James Anderson is a financial advisor with Edward Jones in East Aurora, NY, holding CFP® and Series 66 credentials and bringing 16 years of industry experience. He has been with Edward Jones since 2010. Anderson serves on the finance committee and as a board member and treasurer for two Aurora Waldorf Schools in New York. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment solutions supported by a nationwide network of advisors and branch offices.

Michael Carrig is a financial advisor at UBS Financial Services with 11 years of industry experience. He holds the Series 66 designation and has worked at UBS since 2022. Prior to UBS, he was with Bank of America N.A. and Merrill from 2014 to 2022. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides a range of financial planning and portfolio management solutions supported by proprietary research and a broad platform of capital markets and custody services.

Matthew Mcmahon is a Financial Advisor at Merrill Lynch Wealth Management. He joined the firm in 2026, bringing with him two decades of experience in Capital Markets and Institutional Sales acquired at various broker dealers. Matthew specializes in advising clients on investment strategies and wealth management tailored to their financial goals. He holds a Bachelor of Science degree in Business Management from the State University of New York at Buffalo. Additionally, Matthew has earned the Personal Investment Advisor (PIA) designation, supporting his professional expertise in personal investment advisory services.

Daniel Blake is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. He has been with MML Investors Services and Massachusetts Mutual Life Insurance Company since 1987. Outside of his advisory role, Blake owns several businesses including SFG Consulting, which offers business succession planning, and Southtowns Financial Group, providing insurance products such as life, disability, and long-term care coverage. Mass Mutual Investors Services, LLC operates as 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, emphasizing collaborative, goal-oriented planning supported by firm-approved analytical tools.

Andre Brassard is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 35 years of industry experience. He previously worked for M&T Securities, Inc. for 23 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 institutions. The firm offers a range of services including financial planning, model portfolios, third-party asset management, and institutional platforms, supporting advisors with various investment strategies and operational tools.

Faraaz Mohammed Ali is a financial advisor at Merrill with six years of industry experience. He holds a Series 66 designation and has worked at Bank of America and Merrill since 2020. He is also the author of a children's book titled *With Allah In My Heart*, which he wrote for his son. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies supported by internal and third-party managers for a range of clients including individuals, high-net-worth investors, and institutions.

Emir Culov is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 credentials and with 26 years of industry experience. He previously worked at Wells Fargo Advisors and Morgan Stanley in various roles before joining Raymond James. Culov serves on the advisory board of the RIT Saunders School of Business. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, corporations, pension plans, and institutional clients. The firm employs analytical tools for non-discretionary planning tailored to client goals and supports municipal and public-finance work through its affiliation with a municipal advisor.

Patrick Pannell is a financial advisor at Fidelity with 20 years of industry experience and holds the Series 66 designation. His career includes roles at Fidelity Investments, Fidelity Personal and Workplace Advisors, FIDELITY Brokerage Services LLC, New England Securities, Chase Investment Services Corp., and Ameriprise. Fidelity’s Strategic Advisers LLC, the firm with which he is affiliated, provides investment management and advisory services to retail and institutional clients, including discretionary portfolio management and fund advisory. The firm employs a combination of proprietary fundamental research and quantitative analysis, using systematic methodologies and long-term asset allocation benchmarks to construct model portfolios.

Matthew Pitrola is a financial advisor at Raymond James Financial with seven years of industry experience and holds the Series 66 designation. He previously worked at Custom Wealth Strategies and Commonwealth Financial Network. He is also president of Buffalo Financial, a support company where he manages client assets and provides financial and retirement planning services. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individual, high-net-worth, institutional, and nonprofit clients. The firm employs tailored, non-discretionary planning and analytical tools to support client goals and maintains specialized programs for municipal advisory work and SIMPLE IRA employer consulting.

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 with Raymond James Financial, holding a Series 66 designation and 11 years of industry experience. Her prior roles include positions at Bank of America Merrill Lynch and Crux Wealth Advisors, among others. She also works as a Client Services Manager at Plail Wealth Management, providing administrative support. Raymond James Financial Services Advisors, Inc. offers financial planning and investment consulting to a wide range of clients, including individuals, institutions, and charitable organizations. The firm uses analytical tools to tailor non-discretionary planning and supports municipal and public finance work through a unique affiliation with a municipal advisor.

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.

David Wolf is a financial advisor with Raymond James Financial Services Advisors Inc. in Buffalo, NY, holding Series 63 and Series 65 registrations and bringing 31 years of industry experience. He previously worked at Merrill Lynch for 22 years before joining Raymond James and Excelsior Financial in 2018. Wolf serves on the board and finance committee of The Saturn Club, a nonprofit city club in Buffalo. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, pension plans, corporations, charitable organizations, and institutions. The firm offers tailored non-discretionary planning and consulting using analytical tools and supports municipal and public finance work through a municipal advisor affiliation.

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 with Morgan Stanley Wealth Management in Orchard Park, NY, holding a Series 66 credential and 12 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2014. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and analysis. The firm manages approximately $2.74 trillion in client assets and offers services under both direct and corporate financial planning agreements.

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 at LPL Financial with 14 years of industry experience. He holds Series 63 and Series 66 credentials. Prior to joining LPL Financial in 2018, he worked at Medaille College and M&T Securities, Inc. for ten years. 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 advisory and brokerage services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

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 at LPL Financial with four years of industry experience. He holds Series 63 and Series 66 licenses and has prior experience with Northwest Bank and IRS Help. 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 other institutions through a large network of investment adviser representatives. The firm offers various financial planning and investment programs, combining wide-ranging service offerings with extensive operational and research support tools.

Jeremy Evens is a financial advisor at Cetera with 13 years of industry experience. He holds a Series 66 designation and has worked at firms including Northwestern Mutual Wealth Management Company and Citizens Bank. Outside of his advisory role, he is involved with Tragically Grateful, LLC. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services using a multi-manager platform with access to both affiliated and third-party managers.