David Marulli is a Series 66-credentialed financial advisor with Morgan Stanley in Rochester, NY, and has 22 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2009, including over a decade at Morgan Stanley Private Bank, N.A. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning processes supported by firm-approved tools and market simulations.

Edward Denning is a financial advisor at OSAIC with 28 years of industry experience. He holds the Series 63 designation and previously worked for Lincoln Financial Advisors Corp. for 22 years. In addition to his advisory role, he sells and services accident/health insurance, traditional life insurance, and fixed annuities. OSAIC Wealth serves a diverse client base including retail and institutional investors, offering a range of brokerage and advisory services through a multi-advisor platform. The firm’s investment approach emphasizes model-based asset allocation and portfolio optimization supported by various analytical tools and allows for discretionary and advisor-managed strategies.

Dylan Joy is a financial advisor at Ameriprise with Series 66 credentials and five years of industry experience. Prior to joining Ameriprise in 2020, he held positions at Dick's Sporting Goods, National General Insurance, and Canisius College. Outside of his advisory role, Joy contributes as an assistant coach for a local high school lacrosse team. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, known for its specialized Premier Retirement Income service that provides annual retirement-income planning advice through a centralized team collaborating with advisors. The firm’s approach includes detailed recommendation reports focusing on income sources, tax-aware withdrawal strategies, and Social Security options within a defined investment framework.

Sandra Kobel is a financial advisor with LPL Financial, holding the CFP® and ChFC® designations and possessing 40 years of industry experience. Her prior roles include positions at NEXT Financial Group, Wall Street Financial Group, Inc., and 1st Global Advisors Inc. She is also involved in Kobel Consulting, which focuses on non-variable insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves 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, and institutional platforms, supported by proprietary research and a broad network of over 22,800 advisors.

Andrew Comins is a ChFC® credentialed financial advisor with 47 years of industry experience. He currently works at OSAIC and was previously with Lincoln Financial Advisors Corporation for 27 years. He is also licensed to sell term, non-variable life, and long-term care insurance through a local Rochester brokerage. OSAIC serves a diverse client base, including retail and institutional investors, offering both brokerage and advisory services through a multi-advisor platform with a model-based investment process emphasizing asset allocation and portfolio optimization.

Georgiann Collins is a financial advisor with Morgan Stanley in Rochester, NY, holding Series 63, 65, and 66 licenses and 26 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. 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, managing approximately $2.74 trillion in client assets, and employs structured planning tools as part of its approach.

Kevin Roe is a CFP® certificant and holds Series 66 and Series 63 licenses. He has 13 years of industry experience and is currently affiliated with UBS Financial Services, where he has worked since 2015 including his current tenure from 2023 onward. Prior to this, he spent three years at Facet Wealth. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and advisory services, combining institutional trading capabilities with wealth management. The firm uses proprietary research and model-based asset allocations to tailor financial plans to clients’ goals and risk tolerances.

Angelo Costanza II is a financial advisor with LPL Financial, holding Series 66 and Series 63 licenses and 12 years of industry experience. He has previously worked at The Pitti Group Wealth Management, Wells Fargo Advisors, and American Portfolios Financial Services. Costanza also manages business relations for Munn Financial Group, Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a wide range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset management, supported by advanced operational and research tools.

Ryan Joslyn is a Wealth Management Advisor at Merrill Lynch Wealth Management. He focuses on a goals-based wealth management approach, reviewing all aspects of a client's life to implement disciplined wealth management processes. Ryan leads planning efforts around concentrated equity positions, tax-efficient divesting strategies, and securities-based lending. Ryan holds several professional designations, including Accredited Wealth Management Advisor (AWMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned his Bachelor's degree from Saint Bonaventure University, where he studied Finance and Economics. Outside of his professional work, Ryan enjoys fishing, skiing, and traveling. He is also involved with Ducks Unlimited.

Heather Goodbody is a Private Wealth Advisor with Merrill Lynch Wealth Management, based in Rochester, New York. She manages the financial affairs of a group of families and collaborates with individuals to align their wealth with their hopes, goals, and values, focusing on areas such as family wealth management strategies, legacy planning, liquidity management, philanthropic planning, and socially responsible investing. Heather holds professional designations including Certified Exit Planning Advisor (CEPA) and Certified Plan Fiduciary Advisor (CPFA). Heather has been recognized by several organizations for her work, including being named to the Forbes Best-in-State Wealth Advisors list from 2018 through 2025 and to the Forbes Top Women Wealth Advisors Best-in-State list for multiple years. She was also named to Working Mother/SHOOK Research's Top Wealth Adviser Moms list from 2017 to 2021. She holds a Bachelor's Degree from Daemen College and completed an accredited certificate program at New York University. In addition to her professional career, Heather has been actively involved in community organizations. She has served as a board member and trustee for the Golisano Children's Hospital at Strong and the Rochester Museum & Science Center, among others. Heather has also held leadership roles with the Merrill Lynch Women's Exchange and served as chair of the Board of Trustees for Our Lady of Mercy School for Young Women. She lives in Rochester with her husband John and their two sons.

