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.

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.

Melissa Smith is a financial advisor with LPL Enterprise holding a Series 66 designation and has been with the firm since 2026. Her prior work experience includes roles outside the financial industry at companies such as New Era Cap and Sherwin Williams. LPL Enterprise, LLC offers investment advisory and brokerage services to a diverse client base including individual and high-net-worth investors, retirement plans, and corporate and charitable entities. The firm employs a model-driven investment approach and provides access to third-party asset managers, financial planning, and various affiliated trust and insurance services.

Peter Trigg is a financial advisor with UBS Financial Services in Buffalo, NY, holding Series 63 and Series 65 credentials and bringing 36 years of industry experience. He has worked at UBS since 2007 and has been with Mcdonald Investments Inc. since 1998. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client strategies.

Justin Wainwright is a financial advisor with LPL Financial holding a Series 66 credential and five years of industry experience. His career includes roles at M&T Bank, KeyBank NA, CitiGroup, and Morgan Stanley. He is based in Buffalo, NY. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Justin La Rosa is a financial advisor with Mass Mutual Investors Services in Orchard Park, NY, holding Series 65 and Series 66 licenses and having five years of industry experience. His background includes roles at Mass Mutual Life Insurance and multiple school districts. Outside of his advisory work, he is involved as an insurance broker and serves as a strength and nutrition advisor, providing tailored training programs and guided workouts. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual that provides financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm’s approach includes collaborative, annual planning engagements using firm-approved tools to analyze client goals, with implementation of recommendations requiring separate arrangements.

Chau Casillas is a financial advisor at LPL Enterprise with a Series 66 credential and two years of industry experience. Prior to joining LPL Enterprise, Casillas worked at The Prudential Insurance Company of America and Pruco Securities LLC. Outside of finance, Casillas has experience managing a small business, Divine Nail Spa Inc. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, and institutions. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, with notable offerings that include trustee services and insurance products through affiliated entities.

Mary Setter is a financial advisor with LPL Financial in Buffalo, NY, holding Series 63 and Series 65 licenses and 11 years of industry experience. She also provides financial planning and consulting services through Lawley Retirement Advisors, an independent registered investment advisory firm she started in 2025. 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 supports its network with a range of investment programs and utilizes various operational and research tools to assist its advisors.

Daniel Di Natale is a financial advisor with LPL Financial in Buffalo, NY. He holds Series 63 and Series 65 licenses and has eight years of industry experience. His prior roles include positions at M&T Securities and M&T Bank, where he has worked 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 offers a range of advisory and brokerage services through a large network of investment adviser representatives, utilizing various model portfolios, third-party subadvisors, and customized strategies.

Matthew Scheff is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and three years of industry experience. His prior roles include positions at Cadaret, Grant & Co., Inc., Scheff Thompson Cress Investment Group, Raymond James Financial Services, Inc., and ACV Auctions. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm provides advisory and brokerage services through a large network of investment adviser representatives, offering a range of investment strategies and financial planning solutions.

Miche Needham is a financial advisor at Cetera with 12 years of industry experience and holds a Series 66 designation. She has previously worked at Avantax Investment Services, Avantax Advisory Services, and 1st Global Capital Corp. Outside of her advisory role, she serves as Chair of the Board of Directors for the Buffalo and Erie County Botanical Gardens Society, a living museum focused on plant collection, education, and research. Cetera Investment Advisers LLC is an SEC-registered firm that provides a multi-manager platform and a wide range of investment and retirement services to individual, corporate, charitable, and institutional clients through a large network of independent advisors.

Frank Antonucci is a CFP® professional with 46 years of industry experience, currently affiliated with LPL Financial. He has worked at Linsco/Private Ledger Corp. since 1993. His other business activities include providing non-variable insurance products such as life, disability, long-term health care, and fixed annuities. 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 and access to third-party asset managers, supported by technology tools and a broad non-advisory financial services platform.

David Eno is a financial advisor with OSAIC based in West Seneca, NY, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has been associated with Royal Alliance Associates, Inc., Royal Financial Group, and United Securities Alliance since 2003. In addition to advisory roles, Eno offers life insurance and fixed annuities to clients as part of their financial planning strategies. OSAIC Wealth serves a diverse client base including retail and institutional investors, offering brokerage and advisory services through a multi-advisor platform. The firm uses model-based asset allocation and portfolio optimization, supporting a range of investment programs and third-party manager options.

J. Austin Houlding is a Senior Vice President and Senior Financial Advisor at Merrill Lynch Wealth Management. He has been with Merrill Lynch since 2009, advising accomplished clients and their families across the United States on wealth preservation, transfer, and stewardship. Within his team, he oversees business plan design and implementation, and manages fixed income portfolios. Austin holds both a Bachelor of Science degree and a Master of Science degree in International Business from D’Youville College. He holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). His areas of expertise include executive compensation, equity compensation services, family wealth management strategies, institutional and corporate benefit services, personal retirement planning, and more. He has been involved with the United Way of Buffalo and Erie County, having previously served as Vice Chair. In his personal time, Austin enjoys golfing, tennis, and spending time with his family.

Jeffrey Zaffino is a financial advisor at UBS Financial Services with eight years of industry experience. He has worked at UBS since 2017 and previously spent eight years at Arch Capital Group Ltd. Jeffrey holds the Series 66 designation and is based in Buffalo, NY. 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, leveraging proprietary research and model-based asset allocations to tailor strategies to clients’ goals and risk tolerances.

Scott Mcbride is a financial advisor at LPL Financial with 18 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at M&T Securities for six years before joining LPL Financial in 2018. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers various advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.