Gabriel Martinez Rivera is a financial advisor with LPL Financial in Williamsville, NY, holding Series 63 and Series 65 licenses and three years of industry experience. His prior roles include positions at Canal Bank, Equitable Advisors, Key Bank, and Northwest Bank. Outside of his advisory work, he is employed at Tops Friendly Markets. 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 portfolios, third-party asset management, and institutional platforms, with a focus on providing both discretionary and non-discretionary strategies supported by research and technology tools.

Timothy Mcnamara is a financial advisor at Morgan Stanley with 48 years of industry experience. He holds Series 63, 65, and 66 licenses and has worked at firms including UBS Financial Services and Merrill prior to joining Morgan Stanley. He serves as an officer of The Murphy Fund, a charitable organization that makes donations to those in need. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by its Global Investment Committee.

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.

Michelle Semrau is a financial advisor with Morgan Stanley in Williamsville, NY, holding Series 63 and Series 66 designations and bringing 26 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. 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, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Elizabeth Grabiec is a financial advisor at Morgan Stanley with 29 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds Series 63 and Series 66 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning supported by structured discovery processes and proprietary planning tools.

Mark Johnson is a CFP® and ChFC® with 27 years of experience in financial services. He is currently with Cetera and has held various roles at affiliated and related firms since 2016. Outside of his advisory work, Johnson serves as a trustee for Niagara Lutheran Health Care System and as a director of the Clarence Chamber of Commerce. Cetera Investment Advisers LLC provides a multi-manager platform serving individuals, retirement plans, corporate and charitable clients, and institutional accounts, offering a range of investment management and financial planning services through a nationwide network of independent advisors.

Justin Chatelle is a financial advisor with Cetera based in Williamsville, NY, holding a Series 66 designation and one year of industry experience. Prior to joining Cetera, he worked at Ogorek Wealth Management for eight years and had a four-year tenure at Consumers Beverages. He is also affiliated with CCR Wealth Management LLC, where he provides financial services. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable organizations, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, managing over $256 billion in assets through more than 10,000 advisors.

Sandra Anderson is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and 26 years of industry experience. She has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Outside of her advisory role, Anderson has experience as a sales representative for Avon Products and has worked in retail cashiering at Kohl’s. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and employs over 14,000 financial advisors, offering both brokerage and advisory solutions.

James Honaker is a CFP® professional with 24 years of industry experience, currently serving at OSAIC since 2025. He previously worked for Lincoln Financial Advisors Corp. for 22 years and PI-MAC Corporation for 30 years. Honaker is a Certified Divorce Financial Analyst and occasionally teaches college planning. He also serves as a board member for Bristol Village, a senior living community. OSAIC Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisers and multiple platforms. The firm offers integrated brokerage and advisory services and uses various tools and third-party solutions to manage diversified portfolios adaptable to clients’ investment restrictions.

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.

Nicholas Gagliardo is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and 17 years of industry experience. He previously spent 11 years with TIAA-CREF and TIAA before joining Raymond James in 2025. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and charitable organizations, offering financial planning and non-discretionary investment consulting through various specialized programs.

Robert Burgio is a financial advisor with OSAIC, holding a Series 63 designation and 18 years of industry experience. He worked at Signator Investors, Inc. for 11 years before joining OSAIC in 2018. Outside of his advisory role, he assists his wife by signing checks for her sole proprietorship business. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers brokerage and investment advisory services, financial planning, and access to third-party money managers, utilizing asset-allocation tools and various investment vehicles to construct portfolios managed on a discretionary or non-discretionary basis.

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.

Colette Safy is a financial advisor with OSAIC, holding a Series 66 designation and bringing 27 years of industry experience. Prior to joining OSAIC in 2018, she held roles at Signator Investors, Inc. and John Hancock Mutual Life Insurance Company. She also serves as Director of Operations at Northeastern Financial Partners, LLC. OSAIC Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and advisory services, utilizing various tools and third-party solutions to manage portfolios across diverse asset classes.

Kevin O'Connor is a financial advisor with LPL Financial based in Williamsville, NY, holding a Series 63 designation and over 31 years of industry experience. He previously worked at Cadaret, Grant & Co., Inc. for 20 years and has been involved with Buffalo Brokerage Support, Inc. since 1991, where he serves as president. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, portfolio programs, third-party asset management, and institutional platforms, supporting advisors with various investment tools and a broad array of financial services.

Sarah Cirillo is a financial advisor with Equitable Advisors holding a Series 66 credential and has two years of industry experience. Her background includes roles at Agricultural Products Extension LLC and Maxim Management Services, as well as operating Zoe Restaurant in 2023. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management programs. The firm utilizes both proprietary and third-party advisory programs and offers fiduciary services to qualified plans through credentialed representatives.

Ryan Matthews is a financial advisor with Equitable Advisors in Williamsville, NY, holding Series 63 and Series 66 licenses and eight years of industry experience. Prior to joining Equitable Advisors in 2018, he was with Axa Advisors, LLC for two years and attended the University of Pittsburgh from 2014 to 2018. Equitable Advisors serves individuals, pension plans, corporations, charitable organizations, and institutional clients by offering financial planning, retirement plan consulting, and various asset-management programs. The firm employs a range of advisory models, often implemented through third-party asset managers and advisory platforms, and provides ERISA fiduciary services to qualified plans.

Massimo Cimato is a financial advisor at Equitable Advisors with one year of industry experience. Prior to joining Equitable Advisors, he worked at National Fuel Gas Corporation and Capital Abstract Company. He serves as a board member of the Buffalo Curling Club and is a Public Notary in Erie County. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm employs a range of advisory programs delivered through its network of Investment Adviser Representatives and partners with third-party asset managers and LPL-sponsored advisory programs.

Michael Gimlin is a financial advisor with LPL Financial in Williamsville, NY. He holds Series 63 and Series 66 licenses and has 38 years of industry experience, including seven years at Ameriprise Financial Services. Outside of his advisory role, he owns two non-investment business entities unrelated to finance. 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 broad range of financial planning and advisory services with access to model portfolios, third-party asset management, and institutional platforms.

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.