Heather Barniak is a financial advisor with Equitable Advisors in Rochester, NY, holding the Series 66 designation and bringing 13 years of industry experience. She has worked with Equitable Advisors since 2012, including during its period as Axa Advisors, LLC. Equitable Advisors serves a diverse client base, including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset-management programs delivered through Investment Adviser Representatives and third-party asset managers.

Koen Goorman is a financial advisor with Equitable Advisors in Rochester, NY, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Equitable Advisors and its predecessor, AXA Advisors, LLC, since 1999. He serves as a board member of the Finance Council at the Church of the Transfiguration in Pittsford, NY. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm utilizes a range of advisory programs and third-party asset managers, offering diversified investment options and ERISA fiduciary services.

James Wehrle is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 25 years of industry experience. He has worked with LPL Financial since 2018 and previously spent seven years at Invest Financial Corporation. Wehrle is also a partner at Flaherty Salmin CPAs, where he is involved in tax preparation and accounting, and participates in managing an indoor turf facility through Genrich Athletic Group, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, utilizing various portfolio management approaches supported by research and technology across a large network of investment adviser representatives.

Francis Wershing Jr. is a CFP® with 38 years of experience in the financial industry. He has been with Cambridge Investment Research Advisors since 2011 and has also served at Greece Central School since 1989. Outside of his advisory role, he is involved in nonprofit governance as chairman of the centennial committee for the Hochstein School of Music and Dance and is an author. Cambridge Investment Research Advisors serves a diverse client base including individuals and institutional clients such as pension and charitable organizations. The firm offers financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a large network of financial professionals and multiple platform options.

Michael Sellars is a financial advisor with Ameriprise Financial Services in Rochester, NY, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. His prior roles include positions at KeyBank, Key Investment Services, and JPMorgan Chase Bank. Sellars serves as President on the Board of Directors for ROC Cystic Fibrosis Awareness, Inc. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized retirement income service focused on dependable income sources and tax-aware withdrawal strategies for clients approaching or in retirement.

Margaret Dunning is a financial advisor at Morgan Stanley with a Series 66 credential and four years of industry experience. Her prior roles include positions at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. Outside of finance, she has worked with community organizations such as Drumcliffe Irish Arts and has experience in educational settings. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and serves clients both directly and through corporate financial planning agreements.

Daniel Willoth serves as Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2016. In this role, he guides clients through all life stages, working collaboratively to create plans aimed at achieving their financial goals. His Chartered Financial Analyst® designation provides him with a distinctive perspective on complex financial situations, goals, and the current market environment. With over 20 years of industry experience, Daniel's background includes roles as a Portfolio Analyst at PIMCO from 2013 to 2016, an Internal Wholesaler at AIG SunAmerica from 2007 to 2013, and a Financial Advisor at Oppenheimer & Co. from 2005 to 2007. He holds a California Insurance License.

Michael Munn is a CFP® professional with 17 years of industry experience, currently associated with LPL Financial since 2008. Based in Pittsford, NY, he holds a Series 63 license. LPL Financial is a national broker‑dealer and SEC‑registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to third‑party asset management, utilizing various strategies such as model portfolios and customized allocations.

Ryan Miller is a CFP® professional with 10 years of experience in the financial industry. He is currently affiliated with LPL Financial and has previously worked at firms including OSAIC, Cadaret, Grant & Co., Inc., and Manning & Napier. Miller is also involved with Lawley, LLC, an insurance agency. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by advanced operational and research tools.

Michael Ferron is a financial advisor with Cambridge Investment Research Advisors in Rochester, NY, holding a Series 63 designation and 23 years of industry experience. He has been with Cambridge since 2011 and also serves as president of Michael P. Ferron, CPA, P.C., which provides tax preparation, accounting, estate planning, and small business consulting services. Outside his advisory work, he is vice president of Ferron Norris Financial Inc., which offers tax preparation and accounting. Cambridge Investment Research Advisors, Inc. serves a diverse client base including individuals, institutions, pension plans, and charitable organizations, providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm supports both discretionary and non-discretionary management and offers proprietary model strategies and access to third-party advisers.

