Nicholas Gagliardo is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and 17 years of industry experience. He previously spent 11 years with TIAA-CREF and TIAA before joining Raymond James in 2025. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and charitable organizations, offering financial planning and non-discretionary investment consulting through various specialized programs.

Robert Burgio is a financial advisor with OSAIC, holding a Series 63 designation and 18 years of industry experience. He worked at Signator Investors, Inc. for 11 years before joining OSAIC in 2018. Outside of his advisory role, he assists his wife by signing checks for her sole proprietorship business. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers brokerage and investment advisory services, financial planning, and access to third-party money managers, utilizing asset-allocation tools and various investment vehicles to construct portfolios managed on a discretionary or non-discretionary basis.

Colette Safy is a financial advisor with OSAIC, holding a Series 66 designation and bringing 27 years of industry experience. Prior to joining OSAIC in 2018, she held roles at Signator Investors, Inc. and John Hancock Mutual Life Insurance Company. She also serves as Director of Operations at Northeastern Financial Partners, LLC. OSAIC Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and advisory services, utilizing various tools and third-party solutions to manage portfolios across diverse asset classes.

Kevin O'Connor is a financial advisor with LPL Financial based in Williamsville, NY, holding a Series 63 designation and over 31 years of industry experience. He previously worked at Cadaret, Grant & Co., Inc. for 20 years and has been involved with Buffalo Brokerage Support, Inc. since 1991, where he serves as president. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, portfolio programs, third-party asset management, and institutional platforms, supporting advisors with various investment tools and a broad array of financial services.

Sarah Cirillo is a financial advisor with Equitable Advisors holding a Series 66 credential and has two years of industry experience. Her background includes roles at Agricultural Products Extension LLC and Maxim Management Services, as well as operating Zoe Restaurant in 2023. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management programs. The firm utilizes both proprietary and third-party advisory programs and offers fiduciary services to qualified plans through credentialed representatives.

Ryan Matthews is a financial advisor with Equitable Advisors in Williamsville, NY, holding Series 63 and Series 66 licenses and eight years of industry experience. Prior to joining Equitable Advisors in 2018, he was with Axa Advisors, LLC for two years and attended the University of Pittsburgh from 2014 to 2018. Equitable Advisors serves individuals, pension plans, corporations, charitable organizations, and institutional clients by offering financial planning, retirement plan consulting, and various asset-management programs. The firm employs a range of advisory models, often implemented through third-party asset managers and advisory platforms, and provides ERISA fiduciary services to qualified plans.

Massimo Cimato is a financial advisor at Equitable Advisors with one year of industry experience. Prior to joining Equitable Advisors, he worked at National Fuel Gas Corporation and Capital Abstract Company. He serves as a board member of the Buffalo Curling Club and is a Public Notary in Erie County. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm employs a range of advisory programs delivered through its network of Investment Adviser Representatives and partners with third-party asset managers and LPL-sponsored advisory programs.

Ronald Moskala is a financial advisor with Mass Mutual Investors Services in Amherst, NY, holding a Series 63 designation and having 22 years of industry experience. He has been with Mass Mutual Investors Services and MassMutual Life Insurance Company since 2011. Outside his advisory role, he owns a seasonal vacation rental business. 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 financial planning, asset management, and educational seminars, structuring client relationships as ongoing collaborative engagements.

Michael Gimlin is a financial advisor with LPL Financial in Williamsville, NY. He holds Series 63 and Series 66 licenses and has 38 years of industry experience, including seven years at Ameriprise Financial Services. Outside of his advisory role, he owns two non-investment business entities unrelated to finance. 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 broad range of financial planning and advisory services with access to model portfolios, third-party asset management, and institutional platforms.

Debray Williams is a financial advisor at Wells Fargo Clearing with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Wells Fargo Clearing Services LLC since 2019, following prior roles at Papi Grandes and Axa Advisors, LLC. Outside of his advisory work, he serves as treasurer for Habitat for Humanity in Buffalo, NY. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a broad range of investment options including insurance-related vehicles and bank deposit sweep programs.

