William Wagner is a financial advisor with Cetera who holds a Series 63 designation and has 37 years of industry experience. He has worked at Cetera Wealth Services, LLC since 2013 and previously spent 18 years at C&M Capital, Inc. In addition to his advisory role, Wagner operates as an independent insurance agent selling disability, fixed annuities, and long-term care products. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and consulting services through a large network of independent advisors, utilizing a multi-manager platform that includes affiliated and third-party investment strategies.

Christopher Sharkey is a financial advisor with UBS Financial Services in Buffalo, NY, holding a Series 66 designation and nine years of industry experience. He has worked at UBS since 2017 and previously spent one year at AllianceBernstein. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering a broad range of capital markets services and proprietary research to support client strategies.

William Witzleben is a financial advisor at LPL Financial in Buffalo, NY, holding a Series 66 designation with 15 years of industry experience. Prior to joining LPL Financial in 2025, he has worked at M&T Bank since 2013. 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 services including financial planning, wrap and model portfolio programs, and access to third-party asset management, with advisory and brokerage solutions supported by advanced operational tools.

Hayden Mumbach is a financial advisor at LPL Financial with one year of industry experience. He holds the Series 66 designation and has prior experience with Rich Products Corporation and Sgroi Financial LLC. Outside of his advisory role, he is involved with Sgroi Lawley Group LLC, a business related to his LPL activities. 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 provides a range of advisory and brokerage services, including financial planning and access to third-party asset management, supported by technology tools for operational and research purposes.

Paul Nowakowski is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing over 25 years of experience in assisting individuals, families, businesses, and organizations with financial strategies and investment planning. He specializes in areas including family wealth management, retirement planning, investment consulting for defined contribution plans, and legacy planning. Paul is recognized as one of approximately 235 Financial Advisors nationwide designated as a Premier Retirement Benefits Consultant by Merrill Lynch. Paul holds a Bachelor of Arts degree in Political Science and Business Administration from Wittenberg University and an MBA from Embry Riddle Aeronautical University. He is a CERTIFIED FINANCIAL PLANNER™ professional and also holds the Certified Plan Fiduciary Advisor® designation. His approach emphasizes personalized financial plans tailored to clients’ priorities, with a focus on being a steward of their financial futures. Outside of his professional commitments, Paul resides in Orchard Park, New York with his wife and three children. He is a member of Orchard Park Country Club and enjoys activities such as golf, skiing, and football.

Jeffrey Vanremmen is a financial advisor at OSAIC with 40 years of industry experience. He holds a Series 63 designation and previously worked at FSC Securities Corporation for 26 years before joining OSAIC in 2023. He is also a sole proprietor insurance agent involved in life insurance sales. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers brokerage and advisory services through a multi-advisor platform, emphasizing model-based asset allocation, portfolio optimization, and various managed account strategies.

Linda Suchocki is a Series 63 licensed advisor with 35 years of industry experience, currently serving at Primerica Advisors since 1988. She has been affiliated with Primerica Financial Services since 1987. In addition to her advisory role, she manages rental property on a part-time basis. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed account options primarily to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure, focusing on retail rather than institutional clients.

Charles Kreiner Jr. is a financial advisor with UBS Financial Services in Buffalo, NY, holding a Series 63 designation and possessing 54 years of industry experience. He has been with UBS since 1992. Outside of his advisory role, Kreiner serves on several boards, including charitable organizations, health care companies, and oil and gas businesses, and is involved with community and philanthropic activities such as the Foundation for Jewish Philanthropies and Cradle Beach Camp for children. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory solutions, combining institutional trading capabilities with wealth management services. The firm’s advisory process uses proprietary research and model-based strategies to tailor financial plans aligned with clients’ goals and risk tolerances.

Brittany Cheney is a financial advisor at Wells Fargo Clearing with 14 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at LPL Financial, M&T Securities, Inc., and M&T Bank. Outside of her advisory role, she serves as a successor trustee for a family trust and is a commissioned notary in Buffalo, NY. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment management. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Eugene O'neill is a financial advisor with UBS Financial Services in Buffalo, NY, holding Series 63 and Series 66 designations and 25 years of industry experience. He has been with UBS Financial Services since 2008. Outside of his advisory role, he serves on the Board of the BYC Foundation, which funds educational sailing programs in the Buffalo area. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering a range of capital markets services and proprietary research to support tailored client strategies.

