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.

Francis Wershing Jr. is a CFP® professional with 37 years of industry experience, currently affiliated with Cambridge Investment Research Advisors. He has been with the firm since 2011 and also maintains a long-term role at Greece Central School. Outside of advising, he serves on the board of the Hochstein School of Music and Dance and is an author. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts by providing financial planning, investment management, and retirement advisory services through a broad network of independent professionals. The firm supports multiple investment platforms and offers both proprietary and third-party strategies tailored to client objectives.

Emily Mangus is a financial advisor with Osaic Wealth, Inc. holding a Series 66 designation. She has prior experience at Morgan Stanley, Cadence Wealth Management Solutions, Odyssey Financial Advisors, and Reliant Credit Union. Outside of finance, she has worked in craft cider and meadery operations. Osaic Wealth serves a broad mix of retail and institutional clients through a large network of affiliated advisors and offers integrated brokerage, investment advisory, and financial planning services. The firm employs various asset-allocation tools and supports both discretionary and non-discretionary portfolio management across multiple investment product types.

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®-designated financial advisor with LPL Financial in Pittsford, NY, having 17 years of industry experience. He has been with LPL Financial since 2008. 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 range of advisory programs, financial planning, and consulting services, utilizing model portfolios, third-party research, and advanced technologies.

Ryan Miller is a CFP® professional based in Rochester, NY, with 10 years of industry experience. He currently works with LPL Financial and has previously held roles at OSAIC, Cadaret, Grant & Co., and Manning & Napier. Miller is also involved with Lawley, LLC, an insurance agency. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management strategies supported by proprietary research and third-party resources.

Michael Ferron is a financial advisor with Cambridge Investment Research Advisors and holds a Series 63 designation. He has 23 years of industry experience and has been associated with Cambridge Investment Research Advisors since 2011. Ferron is also president of Michael P. Ferron, CPA, P.C., providing tax preparation, accounting, estate planning, and small business consulting services, and serves as vice president of Ferron Norris Financial Inc. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension and profit-sharing plans, charitable organizations, trusts, and estates. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent financial professionals and employs multiple investment platforms and strategies tailored to client objectives.

Stephen Gaudino is a financial advisor with LPL Financial in Rochester, NY, holding a Series 63 designation and 12 years of industry experience. He has been with LPL Financial since 2018 and previously worked at Invest Financial Corporation. He operates The Gaudino Group and maintains a CPA practice, Stephen Gaudino CPA, CFP, which he has held since 2007. 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 wide range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios and research resources.

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 financial advisor at OSAIC with eight years of industry experience. She holds a Series 66 designation and has been associated with FourBridges Financial Group for ten years. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides a range of integrated brokerage and advisory services, utilizing various asset-allocation tools and third-party platforms to construct and manage portfolios.

Diana Chowdhury is a Series 66-registered financial advisor with Equitable Advisors in Rochester, NY, and has one year of industry experience. Her prior work includes roles at The Source Fine Jewelers, Insperity, ADP, and Paychex. Equitable Advisors serves a broad range of clients, including individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm utilizes LPL-sponsored programs and endorsed TAMPs, providing both advisory and brokerage solutions with a mix of discretionary and non-discretionary asset management.

William Johnson is a financial advisor with LPL Financial in Rochester, NY, holding a Series 66 designation and two years of industry experience. Prior to joining LPL Financial in 2025, he worked at Lincoln Financial and OSAIC. He has also held positions outside of finance, including roles at the Sands Constellation Heart Institute and the Webster Parks and Recreation Department. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options.

Nicholas Lennon is a CFP® professional with 13 years of industry experience, currently affiliated with RBC Capital Markets in Rochester, NY. He has worked at RBC Capital Markets since 2013 and previously at City National Bank beginning in 2019. Lennon serves on the Board of Directors for The Victor Chamber of Commerce, a local business organization focused on community and economic development. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers tailored investment advisory programs that integrate in-house and third-party managers, with access to capital markets and alternative investment opportunities.

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.

Myra Miller is a financial advisor with LPL Enterprise, holding Series 63 and Series 66 credentials and 18 years of industry experience. Her career includes roles at Prudential Insurance Company of America, Pruco Securities, Equitable Advisors, AXA Advisors, and Primerica. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients, offering financial planning, advisory services, and access to model portfolios and third-party asset management through an integrated platform that combines advisory programs with brokerage and insurance products.