James Merkley is a financial advisor at UBS Financial Services with 23 years of industry experience. He holds the Series 66 designation and has been with UBS since 2009. Outside of his advisory work, Merkley serves as co-chairperson of corporate chalets and tents at Oak Hill Country Club, is a member of its Board of Governors, and holds trustee and officer roles with local charitable organizations including the Hillside Children’s Foundation and the Rochester Businessmen’s Charitable Organization. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings that include fee-based financial planning, portfolio management, and access to a broad range of financial products. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor strategies to clients’ goals and risk tolerances.

Andrea Hageman is a financial advisor with UBS Financial Services in Rochester, NY, holding a Series 66 designation and 8 years of industry experience. She has been with UBS since 2017 and previously worked with The Arc of Monroe County and Young Entrepreneurs Academy, Inc. Hageman is also a member of the Junior League of Rochester, where she participates in fundraising, volunteering, and event planning. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services tailored to clients’ goals and risk tolerances.

Jacob Boyce is a financial advisor with LPL Financial, holding a Series 66 designation and 15 years of industry experience. He has worked with LPL Financial since 2021 and M&T Securities since 2016. Outside of his advisory work, he has experience working as a bartender at North American Breweries. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a variety of advisory programs, financial planning, and brokerage services, employing both discretionary and non-discretionary management approaches with access to model portfolios and research.

Theodore Cook is a financial advisor at Morgan Stanley with eight years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and Morgan Stanley Private Bank since 2017, following a 17-year tenure at U.S. Trust, Bank of America Private Wealth. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs including tailored financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and offers financial plans directly and through Corporate Financial Planning agreements with employers.

Dale Nower is a CFP® with 22 years of experience, currently serving at Ameriprise since 2006 in Rochester, NY. He manages his Ameriprise business through Cadence Associates, LLC, and works as an instructor at Bryant & Stratton College. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Kristen Storey is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and three years of industry experience. She has worked with MML Investors Services, LLC since 2022 and MassMutual Life Insurance Co since 2020. Prior to her current roles, she was employed at Maximus Federal Services from 2014 to 2022. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, using firm-approved software and collaborative plans tailored to client goals.

Timothy Meisenzahl is a financial advisor at Wells Fargo Clearing with 32 years of industry experience. He holds Series 63 and Series 65 designations and has been with Wells Fargo Clearing since 2016, following a year at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Raymond Bauman is a financial advisor with Equitable Advisors in Rochester, NY. He holds a Series 66 designation and has recently begun his career in the industry. His prior experience includes roles at BlueZone Sports and Rochester Cornerstone Group. Equitable Advisors serves a diverse client base including individual investors, retirement plan sponsors, corporations, and charitable organizations. The firm offers financial planning, retirement-plan support, and access to asset management through third-party programs, operating a hybrid advisory and brokerage model.

Evan Wilcox is a financial advisor at Ameriprise with two years of industry experience. He holds the Series 66 designation and has prior work experience across various industries, including hardscaping and retail. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized retirement income service that provides written recommendation reports and ongoing tax-aware withdrawal advice. The firm’s approach includes asset allocation, adaptive withdrawal strategies, and Social Security planning within a defined investment universe influenced by affiliated product relationships.

Kerri Palermo is a CFP® professional with 10 years of industry experience, currently serving at Charles Schwab in Pittsford, NY. Her prior experience includes roles at Ameriprise Financial Services and Northwestern Mutual Wealth Management. She also serves as a board member for the Monroe Community Hospital Foundation, where she assists with fund allocation and fundraising efforts. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering integrated brokerage, custody, and advisory services with a combination of non-discretionary client relationships and access to discretionary separately managed accounts.

Brian Sauers is a financial advisor at Cetera with 11 years of industry experience. He holds a Series 66 designation and has worked at several firms including Avantax Advisory Services and Davie Kaplan Wealth Care Advisors. Outside of his advisory work, he serves as a volunteer board member for the Rochester Hearing and Speech Center, where he participates in finance and executive committees. Cetera is an SEC-registered adviser serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management and consulting services, supporting over 10,000 advisors and approximately 800,000 clients.

