Dustin Baker is a CFP® and ChFC® with 11 years of experience in the financial services industry. He is currently an advisor at Sage, Rutty & Co., Inc., having joined the firm in 2026. His prior experience includes roles at Canandaigua National Bank, Cooper/Haims Advisors, LLC, and Esl Investment Services LLC, among others. Sage, Rutty & Co., Inc. serves individual and institutional clients, including pension and profit-sharing plans, through advisory, financial planning, and wrap-fee platforms. The firm manages approximately $3.9 billion in assets across diverse account types and offers multiple program structures with both discretionary and non-discretionary management approaches.

Joseph Cerqua is a CFA® charterholder with three years of industry experience. He is currently with Sage, Rutty & Co., Inc. and previously worked at Elmwood Income Partners LLC and Clover Capital Management Inc./Federated Hermes. Sage, Rutty & Co., Inc. serves individual and institutional clients, including pension and profit-sharing plans, offering advisory, financial planning, and wrap-fee platforms. The firm manages approximately $3.9 billion in regulatory assets across a multi-advisor structure, providing both comprehensive planning and portfolio management services.

Kyle Dunn is a financial advisor at Modern Wealth Management, LLC in Rochester, NY, holding the ChFC® designation with 15 years of industry experience. His prior roles include positions at LPL Financial, Cadaret, Grant & Co., Inc., MML Investors Services, and MassMutual Financial Group. He also serves as an independent insurance agent involved with fixed insurance products. Modern Wealth Management provides investment advisory and integrated planning services to a diverse client base, including individuals, trusts, pension and retirement plans, charitable organizations, broker-dealers, and corporations. The firm operates a centralized portfolio management model, utilizing third-party managers and risk-tolerance tools, and offers a broad range of services such as discretionary investment management, tax planning, estate-planning assistance, and insurance solutions.

Tyler Rogers is a financial advisor at Modern Wealth Management, LLC with 17 years of industry experience. He previously worked at Principal Funds Distributor, Inc. and Paychex Securities Corporation. He holds Series 65 and Series 63 credentials. Modern Wealth Management, LLC is a multi-team SEC-registered investment adviser managing approximately $10.9 billion in assets. The firm provides investment management, financial planning, and modular services to individuals, high-net-worth clients, trusts, estates, and employer-sponsored retirement plans, using a centralized Investment Committee and a combination of model portfolios, third-party managers, and strategic allocation.

Connor Holly is a CFP® professional with 15 years of experience in financial advising. He has been with Sage, Rutty & Co., Inc. since 2011. Sage, Rutty & Co., Inc. serves both individual and institutional clients, including pension and profit-sharing plans, offering advisory, financial planning, and wrap-fee services. The firm manages approximately $3.9 billion in assets across a range of program structures and custodial relationships, providing comprehensive planning and portfolio management through a team of 45 advisors.

Morgan Allen is a financial advisor with Capitol Securities Management, Inc. in Rochester, NY, holding Series 63 and Series 65 credentials and five years of industry experience. He has worked at multiple firms including Beau Morgan Advisors, Invessent, Stratos Wealth Advisors, USAA Financial Advisors, and Charles Schwab & Co. Allen has also been involved with Invessent Wealth Management, LLC in a wealth advisory capacity. Capitol Securities Management serves individual investors, institutional clients, retirement plans, trusts, and small businesses by providing portfolio management, financial planning, and consulting services. The firm operates as both a broker-dealer and registered investment adviser, delivering investment advice through IAR-managed programs, separately managed accounts, model portfolios, and third-party Money Managers.

Stephen Digennaro II is a financial advisor at Kingswood Wealth Advisors, LLC with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Aegis Capital Corp. and Benchmark Investments. Outside of advisory roles, he is involved as Vice President of Investments for Argyle Creek LLC. Kingswood Wealth Advisors serves a diverse client base including retail, high-net-worth, and institutional investors, offering portfolio management, financial planning, and ERISA advisory services. The firm employs an open-architecture platform, often using third-party managers and sub-advisors, and integrates insurance-linked account management through affiliated financial entities.

Craig Gingerich is a CFP® with 12 years of industry experience, currently serving as a financial advisor at Sage, Rutty & Co., Inc. in Rochester, NY. He has been with Sage, Rutty & Co., Inc. since 2014. Sage, Rutty & Co., Inc. serves a diverse client base including individual and institutional investors, offering advisory, financial planning, and wrap-fee services. The firm manages approximately $3.9 billion in assets across 8,685 accounts and provides both discretionary and non-discretionary portfolio management with multiple program structures and custodial relationships.

Craig Houck is a financial advisor at Modern Wealth Management, LLC with 26 years of industry experience. He previously worked at OSAIC for 16 years before joining Modern Wealth Management and Mutual Securities, Inc. in 2025. Houck serves as board secretary for Hope Hall School and is a board member of the Rochester Presbyterian Home Foundation, where he participates in investment-related reviews and grant decisions. Modern Wealth Management, LLC is a multi-team SEC-registered investment adviser managing approximately $10.9 billion in assets for individuals, high-net-worth clients, trusts, estates, and employer-sponsored retirement plans. The firm employs a centralized Investment Committee and Investment Management Team that utilize model portfolios, third-party managers, and strategic allocation combined with tactical adjustments.

Michelle Cannan is a financial advisor at Modern Wealth Management, LLC with 19 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at LPL Financial, Cadaret, Grant & Co., Inc., Donegal Securities, Inc., and Kraematón Group. Outside of advisory work, she is involved with BIA Consulting, LLC and serves as a member of a third-party administrator affiliated with Modern Wealth Management. Modern Wealth Management provides investment advisory and integrated planning services to individuals, trusts, pension and retirement plans, charitable organizations, broker-dealers, and corporations. The firm employs a centralized portfolio management model supported by an Investment Committee and offers a range of services including discretionary investment management, modular financial planning, tax and estate planning, and insurance solutions.

