Alex Casale is a financial advisor at Cetera with 15 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Cetera and its affiliates since 2019. Prior to that, he worked at Foresters Financial Services and was involved with SUNY College of Brockport. Casale serves as a member of the Finance Committee and Treasurer for Highland Park Conservancy. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.

Patrick Reynolds is a financial advisor with Morgan Stanley in Rochester, NY, holding a Series 66 credential and five years of industry experience. Prior to joining Morgan Stanley in 2021, he worked at LenelS2 and Rochester Institute of Technology. Outside of his advisory role, he serves on the board and finance committee of Shift2 and Lifespan, both civic and community organizations, and works as a shopper for Instacart. Morgan Stanley Wealth Management offers a wide array of advisory programs to individuals and institutions, combining tailored financial planning with investment management supported by firm-approved tools and models.

Andrew Ness is a Financial Consultant currently working at Fidelity Investments since 2020. He has held various positions in the financial services industry, including Wealth Management Advisor at TIAA from 2017 to 2020, Vice President and Financial Solutions Advisor at Merrill Lynch from 2012 to 2017, and Financial Advisor at AXA Advisors from 2010 to 2012. Throughout his career, Andrew has focused on building customized financial plans tailored to meet the unique needs of his clients. He emphasizes a collaborative approach and prioritizes developing strong relationships based on trust, reliability, and competency. Outside of his professional work, Andrew enjoys engaging in family activities and participating in fitness-related pursuits such as golf, hiking, skiing, and tennis.

Kay Pfleghardt is a CFP®-certified financial advisor with 11 years of industry experience, currently associated with Raymond James Financial. Prior to joining Raymond James in 2025, Kay worked at Commonwealth Financial Network and Lincoln Financial Advisors. Kay serves on the advisory board of Alfred State College’s Department of Financial Planning, where she contributes to curriculum review and enrollment strategies. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning using analytical tools, supports wrap-fee advisory programs, and maintains specialized offerings such as municipal advising and SIMPLE IRA Employer Advisory services.

Allison Maier is a financial advisor with Raymond James Financial holding a Series 66 designation and nine years of industry experience. She has worked at several firms, including Cadaret Grant & Co., Inc., LPL Financial LLC, and Cetera ADVISORS LLC, before joining Raymond James and Associates in 2023. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm offers non-discretionary planning and tailored investment consulting using analytical tools and supports its advisory programs with technology and specialized municipal advisory services.

Brian Hopper is a financial advisor at LPL Financial with 15 years of industry experience. He has held roles at CUNA Brokerage Services, Inc. and CUNA Mutual Group since 2013. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary portfolio management, supported by research and technology-driven solutions.

Gerald Mc Cue is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he manages portfolios for high-net-worth individuals across the United States. Since joining the firm in 1992, he has attained the position of Senior Vice President and Senior Financial Advisor. Gerald is a qualified Portfolio Manager who provides traditional financial advice as well as personalized discretionary investment strategies that may include individual stocks and bonds, firm model portfolios, and third-party investment options. Gerald began his career in 1979 as a financial analyst at UNISYS and advanced to plant controller at one of their manufacturing facilities in Rochester, New York. He holds a Bachelor’s degree from the State University of New York at Potsdam and an MBA in Finance from the Rochester Institute of Technology. His professional designations include CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). In 1998, Gerald founded the McCue Memorial Foundation, a nonprofit organization that awards four-year tuition scholarships to qualified students attending the State University of New York. He has served on the board of directors for the Seneca Waterways Council of the Boy Scouts of America and as past chairman of the dean’s executive council for the Saunders College of Business at the Rochester Institute of Technology. Gerald resides in Rochester, New York with his wife, Diane. His personal interests include golfing, running, tennis, and woodworking.

Rylan Searley is a financial advisor at J.P. Morgan Securities with Series 66 registration and less than one year of industry experience. His background includes roles at JPMorgan Chase Bank, the University of Rochester, and RBC Wealth Management, along with various other positions outside the financial sector. 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 an ESG eligibility framework to inform its recommendations.

Stephen Gaudino is a CFP®-credentialed financial advisor with 33 years of industry experience. He has been with LPL Financial since 2018 and previously worked at INVEST Financial Corp for five years. Additionally, he owns and operates a CPA firm, Stephen Gaudino CPA PC, where he has been active for over 40 years. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients, including individuals, retirement plans, and institutions. The firm offers financial planning, advisory programs, retirement consulting, and brokerage services, utilizing a variety of model portfolios and research from in-house and third-party sources.

