Douglas Parker III is a financial advisor with Sage, Rutty & Co., Inc. in Rochester, NY, holding Series 63 and Series 65 licenses and having 38 years of industry experience. He has been with Sage, Rutty & Co., Inc. since 1996. Parker serves on the Board of Trustees for Hope Hall School and is a fundraising board member for the MCC Foundation. Sage, Rutty & Co., Inc. serves individual and institutional clients, including pension and profit-sharing plans, through advisory, financial planning, and wrap-fee platforms. The firm manages approximately $3.9 billion in assets across a range of program structures and custodial relationships, offering both discretionary and non-discretionary portfolio management and comprehensive financial planning.

Neil Frood III is a financial advisor at Sage, Rutty & Co., Inc. with 23 years of industry experience. He holds Series 65 and Series 66 designations and has been with Sage Rutty since 2001. Outside of his advisory role, he operates a sole proprietorship as an attorney. Sage Rutty & Co., Inc. serves individual and institutional clients, including pension and profit-sharing plans, offering advisory, financial planning, and wrap-fee platforms. The firm manages approximately $3.9 billion in assets across 8,685 accounts with 45 advisors and utilizes a range of investment approaches including fundamental, technical, and cyclical analysis.

Frederick Minges is a financial advisor at ESL Newco I, LLC with 10 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Alesco Advisors LLC for 16 years before joining his current firm. ESL NewCo I, LLC, operating as Alesco Advisors, provides investment management, financial planning, and consulting services primarily to institutions and high-net-worth individuals. The firm employs fundamental analysis and quantitative modeling, commonly recommending index-based mutual funds and ETFs, and serves approximately 468 clients with about $4.81 billion in regulatory assets under management.

Joel Forsyth is a financial advisor at Modern Wealth Management, LLC with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Mutual of America Securities LLC, Mutual of America Life Insurance Company, and Bank of America. Modern Wealth Management, LLC is a multi-team SEC-registered investment adviser that manages approximately $10.9 billion in assets through about 94 advisors. The firm provides discretionary and non-discretionary investment management, financial planning, and modular services to individuals, high-net-worth clients, trusts, estates, and employer-sponsored retirement plans, supported by a centralized Investment Committee and a combination of model portfolios and third-party managers.

Andrew Kalinowski is a financial advisor with Lifemark Securities Corp. in Rochester, NY, holding a Series 63 designation and over 53 years of industry experience. He has been with Lifemark since 1985 and also works as an independent insurance agent specializing in life, long-term care, and disability insurance. Additionally, he serves as a board director of DMG, an insurance marketing organization. Lifemark Securities Corp. provides fee-based investment advisory and financial planning services primarily to individual investors and retirement plan sponsors, offering various managed account programs tailored through risk assessments and managed on discretionary or non-discretionary bases.

Hope Duncan is a financial advisor at Sage, Rutty & Co., Inc. with a Series 66 designation and no prior industry experience. Before joining Sage Rutty, she worked in various roles including at Michigan State University and St. Ann's Community at Cherry Ridge. Sage Rutty & Co., Inc. serves individual and institutional clients through advisory, financial planning, and wrap-fee platforms, managing approximately $3.9 billion in regulatory assets across 8,685 accounts. The firm offers multiple program structures and custodial relationships, providing both comprehensive planning and portfolio management with a mix of discretionary and non-discretionary services.

Curt Ehrlich is a financial advisor with Sage, Rutty & Co., Inc. in Rochester, NY, holding Series 65 and Series 66 licenses and bringing 23 years of industry experience. He has been with Sage, Rutty & Co. since 2005. Sage, Rutty & Co., Inc. serves individual and institutional clients, including pension and profit-sharing plans, offering advisory, financial planning, and wrap-fee platforms. The firm manages approximately $3.9 billion in assets across more than 8,600 accounts and employs various analysis methods and program structures to deliver both comprehensive planning and portfolio management services.

Stephen Howles is a CFP® professional with 12 years of industry experience. He is currently an executive financial advisor at Modern Wealth Management, LLC and previously worked at LPL Financial and Beltz, Ianni & Associates. Outside of his advisory role, he is a partner in BIA Consulting, LLC, a business entity unrelated to investment activities. Modern Wealth Management, LLC is a multi-team SEC-registered investment adviser managing approximately $10.9 billion in assets. The firm serves individuals, high-net-worth clients, trusts, estates, and employer-sponsored retirement plans through discretionary and non-discretionary investment management, financial planning, and modular services.

Matthew Magee is a financial advisor at Sage, Rutty & Co., Inc. with three years of industry experience. He holds a Series 66 designation and has previously worked at Wiley Edge, Morgan Stanley Distribution, Inc., and J.P. Morgan Chase & Co. Sage, Rutty & Co., Inc. serves individual and institutional clients, including pension and profit-sharing plans, offering advisory, financial planning, and wrap-fee platforms. The firm manages approximately $3.9 billion in regulatory assets across 8,685 accounts and provides both comprehensive planning and portfolio management through multiple program structures and custodial relationships.

Robert Mezzio is a financial advisor with Capital Analysts in Rochester, NY, holding a Series 63 license and 25 years of industry experience. His prior roles include positions at Lincoln Investment, Legend Advisory Corporation, and Legend Equities Corporation. Outside of his advisory work, he is involved in assisting Medicare-eligible individuals with selecting Medicare Advantage plans through independent contracting and ownership of RJM Wealth Management Inc. Capital Analysts serves a diverse client base including individuals, high-net-worth investors, trusts, and corporate clients, offering both discretionary and non-discretionary portfolio management. The firm utilizes an in-house investment team and proprietary screening processes, working closely with Lincoln Investment and Pershing/BNY to provide a range of advisory services.

