Brad Arnone is a financial advisor with Cetera, holding a Series 63 designation and bringing 11 years of industry experience. He has been affiliated with Cetera since 2015 and also operates Crane Capital Group. Outside of his advisory roles, Arnone serves as a board member of the Centro Culturale Italiano di Buffalo, participating in fundraising and community activities. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a multi-manager platform with a range of portfolio management and consulting services, including access to third-party managers and various investment program structures.

Lisy Pena is a financial advisor with Morgan Stanley Wealth Management in Orchard Park, NY, holding a Series 66 credential and 12 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2014. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and analysis. The firm manages approximately $2.74 trillion in client assets and offers services under both direct and corporate financial planning agreements.

Brian Burkhardt is a CFP®-certified financial advisor with 19 years of industry experience. He is currently with Ameriprise Financial Services, where he has worked since 2020. Prior to that, he spent nine years at Bank of America and Merrill. Outside of advising, he has real estate ownership in Buffalo, NY. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients, offering specialized retirement income planning that includes written recommendations and ongoing guidance focused on income sources and tax-aware withdrawal strategies.

Justin Badura is a financial advisor with LPL Financial in West Seneca, NY, holding Series 63 and Series 66 credentials and 15 years of industry experience. Prior to joining LPL Financial in 2021, he spent ten years with Medaille College and M&T Securities, INC. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of investment options including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by extensive advisor tools and services.

Samuel Cappiello is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in employee benefits planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, tax minimization, and retirement income. Samuel works to help clients pursue their financial goals through personalized wealth management strategies that adapt to changing market conditions. He holds the designation of Personal Investment Advisor (PIA) and has earned an Associate's Degree/College Diploma from ECC. Samuel leads The Cappiello Group, which has been serving the Western New York area for over 30 years. The group operates with a team structure where each member focuses on a specific portion of the portfolio and planning process, creating tailored and customized portfolios for individual clients. Samuel is committed to community involvement, following the Merrill tradition of participating in the communities served. He volunteers with organizations in the Western New York community.

Justin Sheffield is a financial advisor affiliated with LPL Financial in Lackawanna, NY, holding Series 66 and Series 63 designations with five years of industry experience. His work history includes roles at Northwest Bank and prior experience with the IRS and Price Rite. 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 portfolio programs, third-party asset management, and institutional platforms, supported by technology tools for operational and research purposes.

Jeremy Evens is a financial advisor at Cetera with 13 years of industry experience. He holds a Series 66 designation and has worked at firms including Northwestern Mutual Wealth Management Company and Citizens Bank. Outside of his advisory role, he is involved with Tragically Grateful, LLC. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services using a multi-manager platform with access to both affiliated and third-party managers.

Joseph Loschiavo Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and 21 years of industry experience. Before joining LPL Financial in 2021, he worked at M&T Securities from 2012 to 2021. 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 and access to various portfolio programs, and supports its advisors with research and operational tools.

Charlene Morrow is a financial advisor at OSAIC with 33 years of industry experience. She holds the ChFC® designation as well as Series 63 and Series 65 licenses. Her prior experience includes 17 years at American Portfolios and running Morrow Financial Services, a sole proprietorship through which she sells fixed annuities and various insurance products. OSAIC serves a broad mix of retail and institutional clients with a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and advisor-managed portfolios. The firm’s investment approach emphasizes model-based asset allocation and portfolio optimization supported by risk assessment tools.

James Rehak is a financial advisor with LPL Financial in Buffalo, NY, holding Series 63 and Series 66 credentials and five years of industry experience. His prior experience includes roles at Lawley Retirement Advisors, Royal Alliance Associates/Osaic Wealth, Putnam Investments, and UBS Financial Services. Rehak is also involved with Georgetown Lawley Group, a DBA connected to his work with LPL Financial. 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, model portfolios, third-party asset management, and institutional platforms, supported by research and technology tools.

