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.

Brittany Bieger is a CFP®-credentialed financial advisor with Morgan Stanley in Rochester, NY, bringing 13 years of industry experience. She has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm employs structured planning tools and investment modeling techniques while acting primarily in an advisory capacity.

Priscilla Hennig is a CFP® with nine years of industry experience, currently serving as a financial advisor at Ameriprise. Her prior experience includes roles at LPL Financial, CUNA Brokerage Services, CUNA Mutual Group, and Horace Mann Companies. She also holds a dual position as a financial advisor at the University of Illinois Credit Union. Ameriprise is a large institutional firm offering a retirement-income planning service targeted at individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations. The firm also offers a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Kaden Helmer is a financial advisor with Ameriprise in Victor, NY, holding a Series 66 designation and one year of industry experience. Prior to joining Ameriprise in 2022, he worked at Under Armour and has a background that includes roles at Duquesne University and Victor Junior/Senior High School. He also manages an advisory business under Creative Management Consultants, LLC. Ameriprise provides a retirement-income planning service primarily for individuals approaching or in retirement with significant investable assets, combining research-driven recommendations with tax-smart withdrawal strategies and algorithmic automation to support client planning.

Alyssa Cruz is a financial advisor at OSAIC Wealth with two years of industry experience. She holds Series 63 and Series 65 licenses and previously worked as an executive assistant at Financial Freedom Group. Outside of finance, Alyssa is active as a freelance content creator on Instagram and TikTok. OSAIC Wealth serves a diverse client base including retail and institutional investors and offers a multi-advisor platform with brokerage and advisory services. The firm’s investment approach focuses on model-based asset allocation and portfolio optimization, supported by various tools and third-party manager options.

Samantha Cotter is a financial advisor at Merrill with eight years of industry experience. She holds a Series 66 designation and has been with Merrill since 2016. 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 offers model-based and discretionary investment strategies and serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Francis Wacenske is a Series 66-credentialed financial advisor with 22 years of industry experience. He has been with UBS Financial Services Inc. since 2009. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor solutions to clients.

Christina Battista is a financial advisor at Merrill with seven years of industry experience. She has held roles at AVI FoodSystems, Faculty Student Association Centre Pointe, SUNY Fredonia, and Old Navy prior to joining Merrill in 2018. She holds a Series 66 designation and is based in Pittsford, NY. 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 plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

David Marulli is a Series 66-credentialed financial advisor with Morgan Stanley in Rochester, NY, and has 22 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2009, including over a decade at Morgan Stanley Private Bank, N.A. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning processes supported by firm-approved tools and market simulations.

Michael Booth is a Series 66-licensed financial advisor with Edward Jones in Rochester, NY, where he has worked since 2016. He has 14 years of industry experience. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs, managed solutions, and affiliated investment products. The firm operates under a fiduciary standard and maintains a large national network of advisors and branch offices.

Corey Burke is a financial advisor with Wells Fargo Advisors in Rochester, NY, holding a Series 66 designation and three years of industry experience. Prior to joining Wells Fargo Advisors in 2022, he worked in various roles including positions at the Hurricane Junior Golf Tour and several other organizations. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering investment and fee-based financial planning services that cover a broad range of areas such as retirement, education, and niche planning needs. The firm uses proprietary research and tools to develop customized recommendations delivered through meetings and detailed client summaries.

Edward Denning is a financial advisor at OSAIC with 28 years of industry experience. He holds the Series 63 designation and previously worked for Lincoln Financial Advisors Corp. for 22 years. In addition to his advisory role, he sells and services accident/health insurance, traditional life insurance, and fixed annuities. OSAIC Wealth serves a diverse client base including retail and institutional investors, offering a range of brokerage and advisory services through a multi-advisor platform. The firm’s investment approach emphasizes model-based asset allocation and portfolio optimization supported by various analytical tools and allows for discretionary and advisor-managed strategies.

Dylan Joy is a financial advisor at Ameriprise with Series 66 credentials and five years of industry experience. Prior to joining Ameriprise in 2020, he held positions at Dick's Sporting Goods, National General Insurance, and Canisius College. Outside of his advisory role, Joy contributes as an assistant coach for a local high school lacrosse team. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, known for its specialized Premier Retirement Income service that provides annual retirement-income planning advice through a centralized team collaborating with advisors. The firm’s approach includes detailed recommendation reports focusing on income sources, tax-aware withdrawal strategies, and Social Security options within a defined investment framework.

Sandra Kobel is a financial advisor with LPL Financial, holding the CFP® and ChFC® designations and possessing 40 years of industry experience. Her prior roles include positions at NEXT Financial Group, Wall Street Financial Group, Inc., and 1st Global Advisors Inc. She is also involved in Kobel Consulting, which focuses on non-variable insurance. 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, including financial planning, model portfolio programs, and institutional platforms, supported by proprietary research and a broad network of over 22,800 advisors.