John Hartman is a financial advisor at Equitable Advisors with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Equitable Advisors since 2011, including a prior role at AxA Advisors. Hartman serves as a board member of Urban Roots Garden Coop, a nonprofit organization in Buffalo, NY. Equitable Advisors provides financial planning, retirement plan support, and access to asset management for individual investors, retirement sponsors, corporations, and charitable organizations. The firm uses a hybrid referral and implementation model, offering both advisory and brokerage services through partnerships with LPL and various third-party asset managers.

Charlene Morrow is a financial advisor with OSAIC, holding the ChFC® designation along with Series 63 and Series 65 licenses. She has 32 years of industry experience, including 17 years at American Portfolios and operating Morrow Financial Services since 2003, where she is also a licensed insurance agent. Morrow Financial Services focuses on the sale of fixed annuities, life insurance, long-term care insurance, and disability insurance. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations, providing integrated brokerage and advisory services through a large network of affiliated advisers. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios comprising various asset classes on both discretionary and non-discretionary bases.

Braeden Krzesinski is a financial advisor with Equitable Advisors, holding a Series 66 designation and beginning his industry career in 2026. His prior work experience spans various roles outside the financial sector, including positions at Leaf Filter, Dicks Sporting Goods, and educational institutions such as the University of Buffalo and College of Charleston. Equitable Advisors serves a diverse client base, including individuals, high-net-worth clients, retirement plans, and institutional investors. The firm offers financial planning, brokerage, insurance, and access to third-party asset management, functioning as both an SEC-registered investment adviser and broker-dealer.

Trey Stayton is a financial advisor with Equitable Advisors in Williamsville, NY, holding a Series 66 designation and one year of industry experience. Prior to joining Equitable Advisors, he worked at Roots Tree Service and has a background that includes roles at the University of Buffalo, Wendy’s, and Susquehanna Valley Junior & High School. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels to implement client recommendations.

Joshua Heims is a financial advisor at Cetera with 22 years of industry experience. He holds Series 65 and Series 66 designations and has previously worked with firms including Lincoln Sparrow Advisors, Sagepoint Financial, and Avantax. Outside of his advisory work, Heims serves as President and Commissioner of the Clarence Girls Softball League, a nonprofit organization promoting youth softball. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporations, charitable clients, and institutions. The firm offers diverse portfolio management and financial planning services through a multi-manager platform, with over 10,000 advisors managing more than $256 billion in assets.

Brent Rickan is a financial advisor with Morgan Stanley in Williamsville, NY, holding a Series 66 designation and 14 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2011 and with Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers services through both direct client relationships and Corporate Financial Planning agreements.

Kristin Marusza is a Wealth Management Advisor at Merrill Lynch Wealth Management. She has been active in the financial services industry since 1991 and joined Merrill Lynch in 2006. Kristin specializes in developing financial strategies for high net worth individuals, their families, and businesses to support both their short- and long-term goals. She is a qualified Portfolio Manager who offers traditional financial advice and can manage personalized investment strategies that include individual stocks and bonds, Merrill Lynch model portfolios, and third-party investment options. Kristin holds several professional designations including Certified Financial Planner (CFP), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She earned both her Bachelor's degree and MBA from Canisius College. Kristin participates in community service activities and is involved with professional organizations such as Merrill Lynch Women's Exchange and New York State Women Inc., Buffalo Niagara.

Casey Nuchereno is a financial advisor at Equitable Advisors with seven years of industry experience. He holds a Series 66 designation and has been with Equitable Advisors since 2019, including prior roles at Axa Advisors, LLC. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and various third-party asset managers. The firm utilizes a hybrid referral and implementation model, combining advisory and brokerage channels to tailor services based on client goals, risk tolerance, and time horizon.

Gail Testa Romano is a financial advisor with Ameriprise, holding Series 63 and Series 65 designations and bringing 33 years of industry experience. Her prior roles include positions at John Hancock, AXA Advisors, Securities America, and OSAIC. She also manages an advisory business outside of her primary employment. Ameriprise serves clients primarily through its retirement-income planning service, which focuses on individuals nearing or in retirement with substantial investable assets, providing tailored, research-driven recommendations delivered by a centralized consulting team.