Julie Barr is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 licenses and bringing nine years of industry experience. She has worked with multiple firms over her career, including LPL Financial and Robert J. Ellis Financial Advisors, LLC. Outside of her advisory work, Barr owns and operates The Crossroads Doula, a life coaching business unrelated to financial services. 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, pension plans, corporations, and institutional investors. The firm provides tailored non-discretionary planning and consulting using risk profiling and analytical modeling, and supports institutional consulting and portfolio management through a wide network of advisors and affiliated firms.

Michael Skrzypczyk is a CFA® charterholder with five years of industry experience. He is currently affiliated with Raymond James Financial and has prior experience at Nottingham Advisors and SUNY Geneseo. Michael is based in Orchard Park, NY. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm emphasizes tailored, non-discretionary planning using analytical tools and supports a wide network of advisors and affiliated firms.

Jacob Wood is a financial advisor at Raymond James Financial with four years of industry experience. He holds the Series 66 designation and previously worked at Commonwealth Financial Network. Outside of his advisory role, he serves as Vice President of Buffalo Financial, a support company where he provides financial advice and trading services. 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, and institutional investors. The firm provides tailored, non-discretionary consulting using risk profiling and analytical tools and supports advisory programs with a focus on municipal and public finance.

Evan Wardner is a CFP® professional with 40 years of industry experience, currently affiliated with LPL Financial. He previously worked with WNY Asset Management and Cadaret, Grant & Co., Inc., and has been self-employed under Empiron Agency for over three decades. Wardner is involved with the AIM Independent Living Center in Painted Post, NY, in a non-investment capacity. 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, supported by advanced operational tools and a broad network of over 22,800 advisors.

Ann Marie Williams is a Senior Financial Advisor at Merrill Lynch Wealth Management, where she joined in January 2023 as part of the Wible, Runfola, and Miranda team. She specializes in developing financial strategies tailored to the needs of business owners, professional women in transition, and retirees. Her approach involves comprehensive planning, beginning with understanding her clients' financial needs and goals to help them achieve their ideal lifestyles in retirement. With over 20 years of experience, Ann Marie holds Series 7 and 66 FINRA registrations and insurance licenses for life, accident, and health. She earned a Bachelor of Science degree in International Business and Marketing from Rochester Institute of Technology and holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. She is a member of the National Association of Women Business Owners (NAWBO). In addition to her professional work, Ann Marie is involved with the Hospice Signature Society and Windsong Radiology. She speaks both English and French, and her personal interests include cooking, gardening, golfing, reading, swimming, tennis, and traveling.

Sean Howard is a financial advisor with UBS Financial Services in Buffalo, NY, holding a Series 66 designation and 20 years of industry experience. He has been with UBS Financial Services since 2005. Outside of his advisory role, he serves on a committee for the Food Bank of Western New York and is a partner in JMST Development LLC, which invests in commercial real estate. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, employing proprietary research and model-based asset allocations to tailor plans aligned with client goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services, offering a broad range of financial products and capital markets solutions.

Samuel Hamlett is a financial advisor with LPL Financial who holds Series 63 and Series 66 credentials and has 28 years of industry experience. Prior to joining LPL Financial in 2021, he worked at Wilmington Brokerage Services Company for 10 years and M&T Securities, Inc. for 23 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 a range of advisory and brokerage services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

James Stark is a financial advisor with LPL Financial based in Buffalo, NY, holding Series 63 and Series 66 credentials and bringing 27 years of industry experience. His prior roles include positions at M&T Bank, M&T Securities, and Eagle Strategies (NY Life). LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, 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, with advice delivered through a large network of investment adviser representatives.

Peter Johnson is a financial advisor at OSAIC with Series 63 and Series 65 credentials and 37 years of industry experience. He has worked at OSAIC since 2024, previously spending over two decades at SSN Advisory, Inc. and Securities Service Network, Inc. Outside of his advisory role, he prepares income tax returns and facilitates the creation of estate documents for clients in partnership with a local attorney. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm provides brokerage and advisory services through multiple programs, with an investment approach that emphasizes model-based asset allocation, portfolio optimization, and a variety of discretionary and third-party strategies.

Victor Tomasulo III is a financial advisor with Mass Mutual Investors Services who holds a Series 63 designation and has 30 years of industry experience. He has been with MML Investor Service Inc and MassMutual since 2005. MassMutual Investors Services 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, using firm-approved tools to develop written recommendations without discretionary authority.