Thomas Burke is a financial advisor at Novem Group with 10 years of industry experience. He holds the Series 63, Series 66, and Series 65 designations and has worked at Novem Group since 2016, following a tenure at American Portfolios Financial Services, Inc. from 2014 to 2024. Novem Group provides portfolio management and financial planning services to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and government entities. The firm uses a variety of analytical approaches and investment strategies, including discretionary management and third-party money manager referrals, supported by custodial and trading operational tools.

Michael Charleton Jr. is a CFP® with 41 years of industry experience, currently serving at William Joseph Capital Management, Inc. since 2025. His previous roles include positions at OSAIC and American Portfolios Advisors, Inc., among others. In addition to his advisory work, he operates an independent insurance agency and owns a separate business entity providing payroll services. William Joseph Capital Management, Inc. offers investment advisory and financial planning services to individuals, charitable organizations, businesses, and retirement plans. The firm combines portfolio management with financial planning and manages accounts on both discretionary and non-discretionary bases, utilizing third-party models and custodians such as Schwab.

Lorna Erb is a financial advisor at Ashton Thomas Securities, LLC with three years of industry experience. She holds the Series 63 and Series 66 designations. Prior to joining Ashton Thomas Securities, she held roles at JPMorgan Chase Bank and J.P. Morgan Securities, and has also worked in retail positions at 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 across six offices, offering a range of program structures and retirement plan fiduciary services.

Matthew Webster is a financial advisor at Sage Rutty & Co., Inc. in Rochester, NY, with six years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Equitable Advisors and Northwestern Mutual. Webster serves as a board member of the Onondaga East Chamber. 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 8,685 accounts and employs fundamental, technical, and cyclical analysis in portfolio 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 holds Series 63 and Series 66 licenses and previously worked at firms including Edelman Financial Engines and TIAA-CREF. Horn is also the owner and founder of Matterhorn Private Wealth, a DBA for advisory and insurance activities. RFG Advisory serves a wide range of clients including individual and high-net-worth investors, retirement plans, and institutional clients such as investment companies and government entities. The firm offers discretionary portfolio management, financial planning, retirement consulting, and access to alternative investments, using a combination of model strategies, third-party platforms, and proprietary ETFs.

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.

Teresa Robinson is a financial advisor at Sage Rutty & Co., Inc. in Rochester, NY, holding Series 63 and Series 65 licenses with 13 years of industry experience. She has been with Sage Rutty since 2013. 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 about $3.9 billion in assets across multiple program structures and custodial relationships, providing both discretionary and non-discretionary portfolio management alongside comprehensive financial planning.

Donald Brown Jr. is a financial advisor at Capitol Securities Management, Inc. in Rochester, NY, holding a Series 66 designation with 20 years of industry experience. He has been involved with Capitol Securities Management, Rochester Wealth Management, and Global Life of NY since 2013 or earlier. Outside of advisory work, he is an agent marketing and selling fixed life insurance and Medicare supplement insurance. Capitol Securities Management serves individual, corporate, and charitable clients, offering brokerage and advisory services alongside financial planning, pension consulting, and insurance products. The firm manages assets through various programs and employs a network of investment adviser representatives who develop client-specific investment policies.

Aaron Young is a CFP® with 13 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, across multiple roles within the firm. 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 8,685 accounts and provides both comprehensive planning and portfolio management through multiple program structures and custodial relationships.

Joshuah Tatro is a financial advisor at Modern Wealth Management, LLC with 13 years of industry experience. He holds a Series 66 designation and previously worked at OSAIC for 11 years before joining Modern Wealth Management and Mutual Securities, Inc. in 2025. Outside of his advisory roles, Tatro coaches a youth soccer team with the Fairport Soccer Club. 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 employs a centralized portfolio management model supported by an Investment Committee and offers comprehensive services such as discretionary investment management, financial and tax planning, estate-planning assistance, and insurance solutions.

Christopher Hoffarth is a financial advisor with Modern Wealth Management, LLC in Rochester, NY, holding Series 63 and Series 65 licenses and 11 years of industry experience. His prior roles include positions at Mutual Securities Group, Inc., LPL Financial, and QCI Asset Management. Modern Wealth Management, LLC is a multi-team SEC-registered investment adviser managing approximately $10.9 billion in assets across a range of client types, including individuals, high-net-worth clients, trusts, estates, and employer-sponsored retirement plans. The firm employs a centralized investment approach supported by model portfolios, third-party managers, and risk-tolerance tools, while also offering tax, estate, and insurance services through affiliated entities.

James Burke is a CFP® professional with 33 years of industry experience. He has been with Sage, Rutty & Co., Inc. in Rochester, NY, for over three decades, serving in a financial advisory capacity since 1992. Sage, Rutty & Co., Inc. provides advisory, financial planning, and wrap-fee services to a diverse client base that includes individuals and institutions such as pension and profit-sharing plans. The firm manages approximately $3.9 billion in assets across more than 8,600 accounts, employing various program structures and analytical approaches while supporting both discretionary and non-discretionary account management.

Kimberly Schulwitz is a financial advisor at Sage, Rutty & Co., Inc. in Rochester, NY, with 11 years of industry experience. She holds the Series 63 and Series 66 designations and previously worked at Wells Fargo Clearing for five years before joining Sage Rutty in 2021. 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 assets across 8,685 accounts and combines comprehensive planning with portfolio management using multiple custodial relationships and varied program structures.

Michael Cerutti is a financial advisor with Modern Wealth Management, LLC in Rochester, NY, holding Series 63 and Series 65 licenses and four years of industry experience. His prior work includes roles at Mutual Securities, Neuberger Berman, Lincoln Financial Advisors, and GAMCO Investors. Outside of advisory work, he is also an independent insurance agent specializing in fixed life insurance. Modern Wealth Management, LLC is a multi-team SEC-registered adviser managing approximately $10.9 billion in assets across about 94 advisors. The firm serves 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 money managers, and strategic allocations to guide investment decisions.

Lauren Thompson is a financial advisor at Sage, Rutty & Co., Inc. with a Series 66 designation and three years of industry experience. Her prior work includes roles outside the financial sector at Livingston Lanes & Pub, Barefoot Septic & Sewer Inc., Sonyea Golf Course, Glen Iris Inn, and various positions at SUNY Geneseo and Keshequa Central School. 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 assets across 8,685 accounts with 45 advisors, providing comprehensive planning and portfolio management through multiple program structures and custodial relationships.

David Robbins is a financial advisor at Courier Capital, LLC in Rochester, NY, holding a Series 63 designation with five years of industry experience. He worked at HNP Capital, LLC from 2011 to 2023 before joining Courier Capital, where he has been since 2023. Courier Capital, LLC provides investment advisory services to individuals, banking institutions, charitable endowments, and pension plans. The firm employs an asset-allocation approach with Investment Committee oversight and offers discretionary management, financial planning, retirement plan consulting, third-party manager selection, and access to alternative investments.