Emilio Monti Jr. is a CFP® professional with five years of industry experience, currently with Cambridge Investment Research Advisors. His prior roles include positions at Mass Mutual Investors Services and Mass Mutual Life Insurance Company. Outside of his advisory work, he is involved in independent insurance agency activities and provides paraplanning support for a separate wealth management firm. Cambridge Investment Research Advisors serves a diverse client base that includes individual, pension, and charitable organizations by offering financial planning, investment management, and retirement-plan advisory services. The firm operates through a large network of financial professionals and provides access to multiple platforms, third-party advisers, and proprietary model strategies.

Michael Santomauro is a financial advisor at Merrill with 10 years of industry experience. He holds a Series 66 designation and has been with Merrill since 2014. The firm, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Annette Principio is a financial advisor at Stifel with a Series 66 designation and three years of industry experience. She previously worked at CBC Companies / Innovis for 28 years. She serves as Membership Chair for New York State Women, Inc., a professional networking group for women in the Finger Lakes region. Stifel serves a diverse client base, including individuals, institutions, and municipalities, offering brokerage and investment advisory services. The firm’s investment guidance is based on proprietary methodologies developed by its Investment Strategy Group, emphasizing client discretion in implementation.

Judith Plain is a financial advisor at OSAIC with 27 years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at FSC Securities Corp and Cadaret, Grant & Co., Inc. Outside of her advisory role, she serves as Treasurer for the First Presbyterian Church of Honeoye Falls and advises Alternatives for Battered Women on financial matters. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm employs a model-based investment approach emphasizing asset allocation and portfolio optimization, offering a range of brokerage and advisory services through a multi-advisor platform.

Peter Zedick is a financial advisor with LPL Financial in East Rochester, NY, holding Series 63 and Series 65 credentials and bringing 15 years of industry experience. His prior experience includes roles at Waddell & Reed, Inc. and various insurance carriers spanning a decade. Outside of his advisory work, he is involved in real estate through Zedick Properties LLC. 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, and institutional platforms, supported by technology tools and a large network of advisors.

Jefferson Webster is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. His career includes roles at MassMutual Life Insurance Company and MetLife Securities. Webster also manages an insurance brokerage specializing in life, health, and group insurance products. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational programs using firm-approved analytical tools to support collaborative client relationships.

Patrick Case is a financial advisor at LPL Enterprise, LLC with nine years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for ten years at Northwestern Mutual in various capacities including wealth management and investment services. LPL Enterprise provides investment advisory and brokerage services to a broad client base, including individuals, high-net-worth investors, retirement plans, banks, and charitable entities. The firm’s investment approach is primarily model-driven, using portfolios developed by internal research and third-party strategists, and it offers access to third-party asset managers, financial planning, and a wrap program.

Sandy Romeo Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 38 years of industry experience. His prior roles include positions at Ameriprise Financial Services, Morgan Stanley, and KeyBanc Capital Markets. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, with a focus on combining scale and broad non-advisory financial activities alongside its advisory services.

Chris Collins is Vice President and Financial Consultant at Fidelity Investments, where he has worked since 2010, progressing through several roles including Investment Representative, Account Executive, and Vice President. Prior to joining Fidelity, he was a Financial Advisor at Waddell & Reed from 2006 to 2008. In his current role, Chris helps investors create comprehensive financial plans tailored to their goals and circumstances. His approach involves thorough analysis, clear communication, and ongoing support to identify opportunities and provide customized recommendations. Outside of his professional work, Chris enjoys baseball, boating, cooking and baking, football, and traveling.

Nicholas Da Bella is a financial advisor at Mass Mutual Investors Services with five years of industry experience. He holds the Series 63 and Series 65 designations and has worked previously at Equitable Advisors and AXA Advisors. Prior to his career in financial services, he was employed at NVR, Inc. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, focusing on collaborative, annual planning engagements that employ firm-approved analytical tools.