Matthew Schlicht is a financial advisor with Morgan Stanley in Rochester, NY, holding Series 63 and Series 65 licenses with 16 years of industry experience. Prior to joining Morgan Stanley in 2022, he worked at Merrill for ten years. Morgan Stanley Wealth Management provides advisory and brokerage services to individual and institutional clients, offering tailored financial planning that incorporates firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and delivers a broad range of investment and planning programs.

Edward Laders is a financial advisor at Cetera with 44 years of industry experience. He holds the ChFC® designation and Series 63 and 65 licenses. Prior to joining Cetera in 2025, he worked at Concourse Financial Group Securities Inc for 15 years and has been involved with The Independent Advisor Network LLC since 2010, where he serves as President and Owner. He also acts as Executive Director of Association Benefit Services, providing support and services related to fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients through a large network of over 10,000 independent advisors. The firm offers a multi-manager platform with a range of portfolio management options, including discretionary and non-discretionary services, leveraging affiliated and third-party managers.

Ann Morris is a financial advisor at Merrill with 40 years of industry experience. She holds the Series 63 and Series 66 licenses and has been with Merrill since 1992. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Kathryn Castro is a CFP® and Series 66-registered financial advisor with Ameriprise, based in Fairport, NY, and has 17 years of industry experience. She has been with Ameriprise and its affiliated entities since 2008. Castro serves on the board of the Collaborative Law Association of the Rochester Area. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficient strategies to deliver personalized recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through its institutional platform.

Jeffrey Garcia is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in executive compensation, managing new wealth, personal retirement planning, and retirement income. Jeffrey focuses on creating personalized wealth management strategies tailored to clients' individual financial goals. With a lifelong commitment to the financial services industry, Jeffrey holds the professional designations of Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He completed his high school education at Fairport High School and attended Tulane University, though no degree was conferred. Jeffrey also participates in community volunteer work aligned with Merrill’s tradition of service. Outside of his professional role, Jeffrey enjoys spending time with his family, reading, watching movies, and pursuing interests such as baseball, basketball, football, ice hockey, chess, music, and travel. He lives in the home where he was raised in Fairport, NY, and is a longtime Buffalo Bills fan. Jeffrey is also an animal lover and cares for two Dalmatians.

Jennifer Balazs is a financial advisor with Wells Fargo Advisors in Rochester, NY, holding Series 63 and Series 65 registrations and 27 years of industry experience. She has worked with various Wells Fargo entities since 2009. Outside of her advisory role, she is an independent consultant for Norwex products. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, serving individuals, trusts, and institutional clients. The firm offers a broad range of investment and financial planning services, including specialized planning areas, using proprietary research and tools.

Anthony Nelson is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and four years of industry experience. His career includes previous roles at CUNA Brokerage Services, CUNA Mutual Group, Five Star Bank, and Foreperformance. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Rita Labeta is a financial advisor with Ameriprise in Rochester, NY, holding a Series 66 designation and 11 years of industry experience. Her prior roles include positions at LPL Financial, Kinecta Federal Credit Union, Citizens Securities, Citizens Bank, and Bank of America. Outside of finance, she operated a photography business for ten years. Ameriprise offers retirement-income planning services tailored to individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to create personalized Recommendation Reports. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Mark Palazzolo is a financial advisor with Ameriprise in Rochester, NY, holding a Series 63 designation and 39 years of industry experience. He has been with Ameriprise and its affiliated entities since 2009. Outside of advisory services, he manages office real estate through a business he owns. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written retirement income plans and ongoing advice focused on income reliability and tax-aware withdrawal strategies. The firm’s approach integrates proprietary investment research and third-party analytics within a defined product ecosystem.

