Andre Brassard is a financial advisor at LPL Financial with 35 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at M&T Securities, Inc. for 23 years before joining LPL Financial in 2021. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, with access to model portfolios, research, and various investment strategies.

Faraaz Mohammed Ali is a financial advisor with Merrill based in Buffalo, NY, holding a Series 66 designation and five years of industry experience. He has worked at Merrill and Bank of America since 2020 and authored a children's book titled *With Allah In My Heart*. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a variety of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Emir Culov is a financial advisor at Raymond James Financial with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Wells Fargo Advisors and Morgan Stanley. He serves as an advisory board member for the RIT Saunders School of Business. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm emphasizes non-discretionary financial planning and investment consulting, offering tailored strategies supported by firm research and a broad affiliate network.

Patrick Pannell is a financial advisor at Fidelity with 20 years of industry experience. He holds the Series 66 designation and has been associated with various Fidelity entities since 2012. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios, and it also serves as an adviser to multiple registered investment companies and fund-of-funds.

Jamie Reece is a financial advisor at Ameriprise with a Series 66 designation and three years of industry experience. Prior to joining Ameriprise in 2022, Jamie held various roles in the fitness and hospitality sectors, including positions at Fitness International/ESPORTA Fitness and Curtiss Hotel. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on tailored retirement-income planning, leveraging proprietary research and a range of investment strategies within a defined product ecosystem.

Matthew Pitrola is a financial advisor at Raymond James Financial Services Advisors, Inc. with six years of industry experience. He holds the Series 66 designation and has worked at firms including Custom Wealth Strategies and Commonwealth Financial Network. Outside of his advisory role, he serves as President of Buffalo Financial, a support company affiliated with Raymond James. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm offers financial planning and non-discretionary investment consulting, emphasizing tailored plans developed through detailed risk assessments and firm research.

James Sands is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 licenses and has 44 years of industry experience. He previously worked at UBS Financial Services from 2008 to 2020 before joining Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC in 2020. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a broad range of advisory programs to individuals and institutions, including tailored financial planning using firm-approved tools and strategies.

Carolyn Daigler is a financial advisor at Raymond James Financial with 11 years of industry experience and holds a Series 66 designation. She previously worked at Bank of America Merrill Lynch for eight years and has held roles at Noble Wealth Partners and Crux Wealth Advisors. Outside of advising, she is an associate and client services manager at Plail Wealth Management, providing administrative support. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth and non-HNW clients, pension and profit-sharing plans, charitable organizations, corporations, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, utilizing asset-allocation analysis and firm research, with a focus on advisory and implementation-support services.

Brad Arnone is a financial advisor with Cetera, holding a Series 63 designation and bringing 11 years of industry experience. He has been affiliated with Cetera since 2015 and also operates Crane Capital Group. Outside of his advisory roles, Arnone serves as a board member of the Centro Culturale Italiano di Buffalo, participating in fundraising and community activities. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a multi-manager platform with a range of portfolio management and consulting services, including access to third-party managers and various investment program structures.

Matthew Wojcik is a financial advisor with Raymond James Financial in Orchard Park, NY. He holds a Series 66 designation and has one year of industry experience. Prior to his advisory role, he worked at Fredonia State University and Wright Beverage Distributing, among other positions. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to individual and high-net-worth investors, pension plans, charitable organizations, and government entities. The firm offers tailored, primarily non-discretionary advisory services and manages municipal and public finance relationships through its network.

David Wolf is a financial advisor at Raymond James Financial with 30 years of industry experience. He has worked at Merrill Lynch for 22 years before joining Raymond James and Excelsior Financial in 2018. He serves on the board and finance committee of The Saturn Club, a nonprofit city club in Buffalo, NY. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and charitable organizations. The firm provides financial planning and non-discretionary investment consulting, emphasizing tailored strategies developed through client interviews and risk profiling.

Angel Palacios is a financial advisor with Ameriprise, holding Series 63 and Series 66 credentials and 17 years of industry experience. His prior roles include positions at Santander Securities, Santander Bank, Bank of America, Merrill, and J.P. Morgan. He is also a financial advisor and financial planning specialist with Council Rock Associates, LLC. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on written recommendation reports and ongoing retirement-income planning. The firm’s approach includes asset allocation, adaptive withdrawal strategies, and Social Security planning, relying on proprietary research and third-party data within a defined investment universe.

Lisy Pena is a financial advisor at Morgan Stanley with 11 years of industry experience. She holds the Series 66 designation and has been with Morgan Stanley Smith Barney LLC since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and structured financial planning, utilizing proprietary tools and modeling techniques to support client planning needs.

Brian Burkhardt is a CFP®-certified financial advisor with 19 years of industry experience. He is currently with Ameriprise Financial Services, where he has worked since 2020. Prior to that, he spent nine years at Bank of America and Merrill. Outside of advising, he has real estate ownership in Buffalo, NY. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients, offering specialized retirement income planning that includes written recommendations and ongoing guidance focused on income sources and tax-aware withdrawal strategies.

Justin Badura is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and 14 years of industry experience. Prior to joining LPL Financial in 2021, he spent 10 years with Medaille College and M&T Securities, Inc. He is based in West Seneca, NY. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a large national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management approaches supported by internal and third-party research.

Samuel Cappiello is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in employee benefits planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, tax minimization, and retirement income. Samuel works to help clients pursue their financial goals through personalized wealth management strategies that adapt to changing market conditions. He holds the designation of Personal Investment Advisor (PIA) and has earned an Associate's Degree/College Diploma from ECC. Samuel leads The Cappiello Group, which has been serving the Western New York area for over 30 years. The group operates with a team structure where each member focuses on a specific portion of the portfolio and planning process, creating tailored and customized portfolios for individual clients. Samuel is committed to community involvement, following the Merrill tradition of participating in the communities served. He volunteers with organizations in the Western New York community.

Justin Sheffield is a financial advisor with LPL Financial who holds Series 66 and Series 63 licenses and has four years of industry experience. He has been with LPL Financial since 2021 and also has experience working with Northwest Bank since 2018. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, providing both discretionary and non-discretionary management supported by extensive research and model portfolios.

Joseph Loschiavo Jr. is a financial advisor affiliated with LPL Financial, holding Series 63 and Series 65 credentials and bringing 20 years of industry experience. He has worked with LPL Financial since 2012, including his current role since 2021, and previously spent time at M&T Securities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by in-house research and third-party subadvisors.

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.

James Rehak is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and five years of industry experience. He has worked at firms including Royal Alliance Associates, Putnam Investments, and UBS Financial Services. Rehak is also associated with Lawley Retirement Advisors and its affiliated entities. LPL Financial is a national SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, financial institutions, corporations, and nonprofits. The firm offers a broad range of financial planning and advisory programs, employing both discretionary and non-discretionary management supported by LPL Research and third-party subadvisors.