William Seybold is a CFP® professional with 30 years of industry experience, currently serving at Cambridge Investment Research Advisors since 2020. His prior experience includes roles at SSN Advisory Inc, Securities Service Network, and Voya Financial Partners. In addition to his advisory work, he operates as an independent insurance agent for various companies. Cambridge Investment Research Advisors serves a diverse client base that includes individual and institutional investors such as pension and charitable organizations. The firm offers financial planning, ongoing investment management, retirement-plan advisory, and wrap-fee programs through a large network of financial professionals and manages a multi-billion dollar asset base across multiple platforms and custodians.

Kyle Hulse is a financial advisor at Merrill with six years of industry experience. He holds the Series 66 designation and has worked at Bank of America and Merrill since 2018. Outside of his advisory role, he is involved as a consultant with Pyzon Group and is the owner and publisher of Lion and Ox Publication, which creates and publishes print-on-demand books. 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 a range of individual and institutional clients.

Shawn Richards is a financial advisor at Osaic with 21 years of industry experience. He holds a Series 66 designation and previously worked at American Portfolios Financial Services, Inc. and Equitable Advisors. In addition to his advisory role, Richards is an independent insurance agent specializing in life, disability, and long-term care insurance, and has ownership interest in a website focused on retirement planning for teachers. Osaic Wealth serves a wide range of retail and institutional clients, offering brokerage and advisory services including comprehensive financial planning, advisor-managed portfolios, and retirement plan consulting. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, supported by various tools and third-party manager programs.

Kevin Shiltz is a financial advisor with Equitable Advisors in Rochester, NY, holding a Series 66 designation and 19 years of industry experience. He has been with Equitable Advisors since 2007, including during its prior association as Axa Advisors, LLC. Outside of his advisory role, Shiltz serves as executor and power of attorney for his wife. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension plans, corporations, and nonprofits. The firm utilizes a variety of advisory programs and third-party asset managers to tailor solutions based on client risk profiles and goals.

Keara Hartson is a financial advisor with Equitable Advisors in Rochester, NY, holding a Series 66 designation and one year of industry experience. Her prior roles include work with the New York State Department of Transportation and contract journalism. Equitable Advisors serves a range of clients including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management programs. The firm uses a variety of advisory models delivered through its network of Investment Adviser Representatives, offering access to mutual funds, ETFs, separately managed accounts, and select alternative investments.

Jacob Yankloski is a financial advisor at Equitable Advisors in Rochester, NY, holding Series 66 and Series 63 licenses with two years of industry experience. His prior work includes roles at Rochester Network Supply and Tagex Brands. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients by providing financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives. The firm utilizes client information and risk assessment to match clients with program models or discretionary managers, offering a range of investment solutions including mutual funds, ETFs, and select alternative investments.

Michelle Direnzo is a financial advisor with Equitable Advisors, holding the Series 66 designation and bringing 15 years of industry experience. She has worked at Equitable Advisors since 2011, including time with its predecessor, Axa Advisors, LLC. Outside of her advisory role, she serves as power of attorney and executor for her husband's financial and estate matters. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management programs to individuals, pension and profit-sharing plans, corporations, charities, and institutional clients. The firm utilizes a variety of advisory models and third-party asset managers to tailor solutions across mutual funds, ETFs, separately managed accounts, and select alternative investments.

Stephen Ashe is a financial advisor with Equitable Advisors, holding a Series 66 designation and 25 years of industry experience. He has been with Equitable Advisors since 2001, including its predecessor Axa Advisors. Outside of his advisory work, Ashe is involved as a member or partner in several non-investment business entities. Equitable Advisors serves individual and institutional clients, providing financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives. The firm utilizes third-party asset managers and advisory programs and offers a range of investment solutions including mutual funds, ETFs, separately managed accounts, and select alternative investments.

John Kramer is a Series 66-licensed financial advisor with 26 years of industry experience. He has worked at LPL Financial since 2019 and previously spent 14 years at Ameriprise Financial Services. Kramer is based in Pittsford, NY. 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 broad range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Normand Fluet Jr. is a financial advisor with Ameriprise in LeRoy, NY, holding Series 63 and Series 66 credentials and 19 years of industry experience. He has been with Ameriprise and its affiliated entities since 2010. Outside of his advisory role, he is employed at Stormtack LLC, a business related to income management. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement income planning, combining proprietary research and third-party data to provide comprehensive, tax-aware withdrawal strategies.

