Michael Perrone is a financial advisor at Wells Fargo Clearing with 14 years of industry experience. He holds the Series 66 designation and previously worked for Stifel Nicolaus & Co. Inc. from 2015 to 2023. Perrone serves on the Board of Trustees for Nazareth University, where he participates in financial oversight and strategic planning. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s approach is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Kyle Smith is a Series 66-registered financial advisor with one year of experience, currently affiliated with Cetera in Pittsford, NY. He has a background that includes roles at Canandaigua National Bank and Trust and Cetera Investment Services LLC. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individual investors, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a large network of independent advisors, utilizing both affiliated and unaffiliated third-party managers across multiple program structures.

Edward Lipski is a CFP® certificant with 26 years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing since 2016. He previously worked at RBC Capital Markets from 2005 to 2007. Outside of his advisory role, he serves on the finance committee of Habitat for Humanity in Rochester, NY, where he monitors and reviews financials. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to a broad client base including individuals, corporations, and institutions. The firm uses research and analytics to guide investment decisions and offers both brokerage and advisory solutions.

Thomas Borrelli is a financial advisor at LPL Financial with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at LPL Financial since 2022, preceded by eight years at Key Investment Services, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, with advisory services delivered primarily through a large network of investment adviser representatives.

Laurie Zastawrny is a financial advisor with Raymond James & Associates, holding Series 63 and Series 66 designations and bringing 16 years of industry experience. Prior to joining Raymond James in 2022, she worked for Merrill for 11 years. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, and offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

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.

Jacqueline Scheible is a financial advisor with Merrill in Fairport, NY, holding a Series 66 designation and 13 years of industry experience. Her career includes roles at Merrill from 2013 to 2015 and again from 2017 to the present, as well as at AXA Advisors, LLC from 2015 to 2017, and Bank of America, N.A. since 2017. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

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 at OSAIC with five years of industry experience. She holds a Series 66 designation and previously worked at Securities America Advisors and Northwest Bank. Outside of her advisory role, she performs compliance and supervision duties as a supervision analyst for Evolution Financial Advisors. OSAIC Wealth serves a broad mix of retail and institutional clients, offering brokerage and advisory services across several programs including comprehensive financial planning and retirement plan consulting. The firm’s investment process centers on model-based asset allocation and portfolio optimization, supported by various tools and a multi-advisor platform.

Thomas Sime is a financial advisor at Morgan Stanley with 43 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Morgan Stanley since 2017, with prior roles at Wells Fargo Clearing and RBC Capital Markets. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning that incorporates firm-approved tools and modeling techniques.

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 at firms including Manning & Napier and Royal Alliance Associates. Since 2020, she has also operated a sole proprietorship as a financial consultant. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, comprehensive financial planning, and retirement plan consulting. The firm emphasizes model-based asset allocation and portfolio optimization, providing advisors with a range of discretionary and third-party managed strategies.

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 the CFP®, ChFC®, and Series 66 designations. He has 25 years of industry experience and has worked at firms including ESL Investment Services, LLC, Key Investment Services LLC, and HSBC Securities (USA) Inc. Outside of his advisory role, he provides non-variable insurance services such as life, disability, and long-term care insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management access, and institutional platforms.

Melinda Lenzi is a CFP®-certified financial advisor with LPL Financial in Rochester, NY, bringing 20 years of industry experience. She has been with LPL Financial and its affiliated ESL Investment Services since 2010 and previously worked at M&T Securities, Inc. from 2007 to 2010. 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 range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset management, supported by extensive non-advisory financial activities and a large network of advisors.

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.