Nathaniel Skinner is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he partners with clients to understand their unique goals and develop customized financial strategies aimed at pursuing long-term success. His approach emphasizes trust, personalized guidance, and ongoing support through every stage of life. Nathaniel's expertise includes general investing, retirement planning, managing new wealth, education planning, socially responsible and values-based investing, and retirement income strategies. He holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Nathaniel earned a High School Diploma from the High School of Health Professions. Outside of his professional work, Nathaniel has interests in baseball, basketball, football, gardening, ice hockey, music, pickleball, reading, spending time with his family, and watching movies.

James Smith is a financial advisor at J.P. Morgan Securities with one year of industry experience. He has previously worked at Fidelity Investments, Emplifi, and JPMorgan Chase Bank. Smith holds Series 63 and Series 65 licenses. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm uses quantitative asset-allocation modeling combined with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

David Marshall is a CFP® professional with 27 years of experience, currently serving as a financial advisor at UBS Financial Services since 2009. He is based in Rochester, NY, and holds Series 63 and Series 65 licenses. Outside of his advisory role, Marshall is actively involved in his community, serving as Treasurer on the Board of Directors for the Montessori School of Rochester and holding positions on the Village of Pittsford Board of Trustees, including deputy mayor and alternative member of the Planning and Zoning Board of Appeals. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm’s advisory approach utilizes proprietary capital market assumptions and research to tailor plans aligned with clients’ goals and risk tolerances.

Stephen Cymbal is a financial advisor with LPL Enterprise, holding Series 66 and Series 63 licenses and five years of industry experience. His prior roles include positions at The Prudential Insurance Company of America, Pruco Securities, LLC, Brighton Securities, and Equitable Advisors. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory services, and access to model portfolios and third-party asset management programs. The firm’s integrated platform combines advisory programs with brokerage and insurance products and features a collateralized lending program.

Michael Colby is a financial advisor at Raymond James & Associates with eight years of industry experience. He holds the Series 66 designation and has been with Raymond James since 2017. Outside of his advisory role, he has operated Cafe Genevieve since 2012. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, retirement plans, corporate and charitable entities, and government clients, with a focus on tailored financial plans and asset allocation supported by extensive research and planning tools.

William Hager is a financial advisor with Equitable Advisors in Williamsville, NY, holding a Series 66 designation and four years of industry experience. His prior work includes roles at the University of Dayton, the Country Club of Rochester, and Pittsford CSD. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model, offering both advisory and brokerage channels to implement client recommendations.

Francis Celona is a CFP® and Series 66-registered financial advisor with 24 years of industry experience. He is currently with Cambridge Investment Research Advisors and has previously worked at Securities America and Allied CPAs, among other firms. Outside of his advisory role, he serves as Treasurer for the Mendon Foundation, Inc. and is involved in a home interiors business as a business manager and accountant. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent financial professionals, using a variety of portfolio management strategies across multiple platforms.

Jeffrey Rocca is a financial advisor with UBS Financial Services in Rochester, NY, holding a Series 66 designation and 21 years of industry experience. He has been with UBS since 2011. Outside of his advisory role, he serves as a trustee for non-familial and irrevocable trusts, overseeing disbursements and tax filings. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services and utilizing proprietary research and model-based asset allocations to tailor client plans.

Thomas Guider is a financial advisor with Cetera, holding a Series 66 credential and beginning his advisory career in 2026. Prior to joining Cetera Investment Advisers, Cetera Wealth Services, and Davie Kaplan Wealth Care Advisors, he worked at Davie Kaplan, CPA, P.C. and has experience in various roles including positions at ESL Federal Credit Union, Burlington Stores, Inc., St. John Fisher University, and local government and education institutions. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, corporate, charitable, and institutional clients nationwide; it offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various investment programs and third-party managers.

Michael Bellapianta is a financial advisor with LPL Financial based in Rochester, NY, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He previously spent 22 years with MassMutual and MML Investors Services. In addition to his advisory role, he serves as a notary. LPL Financial is an SEC-registered adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of financial planning and advisory programs, utilizing model portfolios, research, and various risk management tools.

Stephen Calabrese is a financial advisor at Wells Fargo Advisors with 4 years of industry experience. He holds the Series 66 designation and previously worked at JPMorgan Chase from 2004 to 2021. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that provides a broad range of investment and financial planning services to individuals, trusts, and institutional clients. The firm offers tailored recommendations through planning tools and research, serving clients who meet a net-worth threshold with both general and specialized planning services.

