Michael Mancuso is a financial advisor with Cetera who holds 43 years of industry experience. He has worked with Cetera since 2019 and previously spent 37 years at Foresters Financial. Outside of his advisory role, he is involved in land ownership. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients through various portfolio management and financial planning services.

Jose Iglesias is a financial advisor at UBS Financial Services with 27 years of industry experience. He has been with UBS Financial Services since 2010 and has also worked at UBS International Inc. and UBS AG since 2007. Iglesias holds Series 63 and Series 65 designations. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and asset allocation models to tailor client strategies.

Peter Johnson is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. His career includes long tenures at SSN Advisory, Inc. and Securities America Advisors. Outside of advisory work, he prepares tax returns for clients and assists in facilitating the creation of estate documents in cooperation with a local attorney. OSAIC serves a diverse client base including individual investors, high-net-worth clients, pension plans, corporations, and nonprofit organizations. The firm offers a range of brokerage and advisory services, employing comprehensive asset-allocation tools and access to third-party managers to customize portfolios across various investment types.

William Stark III is a financial advisor at Fidelity with 23 years of industry experience. He holds the Series 63 and Series 66 designations and has been with various divisions of Fidelity since 2011. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm uses a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and advisory services.

Jeremy Beck is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and 23 years of industry experience. His prior roles include positions at Custom Wealth Strategies, Commonwealth Financial Network, and Wells Fargo Advisors Financial Network LLC. Beck is a partner in two LLCs involved in ownership and management of commercial real estate properties connected to his financial practice. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary investment consulting and supports municipal and public-finance work, alongside specialized advisory programs.

Michael Ganci is an investment advisor representative at OSAIC with 36 years of industry experience. Prior to joining OSAIC in 2024, he worked at Securities America Advisors, Inc. and SSN Advisory, Inc. He is also a professional income tax preparer serving nearly 780 clients. OSAIC Wealth, Inc. serves a diverse client base including retail and institutional investors through a large network of advisers, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools and risk-tolerance analysis to construct diversified portfolios that can include stocks, bonds, mutual funds, ETFs, and alternative investments.

Andrew Piatek is a financial advisor with LPL Enterprise, holding a Series 63 designation and 10 years of industry experience. He previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. He is also involved with Longevity Wealth Partners, LLC, a local financial planning team. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, and corporate entities. The firm’s investment approach is primarily model-driven, offering access to third-party managers and a range of financial planning and consulting services.

Lawrence Pignataro Jr. is a CFP® with 38 years of experience in the financial services industry. He is currently affiliated with OSAIC and has worked previously at Securities America Advisors and Investacorp, Inc. In addition to his advisory work, he owns and operates Pignataro Financial Group, which provides tax preparation, accounting, and life insurance services. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, employing asset-allocation tools and multiple third-party platforms to construct and manage portfolios across a wide range of investment types.

Paul Larou is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 54 years of industry experience. His career includes 14 years at Guardian Life and more recent roles at Park Avenue Securities and LPL Financial. Outside of advisory work, he is involved in fixed annuities sales and service. 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 various investment programs and advisory services utilizing model portfolios, third-party subadvisors, and customized strategies, supported by technology tools but not for direct investment decisions.

James Cummings is a financial advisor at Wells Fargo Clearing with 26 years of industry experience. He has worked at Wells Fargo Advisors LLC from 2009 to 2016 before joining Wells Fargo Clearing in 2016. Outside of his advisory role, he coaches alpine ski racing in Ellicottville, NY. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broader range of financial products such as insurance-related vehicles and bank deposit sweep options.

Gerald Ogilvie IV is a financial advisor at Equitable Advisors with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Equitable Advisors since 2015, including prior service at AXA Advisors, LLC. Equitable Advisors serves individuals across the wealth spectrum, pension and profit-sharing plans, corporations, and charitable organizations by providing financial planning, retirement plan consulting, and various asset-management programs. The firm delivers its services through a network of Investment Adviser Representatives and utilizes a mix of proprietary and third-party advisory programs and managers.

Mark Klocke is a financial advisor with Primerica Advisors in West Seneca, NY, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has worked with PFS Investment Services since 1999 and with Primerica Financial Services since 1996. In addition to investment services, he is involved in the sale of loan products and home security and automation referrals through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, which serves individual and high-net-worth clients using model-delivery strategies and selectively managed accounts. The firm employs third-party asset managers and provides an operational model centered on tiered wrap fees and ongoing oversight of investment models.

Daniel Lawrence is a financial advisor with Cetera who holds Series 63 and Series 66 licenses and has five years of industry experience. His prior roles include positions at LPL Financial, M&T Bank, Equitable Advisors, and KeyBank. Outside of advising, he also works as a Notary Public and has roles with DoorDash and as a valet at the Lockport Town and Country Club. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers portfolio management, financial planning, and access to third-party managers through a multi-manager platform with a range of program options.

Kevin Arndt is a financial advisor with Cambridge Investment Research Advisors, holding Series 63, 65, and 66 credentials and bringing 31 years of industry experience. His prior roles include positions at Securities America Advisors and Next Financial Group Inc. In addition to his advisory work, he is involved with Patient Advantage, a healthcare-related company. Cambridge Investment Research Advisors is a large SEC-registered firm serving individuals, pension plans, charitable organizations, trusts, and other retirement-plan sponsors. The firm offers financial planning, investment management, and retirement plan advisory through a network of independent professionals, utilizing proprietary and third-party strategies across multiple platform arrangements.

James Teller Jr. is a financial advisor with Cetera, holding a Series 66 designation and 22 years of industry experience. He has held roles at firms including Avantax and Woodbury Financial Services and has operated his own practice, Legacy Financial Group, since 2012. Outside of advisory work, he serves as a power of attorney for his wife and other personal legal matters. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporations, charitable clients, and institutions nationwide. The firm offers a range of portfolio management and advisory services through a multi-manager platform that supports various investment strategies and program structures.

Michael Gzyl is a financial advisor with Cetera who holds a Series 63 designation and has 11 years of industry experience. He has worked at Cetera Investment Services LLC since 2019 and previously at Foresters Financial Services from 2015 to 2019. Outside of his advisory role, he owns and operates Susie Cuke's Pickle Company and a mobile golf simulator business called Tee Box LLC. Cetera Investment Advisers LLC is an SEC-registered adviser serving a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and consulting services through a multi-manager platform that includes model portfolios, third-party managers, and bespoke strategies, managing over $256 billion in assets through more than 10,000 advisors.

Richard Benkleman is a financial advisor at Merrill with 13 years of industry experience. He holds a Series 66 designation and has previously worked at J.P. Morgan Securities and Bank of America, N.A. during his career. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to fiduciary clients through the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

James Joseph is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has worked at UBS Financial Services for 27 years before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney in 2019. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

David Turkasz is a financial advisor with J.P. Morgan Securities in East Aurora, NY. He holds Series 63 and Series 65 licenses and has six years of industry experience. His prior roles include positions at Citizens Securities, Equitable Advisors, and Axa Advisors. J.P. Morgan Securities provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Sheila Visco is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and one year of industry experience. Her prior work includes roles at Jordan Wealth Management and Calamar Financial Group, with earlier experience at C & M Capital Resources, Inc. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform that enables advisors to utilize a range of portfolio management options, including affiliated and third-party models, bespoke strategies, and various program structures across discretionary and non-discretionary authorities.