Charles Stephan is a financial advisor with Primerica Advisors in West Seneca, NY, holding Series 63 and Series 65 licenses. He has 32 years of experience, having worked at Primerica Financial Services and Primerica Advisors since 1994. His other business activities include part-time sales of home security and automation products and loan products through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including high-net-worth clients, as well as corporate and charitable clients. The firm uses model-delivery strategies managed by unaffiliated asset managers and offers a range of portfolio models supported by BNY Mellon Advisors and Pershing for trade execution and custody.

Lawrence Pignataro IV is a financial advisor at OSAIC with eight years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Securities America and Investacorp. In addition to his advisory work, he manages an accounting and tax preparation business under Pignataro Financial Group. OSAIC serves a diverse client base including individual and institutional investors, offering brokerage and advisory services through a broad network of advisers. The firm employs a range of investment strategies and portfolio management tools while maintaining multiple third-party commercial relationships and platform integrations.

Robin Lewandowski is a financial advisor with Ameriprise in Orchard Park, NY, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. Prior to joining Ameriprise in 2025, Lewandowski worked at OSAIC, Securities America Advisors, Securities America, Inc., and Citizens Securities, Inc. Lewandowski also maintains outside employment as a financial advisor with CNB. Ameriprise offers specialized retirement-income planning services for clients with substantial investable assets, combining research, modeling, and tax-efficient strategies delivered through a centralized consulting team. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

James Murphy Jr. is a ChFC® and Series 66-registered financial advisor with 14 years of industry experience. He is currently affiliated with LPL Enterprise and has previously worked with Prudential Insurance Company of America and Mutual of Omaha Investor Services, Inc. He also operates JPMurphyJR LLC, providing Medicare insurance advice. LPL Enterprise, LLC offers investment advisory and brokerage services to a diverse range of clients, including individual and high-net-worth investors, retirement plans, and charitable entities. The firm’s investment approach is model-driven, utilizing portfolios developed by internal and third-party strategists, and it provides access to third-party asset managers and insurance products through affiliated entities.

Jason Klein is a financial advisor with UBS Financial Services in Buffalo, NY, holding Series 63 and Series 65 designations and possessing 36 years of industry experience. He has been with UBS Financial Services since 2007. Outside of his advisory work, he is involved with Secrets of Champions, which focuses on peak performance training for sports and business through advisory roles and strategic meetings. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including portfolio management and financial planning. The firm combines institutional trading capabilities with wealth management and provides a range of capital markets services supported by proprietary research and model-based asset allocation.

Daryl Planter is a Senior Financial Advisor at Merrill Lynch Wealth Management. He began his financial services career in 1992 and assists clients in managing their individual wealth through various market cycles. Daryl specializes in retirement planning, divorce transition planning, family wealth management strategies, portfolio management services, small business strategies, individual and corporate investment strategy, tax minimization, and retirement income. He holds a Bachelor's Degree from the State University of New York at Buffalo and has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Daryl emphasizes a comprehensive approach to wealth management based on understanding clients' individual needs. Daryl actively participates in community service by volunteering with local organizations, reflecting a commitment to the communities he serves.

Francesca Vitale is a financial advisor at Merrill with six years of industry experience. She holds the Series 63, Series 65, and Series 66 designations. Prior to her current role beginning in 2024, she worked at Wilmington Trust N.A., M&T Bank, LPL Financial, and Bank of America. Vitale serves on the junior advisory board of Niagara University, where she participates in discussions on enrollment trends and fundraising initiatives. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Carolyn Sullivan is a CFP® with 32 years of industry experience, currently affiliated with Merrill and Bank of America. She has worked at Merrill since 2000 and at Bank of America, N.A. since 2009. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a variety of client types including individuals and institutions.

Alex Dorofy is a financial advisor with LPL Enterprise holding a Series 63 designation and nine years of industry experience. His prior roles include positions at Prudential Insurance Company of America, Pruco Securities, LLC, and Geico. Outside of his advisory work, he owns Bee Run Honey, a business based in Lake View, NY. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, employer-sponsored retirement plans, and various institutional entities. The firm employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and a range of insurance and trust services.