Karl Cedarleaf is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. He has worked at Raymond James since 2019 and previously at Key Investment Services LLC for seven years. Outside of his advisory role, Cedarleaf is involved in community organizations including Ducks Unlimited, the Cub Scouts as a Cub Master, and the American Legion. Raymond James & Associates provides financial planning and investment consulting services to a diverse client base, including individuals, retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and investment recommendations, supporting both non-discretionary and discretionary advisory relationships, and maintains capabilities in public finance and institutional consulting.

Patrick George is a financial advisor with Cetera who holds the PFS™ and Series 66 designations and has 25 years of industry experience. He has worked with firms including Avantax Advisory Services and Avantax Investment Services, and is an affiliated partner at Davie Kaplan, CPA, P.C. He also serves as a trustee for third-party supplemental needs and insurance trusts. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, employer-sponsored retirement plan, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a multi-manager platform with access to discretionary and non-discretionary portfolio management, financial planning, and third-party money managers.

Jeffrey Machiele is a financial advisor with Morgan Stanley in Rochester, NY, holding Series 63 and Series 66 licenses and bringing 35 years of industry experience. He has been with Morgan Stanley since 2015 and also works with Morgan Stanley Private Bank, National Association since 2016. Outside of his advisory role, he serves as a board member for the Rochester Christian School Foundation, a charitable nonprofit organization. Morgan Stanley Wealth Management provides advisory and brokerage services to individuals and institutional clients, offering customized financial planning supported by structured discovery processes and firm-approved tools. The firm manages trillions in client assets and has a diverse range of investment programs and affiliated activities.

Stephen Harper is a financial advisor at Osaic with one year of industry experience. He holds a Series 66 designation and has worked at multiple organizations, including Farm Credit East and Family, Wealth & Legacy, LLC. His background also includes roles in education across several universities and grade schools. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, employing asset-allocation tools and automated rebalancing to construct diversified portfolios, with options for discretionary and non-discretionary management.

Michael Wayman is a financial advisor with Equitable Advisors in Rochester, NY, holding a Series 66 designation and three years of industry experience. Prior to joining Equitable Advisors in 2022, he worked at SUNY Brockport and held various community roles including positions at Perinton Community Center and Fairport High School. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations, providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model and offers a range of advisory and brokerage services tailored to client goals and risk tolerance.

Timothy Acker is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been helping clients since 2015. He specializes in family wealth management strategies, managing new wealth, and personal retirement planning. Timothy focuses on offering a comprehensive approach to managing wealth that begins with understanding the client's financial situation, family, and priorities, followed by creating a customized and flexible wealth management plan suitable to evolving needs and market conditions. He provides clients with access to the investment insights of Merrill and the banking services of Bank of America. Timothy holds a bachelor's degree from Pennsylvania State University and is a CERTIFIED FINANCIAL PLANNER® professional. His professional designations also include Personal Investment Advisor (PIA). Outside of his advisory role, Timothy is involved with professional organizations such as Al Sigl and the Rochester Area Community Foundation. In his free time, he enjoys golfing, hockey, billiards, reading, football, and spending time with his family.

Timothy Brown is a financial advisor with OSAIC based in Rochester, NY, holding a Series 66 designation and three years of industry experience. His prior roles include positions at Securities America, Park Avenue Securities, Guardian Life Insurance Company, and Primerica Financial Services. Outside of advising, he is involved with Allied Financial Services as a wealth management assistant, supporting client servicing and advisor tools. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations, offering integrated brokerage and investment advisory services through a large network of affiliated advisers and multiple advisory platforms. The firm employs asset-allocation tools and third-party solutions to construct tailored portfolios across various asset classes.

Stephen Riley is a financial advisor with LPL Financial in Fairport, NY, holding Series 63 and Series 65 licenses and with 49 years of industry experience. He has been with LPL Financial, including its predecessor Linsco/Private Ledger Corp, since 2004. Outside of his advisory role, he sells fixed life insurance products through Capital Care and is commissioned as a notary. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations. The firm offers a wide range of advisory programs and financial planning services with both discretionary and non-discretionary management options, supported by research and model portfolios.

Wendy Sydeski is a financial advisor with Wells Fargo Clearing in Rochester, NY, holding Series 63 and Series 65 credentials and 32 years of industry experience. She has worked at Wells Fargo Advisors LLC from 2009 to 2016 and has been with Wells Fargo Clearing since 2016. Wells Fargo Clearing provides retirement plan consulting services for qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory solutions. The firm’s investment approach is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.