Robert Gringeri Jr. is a CFP® and holds a Series 66 designation. He has 15 years of industry experience and has been with Wells Fargo Clearing since 2016, following a five-year tenure at Wells Fargo Advisors LLC. He is also involved in educational activities. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Dale Anderson is a financial advisor at OSAIC with 40 years of industry experience. He holds the Series 63 and Series 65 credentials and has worked at Securities America Advisors, Inc. and Anderson-Van Horne Associates Inc., where he serves as president overseeing insurance sales and service. Anderson is also vice president of Evolution Financial Advisors, Inc. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and corporate clients through an extensive network of affiliated advisers. The firm provides integrated brokerage and advisory services, employing asset-allocation tools and third-party platforms to construct diversified portfolios managed on discretionary or non-discretionary bases.

Ryan Prine is a financial advisor at Fidelity with one year of industry experience. He holds the Series 66 designation and has previous work experience at Roberts Wesleyan and the Ontario Golf Club. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and advisory services.

Jeffrey Chapman is a financial advisor with Cetera, holding Series 63 and Series 65 designations and over thirty-two years of industry experience. He has been with Cetera and related entities since 2016 and also serves as Vice President of Penfield Financial Group LLC. Additionally, he is a board member of Shepherd Home, a hospice facility, and is involved in fixed insurance sales and residential real estate transactions. Cetera Investment Advisers LLC operates as a multi-manager platform serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services supported by proprietary and third-party investment solutions.

Sean Hucko is a financial advisor at Cambridge Investment Research Advisors with Series 63 and Series 65 credentials and three years of industry experience. Prior to his current role, he worked at Stokes, Visca, Hucko & Barone, CPAs, LLC, and operated his own CPA firm. Outside of advising, he has ownership interests in accounting and business services entities. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension and profit-sharing plans, charitable organizations, and trusts, providing financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent professionals. The firm offers multiple investment platforms and proprietary models while maintaining documented advisor business relationships with professionals providing legal and accounting services.

Nancy Eagle is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. She has four years of industry experience, including roles at EQUITABLE ADVISORS llc and MassMutual Life Insurance Company. Prior to her financial advisory career, she spent 14 years in the automotive industry with Cox Automotive, AutoTrader, and KBB. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides ongoing financial planning to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers asset management, wrap and money-manager programs, and educational seminars.

John Summers is a financial advisor with LPL Financial in Victor, NY, holding a Series 63 license and bringing 39 years of industry experience. He has been associated with LPL Financial since 2018 and previously worked at Cetera Advisors LLC for two years. Summers has operated Summers Financial Services since 1987. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting over 22,800 advisors and managing over $819 billion in discretionary assets.

Suzanne Xander is a financial advisor at Wells Fargo Clearing with 22 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Wells Fargo Clearing since 2016, following four years at Wells Fargo Advisors LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers a range of investment advisory services, financial planning, and retirement plan consulting, utilizing research and analytics from Wells Fargo Investment Institute and third-party sources.

John Woodworth is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 66 licenses and has two years of industry experience. His prior work includes roles at JPMorgan Chase Bank and Commonwealth Financial Network. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm provides non-discretionary planning using analytical tools and supports municipal and public-finance work through a municipal advisor affiliation.

Pamela Baker is a financial advisor with MassMutual Investors Services in Rochester, NY, holding a Series 63 designation and 13 years of industry experience. She has worked at MassMutual and MML Investors Services since 2020, and prior to that, she was with Penn Mutual Life Insurance Company and Hornor, Townsend & Kent, Inc from 2014 to 2020. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management programs, and educational seminars, with planning engagements structured as annual relationships that use firm-approved tools to analyze client goals and deliver written recommendations.

Todd Harris is a financial advisor with Raymond James Financial Services Advisors, Inc. in Rochester, NY, holding Series 65 and Series 66 credentials and with 20 years of industry experience. He has previously worked with firms including American Portfolios Financial Services and Commonwealth Financial Network. Harris is a partial owner of ADF Wealth Management LLC and owner of Harris Wealth Management. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional investors. The firm emphasizes tailored, non-discretionary planning and utilizes advanced analytical tools to support client goals, while also maintaining specialized municipal advisory capabilities and recently expanding its SIMPLE IRA Employer Advisory services.