Michael Deer is a financial advisor with MassMutual Investors Services and holds a Series 63 designation. He has 26 years of industry experience, including prior roles at Metlife Securities and Massachusetts Mutual Life Insurance Company. Outside of his advisory work, he is involved with Deer & Yunker Financial Partners, assisting clients with life settlements and insurance brokerage. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual planning relationships and provides specialized services such as divorce and estate-settlement planning.

Mark Higgins is a CFP® professional with 16 years of experience, currently affiliated with OSAIC and Revere Financial Planning, Inc. in Fairport, NY. His work history includes long-term service at both firms since 2010. Outside of his advisory roles, Higgins is involved in nonprofit activities supporting autism awareness and treatment, including serving as a board member of AutismUp and co-owning the Autism Open golf fundraiser. OSAIC Wealth, Inc. serves a wide range of retail and institutional clients through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services, employing asset-allocation tools and third-party platforms to construct diversified portfolios tailored to client risk tolerance and investment preferences.

Jeffrey Santillo is a CFP® with five years of industry experience, currently affiliated with Raymond James Financial. His prior roles include positions at Commonwealth Financial Network, Guardian Life Insurance, Park Avenue Securities, and involvement with the Middle Atlantic PGA and several country clubs. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, institutions, and nonprofit organizations. The firm offers tailored, non-discretionary advice supported by analytical modeling and maintains specialized municipal and retirement plan advisory programs.

Jennifer Bustamante is a financial advisor with Merrill in Pittsford, NY, holding a Series 66 license and 17 years of industry experience. She has been with Merrill Lynch since 2007. Outside of her advisory role, she serves as a general partner and managing member of several nutrition-related LLCs involved in selling Herbalife products and is a board member of GiGi's Playhouse – Rochester, a charitable organization providing educational and therapeutic programs for individuals with Down syndrome. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary strategies to a wide range of clients including individuals, high-net-worth clients, and institutions.

Justin Wolf is a financial advisor with LPL Enterprise in Rochester, NY. He holds a Series 66 designation and has three years of industry experience, including prior roles at Equitable Advisors and involvement with Elderly Care Guidance LLC. Outside of his advisory work, he is engaged with MC Management in a non-investment-related capacity. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and other institutions through both advisory and brokerage channels. The firm offers financial planning, access to model wealth portfolios, third-party asset management programs, and a range of brokerage and insurance products via its integrated platform.

Michael Viscosi is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and 35 years of industry experience. He has worked at LPL Financial since 2021 and previously at M&T Securities and Citicorp Financial Services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides financial planning, advisory programs, retirement plan consulting, and brokerage services with a broad range of portfolio management options and research support.

Lisa Ritzel is a financial advisor at Morgan Stanley with 26 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds Series 63 and Series 66 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and modeling techniques.

Shane Dobesh is a financial professional with Cetera, holding Series 63 and Series 65 licenses and three years of industry experience. He has previously worked in real estate and banking, including roles at Rocky Point Real Estate and Manufacturers and Traders Bank. Outside of his advisory role, he is active as a real estate agent for residential properties. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual investors, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large nationwide network of independent advisors, utilizing a multi-manager platform that provides various investment and program options.

Eric Rogers is a financial advisor with MassMutual Investors Services in Rochester, NY, holding a Series 63 designation and 10 years of industry experience. He previously worked at Northwestern Mutual from 2016 to 2018 before joining his current firm in 2018. Outside of his advisory role, Rogers is also an insurance agent with Wayfinder Strategic Planning & Wealth Management LLC, focusing on life, disability, long-term care, fixed annuities, and health insurance. 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, typically recommending investment categories and strategies without discretionary authority.

Bryan Ray is a financial advisor with Fisher Investments, holding Series 63 and Series 66 licenses and bringing 14 years of industry experience. He previously worked at Bank of America and Merrill from 2012 to 2020 before joining Fisher Investments in 2020. Outside of his advisory role, he serves as secretary for the Penfield Little League, where he organizes meetings and communicates with the board of directors. Fisher Investments serves a diverse global client base, including institutional and high-net-worth investors, providing discretionary portfolio management across equity, fixed-income, and blended mandates. The firm employs a centralized investment process combining quantitative and qualitative analysis, along with tax-aware strategies and risk management techniques.

