Nicholas Dirienzo is a CFA® charterholder and a financial advisor with five years of industry experience. He is currently the sole advisor at Finish Line Wealth Management, LLC and previously worked at Nottingham Advisors, Manulife Asset Management, State Street, and Putnam Investments. Finish Line Wealth Management is an independent advisory firm serving primarily individuals, high-net-worth clients, and pension plans. The firm offers portfolio management and financial planning services using a core/satellite investment approach with ETFs and risk-based strategies, combining fundamental analysis, modern portfolio theory, and quantitative techniques.

Cutler Greene is the sole advisor at Spaulding Greene Wealth Management, LLC in Buffalo, NY, holding Series 63 and Series 65 licenses with four years of industry experience. He has been with Spaulding Greene Wealth Management since 2007. Outside of advisory services, he is a member of two LLCs that own small rental properties, which are unrelated to his investment work. Spaulding Greene Wealth Management provides discretionary investment management to a small client base of individual investors, trusts, and estates, focusing on conservative, tax-aware portfolio management using individual equities, mutual funds, and ETFs. The firm operates as a single-advisor practice with tailored portfolios and a preference for low turnover.

Matthew Makowski is a financial advisor at Ibis Capital Management, LLC with 11 years at the firm and 14 years of industry experience. He holds a Series 65 designation and is also an attorney, managing his own law firm, Matthew J. Makowski, PLLC, where he practices law part-time. Ibis Capital Management primarily serves individual and trust clients, as well as some pension and profit-sharing plan accounts, offering discretionary portfolio management and financial planning. The firm uses fundamental research with some quantitative inputs to tailor investment strategies based on client risk tolerance, diversification, income needs, and age.

I'm a retirement focused advisor with over 12 years of experience. I specialize in tax-efficient retirement planning and investment management for those that are retired or within a few years of retiring, all for a flat annual fee. I launched Free Time Financial in March 2025 after spending 10 years working for a Registered Investment Advisor firm who provided tax-efficient retirement planning, but charged for the service based on how large your investment accounts were. That model never made sense to me, and I finally left to build a firm on my own terms, where I could take wonderful care of a smaller number of families and charge them based on the complexity of the service and not on how wealthy they are.

Connor Rosenecker is a CFP® professional with five years of industry experience, currently serving as the sole advisor at Covenant Wealth. His prior roles include positions at Hightower Advisors, Linwood Investment Advisors, M&T Bank, and Citigroup. Outside of his advisory work, he contributes as a cantor for the Diocese of Buffalo. Covenant Wealth serves individuals, including high-net-worth clients, pension and profit-sharing plans, charitable organizations, and other institutional clients. The firm provides both discretionary and non-discretionary portfolio management alongside financial planning and investment consulting, typically constructing diversified portfolios internally with a range of investment instruments.

James Primiano is a financial advisor at LPL Financial with 24 years of industry experience. He holds Series 63, 65, and 66 licenses and has worked at Clear View Wealth Advisors LLC since 2018. Prior to that, he operated Primiano Financial and was affiliated with Next Financial Group Inc. LPL Financial provides advisory and brokerage services to a diverse client base including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers a variety of delivery options such as financial planning, model-portfolio advisory programs, and third-party asset management, supported by an in-house research team and a broad network of investment adviser representatives.

Welcome! I’m Brett, and I’m glad you’re here. I’m a proud born-and-raised Buffalonian passionate about helping others make the most of their money and their lives as they navigate the transition into retirement. In 2019, I founded Eudaimonia Wealth, a fee-only financial planning firm in Buffalo, NY, dedicated to helping local families retire on their terms by providing independent, objective advice. At Eudaimonia Wealth, we know we can’t be all things to all people, and we don’t pretend to be. We specialize in helping people at or near retirement who need help putting the pieces together. We partner with families to help them generate income from their savings, optimize their investments, and create a tax-efficient distribution plan that supports their needs. Eudaimonia (pronounced you-day-mo-nia) is a term from Greek philosophy that describes an ultimate state achievable by living a life of meaning, purpose, and fulfillment. It was considered a state of “peak performance in the art of living,” and it represents, at its core, what I believe real financial planning is all about.

Michael Brady is a financial advisor at Clarity Advisors with 12 years of industry experience. He holds a Series 63 designation and has worked at multiple firms including Pfs Investments Inc. and Maus Software LLC. Outside of advising, he is involved in insurance sales as a sole proprietor and works as an account executive for an estate planning software company. Clarity Advisors serves individual investors and business clients, offering financial planning, discretionary portfolio management, retirement plan consulting, business advisory and valuation services, and access to tax and digital estate-planning providers. The firm emphasizes a long-term, passive asset-allocation strategy and provides retirement-plan consulting and educational seminars with a particular focus on plan sponsors and business owners.

Taunya Abaya is a CFP® and Series 65-licensed advisor with five years of industry experience. She previously worked at Buffalo First Wealth Management before founding Abaya Wealth Management LLC, an independent firm based in Buffalo, NY. Abaya Wealth Management provides discretionary portfolio management and financial planning to individuals, high-net-worth clients, pension and profit-sharing plans, and foundations. The firm employs a blended investment methodology incorporating fundamental, technical, and quantitative analysis, and offers pension consulting services that include both asset management and hourly options.