Nicholas Piehler is a financial advisor with Cetera in Rochester, NY, holding a Series 66 designation and four years of industry experience. He has previously worked with Avantax Investment Services and has been involved with Davie Kaplan Wealth Care Advisors, LLC. Outside of his advisory roles, Piehler serves as Finance Committee Chairman for the Catholic Newman Community at the University of Rochester and is a board member of the Nativity Preparatory Academy of Rochester, a Catholic middle school. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of over 10,000 independent advisors, serving individuals, retirement plans, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform, enabling advisors to implement various investment strategies and model portfolios.

Leo Iacobelli is a financial advisor with LPL Financial in Rochester, NY, holding Series 63 and Series 65 credentials and over 39 years of industry experience. He has worked with LPL Financial since 1999 and holds leadership roles at ESL Federal Credit Union and ESL Investment Services, LLC, where he serves as Senior Vice President and Director of Wealth Management, and President and COO, respectively. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management alongside access to model portfolios, research, and a range of institutional and participant advice programs.

Michael Kazacos Jr. is a CFP® with 29 years of industry experience, currently affiliated with Stifel since 2022. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC from 2012 to 2022. Outside of his advisory role, he is involved in owning a rental property in Victor, NY. Stifel serves a diverse client base including individuals, institutions, and municipal entities, offering both brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to support asset allocation and financial planning decisions.

Sandy Aristy is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. Prior to joining Merrill, Sandy worked at Bank of America, N.A. and Equitable Advisors, LLC. Outside of finance, Sandy works as a delivery driver for GG's Pizza in Rochester, NY. Merrill, through its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients via the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ruth Banegas is a financial advisor with Primerica Advisors, holding a Series 63 designation and possessing 10 years of industry experience. She has worked with PFS Investments Inc. since 2016 and with Primerica Financial Services since 2015. Outside of her advisory role, she is involved in sales of loan products and home-related services referrals through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with thousands of advisors and offices, offering model-based investment strategies managed by unaffiliated asset managers and supported by established custodians and overlay managers.

Gregory Miller is a financial advisor with Cetera, holding the PFS™ and Series 66 credentials and bringing 20 years of industry experience. He has worked with firms including Avantax Advisory Services and 1st Global Advisors and is a member and referring advisor at Davie Kaplan Wealth Care Advisors, where he has been active since 2006. Miller serves as treasurer and board member of the Rochester Rotary Charitable Trusts, a local nonprofit organization. Cetera Investment Advisers LLC operates as a multi-manager platform serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of over 10,000 advisors. The firm offers portfolio management, financial planning, and access to various program structures and third-party managers.

Jamie Bailey is a financial advisor with Morgan Stanley in Rochester, NY, holding Series 63 and Series 65 licenses and 24 years of industry experience. He has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques as part of its advisory services.

Karen Andrushko is a Senior Financial Advisor and Vice President at Merrill Lynch Wealth Management, where she has contributed over 40 years of experience. Throughout her career, Karen has served both institutional and retail clients, initially focusing on fixed income trading before expanding her expertise to include equities, closed-end funds, and annuities. She adopts a holistic approach to wealth management, leveraging internal specialists from Merrill Lynch and Bank of America to address retirement planning, loans, trust matters, and home financing. Her work is grounded in building trust and aligning clients' financial goals with tailored portfolio strategies. Karen holds a Bachelor's Degree from Saint John Fisher College and maintains the Professional Investment Advisor (PIA) designation. She is also registered with NMLS ID 579515. Beyond her professional responsibilities, Karen participates in community activities, volunteering with organizations such as the Pluta Cancer Center, Veterans Outreach Program, and Willow Domestic Violence Center.

Thomas Strutt is a financial advisor with Morgan Stanley in Rochester, NY, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he serves as a coach for the GU11 soccer team at FC Dynamo in Brighton, New York. Morgan Stanley Wealth Management offers a wide array of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through various financial planning and investment strategies.

Jacob Barragato is a financial advisor with Ameriprise Financial Services, holding a Series 66 designation and four years of industry experience. He previously worked at Cudlipp Financial Services, Inc. and Fairport Federal Credit Union. Based in Rochester, NY, he has been with Ameriprise since 2019. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written Recommendation Reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Chhavi Goel Parker is a financial advisor at Morgan Stanley with nine years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley and its Private Bank since 2016. 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 and employs a structured financial planning process supported by firm-approved tools and methodologies.