Terrence Sprow is a financial advisor with Mass Mutual Investors Services in Amherst, NY, holding a Series 63 designation and bringing 40 years of industry experience. His career includes positions at Metlife Securities Inc. and New England Securities. MML Investors Services, LLC, a subsidiary of MassMutual, provides ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers, utilizing firm-approved software and annual collaborative planning relationships.

Steven Yeh is a financial advisor with Cambridge Investment Research Advisors, Inc. He holds Series 63 and Series 65 licenses and has 34 years of industry experience. His prior work includes roles at INVEST Financial Corp and Ic Advisory Services Inc. Yeh is also an attorney providing tax services and serves as a board member of the American Education Foundation. Cambridge Investment Research Advisors serves a diverse client base, including individuals, pension plans, and charitable organizations, offering financial planning, investment management, and retirement-plan advisory services. The firm manages a multi-billion dollar asset base and provides access to multiple platforms, third-party advisers, and proprietary model strategies.

Robert Cohen is a CFP® with 29 years of industry experience, currently with OSAIC since 2024. He previously spent 18 years at American Portfolios and has been COO of W.J. Cox Associates, Inc. since 1996. Outside of advising, Cohen is co-owner of a tennis club and serves as a part-time teacher. Osaic Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform, offering brokerage and advisory services that include comprehensive financial planning, managed portfolios, and retirement plan consulting. The firm emphasizes model-based asset allocation and portfolio optimization, supporting advisors with a range of discretionary and third-party manager options.

Jesse Lalka is a financial advisor at OSAIC with one year of industry experience. He holds a Series 66 designation and has previously worked at L&M Wealth Management and ADPRO Sports LLC. OSAIC Wealth serves a diverse client base including retail and institutional investors, offering a range of brokerage and advisory services such as financial planning, managed portfolios, and retirement plan consulting. The firm utilizes a model-based investment process with asset allocation and portfolio optimization tools, supported by a complex network of affiliated firms.

Jason Gentner is a financial advisor with Osaic, holding a Series 63 designation and over 24 years of industry experience. He has worked at Securities America Advisors and its predecessor, Securities America, Inc., for 17 years prior to joining Osaic. Outside of advising, he is a part-owner of Nickel City Tours, a local company offering historical bus tours in Buffalo, New York. Osaic Wealth serves a broad range of retail and institutional clients through a multi-advisor platform that offers brokerage and advisory services including financial planning, managed portfolios, and retirement plan consulting. The firm’s investment process focuses on model-based asset allocation and portfolio optimization, with various discretionary and third-party management options.

Maryjane Hosmer is a financial advisor with Mass Mutual Investors Services in Amherst, NY, holding a Series 63 designation and bringing 34 years of industry experience. She has been with MML Investor Services and MassMutual Life Insurance Company since 2005. MML Investors Services, LLC operates as a subsidiary of MassMutual, providing financial planning and investment services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers a range of programs including asset management, wrap and money-manager programs, and educational seminars.

Sean Patrick Davis is an advisor at LPL Financial with a Series 66 designation and no prior industry experience. Before joining LPL Financial in 2026, he held roles at Broadview Federal Credit Union, Hertel Home Consignment, KeyBank Center, Cumulus Media, and Kelton Enterprises. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with research tools and a broad range of investment options.

David Schilling is a financial advisor at LPL Financial in Amherst, NY, holding the ChFC® and Series 63 designations with 44 years of industry experience. He previously worked at Mass Mutual Investors Services and MassMutual Life Insurance Co., where he spent a combined eight years. 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 services including financial planning, model portfolio programs, and institutional platforms, supported by extensive resources and technology.

Paul Chisholm is a financial advisor with Cambridge Investment Research Advisors, holding a Series 63 designation and 37 years of industry experience. He has worked at Cambridge Investment Research Advisors since 2017 and previously spent seven years at Investacorp. Outside of his advisory work, he serves on the board of Elm Lawn Cemetery and Crematory and holds director and treasurer roles with local nonprofit organizations. Cambridge Investment Research Advisors serves a broad mix of individual and institutional clients, including pension and charitable organizations, offering financial planning, investment management, and retirement-plan advisory services through a multi-platform, multi-billion dollar asset management operation.