Chris Sebastian is a Wealth Management Advisor and Managing Director at Merrill Lynch Wealth Management. He began his career at Merrill Lynch in 1991 and currently leads a 14-person team providing a family office-like experience to clients. Chris serves a select group of highly successful clients, including executives, doctors, attorneys, and entrepreneurs, designing tailored strategies that reflect their unique circumstances. With over 30 years of experience, Chris oversees the team's strategic initiatives and execution of business plans. His areas of expertise include executive compensation, equity compensation services, family wealth management strategies, institutional consulting, liquidity management, managing new wealth, personal retirement planning, portfolio management services, tax minimization, and retirement income. Chris holds a Bachelor of Science degree in Business from Clarkson University and has earned the Personal Investment Advisor (PIA) designation. Outside of his professional role, Chris has personal interests in gardening, softball, and tennis.

Matthew Sotland is a CFP® professional with 19 years of industry experience, currently serving as an advisor at Wells Fargo Clearing since 2016. His prior experience includes roles at Wells Fargo Advisors LLC and UBS Wealth Management. He holds a minority ownership in a commercial rental property holding company in Williamsville, NY. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets with over 14,000 financial advisors and offers both brokerage and advisory solutions.

Joseph Fecio is a CFP® professional with 28 years of industry experience, currently serving at Raymond James Financial Services Advisors, Inc. He previously worked at Commonwealth Financial Network and Lincoln Financial Advisors. He has maintained a long-standing appointment as an insurance agent for non-variable life insurance policies. 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 planning and supports advisory programs and institutional consulting through a large network of advisors.

William Saperston is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets since 2005. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques as part of its advisory services.

Michael Alba is a financial advisor at Edelman Financial Engines with 17 years of industry experience. He holds the Series 63, Series 65, and Series 66 licenses. His prior roles include positions at Innovative Ecom LLC, Citizens Securities, Inc., td ameritrade, and HSBC Securities (USA) Inc. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven modeling process combined with planner advice and online tools, emphasizing diversified portfolios, periodic rebalancing, and a long-term investment approach.

Liam Davis is a financial advisor with LPL Financial based in Hamburg, NY, holding a Series 66 designation and three years of industry experience. His prior roles include positions at Cadaret Grant & Co., Inc. and Equitable Advisors LLC. 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, model portfolio programs, third-party asset management, and institutional platforms.

James Rehak Jr. is a financial advisor with LPL Financial in Buffalo, NY, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has over 40 years of industry experience and has held roles at firms including Lawley Retirement Advisors, Cadaret, Grant & Co., Inc., and OSAIC. Rehak serves on the audit committee of Challenge Manufacturing Company, a role outside his advisory activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering a range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides financial planning, model portfolio programs, and institutional platforms, supporting a large network of registered investment advisers who utilize a variety of strategies and technology tools.

Anne Pasker is a financial advisor with Raymond James & Associates in Buffalo, NY, holding Series 63 and Series 65 designations and 27 years of industry experience. She joined Raymond James in 2020 after working at key Investment Services LLC from 2016 to 2019. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and consulting through a range of investment strategies and affiliated research.

Matthew Siva is a financial advisor with LPL Financial in Buffalo, NY, holding the Series 63 and Series 65 licenses and bringing four years of industry experience. His prior roles include positions at Cadaret Grant & Co., Inc. and SC Parker, LLC. 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 range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Jared Smith is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 66 credentials and has 15 years of industry experience. His prior roles include positions at Noble Wealth Partners, Crux Wealth Advisors, Key Investment Services, and M&T Securities. He is also involved as a minority partner and officer in several support entities related to his financial planning practice. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and corporate clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports a wide advisor network, with services that include municipal advisory work and specialized retirement plan consulting.

Courtland Van Deusen V is a financial advisor with Cetera in Buffalo, NY, holding a Series 66 designation and 12 years of industry experience. His prior roles include positions at Avantax Investment Services and 1st Global Capital Corp. Outside of his advisory work, he serves as treasurer and board member for the C&D Van Deusen Foundation, a private charitable foundation supporting educational and religious institutions, and is involved in nonprofit efforts related to hearing services and local education. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a multi-manager platform with a range of discretionary and non-discretionary investment programs and access to third-party money managers.