Alicia Malcolm is a Series 66 licensed financial advisor with UBS Financial Services in Rochester, NY, where she has worked since 2012. She has 13 years of industry experience. Malcolm participates in several industry groups including the Retirement Advisor Council and the National Association of Plan Advisors Leadership Committee. She is also involved with Susan G. Komen, serving on a committee that organizes events related to breast cancer awareness. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory services, utilizing proprietary research and model-based asset allocations to tailor investment plans. The firm combines institutional trading capabilities with wealth management services and offers fiduciary financial planning.

Robert Rizzo is a financial advisor at LPL Financial with 24 years of industry experience. He holds the Series 66 designation and has worked previously at Wells Fargo Clearing and Wells Fargo Advisors LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by model portfolios and research.

Kimberly Patterson is a ChFC® and Series 66 credentialed financial advisor with 23 years of industry experience. She is currently with Morgan Stanley in Rochester, NY, having joined in 2025 after 12 years with Bank of America and Merrill. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm provides tailored financial planning through a structured process and offers a wide range of advisory programs and investment services.

Susan Kyle is a financial advisor with Wells Fargo Advisors in Rochester, NY, holding a Series 63 designation and 23 years of industry experience. She has been with Wells Fargo Advisors and its affiliates since 2010. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including cash-flow, retirement, education, and niche areas such as business-owner transition and special-needs planning.

Benjamin Messmer is a financial advisor affiliated with LPL Financial, holding Series 65 and Series 63 credentials and bringing 10 years of industry experience. His background includes roles at M&T Securities, NY Patriot Construction, Millet Masonry and Construction, and Axa Advisors. He is also engaged in a home-based non-investment-related activity outside of his advisory work. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base that includes individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, and brokerage services, utilizing model portfolios, third-party research, and diverse investment strategies.

Jason Nevada is a Senior Financial Advisor at Merrill Lynch Wealth Management. He serves affluent individuals and families by providing a goals-based wealth management process tailored to their unique ambitions and priorities. Jason focuses on helping clients address complex financial concerns related to retirement planning, legacy planning, tax minimization, individual and corporate investment strategies, and small business strategies. Jason began his career with Merrill Lynch in 2010, initially working with the Management Team and operations for over four years before transitioning to a financial advisor role with the HF Team. He holds a Bachelor's Degree from Saint John Fisher College, where he was a member of the baseball team throughout his undergraduate studies. He holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Residing in Rochester, NY, Jason participates in competitive softball and golf, and values spending time with his family. He is also a past member of the Board of Directors at Monroe County Baseball Region, where he contributed to providing a competitive and safe environment for serious baseball players.

Jacqueline Sinclair Parker is a Senior Financial Advisor at Merrill Lynch Wealth Management. She specializes in creating financial strategies for individuals, corporate executives, and business owners by utilizing Personal Wealth Analysis (PWA). Jacqueline offers advice in retirement planning, wealth preservation, asset allocation, income-generating investments, income distribution, and corporate benefit programs including equity compensation and various deferred compensation plans. She also arranges financing through Bank of America, N.A. for residential, investment, and commercial properties. Jacqueline has been with Merrill Lynch Wealth Management since 2006, following a 13-year tenure at Xerox Corporation. She holds a bachelor's degree in Electrical Engineering and an MBA from Rochester Institute of Technology. Her professional credentials include Series 7, 63, and 66 FINRA registrations, Life and Health Insurance Licenses, and a Personal Investment Advisor (PIA) designation. Outside of her professional role, Jacqueline enjoys playing tennis, golfing, biking, and spending time outdoors. She is involved in community organizations such as the Rochester Jamaican Organization, Order of Eastern Star, US Tennis Association, and the Genesee Women's Golf Association.

Courtenay Catalfamo is a financial advisor at OSAIC with nine years of industry experience. She holds a Series 66 designation and previously worked at Lincoln Financial Advisors Corporation for nine years. Outside of her advisory role, she is involved in consulting for Mary Kay Cosmetics. OSAIC serves a wide range of clients including individual investors, institutions, and charitable organizations through a large network of affiliated advisers. The firm provides integrated brokerage and advisory services, using various tools and platforms to construct diversified portfolios tailored to client needs.

Edward Conklin Sr. is a Senior Financial Advisor at Merrill Lynch Wealth Management. He holds the designation of Personal Investment Advisor (PIA). He earned a Bachelor's Degree from Nazareth College.

Patricia Smith is a financial advisor at RBC Capital Markets with 35 years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at Wells Fargo Clearing and WELLS FARGO Advisors. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers multiple advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to clients’ risk profiles and investment preferences.