Joseph Dileo is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has been with MML Investors Services and MassMutual Life Insurance Company since 2005. Outside of his advisory work, he is involved in software development through Endinmind Creations and co-owns an indoor baseball facility and training center called Hot Corner Athletics. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, with a focus on collaborative, goal-oriented planning.

Phillip Held is a financial advisor with MassMutual Investors Services in Amherst, NY, holding a Series 63 designation and 13 years of industry experience. He has been with MassMutual Investors Services since 2010 and has worked with MassMutual Life Insurance Company since 2007. Outside of his advisory role, he serves as president and chairman of FinsecaNY, an industry trade association, and works as an insurance agent with AFLAC and Lawley Life Solutions. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing collaborative planning relationships and educational seminars, focusing on recommending investment categories and strategies while implementation remains optional.

Ian Sylves is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and five years of industry experience. He has been with MML Investors Services, LLC since 2021 and MassMutual Life Insurance Co since 2020. Outside of finance, he is involved in goalie coaching and runs on-ice and off-ice training programs as part of his work with Mindful Goaltending and Mitch Korn Goalie Camps. He also serves on the Economics and Finance Advisory Board at Buffalo State College. MML Investors Services, LLC operates as a subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative annual financial planning engagements using firm-approved analytical tools and delivers written recommendations primarily focused on investment categories and strategies.

Edward Wright Jr. is a CFP® professional with 31 years of industry experience, currently affiliated with LPL Financial. His prior roles include tenures at Cadaret Grant & Co., Inc., The Leaders Group, Inc., and HSBC Securities (USA) Inc. He is also the president and owner of Omega Wealth LLC, a financial planning business. 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 management solutions, including model portfolio programs, third-party asset management, and institutional platforms.

Max Lipsitz is a CFP® professional with 13 years of industry experience, currently serving at Osaic Wealth. Prior to joining Osaic, he spent over a decade at Securities America Advisors and SECURITIES AMERICA, Inc. He is also involved with FeedMore WNY as a member of their investment sub-committee and owns businesses in insurance sales and tax preparation. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients, offering a multi-advisor platform with brokerage and advisory services. The firm’s investment approach centers on model-based asset allocation, portfolio optimization, and a wide range of customizable investment strategies.

Kenneth Weinstein is a CFP®-credentialed financial advisor with over 33 years of industry experience. He is currently affiliated with Cetera Wealth Services, LLC and Cetera, having previously worked at Avantax and Mony Securities Corporation. Outside of his advisory work, Weinstein operates a CPA firm focused on tax preparation and accounting and is involved in the sale of seat covers for classic cars. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform with access to affiliated and unaffiliated third-party managers.

Laura O'geen is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. She has worked at M&T Bank since 1992 and at M&T SECURITIES, Inc. for 29 years before joining LPL Financial in 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 financial planning and investment management services, utilizing both model portfolios and customized strategies to serve its extensive network of advisors and clients.

Joseph Andrade is a financial advisor with Primerica Advisors in Amherst, NY, holding a Series 63 designation and 25 years of industry experience. His career includes roles at Crossmark and longstanding positions at PFS Investments Inc. and Primerica Financial Services. Outside of advisory work, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers 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 employs a tiered wrap-fee structure for its services.

Yaman Sharma is a financial advisor at Morgan Stanley with 10 years of industry experience and holds a Series 66 designation. He has worked at several major firms, including JPMorgan Securities, Bank of America, and Merrill Lynch. Outside his advisory role, he is a partner in Dravin Private Investments. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and market models as part of its advisory process.

Michael Gnacinski is a financial advisor with Mass Mutual Investors Services in Amherst, NY, holding a Series 63 designation and 27 years of industry experience. He has been with Mass Mutual Investors Services since 2017 and also has longstanding tenures with Massachusetts Mutual Life Insurance Company and Metlife Securities Inc. since 1999. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, structuring planning engagements as collaborative annual relationships using analytical tools to guide investment strategies.

John Ahrens is a financial advisor with Mass Mutual Investors Services who holds a Series 63 designation and has 38 years of industry experience. He has been associated with MML Investors Services, Inc. since 1987 and Massachusetts Mutual Life Insurance Company since 1986. Outside of his advisory role, Ahrens is president and part owner of Buflife Agency Inc., a life and health insurance agency. MML Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements using firm-approved analytical tools, with optional implementation of recommendations through separate brokerage or insurance arrangements.