Matthew Baker is a financial advisor at LPL Financial with seven years of industry experience. He holds the Series 66 credential and has previously worked at firms including Bank of America, Merrill, and Manning & Napier Advisors. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research, model portfolios, and various investment strategies.

Victoria Ruetz is a financial advisor with Wells Fargo Advisors, holding a Series 66 designation and three years of industry experience. Her career includes two prior four-year periods at Wells Fargo Advisors, separated by four years at Mengel Metzger Barr & Co., LLP. She is also a licensed Certified Public Accountant based in Rochester, NY. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services tailored to clients who meet certain net-worth thresholds. The firm offers a broad range of planning services supported by proprietary research and tools, coordinating advisory services with various financial products and referral channels.

Thomas Leonardo is a financial advisor at LPL Financial with 25 years of industry experience. He holds a Series 66 designation and previously worked at OSAIC for seven years and Signator Investors, Inc. for twelve years. Leonardo is also involved with Empire Financial Management, where he dedicates time monthly to non-variable insurance activities. 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 various advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by extensive research and model portfolio options.

Richard Harter is a financial advisor with Osaic Wealth, Inc., holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He previously worked at Securities America Advisors, Inc. and Securities America, Inc. for eight years. Harter is a partner in a joint marketing website focused on financial planning and insurance sales and serves as treasurer for the Brighton Campus Park Condominium Association. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisors. The firm offers integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers, utilizing sophisticated asset-allocation tools and multiple investment platforms.

Marc Johnson is a financial advisor with Wells Fargo Advisors in Rochester, NY, holding Series 63 and Series 65 designations and bringing 40 years of industry experience. He has worked with Wells Fargo Advisors and its related entities since 2009. Outside of advising, he has co-ownership interests in a properties company and Cornerstone Wealth Management. Wells Fargo Advisors serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services tailored through a broad menu of planning options. The firm utilizes proprietary research and planning tools, offering clients discretionary choice in implementing recommendations across brokerage and advisory programs.

Carmen Caruso II is a CFP® certificant affiliated with OSAIC in Rochester, NY, with five years of industry experience. His prior roles include positions at Del-Sette Capital Management, Taconic Advisors, and other firms. OSAIC serves a diverse client base including retail and institutional investors, offering integrated brokerage and advisory services supported by various asset-allocation tools and third-party managed account solutions. The firm is notable for its complex corporate structure resulting from multiple mergers and its use of a wide range of commercial arrangements.

David Munn is a financial advisor with LPL Financial in Pittsford, NY, holding a Series 66 designation and bringing 26 years of industry experience. He has been associated with Linsco/Private Ledger Corp. since 2004. In addition to his advisory role, he is involved as an independent insurance agent selling fixed life and long-term care insurance products. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm provides financial planning, advisory programs, retirement plan consulting, and brokerage services, offering both discretionary and non-discretionary management supported by model portfolios and research.

Matthew Huber is a financial advisor at Stifel with a Series 66 credential and one year of industry experience. His prior work includes roles at ServiceNow, Inc., IZEA Worldwide, Inc., UBS Financial Services Inc., and various companies outside financial services. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, providing brokerage and investment advisory services supported by a proprietary investment strategy methodology developed by its Investment Strategy Group.

Philip Hofmeister is the Vice President, Wealth Planner at Fidelity Investments, a position he has held since 2022. In this role, he collaborates with clients to develop wealth strategies aimed at achieving their financial goals. Prior to this, he served as a Financial Consultant at Fidelity Investments from 2021 to 2022. Philip has extensive experience in the financial services industry, having worked in various capacities including Branch Manager at Charles Schwab from 2015 to 2021, Senior Account Executive at Fidelity Investments between 2012 and 2015, Account Executive from 2007 to 2012, and in Premium Services at Fidelity Investments from 1998 to 2007. Outside of his professional work, Philip engages in activities such as badminton, hiking, running, reading, volunteering, and spending time with his family.

Jeff Wolk is a financial advisor with Raymond James & Associates in Rochester, NY, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. He has been with Raymond James & Associates since 2012. Outside of his advisory role, he is an investor in Broadstone Net Lease, Inc., a private real estate investment trust. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, pension plans, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Krista Schiavi is a financial advisor at UBS Financial Services with 14 years of industry experience. She holds the Series 63 and Series 65 designations and has been with UBS since 2012. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings. The firm provides fee-based financial planning, portfolio management, and access to proprietary research and institutional trading capabilities.

Todd Sloth is a financial advisor at OSAIC with 29 years of industry experience. He holds a Series 63 designation and previously worked at Lincoln National Life Insurance Co for 27 years. Outside of his advisory role, he owns and operates a driveway coating business. OSAIC serves a diverse range of retail and institutional clients, offering integrated brokerage and investment advisory services through a large network of affiliated advisors. The firm employs various asset-allocation tools and supports multiple advisory platforms to construct portfolios tailored to client needs.

Dylan Colletta is a financial advisor at Morgan Stanley with nine years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley since 2018, including three years with Morgan Stanley Services Group, Inc. His prior experience includes roles at AXA Advisors, LLC and Relin Goldstein & Crane, LLP. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs and financial planning services using structured processes and analytical tools, managing approximately $2.74 trillion in client assets.

Paul Beck is a financial advisor with RBC Capital Markets, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has been with RBC Capital Markets since 2012. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers various wrap fee advisory programs with discretionary and non-discretionary portfolio management, tailoring strategies to each client’s risk profile and utilizing both in-house and third-party investment managers.

Bryan Schoff is a financial advisor with UBS Financial Services in Rochester, NY, holding a Series 66 designation and 12 years of industry experience. He has been with UBS since 2014. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client plans.

Michael Perrone is a financial advisor at Wells Fargo Clearing with 14 years of industry experience. He holds the Series 66 designation and previously worked for Stifel Nicolaus & Co. Inc. from 2015 to 2023. Perrone serves on the Board of Trustees for Nazareth University, where he participates in financial oversight and strategic planning. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s approach is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Kyle Smith is a Series 66-registered financial advisor with one year of experience, currently affiliated with Cetera in Pittsford, NY. He has a background that includes roles at Canandaigua National Bank and Trust and Cetera Investment Services LLC. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individual investors, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a large network of independent advisors, utilizing both affiliated and unaffiliated third-party managers across multiple program structures.

Edward Lipski is a CFP® with 25 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he serves on the finance committee of Habitat for Humanity in Rochester, NY, where he monitors and reviews financials. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s investment approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Thomas Borrelli is a financial advisor with LPL Financial in Brighton, NY, holding the Series 63 and Series 66 designations and possessing 18 years of industry experience. He previously worked at Key Investment Services, LLC from 2014 to 2022 before joining LPL Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, institutions, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, financial planning services, and utilizes strategic and tactical model portfolios supported by in-house research and third-party subadvisors.

Laurie Zastawrny is a financial advisor with Raymond James & Associates, holding Series 63 and Series 66 designations and bringing 16 years of industry experience. Prior to joining Raymond James in 2022, she worked for Merrill for 11 years. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, and offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.