Nicholas Wojnar is a financial advisor with Equitable Advisors in Williamsville, NY, holding Series 63 and Series 65 licenses and eight years of industry experience. He has worked at Equitable Advisors since 2018 and was previously with Axa Advisors. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset management through a network of Investment Adviser Representatives and third-party asset managers.

James Tyrpak is a financial advisor at Cambridge Investment Research Advisors with 42 years of industry experience. He holds the ChFC®, Series 63, and Series 65 designations. Tyrpak has been with Cambridge Investment Research Advisors since 2012 and also operates Tyrpak Financial Associates, Inc., where he has worked since 1992. He serves as a board member of a local condominium association. Cambridge Investment Research Advisors is a large SEC-registered adviser that serves individuals, pension and profit-sharing plans, charitable organizations, trusts, estates, and other retirement-plan sponsors. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services delivered through a network of independent Financial Professionals, utilizing a range of portfolio management strategies and custody platforms tailored to client objectives.

James Carey is a financial advisor with Edward Jones in Tonawanda, NY, holding a Series 63 designation and 21 years of industry experience. He has been with Edward Jones since 2004. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large network of advisors and branch offices nationwide.

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, Reece held positions in the fitness and hospitality sectors. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement-income planning, including tax-aware withdrawal strategies and Social Security claiming options. The firm’s approach involves a centralized team and proprietary research tools, with recommendations implemented non-discretionarily by clients or their advisors.

Andrew Gradolph is a financial advisor with Equitable Advisors in Williamsville, NY, holding Series 63 and Series 65 licenses and three years of industry experience. Prior to joining Equitable Advisors in 2023, he held various roles including positions at Buffalo State University and Gannon University. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, and charitable organizations with financial planning, retirement consulting, and asset management programs. The firm’s approach involves matching clients to advisory models or discretionary managers, utilizing both proprietary and third-party solutions, including mutual funds, ETFs, separately managed accounts, and alternative investments.

Matthew Newman is a financial advisor with OSAIC, holding a Series 63 designation and bringing 30 years of industry experience. He has worked at OSAIC since 2024 and previously spent 17 years with Securities America Advisors, Inc. and Securities America, Inc. Newman is also involved in insurance product sales through L&M Financial Services. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charities. The firm offers a range of investment advisory and financial planning services utilizing various tools and third-party platforms to construct diversified portfolios tailored to client needs.

Michelle Scrivani is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and 18 years of industry experience. She previously worked at M&T Securities and M&T Bank before joining LPL Financial. Scrivani serves as secretary on the board of Crown Agency Inc., a nonprofit organization in Buffalo, NY. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of financial planning and investment management solutions, utilizing models and third-party subadvisors alongside advisory technology tools.

Martin Steck is a financial advisor at Mass Mutual Investors Services with 39 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and previously spent 30 years with Metlife Securities Inc. Steck holds a Series 63 designation. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, emphasizing collaborative, goal-oriented planning without investment discretion.

Alfred Leto is a financial advisor with Primerica Advisors in Amherst, NY, holding a Series 63 designation and 23 years of industry experience. He has worked with PFS Investments Inc. and Primerica Financial Services since 2001. In addition to his advisory role, he is involved in the sale of non-investment related products such as home security and automation through affiliated companies. Primerica Advisors provides discretionary asset management primarily to individual and high-net-worth clients through its Lifetime Investment Program, which offers model-delivery strategies and a limited number of separately managed account options. The firm employs third-party asset managers and uses a tiered wrap fee structure distinct from fixed-fee billing.

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.

Stephen Raglow De Franco is a financial advisor with LPL Financial in Niagara Falls, NY, holding Series 63 and Series 65 credentials and 28 years of industry experience. His prior roles include positions at Ameriprise Financial Services, Inc. and International Assets Advisory, LLC. He is involved with Confident Trust Financial Group, a business entity related to his LPL work. 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 financial planning, model portfolios, third-party asset management access, retirement advice, and institutional platforms, supporting a wide range of investment strategies and leveraging technology tools for operational support.

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.

Jacob Rosen is a financial advisor at Osaic Wealth, Inc. with eight years of industry experience and holds a Series 66 designation. He has worked at Osaic since 2024 and concurrently operates L&M Financial, which he founded in 2017. Outside of finance, Rosen is involved in hockey coaching, serving as head coach of the 18U AA Lockport Lockmonsters team and assistant coach at Williamsville North High School, as well as president of Moncell Hockey, a hockey training company. Osaic Wealth, Inc. serves a diverse client base including individual and institutional investors, offering integrated brokerage and advisory services, financial planning, and access to various managed account platforms. The firm utilizes proprietary asset-allocation tools and multiple third-party platforms to manage portfolios across a wide range of investment vehicles.

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.

John Moshides is a financial advisor with MassMutual Investors Services who holds a Series 63 designation and has 43 years of experience in the industry. His prior work includes roles at Metlife Securities Inc. and MassMutual Life Insurance Company. Outside of his advisory work, he is involved in writing, speaking engagements, consulting, and facilitating introductions for mergers and acquisitions. 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 provides ongoing financial planning, asset management, and educational seminars, employing firm-approved tools to analyze client goals and deliver written recommendations.

Christopher Phillips is a financial advisor at OSAIC with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Cetera and Foresters Advisory Services. Outside of advising, he manages operations at Atlas Wealth Advisors LLC and is involved in the sales and service of fixed insurance and annuities. OSAIC Wealth, Inc. serves a diverse client base including individuals, institutions, and charitable organizations through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services with a focus on using asset-allocation tools and third-party platforms to construct diversified portfolios.

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.