Stephen Gaudino is a financial advisor with LPL Financial, holding a Series 63 designation and 12 years of industry experience. He has worked at LPL Financial since 2018 and previously at Invest Financial Corporation. He operates his own CPA practice and has been involved with The Gaudino Group, a business affiliated with his LPL activities. 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 financial planning and asset management services, combining advisory solutions with a broad suite of financial products and partnerships.

Daniel Malloy is a financial advisor with Morgan Stanley in Pittsford, NY, holding a Series 66 designation and one year of industry experience. His prior roles include positions at RNY FC, Nextcorps, and Wegmans Food Markets, among others. Morgan Stanley Wealth Management provides a broad range of advisory programs to individual and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm employs structured planning tools and models to assist clients, managing approximately $2.74 trillion in client assets.

Charles Salina is a financial advisor with MassMutual Investors Services in Rochester, NY, holding a Series 66 designation and with one year of industry experience. Prior to his current role, he worked at Cognivue, Inc. and has experience in various positions including food service at Marty's Meats. Outside of advising, he is employed at Marty's Meats, where he prepares and serves food from their food trucks. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm structures financial planning as annual, collaborative engagements using firm-approved analytical tools, focusing on investment categories and strategies without discretionary authority.

Joseph Johansen is a Planning Consultant at Fidelity Investments, a role he has held since 2025. In this position, he partners with clients and their Financial Consultants to develop comprehensive financial plans tailored to their current goals and aspirations, aiming to support their pursuit of future success. Prior to his current role, Joseph gained experience as a Relationship Manager and Financial Representative at Fidelity Investments from 2023 to 2025. Before joining Fidelity, he worked as a Private Client Banker at JPMorgan Chase from 2021 to 2023.

Amy Olson is a Series 66-licensed advisor based in Rochester, NY, with eight years of industry experience. She has been with Osaic since 2024 and concurrently affiliated with FourBridges Financial Group for over ten years. Osaic Wealth serves a diverse client base including retail and institutional investors, offering a range of advisory and brokerage services supported by model-based asset allocation and portfolio optimization tools. The firm is recognized for its scale, affiliate network, and multi-advisor platform delivering comprehensive financial solutions.

Diana Chowdhury is a financial advisor with Equitable Advisors in Rochester, NY. She holds a Series 66 designation and has one year of industry experience. Prior to joining Equitable Advisors, she held positions at The Source Fine Jewelers, Insperity, ADP, and Paychex. Equitable Advisors serves individual clients across various wealth levels, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm offers financial planning, retirement plan consulting, and asset-management programs, using a range of third-party managers and proprietary solutions.

William Johnson is a financial advisor with LPL Financial based in Rochester, NY. He holds a Series 66 designation and has two years of industry experience. Prior to joining LPL Financial, he worked at Lincoln Financial and OSAIC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and model portfolio programs, with advice delivered through a large network of investment adviser representatives.

Nicholas Lennon is a CFP® with 14 years of industry experience, currently with RBC Capital Markets in Rochester, NY. He has worked at RBC since 2013 and previously held a role at City National Bank. Outside of his advisory work, he serves on the Board of Directors for The Victor Chamber of Commerce, a local business organization. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individuals, institutions, and corporations. The firm offers various advisory programs that provide portfolio management, financial planning, and brokerage services tailored to each client’s risk profile, utilizing both in-house and third-party investment resources.

Zachary Kuhn is a financial advisor at LPL Enterprise with a Series 66 credential and no prior industry experience. His background includes roles in various sectors such as retail and education, including positions at Lowe’s, SUNY Oswego, and Tom Wahl’s. LPL Enterprise serves a broad client base including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, while also offering financial planning, access to third-party asset managers, and affiliated trust and insurance services.

John Nagle Caraluzzo is a financial advisor with MassMutual Investors Services, holding Series 63 and Series 65 credentials and 19 years of industry experience. His prior work includes roles at Prudential Insurance Company of America and Pruco Securities LLC. He is also the owner of VNC Enterprises, Inc., a construction and development business. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm offers collaborative, annual financial planning engagements using firm-approved software tools and serves a broad client base including high-net-worth clients.