Michael Capizzi is a financial advisor at Morgan Stanley with four years of industry experience. He holds a Series 66 designation and has previously worked at Mass Mutual Investors Services and MassMutual Life Insurance Company. Outside of his advisory role, he owns and operates a restaurant and nightclub business and serves as a board member of the Niagara Falls School District Board of Education. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and strategic investment modeling.

Donald Halicki is a financial advisor at Equitable Advisors with 24 years of industry experience. He holds a Series 66 designation and has worked at Equitable Advisors since 2002, including its predecessor firm Axa Advisors. Halicki serves as a board member on the West Seneca Schools Finance Academy advisory board. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension plans, corporations, and charitable organizations. The firm offers a range of investment programs and fiduciary services, utilizing both proprietary and third-party solutions.

Bruno Lombardo is a CFP® with 26 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he is the Vice President of the Lakeshore Woods Homeowners Association in Lakeview, NY. Wells Fargo Advisors is a national securities firm offering investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm combines research and analytics with a broad range of financial products distributed through its bank and insurance affiliates.

Eric Rickan is a financial advisor with Morgan Stanley in Williamsville, NY, holding a Series 66 license and 16 years of industry experience. He has been with Morgan Stanley Smith Barney since 2010 and the Morgan Stanley Private Bank since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning and estate strategy services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and scenario modeling.

Melissa D'Agostino is a financial advisor at Equitable Advisors with 23 years of industry experience. She has held roles at Equitable Advisors since 2012 and previously worked at AXA Advisors, LLC. She holds the Series 63 and Series 65 licenses. Equitable Advisors serves individual clients, including both non-high-net-worth and high-net-worth individuals, as well as pension plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset-management programs, utilizing both proprietary and third-party investment solutions delivered through a broad network of Investment Adviser Representatives.

Brian Silverberg is a financial advisor affiliated with LPL Financial in Niagara Falls, NY, holding Series 63 and Series 65 licenses with 26 years of industry experience. His prior roles include positions at Cadaret, Grant & Co., Inc., Legend Advisory, LLC, and Hager Equity Group, Inc. He also conducts insurance sales of life, health, and annuities in New York through Cadaret Grant Agency and related entities. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, utilizing both proprietary and third-party strategies across discretionary and non-discretionary accounts.

Hillary Muffoletto is a financial advisor with Morgan Stanley in Williamsville, NY, holding a Series 66 designation and 10 years of industry experience. She has been with Morgan Stanley since 2015. Outside of her advisory role, she is involved with Muffoletto Farms LLC, an agricultural business. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs and uses structured financial planning tools, managing approximately $2.74 trillion in client assets.

John Hartman is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and bringing 23 years of industry experience. He has worked with Equitable Advisors since 2011, following a tenure at AxA Advisors. Hartman serves as a board member of Urban Roots Garden Coop, a nonprofit organization based in Buffalo, NY. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm delivers its services through a network of Investment Adviser Representatives, utilizing a range of advisory models and third-party asset management programs.

Colleen Fitzhenry is a CFP® with 21 years of industry experience, currently serving at MassMutual Investors Services since 2017. She previously worked at MetLife Securities Inc. and MassMutual Life Insurance Company. Fitzhenry is also involved as an insurance broker specializing in long-term care. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm offers collaborative, annual planning engagements utilizing firm-approved software and provides event-driven planning services such as divorce and estate settlement planning.

Gregory Borgosz is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and 35 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and Massachusetts Mutual Life Insurance Company since 2016. Prior to that, he spent 28 years at MetLife Securities Inc. and Metropolitan Life Insurance Company. MassMutual Investors Services is an SEC-registered broker-dealer and investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars through collaborative, annual planning relationships using firm-approved analytical tools.