Christen Beck is a financial advisor at Wells Fargo Clearing with 14 years of industry experience. He previously worked at M&T Securities for 15 years and M&T Bank for 21 years. Beck holds Series 63, Series 65, and Series 66 licenses. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides a range of brokerage and advisory solutions supported by in-house research and third-party analytics.

Kay Harrington is a financial advisor at Morgan Stanley with 23 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and holds Series 63 and Series 66 credentials. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides services that include but are not limited to comprehensive financial planning and estate planning strategies.

Katherine Mohney is a financial advisor at Morgan Stanley with 35 years of industry experience. She holds Series 63 and Series 65 credentials and has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank since 2015. Mohney serves on the finance committees of Episcopal Church Home & Affiliates, Inc. and Canterbury Woods, a residential continuous care facility in New York. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning and extensive investment services supported by firm-approved planning tools and strategies.

Sally Abell is a Wealth Management Advisor with Merrill Lynch Wealth Management based in Buffalo, New York. She has been in the financial services industry since 1984 and joined Merrill Lynch in 2006. Sally specializes in managing portfolios for high net worth individuals and their families, helping them generate cash flow and increase wealth through customized investment strategies. Her expertise includes personal retirement planning, portfolio management services, tax minimization, retirement income, and addressing the unique needs of women and wealth. Sally holds a Bachelor of Science degree in engineering from the State University of New York at Buffalo, earned in 1981. She obtained the Chartered Financial Analyst® (CFA®) designation in 1996 and is a Personal Investment Advisor (PIA). She is also a co-founder and former president of the CFA Society of Buffalo. Sally is a qualified Portfolio Manager and utilizes a range of investment approaches, including individual stocks and bonds, Merrill model portfolios, and third-party strategies. When servicing clients through the Investment Advisory Program, she may manage portfolios on a discretionary basis. Outside of her professional role, Sally is involved with St. Paul's Lutheran Church and enjoys biking, reading, singing, tennis, traveling, and spending time with her family. She lives in Buffalo with her husband and their two children.

Adam Hedberg is a financial advisor at Edelman Financial Engines in Buffalo, NY, holding Series 65 and Series 66 licenses with two years of industry experience. Prior to his current role, he worked for the Buffalo Police Department for ten years and spent three years at Equitable Advisors. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm combines a committee-driven proprietary modeling process with planner delivery and online tools, offering both discretionary management and non-discretionary advice across a range of accounts.

Gregory Merkle is a financial advisor at OSAIC with 37 years of industry experience and holds a Series 63 designation. He previously worked at FSC Securities Corporation for 14 years before joining OSAIC in 2023. Outside of his advisory role, he serves on several nonprofit boards, including as president of The Iroquois Foundation, and holds positions such as a licensed ordained minister and local planning board statutory agent. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers brokerage and advisory services through a multi-advisor platform, emphasizing model-based asset allocation and portfolio optimization supported by various managed account programs and third-party managers.

Sara Dayton is a financial advisor with Cetera, holding a Series 66 designation and 12 years of industry experience. Her work history includes roles at Avantax Advisory Services, 1st Global Capital Corp, and she is a partner at Lumsden & McCormick Financial Services, LLC. Dayton serves as Board Treasurer for the Buffalo-Erie Marathon Association, a nonprofit organization involved in race planning and fundraising. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and advisory services through a nationwide network of independent advisors and employs a multi-manager platform with multiple program options and custodial relationships.

Paul D'ostroph III is a financial advisor with Equitable Advisors in Orchard Park, NY, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. He has been with Equitable Advisors since 2004 and previously worked with Axa Advisors, LLC. He also serves as an administrator or executor of estates and trustee of trusts for family and non-family members. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm utilizes both proprietary and third-party program models, focusing on risk assessment and matching clients with appropriate investment solutions.

James Willson is a financial advisor at OSAIC with 40 years of industry experience. He holds a Series 63 designation and has worked at firms including FSC Securities and Raymond James Financial Services Advisors, INC. Willson is also a licensed life insurance agent. OSAIC Wealth serves retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning and advisor-managed portfolios. The firm emphasizes model-based asset allocation and portfolio optimization, supporting a wide range of investment strategies and client types.