Robert Wilczak is a financial advisor at Cetera with 25 years of industry experience. He holds Series 63 and Series 65 designations and has worked with Cetera since 2019, following previous roles at Foresters Financial Services and Foresters Advisory Services. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform that includes model portfolios, third-party managers, and bespoke strategies.

Thomas Renzi is a financial advisor with RBC Capital Markets, holding Series 63 and Series 65 credentials and possessing 36 years of industry experience. He has been with RBC Capital Markets Corporation since 2008. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, corporations, and charitable organizations. The firm offers a range of advisory programs and investment management services tailored to clients’ risk profiles, utilizing both in-house and third-party investment managers.

Matthew Gorton is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since joining Merrill Lynch in 2011, he has focused on working with executives and business owners to address their unique financial goals and needs. Matthew collaborates closely with clients and their other advisors to coordinate financial, legal, and tax-related decisions. His areas of expertise include college education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, socially responsible and values-based investing, and services for endowments, foundations, and non-profits. Matthew holds a Bachelor of Science degree in Finance from Wayne State University and maintains professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), Retirement Benefits Consultant (RBC), and Sports & Entertainment (SE).

Eric Mckenrick is a financial advisor at Equitable Advisors with 16 years of industry experience. He holds the Series 66 designation and has been with Equitable Advisors since 2009, including time spent with Axa Advisors, LLC. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through LPL programs and a broad roster of third-party asset managers. The firm utilizes a hybrid referral and implementation model, combining advisory and brokerage channels to tailor services based on client goals, risk tolerance, and time horizon.

Patrick McGuire is a financial advisor at RBC Capital Markets with six years of industry experience. He holds a Series 66 designation and previously worked at Rupp Baase Pfalzgraf Cunningham LLC from 2016 to 2020. McGuire serves as a Professional Advisor Council Member for the Community Foundation for Greater Buffalo. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, and charitable organizations with customized portfolio management, financial planning, custody, and brokerage services. The firm integrates in-house and third-party investment managers and offers a range of advisory programs tailored to clients’ risk profiles.

Michael Evereth is a financial advisor at LPL Financial with 38 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for Janney Montgomery Scott for 17 years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management strategies supported by internal and third-party research.

Steven Goodwin is a financial advisor with OSAIC and holds a Series 63 designation. He has 44 years of industry experience, including 27 years at Signator Investors, Inc. and over three decades managing his own insurance and wealth management businesses. Outside of finance, he works as a certified adaptive ski instructor and trainer with the Lounsbury Adaptive Ski Program at Holiday Valley Ski Resort. OSAIC serves a diverse range of clients, including individuals, high-net-worth investors, pension plans, corporations, and charities, providing integrated brokerage, advisory, and financial planning services through a large network of advisers and multiple platforms.

Ryan Timmons is a financial advisor with Equitable Advisors in Williamsville, NY, holding a Series 66 designation and 18 years of industry experience. He has been with Equitable Advisors and its predecessor, Axa Advisors, LLC, since 2007. Outside of his advisory role, he manages a vacation rental property in the Buffalo area. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by offering financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm uses a hybrid referral and implementation model and provides both advisory and brokerage/insurance services.

Andrew Radziwon is a financial advisor with Ameriprise, holding a Series 66 designation and 17 years of industry experience. His career includes roles at Kovack Advisors, Kovack Securities, Krieger & Associates, and Dhr Consulting. He has been with Ameriprise in various capacities since 2008. Ameriprise provides a retirement-income planning service designed for individuals approaching or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations through a centralized consulting team.

Ryan Liddell is a CFP® professional with 14 years of experience in financial advising. He is currently affiliated with Raymond James Financial and has been a part of the firm since 2016. He also leads the Scheff Liddell Wealth Group, providing financial advice to clients. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a wide range of clients, including individuals, high-net-worth clients, corporations, and institutional clients. The firm employs tailored, non-discretionary planning and consulting using analytical tools to support client goals, with additional capabilities in municipal advising and specialized retirement plan consulting.

Blake Rickan is a financial advisor with Morgan Stanley in Williamsville, NY, holding a Series 66 designation and eight years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2017. Outside of his advisory role, Rickan coaches youth lacrosse with several local organizations in the Buffalo area. Morgan Stanley Wealth Management serves individual and institutional clients with a wide 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 corporate-sponsored financial planning services.