Kevin Kluge is a financial advisor at Edward Jones with 23 years of industry experience. He holds the Series 63 and Series 66 designations. His previous roles include positions at Key Investment Services, Pruco Securities LLC, Prudential Insurance Company of America, Mass Mutual, and Home Depot. Edward Jones is a full-service wealth management firm serving over four million clients, including individual and institutional investors. The firm offers a range of advisory programs and investment strategies, managing approximately $1.01 trillion in assets through a nationwide network of more than 23,700 financial advisors.

Christopher Reimer is a financial advisor at UBS Financial Services in Buffalo, NY, holding a Series 66 designation. He has been with UBS since 2025 and previously worked at Continuum Venture Partners and held research roles at the University at Buffalo. Outside of advisory work, he has experience in computational research and extended travel. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings to tailor strategies based on proprietary research and market analysis.

Michael Ferranti serves as a Senior Financial Advisor at Merrill Lynch Wealth Management in Buffalo. He specializes in providing tailored investment advice and guidance to individuals and small businesses, leveraging Merrill's extensive resources and tools to address client needs. His main focus areas include liquidity management, retirement planning, philanthropic planning, portfolio management services, and socially responsible investing among others. Michael is a specially qualified Portfolio Manager within Merrill's asset management platform, managing personalized or defined strategies on a discretionary basis. He also holds the Certified Plan Fiduciary Advisor (CPFA®) designation granted by the National Association of Plan Advisors. Prior to joining Merrill Lynch Wealth Management, he worked as a consumer lender at Wells Fargo. Michael holds a Bachelor's degree from Canisius University. A native Buffalonian, Michael resides in the Elmwood Village area with his wife and children. He is actively involved in the community through volunteer work with organizations such as the Buffalo Equestrian Center and Buffalo Therapeutic Riding Center. In his personal time, Michael enjoys golfing and following local sports teams including the Sabres and Bills.

Ian Deluke is a CFP® professional with 16 years of industry experience. He is currently affiliated with Morgan Stanley in Buffalo, NY, having previously worked at UBS Financial Services from 2012 to 2023. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and methodologies such as Secular Return Estimates and Monte Carlo simulations.

James Cappiello is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been with Merrill since 1988, beginning his career immediately after earning his bachelor's degree from Canisius College. Over his 35 years in the investment field, James has gained extensive experience navigating market cycles and providing investment guidance. His areas of expertise include family wealth management strategies, liquidity management, personal retirement planning, portfolio management services, individual and corporate investment strategy, and retirement income. As a Personal Investment Advisor (PIA), James focuses on connecting all aspects of a client's financial life to help prioritize and pursue their most important goals. Outside of his professional role, James enjoys cooking, gardening, and spending time with his family.

Zachary Damstetter is a financial advisor with LPL Financial, holding the ChFC® and Series 66 designations and bringing 10 years of industry experience. He previously worked at Northwestern Mutual in various roles from 2016 to 2023 and has been with M&T Bank and LPL Financial since 2024. 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 portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Patricia Sargent is a CFP® with 23 years of industry experience, currently serving as a financial advisor at LPL Financial. Her prior roles include positions at Cadaret, Grant & Co., Inc., Mass Mutual Investors Services, and Metlife Securities. She also operates Davis Financial Services, a business related to her LPL advisory activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment solutions, utilizing both proprietary and third-party models, supported by technology tools and a broad array of non-advisory financial services.

Peter Grimm is a financial advisor with LPL Financial, holding Series 63, 65, and 66 designations and 31 years of industry experience. He previously worked for NEXT Financial Group for 16 years before joining LPL Financial in 2025. Grimm is also licensed as an insurance agent with activities in fixed annuities and life/health 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 portfolios, third-party asset management, and institutional platforms, supported by various advisor-facing tools and a large network of over 22,800 advisors.

Julianna Derisley is a financial advisor at LPL Financial with three years of industry experience. She holds a Series 66 designation and has previously worked at Park Avenue Securities and Guardian Life Insurance Company. Julianna conducts financial literacy presentations for college students. 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, and institutional platforms, with a focus on both discretionary and non-discretionary strategies supported by research and operational tools.

John Licata is a financial advisor at Morgan Stanley with 10 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and models but generally acts in an advisory capacity without providing individual security recommendations as part of standalone planning.