Christopher Hobaica

HNP Capital LLC is a SEC-registered investment advisor and wealth management firm headquartered in Rochester, New York. The firm was founded by John Piccirilli, R. Christopher Hobaica, and Nicholas Norvell in 2009. They are wholly-owned by Financial Institutions, Inc. (NASDAQ: FISI). HNP Capital provides advisory services to individuals, high net-worth individuals, corporations, pension and profit-sharing plans.

Founded in 2011, HNP Capital Fund Management Group LLC is a registered investment advisor located in Pittsford, New York. The firm is an affiliate of HNP Capital LLC.

Forté Capital LLC is an independent registered investment advisory firm headquartered in Rochester, New York. The firm was founded by Daivd W. Henion in 1996. Forté Capital provides advisory services to high net-worth individuals, pension and profit-sharing plans, corporations, corporate pension & profit-sharing plans, endowments, Foundations, Trusts, estates and charitable institutions.

Schwab Charles & Co., Inc. engages in the provision of investment products and services to retirement and other benefit participants. It offers trading, banking, small business solutions, investment tools and research. The company was founded in 1971 and is headquartered in San Francisco, CA.

Check Capital Management, Inc. (CCM) is an independent, SEC-registered investment advisor and wealth management firm headquartered in Costa Mesa, California. The firm was founded by Steven G. Check in 1987 as Check & Associates Capital Management. CCM manages accounts for individuals, high-net-worth clients, retirement plans and corporate clients, among others. In addition, the firm serves as an investment manager to the Blue Chip Investor Fund.