Jeffrey Jones is a financial advisor at Sage, Rutty & Co., Inc. in Rochester, NY, holding a Series 66 designation with four years of industry experience. Prior to joining Sage Rutty, he worked for Hillyard Inc. for 11 years. Sage, Rutty & Co., Inc. serves individual and institutional clients, including pension and profit-sharing plans, through advisory, financial planning, and wrap-fee platforms. The firm manages approximately $3.9 billion in assets across various program structures, offering both comprehensive planning and portfolio management services.

Zachary Lessard is a financial advisor with Sage, Rutty & Co., Inc. He holds the Series 66 designation and has one year of industry experience. Prior to joining Sage Rutty, he worked at Manning & Napier and held roles in education and valuation consulting. Sage, Rutty & Co., Inc. serves individual and institutional clients through advisory, financial planning, and wrap-fee platforms. The firm manages approximately $3.9 billion in assets across 8,685 accounts and offers a range of program structures and custodial relationships, combining comprehensive planning with portfolio management services.

Corinne Dennis is a financial advisor with Sage, Rutty & Co., Inc. in Rochester, NY, holding Series 63 and 66 licenses and bringing 11 years of industry experience. She previously worked at Manning & Napier Advisors, LLC and has been with Sage, Rutty & Co., Inc. since 2020. Outside of her advisory role, she is co-owner and officer of Dennis Marine, LLC, a seasonal dock and hoist installation business on the Finger Lakes. Sage, Rutty & Co., Inc. serves both individual and institutional clients, including pension and profit-sharing plans, with a range of advisory, financial planning, and wrap-fee programs. The firm manages approximately $3.9 billion in assets across over 8,600 accounts and employs a multi-advisor approach featuring both discretionary and non-discretionary portfolio management.

Brennan Redmond is a financial advisor at Sage, Rutty & Co., Inc. in Rochester, NY, holding the CFP®, CFA®, and Series 66 credentials with 19 years of industry experience. He previously worked at Brighton Securities Corporation for 10 years before joining Sage, Rutty & Co., Inc. in 2017. Sage, Rutty & Co., Inc. serves individual and institutional clients, including pension and profit-sharing plans, offering advisory, financial planning, and wrap-fee platforms. The firm manages approximately $3.9 billion in regulatory assets across 8,685 accounts and employs a variety of program structures and analytical approaches while supporting qualified retirement plan work.

Nicholas Norvell is a CFP® with five years of industry experience, currently serving as an advisor at Courier Capital, LLC in Rochester, NY. He has been associated with HNP Capital LLC since 2009. Courier Capital, LLC provides investment advisory services to individuals, banking institutions, charitable endowments, and pension plans. The firm uses an asset-allocation approach with Investment Committee oversight and offers discretionary management, financial planning, and access to alternative investments.

Lisa Capizzi is a financial advisor with The AmeriFlex Group, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. Her prior roles include work at Cambridge Investment Research, Commonwealth Financial Network, and Securities America, among others. Outside of financial advising, she owns and operates businesses in tax services and accounting/bookkeeping, including Nacca & Capizzi, LLP. The AmeriFlex Group is an SEC-registered adviser serving individuals, corporations, and retirement plans through a network of advisory affiliates and investment representatives. The firm offers tailored portfolio management, financial planning, and retirement plan consulting, delivering strategies through model asset allocations and discretionary or non-discretionary manager relationships.

Vincent Dallo is a ChFC® credentialed financial advisor with 20 years of industry experience. He is currently with Belpointe Asset Management LLC and has held roles at firms including NYLife Securities, Eagle Strategies, and Bright Futures Wealth Management. Outside of his advisory work, he serves as a trustee for the Chili Public Library. Belpointe Asset Management is a multi-team registered investment adviser with over 160 advisors managing more than $7.5 billion for individuals, corporations, trusts, and other advisers. The firm offers discretionary investment management, financial planning, and retirement-plan consulting, utilizing customized portfolios and a range of advisory relationships.

Dawn Gilchrist is a financial advisor at Sage, Rutty & Co., Inc. in Rochester, NY, holding a Series 66 designation with 18 years of industry experience. She has been with Sage Rutty since 2008. Sage Rutty & Co., Inc. serves individual and institutional clients, including pension and profit-sharing plans, offering advisory, financial planning, and wrap-fee platforms. The firm manages about $3.9 billion in regulatory assets across over 8,600 accounts and provides both comprehensive planning and portfolio management through multiple program structures and custodial relationships.

Robert Defreze Jr. is a financial advisor with Kingswood Wealth Advisors, LLC, holding Series 63 and Series 65 designations and bringing 44 years of industry experience. His career includes roles at Cadaret, Grant & Co., Inc. and ownership of DeFreze Financial Services since 2005. Kingswood Wealth Advisors serves a broad range of retail and institutional clients, offering portfolio management, financial planning, ERISA plan advisory, and consulting services through an open-architecture platform that integrates third-party managers and affiliated financial entities.

Martin Lazzaro is a financial advisor with Capital Analysts in Rochester, NY, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. His prior experience includes roles at Lincoln Investment, Legend Advisory Corporation, and Legend Equities Corporation. In addition to his advisory work, he is involved in educating and enrolling clients in Medicare plans through NY Medicare Specialists. Capital Analysts serves a diverse client base including individuals, high-net-worth investors, retirement plans, trusts, foundations, charitable organizations, and corporate clients. The firm uses an in-house investment management team to oversee model portfolios and offers a range of discretionary and non-discretionary portfolio management solutions, with access to third-party managers and specialized retirement plan advisory services.