Sheila Monachino is a financial advisor with Cetera in Rochester, NY, holding a Series 66 designation and two years of industry experience. She has worked with several affiliated firms including Davie Kaplan Wealth Care Advisors, LLC, and Avantax entities. Outside of advisory roles, she is a shareholder and financial professional at Davie Kaplan CPA, P.C., where she prepares and reviews tax returns and manages tax and small business staff. She also serves as treasurer for the Rochester Education Foundation, a nonprofit supporting underprivileged youth. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services, leveraging affiliated and third-party managers across various program structures.

Mark Kluge is a financial advisor at OSAIC with 33 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at OSAIC since 2024. Prior to this, he was with Securities America Advisors, Inc. from 2016 to 2024 and has been a principal at Blaustein, Dicesare, Kluge & Associate, LLC since 2005. He is involved in several charitable and educational advisory councils, including the Professional Advisory Council of the University of Rochester and the United Way of Greater Rochester's Professional Advisory Council. OSAIC serves a wide range of retail and institutional clients, including high-net-worth individuals and charitable organizations, offering integrated brokerage, investment advisory services, retirement plan consulting, and access to third-party money managers and wrap programs. The firm utilizes asset-allocation tools, risk-tolerance analysis, and automated rebalancing to construct diversified portfolios across various asset classes.

Kevin Henderson is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He has been with OSAIC since 1997 and has a background that includes work with The Paul Revere Companies dating back to 1988. Outside of his advisory role, he is a partner in a real estate LLC that manages an office building housing his business operations. OSAIC serves a diverse client base, including individual and high-net-worth investors, pension plans, corporations, and charitable organizations, offering integrated brokerage and advisory services, financial planning, and access to multiple investment platforms and third-party managers. The firm employs a range of asset-allocation tools and supports both discretionary and non-discretionary portfolio management.

Michelle Lavigne is a CFP® professional with 40 years of industry experience, currently serving as a financial advisor at Wells Fargo Advisors since 2012. She holds Series 63 and Series 65 licenses and is based in Rochester, NY. Beyond her advisory role, she acts as a co-trustee and power of attorney for her spouse’s investment-related matters and serves as a notary public in Denver, CO. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services, including specialized areas such as business-owner transition and sports and entertainment planning, utilizing research and planning tools to develop tailored client recommendations.

Richard Cantwell III is a financial advisor with Equitable Advisors in Rochester, NY, holding Series 63 and Series 66 credentials and having three years of industry experience. His background includes roles at Rochester Regional Health and Wegmans, alongside his current advisory position. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm uses a hybrid referral and implementation model combining advisory and brokerage channels to tailor services based on client goals, risk tolerance, and time horizon.

Robert Mike is a financial advisor at Morgan Stanley with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including customized financial planning. The firm employs structured planning tools and investment modeling techniques and manages approximately $2.74 trillion in client assets.

Michael Kustigian is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 11 years of industry experience. He previously worked at Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. for six years. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its recommendations.

Elizabeth Carter is a financial advisor with OSAIC, holding a Series 66 credential and 13 years of industry experience. She has been with OSAIC since 2024 and previously worked at Securities America Advisors, Inc. for eight years. In addition to her advisory role, she serves as a senior supervision analyst at an OSAIC OSJ branch and maintains multiple New York State insurance licenses, primarily to review variable transactions. OSAIC Wealth, Inc. serves a diverse client base including individual, high-net-worth, institutional, and charitable clients through a large network of affiliated advisers and multiple platforms. The firm offers integrated brokerage and advisory services, using a range of tools and third-party solutions to construct and manage diversified portfolios.

Danielle Intini is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at various J.P. Morgan entities since 2012. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors. The firm operates on a non-discretionary basis, combining large institutional advisory operations with multiple market-facing registrations.

Susan L Mc Bride is a financial advisor with UBS Financial Services in Rochester, NY, holding a Series 63 designation and 21 years of industry experience. She has been with UBS Financial Services since 2011. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering financial planning, portfolio management, and a range of investment products. The firm combines institutional trading capabilities with wealth management services and provides comprehensive research and capital markets solutions.

