Beau Riggs is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 66 designations and has 12 years of industry experience. His prior roles include positions at LPL Financial and KeyBank. Outside of his advisory work, Riggs is involved in several entrepreneurial ventures, including owning a social media consulting business and managing financial planning and investment management firms. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse clientele, including individuals, high-net-worth clients, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and supports municipal finance work, incorporating advanced analytical tools and specialized advisory programs.

Christopher Reimer is a financial advisor at UBS Financial Services in Buffalo, NY, holding a Series 66 designation. He has been with UBS since 2025 and previously worked at Continuum Venture Partners and held research roles at the University at Buffalo. Outside of advisory work, he has experience in computational research and extended travel. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings to tailor strategies based on proprietary research and market analysis.

Michael Ferranti serves as a Senior Financial Advisor at Merrill Lynch Wealth Management in Buffalo. He specializes in providing tailored investment advice and guidance to individuals and small businesses, leveraging Merrill's extensive resources and tools to address client needs. His main focus areas include liquidity management, retirement planning, philanthropic planning, portfolio management services, and socially responsible investing among others. Michael is a specially qualified Portfolio Manager within Merrill's asset management platform, managing personalized or defined strategies on a discretionary basis. He also holds the Certified Plan Fiduciary Advisor (CPFA®) designation granted by the National Association of Plan Advisors. Prior to joining Merrill Lynch Wealth Management, he worked as a consumer lender at Wells Fargo. Michael holds a Bachelor's degree from Canisius University. A native Buffalonian, Michael resides in the Elmwood Village area with his wife and children. He is actively involved in the community through volunteer work with organizations such as the Buffalo Equestrian Center and Buffalo Therapeutic Riding Center. In his personal time, Michael enjoys golfing and following local sports teams including the Sabres and Bills.

Ian Deluke is a CFP® professional with 16 years of industry experience. He is currently affiliated with Morgan Stanley in Buffalo, NY, having previously worked at UBS Financial Services from 2012 to 2023. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and methodologies such as Secular Return Estimates and Monte Carlo simulations.

James Cappiello is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been with Merrill since 1988, beginning his career immediately after earning his bachelor's degree from Canisius College. Over his 35 years in the investment field, James has gained extensive experience navigating market cycles and providing investment guidance. His areas of expertise include family wealth management strategies, liquidity management, personal retirement planning, portfolio management services, individual and corporate investment strategy, and retirement income. As a Personal Investment Advisor (PIA), James focuses on connecting all aspects of a client's financial life to help prioritize and pursue their most important goals. Outside of his professional role, James enjoys cooking, gardening, and spending time with his family.

Zachary Damstetter is a financial advisor with LPL Financial, holding the ChFC® and Series 66 designations and bringing 10 years of industry experience. He previously worked at Northwestern Mutual in various roles from 2016 to 2023 and has been with M&T Bank and LPL Financial since 2024. 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, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Patricia Sargent is a CFP® with 23 years of industry experience, currently serving as a financial advisor at LPL Financial. Her prior roles include positions at Cadaret, Grant & Co., Inc., Mass Mutual Investors Services, and Metlife Securities. She also operates Davis Financial Services, a business related to her LPL advisory activities. 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 solutions, utilizing both proprietary and third-party models, supported by technology tools and a broad array of non-advisory financial services.

Peter Grimm is a financial advisor with LPL Financial, holding Series 63, 65, and 66 designations and 31 years of industry experience. He previously worked for NEXT Financial Group for 16 years before joining LPL Financial in 2025. Grimm is also licensed as an insurance agent with activities in fixed annuities and life/health insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by various advisor-facing tools and a large network of over 22,800 advisors.

Christine Seewaldt is a financial advisor at UBS Financial Services with 30 years of industry experience. She has been with UBS since 2017. She holds Series 63 and Series 66 licenses. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and offers proprietary research and affiliated lending programs.

Julianna Derisley is a financial advisor at LPL Financial with three years of industry experience. She holds a Series 66 designation and has previously worked at Park Avenue Securities and Guardian Life Insurance Company. Julianna conducts financial literacy presentations for college students. 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, including financial planning, model portfolios, and institutional platforms, with a focus on both discretionary and non-discretionary strategies supported by research and operational tools.

