Joseph Tobin is a CFP® professional with 27 years of industry experience, currently serving with Wells Fargo Clearing since 2016. Prior to that, he worked at Wells Fargo Advisors LLC from 2009 to 2016. He is involved in community activities as an investment committee member for Rochester Rotary and serves on the finance committee of the Mary Cariola Children’s Center. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm follows an IPS-driven advisory process grounded in modern portfolio theory and acts as an ERISA fiduciary when providing investment advice.

Matthew Piaseczny is a financial advisor with OSAIC, holding the ChFC® designation and Series 63 license, with 15 years of industry experience. His prior roles include positions at Northwestern Mutual and Securities America Advisors. He is a managing member of Dash Tax, LLC, a tax preparation firm he co-owns with two partners, and a partner at Dash Capital Advisors, a financial planning and investment services DBA. OSAIC serves a diverse client base, including individual and high-net-worth investors, corporations, and charitable organizations, offering integrated brokerage, advisory, and retirement plan consulting services through a wide network of affiliated advisors and multiple platforms. The firm employs firm-provided tools such as asset allocation models and automated rebalancing to design portfolios that may include a variety of asset types managed discretionary or non-discretionary.

Angelo Ponticello is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been in the financial services industry since 1993 and joined Merrill Lynch in 2000. Angelo leads Ponticello & Associates, a Goals-Based Wealth Management team providing personalized investment structure and customized wealth planning to a select group of clients including business owners, professionals, families, and institutional clients. He holds a bachelor's degree in History and an MBA from the University of Rochester. Angelo also holds several professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His expertise includes divorce transition planning, family wealth management strategies, legacy planning, personal retirement planning, special needs planning strategies, tax minimization, and retirement income. Angelo lives in Rochester, New York with his wife, Lisa, and their two children. He is actively involved in the community, serving on the Board of Directors at AutismUp, a charity focused on the needs of children and families affected by autism. When not working, he enjoys playing tennis and soccer and spending time with his family.

Michael Johnson is a Chartered Financial Consultant (ChFC®) with 38 years of industry experience. He has worked at Lincoln Financial Advisors Corporation for 27 years before joining LPL Financial in 2025. Johnson is based in Rochester, NY. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers financial planning and a variety of advisory programs, employing both discretionary and non-discretionary management strategies supported by LPL Research and third-party subadvisors.

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 with Merrill in Pittsford, NY, holding Series 63 and Series 66 licenses and bringing 40 years of industry experience. She has been with Merrill since 1992. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, 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 credentials and three years of industry experience. His prior work includes roles at CUNA Brokerage Services, CUNA Mutual Group, Five Star Bank, and Foreperformance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides financial planning, advisory programs, retirement plan consulting, brokerage services, and both discretionary and non-discretionary management supported by research and third-party subadvisors.

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.

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 licenses and bringing 32 years of industry experience. He has worked with Cetera Advisors LLC and Investors Capital Corporation prior to his current role and serves as vice president of Penfield Financial Group LLC. Chapman is a board member of Shepherd Home, a hospice care organization. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large national network of independent advisors, serving a broad client base including individuals, retirement plans, and institutional accounts. The firm offers a variety of portfolio management and financial planning services with a multi-manager platform that allows advisors to implement diverse investment strategies.

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.

Christopher Harmon is a financial advisor at Equitable Advisors with a Series 66 designation and one year of industry experience. Prior to joining Equitable Advisors, he held various roles across healthcare, hospitality, and service industries, including positions at Brooks Memorial Hospital and Entertainment Partners Services LLC. Equitable Advisors serves individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients by providing financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as a dual-registered SEC investment adviser and broker-dealer, working extensively through program sponsors and endorsed manager platforms to deliver advisory and brokerage solutions.

Nancy Eagle is a financial advisor with Mass Mutual Investors Services in Rochester, NY. She holds the Series 66 designation and has three years of industry experience. Prior to joining Mass Mutual, she worked at Equitable Advisors and has a background in the automotive industry with roles at BacklotCars and Cox Automotive. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, wrap and money-manager programs, and educational seminars.

John Summers is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 38 years of industry experience. He has been with LPL Financial since 2018 and previously worked at Cetera Advisors LLC and Investors Capital Corporation. Summers has operated Summers Financial Services since 1987, maintaining a long-standing independent advisory practice. LPL Financial serves a broad client base including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

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.