Christopher Pipa is a financial advisor with Morgan Stanley in Rochester, NY, holding Series 63 and Series 65 licenses and 25 years of industry experience. He has worked at Citigroup Global Markets, Morgan Stanley Smith Barney, and Morgan Stanley Private Bank, National Association since 2001. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning that leverages firm-approved tools and planning processes.

Abigail Alvord is a Planning Consultant at Fidelity Investments, where she collaborates with clients and their Financial Consultants to develop personalized financial plans tailored to individual situations and goals. She utilizes the comprehensive resources available through Fidelity to support clients in achieving their financial objectives. She has been with Fidelity Investments since 2023, progressing through roles including Financial Services Representative, Financial Representative, Relationship Manager, and currently Planning Consultant. This experience has provided her with a broad understanding of financial services and client relationship management. Outside of her professional role, Abigail enjoys cooking and baking, spending time with family, engaging in fitness activities, socializing with friends, visiting lakes, and traveling.

Patrick Caufield is a financial advisor with Edward Jones in Penfield, NY. He holds Series 63 and Series 66 designations and has 11 years of industry experience. His prior roles include positions at Primerica Advisors and Guardian Life Insurance Co. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment strategies through a nationwide network of financial advisors and branch offices.

Alex Lincoln is a financial advisor at Equitable Advisors in Rochester, NY. He holds a Series 66 designation and began his advisory career in 2026. Prior to joining Equitable Advisors, his work experience includes roles at Park Maple City CDJR, Wegmans, Eastern Gateway Community College, and the United States Postal Service. Equitable Advisors serves a diverse client base including individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, relying extensively on LPL-sponsored programs and endorsed third-party managers.

Daniel Cusato is a financial advisor with OSAIC who holds Series 63 and Series 66 licenses and has seven years of industry experience. His prior work includes roles at Lincoln Financial Advisors Corporation, ESL Investment Services, LPL Financial, and ESL Federal Credit Union. Outside of investment advisory, he is a licensed notary public and also acts as an insurance agent, offering disability, fixed and indexed annuities, long-term care, and life insurance products. OSAIC serves a diverse client base including retail, high-net-worth, institutional investors, and various organizations through a large network of advisors and multiple platforms. The firm provides integrated brokerage and advisory services, employing asset allocation tools and access to third-party managers to construct portfolios across a broad spectrum of investment types.

John Rizzolo is Vice President and Financial Consultant at Fidelity Investments. In this role, he partners with clients to develop customized financial plans tailored to their individual goals and preferences. His approach emphasizes focusing on what and who matters most to clients, aiming to co-create meaningful financial outcomes. John's professional experience includes positions as Vice President and Financial Consultant at Fidelity Investments since 2019, and prior to that, he served as Regional Associate at Guggenheim Investments from 2015 to 2019. Through his work with a diverse client base, he has developed a deep understanding of clients' needs and provides guidance through various life stages. Outside of his professional responsibilities, John has personal interests in baseball, cooking and baking, football, social events with friends, and golf.

Kyle Preston is a financial advisor with LPL Financial in Fairport, NY, holding CFP® and Series 63 credentials. He has six years of industry experience and has worked at ESL Investment Services, LLC, Mass Mutual, and Genesee Construction. Preston also has roles related to non-variable insurance with ESL Investment Services and MassMutual. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and model portfolios.

Benjamin Wilson is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and three years of industry experience. His prior roles include positions at Jurs Montgomery Brokerage LLC and RC Imaging. Outside of his advisory work, he is a commissioned notary public in Rochester, NY. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s advisory process is IPS-driven and incorporates a wide range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Bruce Sunderville is a financial advisor at Mass Mutual Investors Services with 33 years of industry experience. He holds the Series 63 designation and has worked at Mass Mutual Investors Services since 2017, following a 13-year tenure at Metlife Securities Inc. In addition to his advisory work, Sunderville operates as an independent insurance agent with Kafl Inc., focusing on fixed annuities and various insurance products. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, utilizing firm-approved software and collaborative planning processes.