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 in Buffalo, NY, holding Series 63 and Series 66 credentials and five years of industry experience. His prior experience includes roles at Lawley Retirement Advisors, Royal Alliance Associates/Osaic Wealth, Putnam Investments, and UBS Financial Services. Rehak is also involved with Georgetown Lawley Group, a DBA connected to his work with LPL Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, 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 research and technology tools.

Kevin Kluge is a financial advisor at Edward Jones with 23 years of industry experience. He holds the Series 63 and Series 66 designations. His previous roles include positions at Key Investment Services, Pruco Securities LLC, Prudential Insurance Company of America, Mass Mutual, and Home Depot. Edward Jones is a full-service wealth management firm serving over four million clients, including individual and institutional investors. The firm offers a range of advisory programs and investment strategies, managing approximately $1.01 trillion in assets through a nationwide network of more than 23,700 financial advisors.

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 is a Senior Financial Advisor at Merrill Lynch Wealth Management based in Buffalo. He works with individuals and small businesses to provide custom investment advice and guidance, utilizing Merrill's extensive resources and tools. Michael prioritizes client satisfaction and consistency through open communication and availability. As a specially qualified Portfolio Manager in Merrill's asset management platform, he manages personalized or defined strategies on a discretionary basis which may include individual stocks, bonds, Merrill Lynch model portfolios, and third-party strategies. He is also a Certified Fiduciary Plan Advisor (CPFA®), a designation from the National Association of Plan Advisors (NAPA). Prior to joining Merrill Lynch Wealth Management, Michael worked as a consumer lender at Wells Fargo. He holds a Bachelor's Degree from Canisius University. Michael is a native of Buffalo and resides in the Elmwood Village area with his wife Lauren and their children Grace, Charlie, and Sam. Michael participates in community activities including volunteering with the Buffalo Equestrian Center and the Buffalo Therapeutic Riding Center. His personal interests include football, golfing, ice hockey, music, reading, spending time with his family, traveling, and watching movies.

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.

Robert Wilczak is a financial advisor at Cetera with 25 years of industry experience. He holds Series 63 and Series 65 designations and has worked with Cetera since 2019, following previous roles at Foresters Financial Services and Foresters Advisory Services. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform that includes model portfolios, third-party managers, and bespoke strategies.

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.

Linda Melandinidis is a financial advisor at Merrill with 33 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Merrill Lynch, Pierce, Fenner & Smith, Inc. since 1999 and at Bank of America, N.A. since 2011. Merrill provides managed account services through its Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers model-based and discretionary investment strategies constructed by internal teams and third-party managers, with varying portfolio implementation methods tailored to client needs.

David Lyman is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has worked at Cetera since 2019 and previously with Foresters Financial Services from 2001 to 2019. Outside of his advisory role, he serves on the board of the Depew Lancaster Boys and Girls Club, volunteers with Junior Achievement in Western New York, is a high school and college basketball scorekeeper, and is a member of the Lancaster Central School District Board of Education. Cetera Investment Advisers LLC is an SEC-registered firm that supports over 10,000 advisors nationwide, serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and financial planning services through multiple program structures, including affiliated and third-party money managers, with more than $256 billion in assets under management.

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.

Daniel Meyer is a financial advisor with Cetera and holds a Series 66 designation. He has six years of industry experience, including prior roles at Edward Jones, Bank of America, and Merrill. Outside of finance, he is a non-voting member and investor in private brewery-related LLCs based in Buffalo, New York. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a variety of portfolio management and retirement services, supported by a nationwide network of over 10,000 advisors.