Thomas Higgins is a CFP® with 43 years of industry experience and has been with OSAIC since 1993. He is based in Fairport, NY. In addition to his advisory role, Higgins owns and operates an insurance business offering life, disability, group, and long-term care insurance products. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and investment advisory services, utilizing asset-allocation tools and multiple advisory platforms to construct portfolios incorporating a wide range of investment vehicles.

Erin Cody is a financial advisor at Morgan Stanley with one year of industry experience. She holds a Series 66 designation and has worked at several firms including Bank of America, Merrill Lynch, and Equitable Advisors. Outside of finance, she played on the Oswego Men's Ice Hockey Team for three years while attending SUNY Oswego. Morgan Stanley Wealth Management serves individual and institutional clients by offering tailored financial planning and a broad array of advisory programs. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and market modeling in their financial planning process.

Michael Messina is a Series 66 licensed financial advisor with nine years of industry experience. He is currently with UBS Financial Services in Rochester, NY, where he has worked since 2019. His prior experience includes roles at TD Ameritrade and Scottrade. Outside of his financial career, Messina serves as executive director of Lancaster Lacrosse LLC, an organization focused on coaching and growing the game of lacrosse. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides proprietary research and a broad range of capital markets solutions.

Daniel Coccia is a financial advisor with Cetera who holds a Series 63 designation and has 11 years of industry experience. He previously worked for Avantax Insurance Agency, Avantax Advisory Services, and Avantax Investment Services. Outside of his advisory role, he owns an accounting and tax preparation business and serves on the board of the Reh Family Foundation, where he assists with charity selections and tax matters. He also held the position of Immediate Past President at the New York State Society of Enrolled Agents. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, managing assets across various program structures and custodial relationships.

Stephen Fornarola is a financial advisor at RBC Capital Markets with 40 years of industry experience. He has been with RBC Capital Markets Corporation since 2008 and holds the Series 63 and Series 65 designations. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers multiple advisory programs tailored to clients' risk profiles and utilizes a combination of in-house and third-party investment managers to implement portfolio strategies.

Russell Martin is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 17 years of industry experience. His prior roles include positions at Paychex Securities Corporation, CUNA Brokerage Services Inc., and M&T Securities. Outside of advising, he works as a front desk associate at World Gym. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a large network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management approaches along with various model portfolios and research resources.

Karl Heath Jr is a financial advisor with 22 years of industry experience. He is currently with Mass Mutual Investors Services and holds a Series 63 designation. His previous experience includes roles at Massachusetts Mutual Life Insurance Company and Metlife Securities, Inc. MassMutual Investors Services 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, utilizing firm-approved software to analyze client goals and deliver written recommendations.

Jordan Orvek is a financial advisor with Ameriprise in Rochester, NY, holding Series 63 and Series 66 designations and nine years of industry experience. Prior to joining Ameriprise in 2018, he worked at Merrill and Rocky Mountain Granite. Outside of his advisory role, he is involved with LeNovel Photograph, an activity he has maintained since 2017. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides annual retirement-income planning advice focused on dependable income and tax-aware withdrawal strategies.

Michael Palumbos is a ChFC® credentialed financial advisor with 25 years of industry experience. He has worked at Osaic since 2025 and previously spent 24 years at Lincoln Financial Advisors. Palumbos serves as a board member of the Wayne Cooperative Insurance Company and is CEO of Family Wealth and Legacy Coaching, providing fee-based coaching and consulting services to families and business leadership teams. He is also CEO of ClarityBridge Media Group, a marketing and content development company focused on professional service providers. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated financial advisers and offers integrated brokerage, investment advisory services, financial planning, and retirement plan consulting. The firm uses various tools and platforms to construct tailored portfolios and supports multiple legacy programs and third-party managed-account solutions.

Debra Hilleman is a financial advisor at Wells Fargo Advisors with 30 years of industry experience. She has been with Wells Fargo Advisors Financial Network since 2009 and holds a Series 63 designation. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, serving individuals, trusts, and institutional clients through a broad range of investment and financial planning services tailored to clients who meet a net-worth threshold.

Steven Patton is a financial advisor at Ameriprise with 22 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Ameriprise since 2018, following seven years at JPMorgan Investment Management. Outside of his advisory work, Patton serves on the board of the Greater Rochester Amateur Athletic Federation. Ameriprise offers retirement-income planning services targeted to individuals approaching or in retirement, generally with at least $1 million in investable assets. The firm provides advisory, brokerage, and insurance solutions through affiliated entities, with a focus on delivering written, research-driven retirement income recommendations.

Leah Coyle is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity Investments in 2025, she held positions at Kodak Alaris, Butler/Till, and other companies. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including multi-manager and fund-of-funds structures. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary accounts, serving a broad client base with systematic investment approaches.

Roxanne Mcelroy is a financial advisor at Stifel with 25 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Stifel Nicolaus & Co Inc since 2019, following a decade at UBS Financial Services Inc. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm utilizes a proprietary investment methodology developed by its Investment Strategy Group to guide asset allocation and financial planning, providing clients with tailored analyses to support their investment decisions.

Raymond Allen Jr. is a financial advisor at J.P. Morgan Securities with 21 years of industry experience. He holds Series 66 and Series 63 designations and has been with J.P. Morgan Securities since 2012. Outside of finance, he is involved in a family-owned flooring business, Grade A Carpeting, Inc., where he performs general labor tasks. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Joel Di Martino is a financial advisor at Merrill with Series 63 and Series 65 licenses and seven years of industry experience. He previously worked at Wilmington Trust/M&T Bank for 24 years before joining Merrill in 2025. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm integrates into Bank of America’s broader platform, providing access to various financial products and services.

Hannah Byron is a financial advisor with J.P. Morgan Securities in Rochester, NY, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. She has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2012. Outside of her advisory role, she is an owner and partner of Sparkyjoy LLC, a real estate business. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines institutional advisory services with brokerage, distribution, and investment management capabilities.

Jessica Millan is a financial advisor with Edward Jones in Rochester, NY, holding CFP® and Series 66 designations and bringing 15 years of industry experience. She has been with Edward Jones since 2010. Outside of her advisory role, she is involved as a silent partner in a healthcare-related business specializing in ramps, lifts, and scooters, and she manages maintenance and finances for a commercial property through her LLC. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment options, supported by a large network of advisors and branch offices across the country.

Margaret Whelehan is a CFP® professional with 24 years of industry experience, currently advising at Cetera since 2018. She also serves as a relationship manager and divorce planning specialist at Canandaigua National Bank, providing consulting services for divorce analysis using her CDFA certification. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, and institutional accounts, offering a range of portfolio management and financial planning services through a large network of independent advisors.

Jacob Bilyo is a financial advisor at Morgan Stanley in Rochester, NY, holding a Series 66 designation with three years of industry experience. His background includes roles at JAC Insurance Agency LLC and Autumn Woods Community, as well as work with the Diocese of Rochester and Goodwill. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and advisory programs supported by comprehensive tools and investment research.

Breauna Crumpler is a financial advisor at J.P. Morgan Securities with six years of industry experience. She holds the Series 66 designation and has previously worked at Bank of America, Merrill, and JPMorgan Chase Bank. J.P. Morgan Securities LLC provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.