Thomas Burke is a financial advisor at Novem Group with 10 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses and has worked at Novem Group since 2016, following a decade at American Portfolios Financial Services, Inc. Novem Group provides portfolio management and financial planning services to a diverse client base, including individual and high-net-worth clients, pension plans, charitable organizations, and government entities. The firm employs fundamental, cyclical, and technical analysis and offers a range of investment strategies across multiple asset classes.

Jonathan Fox is a financial advisor at Pinnacle Investments, LLC with 26 years of industry experience. He holds Series 65 and Series 66 licenses and has worked at Pinnacle Investments since 2022. His prior experience includes roles at Invesco Distributors, Inc. and Oppenheimer Funds Distributor Inc. Pinnacle Investments provides investment advisory and brokerage services to a broad client base, including high-net-worth individuals, pension plans, trusts, and charitable organizations. The firm employs both fundamental and technical analysis across various investment strategies and offers financial planning as a separate, CFP-aligned service.

Lorna Erb is a financial advisor at Ashton Thomas Securities, LLC with three years of industry experience. She holds Series 66 and Series 63 licenses and has prior work experience at JPMorgan Chase Bank, J.P. Morgan Securities, Sephora, and Ulta Beauty. Ashton Thomas Securities is a registered investment adviser and broker-dealer that provides investment management, financial planning, and retirement plan consulting to individuals, business entities, trusts, estates, and charitable organizations. The firm manages approximately $1.86 billion for over 2,200 clients through a team of 18 advisors and offers multiple program structures including wrap and non-wrap offerings, model portfolios, and separately managed accounts.

Matthew Webster is a financial advisor at Sage, Rutty & Co., Inc. in Rochester, NY, holding Series 63 and Series 66 licenses with five years of industry experience. He previously worked at Equitable Advisors and AxA Advisors. Webster serves as a board member of the Onondaga East Chamber, a nonprofit organization. Sage, Rutty & Co., Inc. serves individual and institutional clients, including pension and profit-sharing plans, providing advisory, financial planning, and portfolio management services. The firm manages approximately $3.9 billion in assets under management across multiple custodial platforms and offers a range of program structures, including discretionary and non-discretionary account management.

Melissa Cropo is a financial advisor at Sage, Rutty & Co., Inc. in Rochester, NY, with 15 years of industry experience. She holds the Series 66 designation and has been with Sage Rutty since 2013. Sage Rutty & Co., Inc. serves a diverse client base of individual and institutional investors, including pension and profit-sharing plans. The firm manages approximately $3.9 billion in regulatory assets across 8,685 accounts, offering comprehensive financial planning and portfolio management through multiple program structures and custodial relationships.

Laura Frood is a financial advisor with Sage, Rutty & Co., Inc. in Rochester, NY, holding Series 63 and Series 65 credentials and 25 years of industry experience. She has been with Sage, Rutty & Co., Inc. since 2004. Sage, Rutty & Co., Inc. serves individual and institutional clients, including pension and profit-sharing plans, through advisory, financial planning, and wrap-fee platforms, managing approximately $3.9 billion in regulatory assets across 8,685 accounts. The firm offers comprehensive planning and portfolio management services with multiple program structures and custodial relationships.

Donna Malucci is a financial advisor at Sage, Rutty & Co., Inc. with 31 years of industry experience. She previously worked at Morgan Stanley Smith Barney and Citigroup Global Markets. Outside of finance, she is an independent consultant for Mary Kay Cosmetics. Sage, Rutty & Co., Inc. serves individual and institutional clients through advisory, financial planning, and wrap-fee platforms, managing approximately $3.9 billion in regulatory assets. The firm offers multiple program structures, supports both discretionary and non-discretionary accounts, and provides comprehensive planning alongside portfolio management.

Kierin Ratliff is a financial advisor at Modern Wealth Management, LLC with one year of industry experience. He holds a Series 66 designation and has worked previously at Mutual Securities, Inc., Osaic Wealth, Manning and Napier, and in academic roles at the University of Rochester and University of Pittsburgh. Modern Wealth Management provides investment advisory and integrated planning services to individuals, trusts, pension and retirement plans, charitable organizations, broker-dealers, and corporations. The firm employs a centralized portfolio management model supported by an Investment Committee and offers a range of services including discretionary investment management, financial and tax planning, estate assistance, and insurance solutions.

James Horn is a financial advisor at RFG Advisory, LLC with 13 years of industry experience. He previously worked at Edelman Financial Engines for nine years and TMFS Advisors, LLC for one year. He holds Series 63 and Series 66 licenses. Horn is also the owner and founder of Matterhorn Private Wealth, a DBA focusing on advisory and insurance activities. RFG Advisory is a multi-team registered investment adviser with approximately 179 advisors managing around $8 billion for more than 17,000 clients, including individuals, high-net-worth households, trusts, retirement plans, and institutional accounts. The firm employs a mix of actively managed and passive strategies, direct indexing, and tax-aware approaches, and serves a diverse client base with portfolio management, financial planning, and alternative investment solutions.

Peter Sartori is a financial advisor at Ashton Thomas Securities, LLC with 19 years of industry experience. He holds the Series 66 designation and has worked at Excel Securities & Associates, Inc. since 2014. Ashton Thomas Securities, LLC serves individuals, business entities, trusts, estates, and charitable organizations, managing approximately $1.72 billion for about 2,600 clients. The firm offers a range of portfolio management services, financial planning, and retirement plan consulting, utilizing mutual funds, ETFs, independent managers, and third-party models tailored to client profiles.