Patricia Wallaitis is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 23 years of industry experience. She worked at M&T Securities for 18 years and has been associated with M&T Bank for over 30 years. Wallaitis has been with LPL Financial since 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 wide range of advisory and brokerage services, utilizing model portfolios, third-party subadvisors, and customized investment strategies.

John Jesonowski is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has worked with Royal Alliance Associates, Inc. since 2007 and has been involved with several other financial and insurance firms since 2000. Jesonowski offers life insurance and fixed annuities through multiple carriers as part of his client services. OSAIC serves a wide range of retail and institutional clients, providing both brokerage and advisory services across diverse programs including comprehensive financial planning, managed portfolios, and retirement plan consulting. The firm utilizes model-based asset allocation and portfolio optimization supported by various analytical tools and offers access to alternative investments through third-party platforms.

Timothy Clouden is a financial advisor with LPL Financial based in Orchard Park, NY. He holds Series 63 and Series 65 licenses and has 18 years of industry experience, including 14 years at M&T Securities prior to joining LPL Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a variety of advisory and brokerage services supported by both proprietary and third-party investment strategies, and maintains a broad platform that includes financial planning and institutional programs.

David Hirschbine is a financial advisor with LPL Financial based in Hamburg, NY, holding Series 63 and 65 licenses and bringing 18 years of industry experience. He has been affiliated with LPL Financial since 2010 and has worked at Northwest Bank since 2016. 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 provides a range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset managers, supported by various technological and operational tools.

Devin Filippi is a Financial Advisor at Merrill Lynch Wealth Management. In this role, he provides financial planning and investment management services to clients. Details about his specific areas of expertise, professional experience, education, credentials, personal interests, or community involvement were not provided.

Thomas Suchocki is a financial advisor with Primerica Advisors in Cheektowaga, NY, holding a Series 63 designation and 38 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1987. Outside of his advisory role, he is co-owner with his sister of a beach house in Canada. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and offers a tiered wrap-fee structure, delegating trading responsibilities to BNY Mellon Advisors.

Benard Verrico is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and one year of industry experience. He has worked with firms including Lawley, LLC and KeyBank. He also provides administrative support for Lawley Retirement Advisors, an independent registered investment advisory firm. 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 through a large network of investment adviser representatives, utilizing model portfolios, third-party subadvisors, and customized strategies.

Carol Ward is a financial advisor with Primerica Advisors, holding a Series 63 designation and over 33 years of industry experience. She has been with Primerica Advisors since 1992 and with Primerica Financial Services since 2000. Outside of advising, she is involved in sales of home security and automation products through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

David Meisenzahl is a Financial Advisor with Merrill Lynch Wealth Management. He works directly with clients to develop strategies that address their individual financial goals and priorities. David focuses on areas including employee benefits planning, executive and equity compensation, personal retirement planning, portfolio management, small business strategies, investment strategy, tax minimization, and retirement income. David holds a Bachelor's Degree and a Master of Business Administration (MBA) from the University at Albany. He has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Through Merrill Lynch, he leverages global investing resources as well as the credit, lending, and banking services of Bank of America to support his clients. Outside of his professional work, David enjoys a variety of activities such as hiking, pickleball, reading, scuba diving, skiing, spending time with his family, surfing, swimming, tennis, and traveling.

Douglas Druzbik is a CFP® professional with 28 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He holds Series 63 and Series 65 licenses. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines research from Wells Fargo Investment Institute with diversification principles and modern portfolio theory to evaluate investment options within its extensive platform.

Thomas Schultz is a financial advisor with LPL Financial, holding a Series 66 designation and 27 years of industry experience. He has worked with Linsco / Private Ledger Corp. since 2000. Outside of his advisory role, he operates an independent fixed insurance business and serves as a notary. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plans, banks, and institutions. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, supporting more than 22,800 advisors and overseeing over $819 billion in discretionary assets.