Mark Kostrzewski is the sole advisor at Kostrzewski, Mark Benedict, holding the ChFC® and Series 63 designations with 30 years of industry experience. He has operated his own advisory practice since 1980. Outside of financial advising, he serves as a managing partner and general partner in oil and natural gas production ventures based in Buffalo, NY. The firm provides advisory referral services primarily to individual clients, including high-net-worth individuals, by referring them to an unaffiliated SEC-registered investment adviser for portfolio management. Kostrzewski evaluates client circumstances to determine the suitability of the referral but does not directly manage client assets or make independent investment recommendations.

Willard Saperston is a financial advisor at Saperston Legacy Advisors, Inc. with 48 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with several related firms, including his own family-named entities dating back to 1981. Saperston Legacy Advisors provides investment supervisory services and individual portfolio management to retail and high-net-worth individuals, pension plans, charitable organizations, and corporate clients. The firm emphasizes technical and momentum-based analysis alongside fundamental review, offering discretionary and non-discretionary management through proprietary asset-allocation programs and consulting services.

Bruce Carrow is a CFP® and ChFC® with 39 years of industry experience, currently serving at Capital Insights Group of WNY, LLC since 2021. He previously worked at M&T Securities and M&T Bank from 2002 to 2020. Outside of his advisory role, Carrow works as an independent contractor providing business exit advisory services for Value Cap Inc. Capital Insights Group of WNY, LLC is a fee-only, SEC-registered firm offering fiduciary financial planning and investment management to individuals, families, small businesses, trusts, estates, and charitable organizations. The firm employs a combination of fundamental, qualitative, and quantitative analysis and uses both passive and active strategies across diversified portfolios, emphasizing flexible planning engagements and educational client services.

Jennifer Roberts is a financial advisor at Winthrop Partners – WNY, LLC with 7 years at the firm and a total of 14 years in the industry. She holds the ChFC® designation and Series 63 license. Her prior experience includes roles at Elleverage and Winthrop Financial. Winthrop Partners – WNY, LLC provides investment advisory, financial planning, and subscription-style planning services to individuals, high-net-worth clients, trusts, estates, charitable organizations, retirement plans, and business entities. The firm offers discretionary and non-discretionary portfolio management with a top-down/bottom-up investment approach, incorporating tax-aware fixed-income ladders and a legacy-portfolio program.

Stephen Harts is an advisor at Collins Advisors, LLC in Buffalo, NY, holding Series 63 and Series 65 designations with over 15 years of industry experience. His prior work includes six years at Winthrop Financial and nine years at Collins Advisors before the firm’s current iteration. Collins Advisors provides investment advisory and retirement plan consulting services to individuals, trusts, pension and profit-sharing plans, and business entities. The firm employs a multi-method investment approach and manages approximately $176 million for about 525 clients through a small team.

Aidan Cloherty is a Series 65-licensed financial advisor at Farrell Financial with one year of experience. His work history includes roles in education and hospitality sectors, such as positions at the University of Vermont and Buffalo Boat Tours. Farrell Financial provides fee-based investment advisory and comprehensive financial planning services to individuals, trusts, estates, charitable organizations, and businesses. The firm employs a tactical allocation strategy grounded in fundamental analysis and manages portfolios on a discretionary basis for both high-net-worth and non-high-net-worth clients.

I founded Capital Insights Group of WNY, an independent Registered Investment Advisory (RIA) firm offering fee-only financial planning and investment management, located in downtown Buffalo, NY. I act as a fiduciary for all of my clients and provide financial guidance that is unique to their needs and situation. Please contact me at [email protected] or (716) 517-0140 to arrange for a complimentary one-hour meeting to discuss your goals and circumstances.

Thomas Saunders Jr. is a financial advisor at Winthrop Partners – WNY, LLC with 11 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Locust Capital Management and LPL Financial. Winthrop Partners – WNY, LLC provides investment advisory and financial planning services to individuals, high-net-worth clients, trusts, estates, charitable organizations, retirement plans, and business entities. The firm uses a disciplined investment process that combines individual equities, fixed income, ETFs, and mutual funds with a top-down/bottom-up selection approach, offering both discretionary and non-discretionary portfolio management along with ongoing financial planning.

Christine Collins Schwinger is a financial advisor at Collins Advisors, LLC in Buffalo, NY, holding a Series 65 designation with four years of industry experience. She has been with Collins Advisors since 2005. Collins Advisors provides investment advisory and retirement plan consulting services to individuals, trusts, pension and profit-sharing plans, and business entities. The firm employs a multi-method investment process and manages portfolios using a diverse range of instruments, serving approximately 525 clients with a small team of two advisors.

David Braunstein is a financial advisor at Saperston Legacy Advisors, Inc. with 49 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms, including Brighton Securities and Saperston Asset Management, prior to his current role. Saperston Legacy Advisors provides investment supervisory services and individual portfolio management to retail and high-net-worth clients, as well as pension plans, charitable organizations, and corporate clients. The firm employs a technical and momentum-based investment process alongside fundamental analysis and offers both discretionary and non-discretionary management through proprietary asset-allocation programs.

Neil Farrell is a financial advisor at Farrell Financial with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Arbor Point Advisors and Securities America Inc. from 2014 to 2022. Farrell Financial offers fee-based investment advisory services and comprehensive financial planning to individuals, trusts, estates, charitable organizations, and business entities. The firm employs a tactical allocation strategy based on fundamental analysis, managing portfolios on a discretionary basis and serving both non-high-net-worth and high-net-worth clients.