Michael Katz is a Senior Financial Advisor at Merrill Lynch Wealth Management in Pittsford, NY. He leads the Katz Team, which has over 30 years of combined experience, specializing in financial strategies and investment management for high-net-worth individuals and families. The team serves a diverse client base, including professional athletes, entertainers, small business owners, doctors, engineers, entrepreneurs, and attorneys, with clients located in Rochester, NY, and 30 states across the country. With more than 10 years of experience in financial services, customer service, leadership, and small business coaching, Michael brings a comprehensive approach to wealth management. He previously worked as a mortgage loan originator specializing in residential refinances and held a dual role as an advisor within a Bank of America Financial Center. Michael helps clients connect all aspects of their financial lives to strategies designed to improve or simplify their situations, ensuring they take full advantage of Merrill's wealth management and investment tools. Michael holds a Bachelor's Degree from Arizona State University and holds the designations of Personal Investment Advisor (PIA) and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). His personal interests include camping, fishing, football, golfing, ice hockey, music, and traveling.

Barbara Fraser is a CFP® professional with 27 years of experience in the financial industry. She has been with UBS Financial Services Inc. since 2009. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management. The firm employs proprietary research and model-based asset allocations to tailor financial plans according to clients' goals and risk tolerances.

Matthew Miller is a financial advisor at J.P. Morgan Securities with a Series 66 designation and three years of industry experience. His prior work includes roles at Primerica Advisors, Guardian Life Insurance Company, and Alliance Advisory Group. Outside of his advisory role, he provides basic home care services for his grandmother through an assisted living position. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with broker-dealer, investment adviser, and commodity futures registrations, delivering recommendations on a non-discretionary basis.

Robert Mojsej is a financial advisor with LPL Financial in Rochester, NY, holding a Series 63 designation and bringing 24 years of industry experience. His career includes roles at INVEST Financial Corporation and ongoing partnerships with Salmin, Celona, Wehrle & Flaherty, LLP and Cochran, Cochran & Yale. Outside of advisory work, he is a partner at Welker Mojsej & Delvecchio CPAs, a tax preparation and accounting firm. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services utilizing various investment strategies and technology tools, supporting over 22,800 advisors and managing more than $819 billion in discretionary assets.

Jacqueline Centauro is a financial advisor with J.P. Morgan Securities, holding Series 65 and Series 63 licenses and bringing 15 years of industry experience. She has been with J.P. Morgan Securities since 2011 and also holds partial ownership stakes in several property LLCs in the Rochester, NY area, though she has no management responsibilities in those entities. 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.

Holly Hare is a financial advisor with Merrill, holding a Series 66 designation and eight years of industry experience. She has worked at Merrill since 2017 and Bank of America, N.A. since 2018, following five years at Staples Inc. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Daniel La Crosse is a financial advisor with LPL Financial, holding a Series 66 designation and two years of industry experience. Before joining LPL Financial in 2024, he worked at Howe & Rusling Wealth Management and LVW Advisors LLC. Outside of his advisory role, he serves as a lacrosse referee with the Genesse Valley Lacrosse Officials Association. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions through a large network of investment adviser representatives. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting a broad range of investment strategies and operational tools.

Christian Sparacino is a financial advisor with Osaic Wealth, Inc. in Rochester, NY, holding a Series 66 designation and 12 years of industry experience. His prior roles include positions at Securities America Advisors and INVEST Financial Corp. Outside of advisory work, he is a partner in an LLC that holds raw land for recreational use jointly with family members. Osaic Wealth, Inc. serves a diverse client base that includes individual, high-net-worth, pension, corporate, and charitable investors, offering integrated brokerage and advisory services through a large network of affiliated advisers. The firm employs asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to manage portfolios across multiple asset classes and investment vehicles.

Arshia Zarei is a financial advisor with J.P. Morgan Securities in Pittsford, NY, holding Series 63 and Series 66 licenses and eight years of industry experience. His career includes roles at TD Ameritrade, AXA Advisors, and Key Bank prior to joining J.P. Morgan Securities and JPMorgan Chase Bank in 2020. J.P. Morgan Securities primarily serves institutional clients and retirement plan sponsors, providing investment consulting and advisory services through a process that integrates quantitative asset-allocation modeling and centralized due diligence. The firm incorporates an ESG eligibility framework and offers access to a broad range of investment products, including security-based swaps and futures, through its affiliation with the broader J.P. Morgan organization.

Ann Marie Depoian is a financial advisor with Primerica Advisors in Rochester, NY, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. She has worked at PFS Investments Inc. since 2003 and Primerica Financial Services since 2001. In addition to her advisory role, she is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure, delegating trading to BNY Mellon Advisors and custody to Pershing and Primerica Brokerage Services.

Trevor Smith is a financial advisor at OSAIC with three years of industry experience. He holds Series 65 and Series 63 credentials. Prior to joining OSAIC, he worked at Cambridge Investment Research and RFG Advisory, LLC. Outside of advisory work, he is the owner of TD Smith Tax LLC, a tax preparation service. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage and investment advisory services. The firm uses various asset-allocation tools and supports multiple advisory platforms, including access to third-party money managers and unified managed accounts.

Kelvin Martinez Montes is a financial advisor with LPL Financial in Rochester, NY, holding Series 66 and Series 63 licenses and three years of industry experience. Prior to joining LPL Financial and ESL Investment Services, he has held positions across various sectors including retail and healthcare. Additionally, he is involved with Branca Midtown in a non-investment outside employment role. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of investment solutions including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Eric Cook is a financial advisor at RBC Capital Markets with 13 years of industry experience. He holds a Series 66 designation and has worked at RBC Capital Markets since 2013 and City National Bank since 2016. Outside of his advisory role, Mr. Cook serves on the boards of Saint's Place, a charity for refugee families, and Writer's & Books, a literary center. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a variety of advisory programs with tailored investment strategies implemented through both in-house and third-party managers, supported by RBC’s capital-markets resources and affiliated asset managers.

Michael Tornatore II is a financial advisor at Equitable Advisors with seven years of industry experience. He holds the Series 66 designation and has worked at Equitable Advisors since 2018, following prior roles at Axa Advisors, LLC and Paychex Inc. He serves as a board member of the Greece Regional Chamber of Commerce and is active in several local business organizations. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, institutional clients, and corporations. The firm utilizes a variety of advisory programs and third-party managers to tailor investment solutions across mutual funds, ETFs, separately managed accounts, and select alternative investments.

Joshua Tomko is a CFP® professional with 11 years of experience in the financial services industry. He has been with UBS Financial Services since 2014. Based in Rochester, NY, he holds the Series 66 license. UBS Financial Services Inc. provides brokerage and investment advisory solutions to individual, corporate, and institutional clients. The firm combines institutional trading capabilities with wealth management services, offering a range of products including fee-based financial planning, portfolio management, and access to proprietary research.

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.