James Egnatchik Jr. is a financial advisor at UBS Financial Services with 17 years of industry experience. He has been with UBS since 2015 and holds a Series 66 designation. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, including financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor plans to client goals.

Mark Stevens is a financial advisor at Cambridge Investment Research Advisors with 39 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at FSC Securities Corporation and operated his own firm, Mark Stevens Financial, LLC. Outside of finance, he is involved in acting and modeling in Brooklyn, NY. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension and profit-sharing plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement plan advisory services. The firm delivers solutions through a network of independent professionals, employing a variety of portfolio management strategies and platform arrangements tailored to client objectives.

Christen Beck is a financial advisor at Wells Fargo Clearing with 14 years of industry experience. He previously worked at M&T Securities for 15 years and M&T Bank for 21 years. Beck holds Series 63, Series 65, and Series 66 licenses. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides a range of brokerage and advisory solutions supported by in-house research and third-party analytics.

Kay Harrington is a financial advisor at Morgan Stanley with 23 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and holds Series 63 and Series 66 credentials. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides services that include but are not limited to comprehensive financial planning and estate planning strategies.

Katherine Mohney is a financial advisor at Morgan Stanley with 35 years of industry experience. She holds Series 63 and Series 65 credentials and has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank since 2015. Mohney serves on the finance committees of Episcopal Church Home & Affiliates, Inc. and Canterbury Woods, a residential continuous care facility in New York. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning and extensive investment services supported by firm-approved planning tools and strategies.

Sally Abell is a Wealth Management Advisor with Merrill Lynch Wealth Management based in Buffalo, New York. She has been in the financial services industry since 1984 and joined Merrill Lynch in 2006. Sally specializes in managing portfolios for high net worth individuals and their families, helping them generate cash flow and increase wealth through customized investment strategies. Her expertise includes personal retirement planning, portfolio management services, tax minimization, retirement income, and addressing the unique needs of women and wealth. Sally holds a Bachelor of Science degree in engineering from the State University of New York at Buffalo, earned in 1981. She obtained the Chartered Financial Analyst® (CFA®) designation in 1996 and is a Personal Investment Advisor (PIA). She is also a co-founder and former president of the CFA Society of Buffalo. Sally is a qualified Portfolio Manager and utilizes a range of investment approaches, including individual stocks and bonds, Merrill model portfolios, and third-party strategies. When servicing clients through the Investment Advisory Program, she may manage portfolios on a discretionary basis. Outside of her professional role, Sally is involved with St. Paul's Lutheran Church and enjoys biking, reading, singing, tennis, traveling, and spending time with her family. She lives in Buffalo with her husband and their two children.

Adam Hedberg is a financial advisor at Edelman Financial Engines with two years of industry experience. Prior to joining the firm, he served ten years with the Buffalo Police Department and worked at NOCO Energy Crop for one year. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm combines a committee-driven modeling process with planner delivery and online tools, offering diversified model portfolios, discretionary and non-discretionary management, and serves approximately 477,000 clients with a broad range of investment solutions.

Gregory Merkle is a financial advisor with Osaic, holding a Series 63 designation and bringing 37 years of industry experience. Prior to joining Osaic in 2023, he spent 14 years at FSC Securities Corporation. Outside of his advisory role, Merkle serves on multiple nonprofit boards, including the Boys and Girls Club of Elma, Marilla, and Wales, and holds leadership positions such as president of the Iroquois Foundation and the Greater Buffalo United States Bowling Congress Association; he is also a licensed ordained minister and works as an umpire for local softball games. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of advisers and multi-platform services. The firm utilizes various asset-allocation tools and third-party solutions to manage portfolios comprising stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Kim Mahoney is a financial advisor with Merrill in Buffalo, NY, holding a Series 66 designation and 18 years of industry experience. She has been with Merrill Lynch since 1993, totaling 33 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Aaron Rybak is a financial advisor with Cetera who holds Series 63 and Series 65 credentials and has 11 years of industry experience. He has worked with Cetera and its affiliated entities since 2019 and previously was with Foresters Financial Services. Outside of his advisory role, he coaches junior varsity football. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a large nationwide 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.

Sara Dayton is a financial advisor with Cetera, holding a Series 66 designation and 12 years of industry experience. Her work history includes roles at Avantax Advisory Services, 1st Global Capital Corp, and she is a partner at Lumsden & McCormick Financial Services, LLC. Dayton serves as Board Treasurer for the Buffalo-Erie Marathon Association, a nonprofit organization involved in race planning and fundraising. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and advisory services through a nationwide network of independent advisors and employs a multi-manager platform with multiple program options and custodial relationships.

Paul D'ostroph III is a financial advisor with Equitable Advisors, holding Series 63 and Series 66 credentials and 21 years of industry experience. He has been with Equitable Advisors since 2004 and previously worked at AXA Advisors. In addition to his advisory role, he serves as an administrator or executor of estates and trusts for clients. Equitable Advisors serves a range of clients including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and asset management programs. The firm utilizes third-party asset managers and advisory programs, providing services that include mutual funds, ETFs, separately managed accounts, and ERISA fiduciary services without sponsoring its own wrap fee program.

James Willson is a financial advisor at OSAIC with 40 years of industry experience. He holds a Series 63 designation and has worked previously at FSC Securities, Raymond James Financial Services Advisors, and Scheff Thompson Cress Investment Group. Willson is also licensed to sell life insurance and annuities. OSAIC serves a diverse client base that includes individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of integrated brokerage and advisory services, employing various asset-allocation tools and third-party platforms to construct and manage customized portfolios.

Patricia Wallaitis is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 23 years of industry experience. She worked at M&T Securities for 18 years and has been associated with M&T Bank for over 30 years. Wallaitis has been with LPL Financial since 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 wide range of advisory and brokerage services, utilizing model portfolios, third-party subadvisors, and customized investment strategies.

John Jesonowski is a financial advisor with OSAIC who holds Series 63 and Series 65 licenses and has 30 years of industry experience. He has worked with several firms including Royal Alliance Associates, Inc. and Royal Financial Group, where he is a partner. Jesonowski also offers life insurance and fixed annuities through multiple fixed carriers. OSAIC serves a diverse client base including individual investors, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing various investment approaches and third-party platforms to manage portfolios that may include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Jennifer York Whitbeck is a financial advisor with Raymond James & Associates in Buffalo, NY, holding Series 63 and Series 66 licenses with 30 years of industry experience. She has been with Raymond James & Associates since 2014. Raymond James & Associates, Inc. is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional and pension plans, and municipal entities, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

Timothy Clouden is a financial advisor with LPL Financial based in Orchard Park, NY. He holds Series 63 and Series 65 licenses and has 18 years of industry experience, including 14 years at M&T Securities prior to joining LPL Financial. 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 advisory and brokerage services supported by both proprietary and third-party investment strategies, and maintains a broad platform that includes financial planning and institutional programs.

Guy Porter is a financial advisor at Edward Jones in Lancaster, NY, holding a Series 66 designation with 14 years of industry experience. He has been with Edward Jones since 2011. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

David Hirschbine is a financial advisor with LPL Financial based in Hamburg, NY, holding Series 63 and 65 licenses and bringing 18 years of industry experience. He has been affiliated with LPL Financial since 2010 and has worked at Northwest Bank since 2016. 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 provides a range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset managers, supported by various technological and operational tools.

Anthony Orange is a financial advisor with Merrill in Buffalo, NY, holding a Series 66 designation and 10 years of industry experience. He has worked at Bank of America, N.A. and Merrill since 2016. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.