Daniel Aspenleiter is a CFP® with 29 years of industry experience. He is currently with OSAIC and has previously worked at American Portfolios Advisors, Inc., Cadaret, Grant & Co., Inc., LPL Financial, and OBS Financial. In addition to his advisory role, he is involved in insurance sales through Finger Lakes Investment Corp and ITrust Advisors. Osaic Wealth serves a diverse client base, including retail and institutional investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services, utilizing model-based asset allocation and portfolio optimization, and supports multiple investment programs through a complex affiliate network.

Alexander Tarkowski is a financial advisor with Equitable Advisors in Rochester, NY, holding a Series 66 designation and three years of industry experience. His prior roles include positions at the University of Tulsa Office of Compliance and Legal Aid Services of Oklahoma. He is employed as an RSA for Thomas Tarkowski at Mapstone Veritas. Equitable Advisors serves a range of clients including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives and third-party managers.

Patrick Wolff is a financial advisor with J.P. Morgan Securities in Rochester, NY, holding Series 63 and Series 66 licenses and having four years of industry experience. He previously worked at Citizens Bank for seven years before joining J.P. Morgan Securities and JPMorgan Chase Bank in 2022. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering non-discretionary asset allocation advice, investment manager and fund searches, and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research.

Jared Greagan is a financial advisor with J.P. Morgan Securities in Rochester, NY, holding Series 63 and Series 66 credentials and eight years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2018, and previously was with Eastern Managed Print Network from 2016 to 2018. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process incorporates centralized due diligence with quantitative and qualitative research, and may include ESG considerations in its recommendations.

Kaelah Granger is a CFP® professional with five years of industry experience, currently with Cetera. She has been affiliated with Cetera and Cetera ADVISORS LLC since 2021. Prior to her financial advisory roles, she worked at the University of Rochester from 2016 to 2024. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, retirement, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and planning services with a multi-manager platform, managing over $256 billion in assets across more than 10,000 advisors.

Louis Bouchard III is a Series 63 licensed financial advisor with 40 years of industry experience, currently with Wells Fargo Advisors since 2010. He owns Bouchard Financial Group and serves as co-trustee for his mother’s trust and executor for his father’s estate. 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 special-needs planning, utilizing Wells Fargo research and tools to develop tailored client recommendations.

Jonathan Schooley is a financial advisor with Equitable Advisors in Rochester, NY, holding a Series 66 designation and one year of industry experience. His prior work includes roles at S.B. Fiber Direct and C&S Sealing and Management. Outside of financial advising, he works as a sales consultant for SB Fiber Direct. Equitable Advisors serves a diverse client base including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives and third-party managers.

Pina Formicola is a financial advisor with LPL Financial who holds Series 63 and Series 65 licenses and has 36 years of industry experience. Her prior roles include positions at Independent Solutions Wealth Management, Peak Brokerage Services, OSAIC, Sagepoint Financial, Sage, Rutty & Co., Ensemble Financial Services, and an earlier tenure at LPL Financial. She is also involved as an investment advisor and registered representative with other entities, and works as an insurance agent providing income and insurance solutions. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of financial planning and investment management options, including model portfolios and institutional platforms, supported by advisor-focused technology.

Daniel Barrow is a financial advisor with Equitable Advisors in Rochester, NY, holding Series 63 and Series 66 licenses and having five years of industry experience. He has been with Equitable Advisors since 2020. Outside of his advisory role, he is a co-owner of 999 Challenge, LLC, a non-investment business. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients by offering financial planning, retirement plan consulting, and asset-management programs. The firm utilizes a network of Investment Adviser Representatives and third-party asset managers, focusing on personalized client information and risk assessment to match appropriate investment models.

Matthew Keenan is a Series 66-registered financial advisor with Equitable Advisors in Rochester, NY, where he has worked since 2006. He has 20 years of industry experience, including 14 years with Axa Advisors, LLC. Outside of his advisory role, he is involved in consulting and life settlements through the Ashar Group. Equitable Advisors serves a broad client base, including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management programs. The firm utilizes a range of advisory models delivered through a network of Investment Adviser Representatives and third-party sponsors, offering diversified investment options and ERISA fiduciary services.