Cobblestone Capital Advisors, LLC is a financial advisory firm based in Rochester, New York. It currently has approximately $2,203,818,380 of assets under management and employs about 41 people. Cobblestone Capital Advisors, LLC uses a fee structure of a percentage of assets under your management, fixed fees and performance-based fees.

Howe and Rusling, Inc. is a registered investment advisor founded in 1930, specializing in large-cap equity and intermediate fixed income investment management. The firm offers estate planning services and financial planning/consulting services covering various areas such as tax, retirement, and investments. Howe and Rusling may use outside asset managers and ETFs but mainly focuses on security selection. The firm has three primary equity strategies and conducts thorough analysis for fixed income investments. Clients can impose restrictions on certain investments, and Howe and Rusling does not participate in wrap fee programs. The firm had 2,305 discretionary accounts and 93 non-discretionary accounts as of December 31, 2022. Regarding fees, the minimum quarterly fee is $1,500 for equity and balanced accounts, $1,250 for fixed income-only accounts, and 0.20% for ETF-only accounts. Howe and Rusling may reduce fees under certain circumstances and offers financial planning services at no additional cost. The firm acts as a fiduciary and has investment discretion over client accounts. Howe and Rusling's proxy voting policies and procedures ensure that proxy votes are cast in the best interests of clients. Clients receive account statements directly from the custodian, and the firm maintains records of proxy voting and client requests for information on voted proxies. Howe and Rusling does not have any financial conditions impairing its ability to meet commitments to clients.

Forte Capital LLC is an independent investment advisor based in Rochester, NY, founded in 1996. The firm offers portfolio management services, including discretionary and non-discretionary investment management based on individual client needs. They also provide financial planning services and non-investment consulting. Forte Capital's investment strategies include large cap equity growth, equity income, value investments, fixed income, and asset allocation strategies. The firm has a fiduciary duty to act in the client's best interest and regularly reviews client portfolios. Forte Capital charges management fees based on a tiered schedule, ranging from 1.00% to 0.40% based on assets under management. The minimum account size for investment management services is $500,000. The firm does not charge performance-based fees and does not participate in cross trades. Clients have the option to delegate proxy voting rights to Forte Capital. The firm has no reportable disciplinary events and no financial commitments impairing its ability to meet client obligations. For further details, clients can contact the Chief Compliance Officer, Adil Masood.

Novem Group, an SEC-Registered Investment Adviser established in August 2011, is based in New York and led by Robert J. Bartolotta. The firm offers investment supervisory services tailored to individual client goals, risk tolerance, and time horizons. Services include portfolio management, risk assessment, and regular account monitoring. Novem Group also provides financial planning services covering investment, retirement, and tax planning. Fee structures include flat fees, hourly rates, or tiered fees based on account value. The firm may direct clients to third-party money managers and limits investments to various securities, including mutual funds and equities. Novem Group operates a wrap fee program, offering both wrap and non-wrap portfolio management. The firm's assets under management as of January 1, 2025, totaled over $1.4 billion. Fees are negotiable based on client needs, with quarterly payment options. Novem Group has discretionary authority over client accounts, selecting securities and executing transactions. The firm does not accept performance-based fees and discloses potential conflicts of interest related to compensation for securities sales. Clients receive regular account reports and have the option to terminate contracts with written notice. Novem Group does not have any disciplinary actions to report and maintains a Code of Ethics.

Whitney & Company, a registered investment adviser based in Rochester, NY, has been providing personalized investment advisory services since 1975. The firm offers discretionary portfolio management services tailored to meet clients' needs and investment objectives. Clients may have their assets managed using a predefined strategy or model portfolios developed by the firm. Whitney & Company primarily advises on equity securities, ETFs, mutual funds, corporate and government securities, and money market instruments. The firm charges an annual fee based on a percentage of assets under management, with fees billed quarterly in advance. Clients must grant discretionary authority for portfolio management, allowing the firm to make investment decisions without prior approval. Whitney & Company acts as a fiduciary when advising on retirement accounts, ensuring the best interests of clients. The firm's investment philosophy focuses on quality securities priced below their potential economic value. Investment strategies include charting analysis, technical analysis, fundamental analysis, and long-term purchases. Whitney & Company does not accept performance-based fees or engage in side-by-side management. The firm serves individuals, high net worth individuals, pension plans, and foundations/charities, typically requiring a minimum account size of $500,000. Clients receive regular account reviews and performance reports, with fees deducted directly from client accounts. Whitney & Company does not vote proxies on behalf of clients and does not participate in class action lawsuits on behalf of clients. The firm has no financial impairments that would affect meeting contractual commitments.

Sage, Rutty & Co., Inc. is a financial advisory firm based in Rochester, New York. It currently has approximately $752,509,455 of assets under management and employs about 25 people. Sage, Rutty & Co., Inc. uses a fee structure of a percentage of assets under your management, hourly charges and fixed fees.

Alera Retirement Advisors, LLC, an SEC registered investment adviser, has been in operation since January 18, 2011. The firm's investment advisory services focus on discretionary portfolio management tailored to individual client needs, primarily utilizing Independent Managers, mutual funds, and exchange traded funds. Alera Retirement Advisors may also provide non-discretionary services for specific investment products. Clients have the ability to impose reasonable restrictions on their accounts and can request limited consultation services. The firm's investment strategy involves fundamental analysis and a proprietary scoring system for evaluating investments. Alera Retirement Advisors generally charges an annual fee based on a percentage of assets under management, with a minimum portfolio size requirement of $1,000,000. The firm may also provide retirement plan advisory services under ERISA regulations. Alera Retirement Advisors exercises investment discretion on behalf of clients and may vote client securities proxies. The firm maintains custody of client assets through designated financial institutions and has a Code of Ethics in place to ensure compliance with securities laws. Alera Retirement Advisors may receive benefits from third parties, such as Charles Schwab & Co., Inc., for providing services. The firm does not provide services for performance-based fees and has no disciplinary disclosures.

Seneca Financial Advisors LLC is a financial advisory firm based in Rochester, New York. It currently has approximately $535,363,140 of assets under management and employs about 19 people. Seneca Financial Advisors LLC uses a fee structure of a percentage of assets under your management, hourly charges and fixed fees.

High Falls Advisors, Inc. is a registered investment adviser based in Rochester, NY, established in 2008. The firm specializes in portfolio management, offering services such as core market index portfolios, tax-aware portfolios, enhanced allocation strategy, Fidelity target allocation portfolios, retirement income management strategy, and financial planning services. High Falls Advisors has assets under management totaling $607,043,854 as of December 31, 2024, with a minimum account size of $100,000 for most services. The fee structure is based on a percentage of assets under management, ranging from 1.00% to 0.50%. The firm does not charge performance-based fees and acts as a fiduciary, putting clients' interests first. Clients have investment discretion, allowing High Falls Advisors to select securities based on clients' objectives. The firm's investment strategies include utilizing various analysis methods and managing risks associated with different asset types. The advisors at High Falls Advisors have various certifications, including CFP®, CPA, EA, PFS, CRPC®, and RICP®, ensuring expertise in financial planning and investment management. The firm's advisors have diverse backgrounds and experience in the financial industry, providing clients with a comprehensive range of services.