Jonathan Plail is a CFP® professional with 14 years of experience in financial advising, currently serving at Raymond James Financial Services Advisors, Inc. since 2021. His prior experience includes roles at Bank of America, Merrill, and Crux Wealth Advisors. In addition to his advisory work, he is CEO and President of Plail Wealth Management, where he oversees employee management. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutions. The firm offers tailored, non-discretionary planning and consulting supported by analytical tools, and maintains a unique affiliation with a municipal advisor to support public finance and municipal clients.

John Licata is a financial advisor at Morgan Stanley with 10 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and models but generally acts in an advisory capacity without providing individual security recommendations as part of standalone planning.

Caitlin De Rose is a financial advisor at Merrill with 12 years of industry experience. She holds a Series 66 designation and has worked at firms including Bank of America, Merrill Lynch, HSBC Securities, Morgan Stanley Smith Barney, and Lehman Brothers. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Edward Carlsen Jr. is a financial advisor at OSAIC with 36 years of industry experience. He holds Series 63 and Series 66 credentials and has worked previously at Sagepoint Financial, Inc. and OSAIC Services, Inc. He also operates a sole proprietorship providing insurance reviews when appropriate. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform. The firm employs a model-based investment approach with tools for portfolio optimization and offers a broad range of advisory and brokerage services.

James Coupe is a financial advisor with LPL Financial in Hamburg, NY, holding a Series 66 designation and five years of industry experience. His prior roles include positions at Cadaret, Grant & Co., Inc. and Edward Jones. He serves on the boards of the Lions Club of Boston NY and the Eden Chamber of Commerce. 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 financial planning and investment management services through a large network of advisors, utilizing both proprietary and third-party portfolio solutions.

David Burgio Sr. is a financial advisor at Raymond James Financial Services Advisors, Inc. with 32 years of industry experience. He holds the PFS™ credential and Series 63 and 65 licenses. Prior to joining Raymond James in 2025, he worked at Commonwealth Financial Network and Lincoln Financial Advisors Corporation. He also owns and operates a financial planning practice through Custom Wealth Strategies, LLC, and provides income tax preparation services for individual clients. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutions. The firm emphasizes tailored, non-discretionary planning using analytical tools and risk profiling, and it supports clients through various advisory programs and specialized consulting services.

Christopher Malof is a financial advisor with UBS Financial Services in Buffalo, NY, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His prior roles include positions at Morgan Stanley and Citigroup Global Markets. Malof has served on the board of the Youth Orchestra Foundation of Buffalo and currently chairs the Enrollment Committee at Canisius College as a board member. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, combining proprietary research and model-based asset allocations with institutional trading capabilities and wealth management services.

Garek Schultz is a financial advisor with Raymond James & Associates in Buffalo, NY, holding a Series 66 credential and two years of industry experience. Prior to joining Raymond James, he worked at M&T Bank and Citi Bank among other roles. Outside of his advisory work, Schultz owns and manages a duplex property in Buffalo, where he also resides. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving a diverse client base, including individuals, institutions, and municipal entities. The firm provides financial planning and consulting through a range of portfolio management styles and is notable for its municipal advisory services and extensive affiliate network.

Joseph Bianchi is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he works directly with clients to define their financial goals and develop portfolio strategies aimed at helping them achieve those objectives. He provides ongoing advice and adapts financial plans as clients' situations evolve. Joseph has expertise in areas including general investing, retirement planning, and preparing for unexpected financial needs. He emphasizes understanding what matters to each client and their family to create tailored strategies. His professional designations include Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He holds a Bachelor's Degree from Florida State University. Outside of his professional work, Joseph's personal interests include camping, fishing, football, golfing, hiking, hunting, ice hockey, music, and skiing.

David Starck is a financial advisor with LPL Financial in Buffalo, NY, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He worked at M&T Securities, Inc. for over two decades 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 institutions. The firm offers a range of advisory and brokerage services, including financial planning, managed portfolios, third-party asset management, and institutional platforms.