James Wiatrowski is a financial advisor with Primerica Advisors in Buffalo, NY, holding Series 63 and Series 65 registrations and bringing 25 years of industry experience. He has worked at PFS Investments Inc. since 2011 and has been co-owner of Silver Creek Holding Corporation since 2006. Outside of his advisory role, he is involved in the tax preparation business through Silver Creek Holding Corporation and participates in referral activities related to home security and automation products. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Keith Schottman is a financial advisor at Osaic with 19 years of industry experience. He holds Series 63 and Series 66 designations and worked previously at Securities America Advisors and Securities America Inc. for 14 years. Schottman serves as a board member and past president of the Buffalo Rotary Club, as well as holding positions on the Buffalo Rotary Foundation board, the St Benedict School Board, and the Supervisory Committee of the Town of Cheektowaga Employees Federal Credit Union. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct diversified portfolios, which can be managed on discretionary or non-discretionary bases.

Salpi Doering is a financial advisor with Morgan Stanley in Buffalo, NY, holding Series 63 and Series 65 licenses and 20 years of industry experience. Her career includes roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC since 2016, as well as positions at Bank of America and Merrill from 2014 to 2016. Morgan Stanley Wealth Management serves both individual and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm utilizes structured planning tools and firm-approved methodologies to support clients, managing approximately $2.74 trillion in client assets.

Joseph Gunning is a financial advisor with LPL Financial in Hamburg, NY, holding a Series 63 designation and 16 years of industry experience. He has worked at Davis Financial and Cadaret, Grant & Co., Inc. Prior to joining LPL Financial, he maintained a DBA business entity under Davis Financial Service. He also is a licensed notary and a producer of non-variable insurance products. 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, third-party asset management, and institutional platforms, supported by both discretionary and non-discretionary strategies.

Bryan Carr is a financial advisor with LPL Financial, holding a Series 66 designation and entering his advisory career in 2024. Prior to joining LPL Financial, he worked at Cadaret Grant and has experience in media sales and educational services, including operating a Mathnasium franchise for six years. He spent over two decades at The Buffalo News, a Berkshire Hathaway company. 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 variety of financial planning and investment management services, utilizing model portfolios, third-party subadvisors, and customized strategies.

Denise Williams is a financial advisor at Merrill with 24 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Merrill Lynch since 2008. 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. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

David Stromecki is a ChFC® with 28 years of industry experience, currently serving at Cambridge Investment Research Advisors since 2012. He is president of Brown & Stromecki Agency Inc., an independent insurance firm, and is active as a volunteer firefighter and a director with the Buffalo Niagara Business Ethics Association. Additionally, he serves as a New York State ambassador for the Hunt of a Lifetime Foundation. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm offers a range of financial planning, investment management, and retirement advisory services through a network of independent professionals using various portfolio management and model-based solutions.

James Gallagher is a financial advisor at Merrill with 23 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Merrill, Merrill Lynch, Pierce, Fenner & Smith, and Bank of America over the course of his career. He is based in Buffalo, NY. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies supported by internal and third-party managers for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Richard Turner is a financial advisor at OSAIC with 42 years of industry experience. He holds Series 63 and Series 65 designations and previously worked for Lincoln Financial Securities Corporation for 17 years. Outside of advising, he is licensed to sell fixed annuity products and traditional life insurance. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools and supports both discretionary and non-discretionary portfolio management across a range of investment products.

John Scott is a financial advisor with LPL Financial in Buffalo, NY. He holds the Series 66 designation and has experience working at LPL Financial since 2026 and concurrently at M&T Bank since 2015. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers various financial planning and investment management services, utilizing a range of portfolio strategies and technology tools to support its network of over 22,800 advisors.

John Zuchlewski is a financial advisor with LPL Financial in Buffalo, NY, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has worked with Manufacturers and Traders Trust Company and M&T Securities, Inc. since 1989 and joined 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 other institutions. The firm offers a range of financial planning and asset management services delivered through a large network of advisors, utilizing various investment strategies and technology tools.

Kathleen Kumm is a financial advisor at UBS Financial Services with 37 years of industry experience. She has been with UBS since 1995 and holds Series 63 and Series 65 licenses. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, offering proprietary research and integrated capital markets solutions.

James Winnert is a financial advisor with Wells Fargo Clearing, holding Series 63, 65, and 66 licenses and bringing 29 years of industry experience. His prior roles include positions at LPL Financial and M&T Bank. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering IPS-driven investment advice and discretionary management options. The firm’s approach includes a broad range of financial products, such as insurance-related vehicles and bank deposit sweep options, alongside traditional investment offerings.

George Gable is a financial advisor with Primerica Advisors in Tonawanda, NY, holding a Series 63 designation and over 32 years of industry experience. He has been with Primerica Advisors since 1993 and has worked with Primerica Financial Services since 1992. Outside of advisory services, he is involved in sales of loan products and home-related services referrals through affiliated Primerica companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which provides model-delivery strategies and a limited number of separately managed account options primarily to individual and high-net-worth clients. The firm uses third-party asset managers and employs a tiered wrap fee structure, focusing on curated model portfolios rather than institutional plan management.

Vincent Di Stefano is a financial advisor at Raymond James Financial with 28 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Merrill Lynch and Bank of America. He is the sole owner and president of Ancile Advisors, a support company based in Orchard Park, NY. 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 institutional clients. The firm offers tailored, non-discretionary planning and employs analytical tools to illustrate potential outcomes, supporting implementation through advisory programs and partnerships.

Amanda Velarde is a financial advisor with Merrill in Buffalo, NY, holding the Series 66 designation and possessing eight years of industry experience. She has been with Merrill since 2010, totaling sixteen years at the firm. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Jacob Strusa is a financial advisor with LPL Financial and holds a Series 66 designation. He has three years of industry experience and previously worked at Cadaret Grant & Co., Inc. and Park Avenue Securities. Outside of his advisory role, he is involved with ClearPlan Financial, Inc., a business affiliated with LPL. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves 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, and institutional platforms.

Teri Syracuse is a financial advisor with Morgan Stanley in Buffalo, NY, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. Her career includes roles at Morgan Stanley Smith Barney since 2009 and Citigroup Global Markets since 2007. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm‑approved tools and research. The firm manages approximately $2.74 trillion in client assets and delivers services through its Financial Advisors and Estate Planning Strategies Group.

Mary Mc Cafferty is a CFP® professional with 24 years of industry experience, currently affiliated with Raymond James Financial Services Advisors, Inc. She previously worked at Lincoln Financial Advisors Corporation for 19 years and has been involved with Custom Wealth Strategies since 2021. Her non-investment-related involvement with Custom Wealth Strategies reflects additional business activities beyond her advisory role. 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, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using risk profiling and analytical tools, and supports advisory programs with a focus on technology and municipal advisory services.

Leslie Zoerb is a financial advisor with Merrill in Buffalo, NY, holding Series 63 and Series 66 registrations and bringing 26 years of industry experience. Zoerb has been with Merrill Lynch, Pierce, Fenner & Smith, Inc. since 1998. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.