Cameron Perna is a financial advisor with UBS Financial Services in Rochester, NY, holding a Series 66 designation and two years of industry experience. His prior roles include work at 39 North Capital, the University of Notre Dame Investment Office, and Dean Bradley Osborne Partners LLC. Outside of advisory work, he has been involved as a proprietor of a rental property. UBS Financial Services serves individual, corporate, and institutional clients by combining brokerage and investment advisory services, using proprietary research and model-based asset allocations tailored to client goals and risk tolerances.

Timothy Bay is a Financial Consultant at Fidelity Investments, a position he has held since 2024. He has been with Fidelity Investments since 2020, previously serving as an Investment Consultant from 2022 to 2024, a Relationship Manager from 2021 to 2022, and a Financial Representative from 2020 to 2021. Prior to joining Fidelity Investments, he worked as a Financial Professional at Equitable Advisors from 2019 to 2020. Timothy focuses on helping local clients develop financial plans tailored to their priorities. He emphasizes a dedicated and trustworthy approach to assist clients in growing, protecting, and maintaining their wealth, aiming to provide them with confidence in their financial strategies. Outside of his professional work, Timothy has interests in fitness and football.

Stephen Fornarola is a financial advisor at RBC Capital Markets with a Series 66 designation and three years of industry experience. His prior work history includes roles at RBC Capital Markets and Penfield Country Club. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers various advisory programs with discretionary and non-discretionary portfolio management, financial planning, and brokerage services, utilizing a combination of in-house and third-party investment managers tailored to clients’ risk profiles.

Thomas Shortslef is a financial advisor at OSAIC with 36 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Securities America Advisors, Inc. prior to joining OSAIC. In addition to his advisory role, he owns Shortslef Tax Service, where he provides individual and corporate tax preparation and planning, and he is also a licensed life and health insurance agent. OSAIC serves a diverse range of clients including individual investors, pension plans, corporations, and charitable organizations through a broad network of advisors. The firm offers integrated brokerage and advisory services with a focus on asset allocation, risk management, and access to third-party managers across multiple investment platforms.

Kenper Miller is a financial advisor with Morgan Stanley in Rochester, NY, holding Series 63 and Series 65 licenses and bringing 49 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Miller serves as a board member of the Lifetime Assistance Foundation, where he oversees development efforts and helps formulate investment and spending policies. Morgan Stanley Wealth Management provides advisory and financial planning services to individuals and institutions, managing approximately $2.74 trillion in client assets with a planning process that includes firm-approved tools and scenario modeling but does not provide individual security recommendations as part of standalone plans.

Alissa Lusardi is a financial advisor with OSAIC in Pittsford, NY, holding a Series 66 designation and five years of industry experience. Her prior roles include positions at Securities America Advisors and Northwest Bank. She also serves as a supervision analyst, performing compliance and trade review duties. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing advanced asset-allocation tools and offering access to multiple third-party money managers and investment platforms.

Thomas Sime is a financial advisor with Morgan Stanley in Rochester, NY, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. His prior roles include positions at Wells Fargo Clearing and Wells Fargo Advisors LLC before joining Morgan Stanley in 2017. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and its Estate Planning Strategies Group.

Deana King is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and 35 years of industry experience. She has worked at Cetera Investment Advisors LLC, Cetera Investment Services LLC, and The Canandaigua National Bank and Trust Co since 2021, following 15 years at M&T Securities, Inc. She also serves as a compliance officer and referrer for Canandaigua National Bank & Trust. Cetera Investment Advisers LLC is an SEC-registered firm with a nationwide network of over 10,000 advisors, serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services, utilizing multiple program structures and third-party managers.

David Gibbons is a financial advisor with Cetera in Pittsford, NY, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has worked at Cetera since 2017 and previously worked at M&T Securities from 2012 to 2017. Outside of his advisory role, Gibbons serves as Director of Business Development for Canandaigua National Bank & Trust and is chairman of the board for Canandaigua National Bank Insurance Agency. He is also a board member of the Tennis Club of Rochester. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services across multiple program structures, with more than 10,000 advisors and over $256 billion in assets under management.

Kathryn Higgins is a financial advisor at OSAIC with 11 years of industry experience. She holds the Series 66 designation and has worked with firms including Royal Alliance Associates, INC., Manning & Napier, and Higgins Henderson LLC. She operates a sole proprietorship, Higgins Financial Advisors, providing financial consulting services. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisors and multiple advisory platforms, offering integrated brokerage and investment advisory services along with access to third-party money managers and diversified investment options.

Charles Ott is a financial advisor at Morgan Stanley with Series 66 registration and three years of industry experience. His prior roles include positions at Rochester Regional Health and The TJX Companies. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a broad range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning processes that incorporate advanced modeling tools.

Christopher Shekell is a financial advisor with Mass Mutual Investors Services in Rochester, NY, holding a Series 63 designation and 17 years of industry experience. He has been with Mass Mutual Investors Services and MassMutual Life Insurance since 2017 and is also an agent with Pinnacle Insurance & Financial Services, where he has worked since 2015. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, with planning engagements that focus on goal analysis and strategy recommendations rather than specific product selections.

Robert Walker III is a financial advisor with LPL Financial in Rochester, NY, holding CFP® and ChFC® designations and bringing 25 years of industry experience. He has worked with ESL Investment Services, LLC and Key Investment Services LLC during his career. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a broad range of financial planning and advisory programs, including discretionary and non-discretionary management, with resources from LPL Research and third-party subadvisors.

Melinda Lenzi is a CFP® professional with 20 years of experience in the financial industry. She has been with LPL Financial since 2010 and also works with ESL Investment Services, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

David Guadagnino is a financial advisor at Merrill with 33 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Merrill since 1993 and Bank of America, N.A. since 2009. He serves on the board and audit committee of a local nursing home and elder care facility foundation. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Brittany Bieger is a CFP®-credentialed financial advisor with Morgan Stanley in Rochester, NY, bringing 13 years of industry experience. She has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm employs structured planning tools and investment modeling techniques while acting primarily in an advisory capacity.

Priscilla Hennig is a CFP® with nine years of industry experience, currently serving as a financial advisor at Ameriprise. Her prior experience includes roles at LPL Financial, CUNA Brokerage Services, CUNA Mutual Group, and Horace Mann Companies. She also holds a dual position as a financial advisor at the University of Illinois Credit Union. Ameriprise is a large institutional firm offering a retirement-income planning service targeted at individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations. The firm also offers a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Kaden Helmer is a financial advisor with Ameriprise in Victor, NY, holding a Series 66 designation and one year of industry experience. Prior to joining Ameriprise in 2022, he worked at Under Armour and has a background that includes roles at Duquesne University and Victor Junior/Senior High School. He also manages an advisory business under Creative Management Consultants, LLC. Ameriprise provides a retirement-income planning service primarily for individuals approaching or in retirement with significant investable assets, combining research-driven recommendations with tax-smart withdrawal strategies and algorithmic automation to support client planning.

Alyssa Cruz is a financial advisor with OSAIC Wealth, Inc., holding Series 63 and Series 65 licenses and two years of industry experience. She previously worked at Financial Freedom Group and has experience in content creation for social media platforms such as Instagram and TikTok. She also holds a public notary designation. OSAIC Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisors and advisory platforms. The firm offers integrated brokerage and investment advisory services with a focus on asset allocation, risk tolerance, and portfolio construction using a variety of securities and third-party management solutions.

Francis Wacenske is a Series 66-credentialed financial advisor with 22 years of industry experience. He has been with UBS Financial Services Inc. since 2009. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor solutions to clients.