Philip Welch is a financial advisor with Wells Fargo Clearing in Pittsford, NY, holding Series 63 and Series 65 licenses and over 40 years of industry experience. He has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Outside of his advisory role, he serves as a trustee of his mother's trust. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Maureen Pilato is a CFP® professional with 21 years of industry experience, currently serving as a financial advisor at J.P. Morgan Securities. Her prior roles include positions at High Probability Advisors, LLC, Leigh Baldwin & CO., LLC, and High Falls Advisors. She serves on the board of the YWCA of Rochester and Monroe County, where she is Treasurer and a member of the investment committee. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering 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 and investment management capabilities, offering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Thomas Janosky is a Senior Financial Advisor with Merrill Lynch Wealth Management, where he has been serving clients since 2015. He employs a goals-based wealth management process, utilizing global resources and web technology to assist clients in pursuing financial lifestyles that align with their personal objectives. His practice specializes in working with successful corporate executives, offering services such as retirement planning, wealth management, financial strategy development, education funding, and portfolio development. Thomas places particular emphasis on retirement income planning, tax minimization, corporate benefits, divorce transition planning, and legacy considerations, often collaborating with clients’ estate planning advisors. Thomas earned a Bachelor of Science degree in Business Administration from Westminster College in 2011 and holds FINRA Series 7 and Series 66 registrations along with the Personal Investment Advisor (PIA) designation. Prior to joining Merrill Lynch, he gained experience as a Customer Service Manager, building strong communication skills that inform his client-focused approach. Thomas is a member of Hope Lutheran Church and contributes to his community as a teacher for the Financial Peace University program. In his personal time, Thomas resides in Henrietta with his wife and engages in activities such as football, golf, and tennis. He is also active at the YMCA and involved with his church community. Prospective clients may contact him via email or phone for customized retirement planning, complex pension analysis, second-opinion consultations, or assistance with 401(k) decisions following employment changes.

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 in Pittsford, NY, holding a Series 66 license and 15 years of industry experience. He previously worked at M&T Securities, American Portfolios Advisors, Equitable Advisors, and Merrill. Outside of finance, he has worked as a bartender for North American Breweries. 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 broad range of advisory and brokerage services, including financial planning, model portfolio programs, and participant-level retirement advice, supported by a large network of advisors and extensive operational tools.

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, holding the Series 66 designation and one year of industry experience. His prior work includes roles at BlueZone Sports and Rochester Cornerstone Group. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and various asset management programs. The firm employs a network of Investment Adviser Representatives and utilizes both firm-offered and third-party advisory programs to tailor services to client needs.

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 12 years of industry experience. He holds the Series 66 designation and has worked with several firms including Avantax Advisory Services and Davie Kaplan Wealth Care Advisors, where he has been involved since 2015. Sauers also serves as a board member of the Rochester Hearing and Speech Center, a nonprofit organization. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and consulting services through a multi-manager platform featuring affiliated and third-party managers across various program structures.

Christopher Pipa is a financial advisor at Morgan Stanley with 26 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and has been with Morgan Stanley Smith Barney since 2009. Prior to that, he was with Citigroup Global Markets starting in 2001. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques to support its financial planning process.

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 at Edward Jones with 11 years of industry experience. He has held positions at Edward Jones since 2016 and previously worked at Guardian Life from 2014 to 2016. He holds Series 63 and Series 66 licenses. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, including high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory programs and investment strategies supported by a nationwide network of financial advisors and branch offices.

Alex Lincoln is a financial advisor at Equitable Advisors with a Series 66 credential and one year of industry experience. Prior to joining Equitable Advisors, his work history includes roles at Park Maple City CDJR, Wegmans, Eastern Gateway Community College, and the United States Postal Service. Equitable Advisors serves a broad range of clients including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset management programs, relying on a network of Investment Adviser Representatives and third-party asset managers to implement tailored investment solutions.

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.

Serafino Iantorno is a financial advisor with LPL Financial in Rochester, NY, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. His career includes multiple roles at ESL Investment Services, LLC and LPL Financial since 2015. Outside of his advisory work, he is a notary public and has been involved in grocery delivery and a family business in the Rochester area. 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 financial planning and asset management solutions, utilizing both proprietary research and third-party strategies, and manages oversight of more than $819 billion in discretionary assets.