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 at Equitable Advisors in Rochester, NY, holding Series 63 and Series 66 licenses with three years of industry experience. His prior work includes roles at Rochester Regional Health, Brockport University, Wegmans, and McDonald's. He is currently associated with both Equitable Advisors and Wegmans. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides financial planning, retirement plan consulting, and asset management through a network of Investment Adviser Representatives, utilizing a combination of firm programs and third-party managers to deliver customized investment solutions.

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 at J.P. Morgan Securities with 11 years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities since 2022, previously working at Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, N.A., and LPL Financial. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm offers non-discretionary asset allocation advice, investment manager research, and customized performance reporting supported by a centralized manager solutions team using both quantitative and qualitative analysis.

Elizabeth Carter is a financial advisor at OSAIC with 13 years of industry experience. She holds a Series 66 designation and has worked previously at Securities America Advisors, Inc. and Wall Street Financial Group, Inc. She serves as a Senior Supervision Analyst and holds a New York State insurance license, which she uses to review variable transactions in her role. OSAIC Wealth serves a diverse range of retail and institutional clients, offering brokerage and advisory services across multiple programs, including comprehensive financial planning and retirement plan consulting. The firm employs a model-based investment process focused on asset allocation and portfolio optimization, supporting discretionary and advisor-managed strategies.

Danielle Intini is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. She has worked with various divisions of J.P. Morgan Chase since 2012. J.P. Morgan Securities provides institutional consulting services primarily to plan sponsors, corporations, and endowments, offering written asset allocation advice, investment manager searches, and customized performance reporting while clients retain final decision-making authority. Their advisory process combines quantitative and qualitative research, incorporating ESG criteria and leveraging broader derivatives and commodities capabilities.

Susan L Mc Bride is a financial advisor with UBS Financial Services in Rochester, NY, holding a Series 63 designation and 22 years of industry experience. She has been with UBS since 2011 and also worked briefly at Morgan Stanley. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings. The firm uses proprietary research and model-based strategies to tailor financial plans aligned with clients’ goals and risk tolerances.

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 at Morgan Stanley with seven years of industry experience. He holds Series 65 and Series 66 licenses and previously worked at Cetera and Canandaigua National Bank and Trust. He is based in Rochester, NY. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools, including Monte Carlo simulations, as part of its advisory process.

Drew Beckeman is a Wealth Management Advisor at Merrill Lynch Wealth Management. He began his career with Merrill Lynch in the fall of 2019 and is a member of The Hines Group, which has served clients nationwide for over 30 years. Drew holds the CERTIFIED FINANCIAL PLANNER™ professional designation and the Personal Investment Advisor (PIA) designation. He earned a Bachelor's Degree from the University of Michigan. With a focus on financial planning and developing lasting relationships, Drew helps clients articulate their short- and long-term goals and recommends financial strategies aligned with their objectives. His areas of expertise include executive compensation, family wealth management strategies, personal retirement planning, sports and entertainment, tax minimization, and retirement income. Drew's commitment is to work one-on-one with clients to develop personalized financial strategies that support their and their families' long-term goals. Originally from West Michigan, Drew resides in Farmington, NY with his wife and two sons. He is an avid runner and outdoor enthusiast and participates in endurance sports. Drew is involved in his local community through organizations such as Rotary International, Rochester Area Triathletes, and The Spot.

Ryan Miller is a financial advisor with OSAIC, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. His prior roles include positions at Cetera and Foresters Financial. Outside of his advisory work, he serves as a board director and lacrosse coach for the Fellowship of Christian Athletes, a charitable organization. OSAIC Wealth serves a diverse client base including retail and institutional investors, offering brokerage and advisory services with a model-based investment approach that incorporates portfolio optimization and risk management tools. The firm supports various account types and investment strategies through an extensive multi-advisor platform.

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 credentials and bringing 19 years of industry experience. He has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2010. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research to build model asset allocations, with implementation support from affiliated entities.

Heather Barniak is a financial advisor with Equitable Advisors in Rochester, NY, holding the Series 66 designation and bringing 13 years of industry experience. She has worked with Equitable Advisors since 2012, including during its period as Axa Advisors, LLC. Equitable Advisors serves a diverse client base, including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset-management programs delivered through Investment Adviser Representatives and third-party asset managers.

Koen Goorman is a financial advisor with Equitable Advisors in Rochester, NY, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Equitable Advisors and its predecessor, AXA Advisors, LLC, since 1999. He serves as a board member of the Finance Council at the Church of the Transfiguration in Pittsford, NY. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm utilizes a range of advisory programs and third-party asset managers, offering diversified investment options and ERISA fiduciary services.

Joseph Altobelli is a CFP® professional with 27 years of industry experience, currently with OSAIC since 2024. His prior roles include eight years at Securities America Advisors, Inc., and Wall Street Financial Group, Inc., among others. He is also involved in insurance sales, offering products such as life, disability, health, long-term care, supplemental insurance, and annuities. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm provides brokerage and advisory services using a model-based investment approach that incorporates asset allocation, portfolio optimization, and multiple managed account strategies across a complex, multi-affiliate platform.

James Wehrle is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 25 years of industry experience. He has worked with 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, and participates in managing an indoor turf facility through Genrich Athletic Group, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, utilizing various portfolio management approaches supported by research and technology across a large network of investment adviser representatives.

Francis Wershing Jr. is a CFP® with 38 years of experience in the financial industry. He has been with Cambridge Investment Research Advisors since 2011 and has also served at Greece Central School since 1989. Outside of his advisory role, he is involved in nonprofit governance as chairman of the centennial committee for the Hochstein School of Music and Dance and is an author. Cambridge Investment Research Advisors serves a diverse client base including individuals and institutional clients such as pension and charitable organizations. The firm offers financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a large network of financial professionals and multiple platform options.

Emily Mangus is a financial advisor at OSAIC with one year of industry experience. She holds a Series 66 designation and has previously worked at Morgan Stanley, Cadence Wealth Management Solutions, Odyssey Financial Advisors, and Reliant Credit Union. Outside of finance, she has experience in the craft beverage industry with Embark Craft Ciderworks and Martin's Honey Farm and Meadery. OSAIC serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and portfolio management. The firm emphasizes model-based asset allocation and portfolio optimization, supporting discretionary strategies and third-party managers.

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.