Wyatt Arthurs is a CFP®-credentialed financial advisor with over 20 years of industry experience, currently serving at UBS Financial Services since 2015. He holds a Series 66 license and is based in Buffalo, NY. Outside of his advisory role, he is a member of the Board of Directors for the Algonquin Campership Fund, a charitable foundation, and serves on the Board of Directors of the Cherry Hill Club in Ontario, Canada, where he is slated to become President in 2026. UBS Financial Services Inc. provides brokerage and investment advisory services to individual, corporate, and institutional clients, offering financial planning, portfolio management, and access to mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management services, leveraging proprietary research and model-based asset allocations to tailor financial strategies.

Kyle Kozlowski is a financial advisor with UBS Financial Services in Buffalo, NY, holding a Series 66 designation and 11 years of industry experience. He has been with UBS Financial Services since 2013. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor financial plans.

Ryan O'Connor is a CFP® professional with 14 years of industry experience, currently affiliated with Cetera. He previously worked for Northwestern Mutual Life Insurance Company and Northwestern Mutual Investment Management for 15 years. Outside of advisory work, he owns and operates Tragically Grateful, LLC, a business established in 2022. Cetera Investment Advisers LLC serves a diverse client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.

Kent Hilton is a financial advisor at OSAIC with 36 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at SPC and Sigma Financial Corporation for 15 years each. Outside of advising, he volunteers with the Rotary Club of Hamburg and assists a local manufacturer with trade show preparations. OSAIC Wealth serves a diverse range of retail and institutional clients through a multi-advisor platform, offering brokerage and advisory services including comprehensive financial planning and managed portfolio solutions. The firm’s investment approach focuses on model-based asset allocation and portfolio optimization supported by risk assessments and rebalancing tools.

Elena Messuro is a financial advisor at UBS Financial Services with five years of industry experience. She holds the Series 66 designation and has worked previously at GoPuff, the New York State Department of Labor, University of Kentucky, and Wegmans Food Markets. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services, providing a broad range of capital markets and advisory solutions.

Matthew Clouden is a Series 66 licensed financial advisor with LPL Financial, based in West Seneca, NY. He has three years of industry experience and previous roles at Cadaret, Grant & Co., Inc., Sgroi Financial, LLC, and several law firms. Clouden is also involved with the Sgroi Lawley Group LLC and Sgroi Wealth Advisory Group, which operate as d/b/a entities related to his LPL business. 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, and institutional platforms, utilizing both proprietary and third-party strategies.

David Siwiec is a Wealth Management Advisor affiliated with Merrill Lynch Wealth Management. He serves as the primary portfolio strategist for The DBSR Group, a boutique-style team focused on delivering personalized strategies to meet the complex needs of clients across various wealth phases. His clientele includes families, professionals, business owners, trustees, and not-for-profits. David's work involves leveraging the resources of Merrill Lynch and Bank of America to address client goals amid changing market and economic conditions. David's career in financial advising began immediately after earning his bachelor's degree from Canisius College. He started at Shearson Lehman Brothers in Buffalo, progressing through several corporate reorganizations before joining Merrill Lynch Wealth Management. He holds professional designations including Certified Portfolio Manager (CPM) and Personal Investment Advisor (PIA). David has been recognized in the Forbes Best-in-State Wealth Advisors list in both 2021 and 2022. In addition to his professional commitments, David has been actively involved in the community. His past roles include serving as President of the Bond Club of Buffalo and as a board member of the Parkside Community Association. He also volunteers with the Boys and Girls Clubs and participates in mentorship through the Canisius Golden Griffin Fund. David resides in Buffalo, New York, and enjoys spending time with his family.

Thomas Czechowski is a financial advisor with LPL Financial, holding a Series 63 license and bringing 23 years of industry experience. He has been with LPL Financial since 2003. Outside of his advisory role, he has written, composed, and recorded music that has appeared in radio, television, and films, occasionally receiving royalty payments. 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 and access to third-party asset management, delivered through a large network of investment adviser representatives.

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 licenses and has previously worked at Securities America Advisors and Securities America Inc. Schottman serves as a board member of the Buffalo Rotary Foundation and the St. Benedict School Board, and he has held leadership roles including past president of the Buffalo Rotary Club. OSAIC Wealth serves a diverse client base including retail and institutional investors, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach emphasizes model-based asset allocation and portfolio optimization with tools such as risk-tolerance questionnaires and rebalancing, supporting various managed strategies and alternative investments.

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.

David Stromecki is a ChFC® credentialed financial advisor with Cambridge Investment Research Advisors, where he has worked since 2012. He has 28 years of industry experience and also serves as president of an independent insurance agency. Outside of his advisory role, he is a volunteer firefighter and a director of the Buffalo Niagara Business Ethics Association, a nonprofit organization. Cambridge Investment Research Advisors serves individual and institutional clients through financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm operates a multi-billion dollar asset base and offers access to proprietary model strategies and unaffiliated third-party advisers.

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 licenses and was previously with Lincoln Financial Securities Corporation for 17 years. He also sells fixed annuity products and traditional life insurance. OSAIC serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients, offering a range of brokerage and advisory services. The firm uses a model-based investment process emphasizing asset allocation and portfolio optimization, supported by various tools and multiple custodial and program arrangements.

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.

Brian Kern is a financial advisor at Cetera with 12 years of industry experience. He holds a Series 66 designation and has previously worked at Avantax Investment Services, 1st Global Capital Corp, and Lumsden & McCormick, where he continues to serve as a principal providing tax advice and planning. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of over 10,000 independent advisors. The firm offers a range of portfolio management and financial planning services to individuals, retirement plans, corporate, charitable, and institutional clients, utilizing a multi-manager platform with discretionary and non-discretionary account options.

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.