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 63 and Series 66 licenses and with three years of industry experience. His prior work includes roles at ESL Investment Services, ESL FCU, and various positions outside the financial sector. Outside of advising, he has outside employment with Branca Midtown. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios and research from multiple sources to support diversified investment strategies.

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 with Equitable Advisors in Rochester, NY, holding a Series 66 designation and seven years of industry experience. He has been with Equitable Advisors since 2018 and previously worked at Axa Advisors, LLC and Paychex Inc. Tornatore serves on the board of the Greece Regional Chamber of Commerce and is an active member of several local business organizations. Equitable Advisors provides financial planning, retirement plan support, and access to asset management for individual investors, plan sponsors, corporations, and charitable organizations. The firm uses a hybrid referral and implementation model, partnering with LPL and multiple third-party asset managers to deliver tailored advisory and brokerage services.

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.

Jacob Boyce is a financial advisor with LPL Financial, holding a Series 66 designation and 15 years of industry experience. He has worked with LPL Financial since 2021 and M&T Securities since 2016. Outside of his advisory work, he has experience working as a bartender at North American Breweries. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a variety of advisory programs, financial planning, and brokerage services, employing both discretionary and non-discretionary management approaches with access to model portfolios and research.

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 at Equitable Advisors with one year of industry experience. He holds a Series 66 designation and has previously worked with BlueZone Sports and Rochester Cornerstone Group. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporations, and charitable organizations, providing financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates through multiple program sponsors and third-party managers, emphasizing a combination of discretionary and non-discretionary asset management solutions.

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 11 years of industry experience. He holds a Series 66 designation and has worked at several firms including Avantax Advisory Services and Davie Kaplan Wealth Care Advisors. Outside of his advisory work, he serves as a volunteer board member for the Rochester Hearing and Speech Center, where he participates in finance and executive committees. Cetera is an SEC-registered adviser serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management and consulting services, supporting over 10,000 advisors and approximately 800,000 clients.

Christopher Pipa is a financial advisor with Morgan Stanley in Rochester, NY, holding Series 63 and Series 65 licenses and 25 years of industry experience. He has worked at Citigroup Global Markets, Morgan Stanley Smith Barney, and Morgan Stanley Private Bank, National Association since 2001. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning that leverages firm-approved tools and planning processes.