Kiri Ramsey is a financial advisor at Wells Fargo Clearing with a Series 66 designation and three years of industry experience. She has worked at Wells Fargo Clearing since 2021 and previously was employed at EFPR Group, LLP. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services that include investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process 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.

Charles Cox is a financial advisor with Morgan Stanley in Rochester, NY, holding Series 65 and Series 66 licenses and six years of industry experience. He previously worked at Cetera and Canandaigua National Bank and Trust. Morgan Stanley Wealth Management provides advisory programs to individuals and institutions, offering tailored financial planning supported by structured discovery conversations and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through corporate arrangements.

Drew Beckeman is a Wealth Management Advisor with Merrill Lynch Wealth Management, focusing on financial planning and developing lasting relationships with clients and their families. He specializes in areas including executive compensation, family wealth management strategies, personal retirement planning, sports and entertainment, tax minimization, and retirement income. Drew is a CERTIFIED FINANCIAL PLANNER™ professional and a member of The Hines Group at Merrill. A graduate of the University of Michigan, Drew began his career with Merrill Lynch Wealth Management in 2019. He applies his expertise to help individuals, families, and business owners align investments, retirement planning, tax considerations, estate planning services, and long-term goals into customized financial plans. His professional designations include CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). Originally from West Michigan, Drew now resides in the Rochester, NY area with his wife, Ashley, their two sons, Ford and Nash, and their pets. He is involved in his community through organizations such as Rotary International, Rochester Area Triathletes, and The Spot. Outside of work, Drew enjoys baseball, basketball, camping, football, hiking, hunting, running, swimming, watching movies, and spending time with his family.

Ryan Miller is a financial advisor with OSAIC, holding Series 63 and Series 66 credentials and bringing 23 years of industry experience. His prior firms include Cetera and Foresters, where he worked for a combined total of over 20 years. He is involved with the Fellowship of Christian Athletes as a board director and youth lacrosse coach. OSAIC serves a diverse range of clients, including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations, offering integrated brokerage and advisory services supported by multiple platforms and third-party resources.

Katlyn Gedeon is a financial advisor with UBS Financial Services in Rochester, NY, holding Series 63 and Series 66 credentials and 15 years of industry experience. She has been with UBS since 2013. Outside of her advisory work, she has held a position as a waitress at The Towne Restaurant in Buffalo, NY. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, supported by proprietary research and a broad platform that includes custody and capital markets services.

Alan Cooper is a financial advisor with J.P. Morgan Securities in Rochester, NY, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. He has been with J.P. Morgan Chase Bank and J.P. Morgan Securities since 2010. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities.

Heather Barniak is a financial advisor with Equitable Advisors in Rochester, NY, holding a Series 66 designation and 13 years of industry experience. She has been with Equitable Advisors since 2012, including time when the firm operated as Axa Advisors, LLC. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm uses a hybrid referral and implementation model and offers both advisory and brokerage/insurance channels to implement client recommendations.

Koen Goorman is a financial advisor with Equitable Advisors in Rochester, NY, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Equitable Advisors since 1999 and previously worked at AXA Advisors, LLC. Goorman serves as a board member of the Finance Council at the Church of the Transfiguration in Pittsford, NY. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels tailored to client goals and risk tolerance.

Joseph Altobelli is a CFP® with 27 years of experience in the financial services industry. He is currently with OSAIC and previously worked for Securities America Advisors, Inc. and Securities America, Inc. from 2016 to 2024. In addition to his advisory role, he is involved in insurance sales, including life, disability, health, long-term care, supplemental insurance, and annuities. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm offers a range of services including financial planning, retirement plan consulting, managed portfolios, and access to third-party money managers, utilizing various asset-allocation tools and investment options.

James Wehrle is a financial advisor with LPL Financial in Rochester, NY, holding a Series 66 designation and 25 years of industry experience. He has worked at 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. Additionally, he has interests in an indoor athletic facility and real estate partnerships. 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 services, and utilizes model portfolios and research from multiple sources to support diversified investment strategies.