Michael Kazinski is a financial advisor with Wells Fargo Advisors in Buffalo, NY, holding Series 63 and Series 65 credentials and possessing 39 years of industry experience. He has been with Wells Fargo Advisors since 2009 and also owns a significant interest in PKK Wealth Management, LLC, where he is actively involved. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, providing investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services, including specialized areas such as business-owner transition and special-needs planning, supported by proprietary research and planning tools.

Donald Kohnstamm is a financial advisor at Cetera with 58 years of industry experience. He holds a Series 63 designation and has worked at Cetera Wealth Services since 2013, with prior experience dating back to 1973 at Desmon & Kohnstamm Inc. He serves as president and owner of Desmon & Kohnstamm, Inc., an insurance-related business, and is a board member and governance committee member of the Foundation for Jewish Philanthropies. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. It offers a multi-manager platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Timothy Winterhalter is a financial advisor with Wells Fargo Advisors in Orchard Park, NY, holding a Series 63 designation and 28 years of industry experience. He has been with Wells Fargo Advisors since 2019 and previously worked at Wells Fargo Clearing from 2016 to 2019. Outside of his advisory role, he serves as a member of the Orchard Park Recreation Commission, supporting local recreational activities and facilities. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and fee-based financial planning services to individuals, trusts, and institutions. The firm provides tailored recommendations using proprietary research and tools across a broad range of planning topics, with clients having flexibility in implementing these recommendations through various brokerage or advisory programs.

Joshua Rohrer is a financial advisor with Raymond James Financial in Buffalo, NY, holding a Series 66 designation and bringing two years of industry experience. Prior to joining Raymond James, he spent over a decade at NCH Corporation / Certified Labs. He also works as an associate at Accreux Wealth Management, focusing on client relationship management. 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, pension plans, corporations, and institutional investors. The firm employs tailored, non-discretionary planning approaches using risk profiling and modeling tools and offers specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Kyle Kazinski is a financial advisor with Wells Fargo Advisors in Buffalo, NY, holding a Series 66 designation and 11 years of industry experience. He has been with Wells Fargo Advisors since 2013. Outside of his work at the firm, he has an ownership interest in PKK Wealth Management LLC, where he dedicates part of his time. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services tailored to clients who meet certain net-worth thresholds, with recommendations supported by Wells Fargo research and planning tools.

Louis Gebhard is a financial advisor at Edelman Financial Engines in Orchard Park, NY, holding Series 63 and Series 65 licenses with 20 years of industry experience. His prior experience includes roles at John Hancock, NORTHWEST Bank, New York Life, and Modern Wealth Management, LLC. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm combines proprietary modeling with planner guidance and online tools, offering diversified portfolios and long-term investment approaches while managing approximately $326 billion for over 477,000 clients.

Diane Bookhagen is a financial advisor with Primerica Advisors, holding a Series 63 designation and bringing 23 years of industry experience. She has worked with PFS Investments Inc. and Primerica Financial Services since the early 2000s and serves as a self-employed contractor at Erie County Medical Center. Diane is also a member of the Board of Directors for Presbyterian Senior Care of Western New York. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, focusing on model-delivery strategies and discretionary separately managed accounts for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure rather than fixed fees.

Michael Emser is a CFP®-designated financial advisor with 40 years of industry experience. He is currently with Raymond James Financial Services Advisors, Inc. and has previously worked with Crux Wealth Advisors, LLC, Wealth Future, Inc., and United Planner Financial Services. In addition to his advisory roles, he consults independently on financial planning through Plail Wealth Management. 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, institutions, and charitable organizations. The firm uses analytical tools such as deterministic and probability modeling to tailor non-discretionary planning and investment consulting to client goals, and supports municipal and public-finance work through specialized affiliations.

Bryan Staniszewski is a CFP® and PFS™ credentialed financial advisor with 22 years of industry experience. He is currently with Cetera and has previously worked at Ameriprise Financial Services LLC, Avantax Investment Services, Inc., and 1st Global Capital Corp. In addition to his advisory role, he owns a tax service business that provides bookkeeping, tax preparation, and consulting. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with diverse portfolio management and financial planning options, supported by a nationwide network of over 10,000 advisors.

Tyler Sacco is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and two years of industry experience. His prior work includes roles at Beck Financial Group and Commonwealth Financial Network. He is a co-owner of Sacco and Beck LLC, a private investment business focused on managing and remodeling a second business location 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, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning using analytical tools and supports municipal and public finance work through a unique municipal advisor affiliation.

Jeffery Kruszka Jr. is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. He has four years of industry experience and has worked at several firms, including Wealth Advisors Network, Inc. and Cambridge Investment Research Inc. In addition to his advisory work, he is a partner at Brock, Schechter & Polakoff, LLP, a public accounting firm specializing in tax compliance and planning services. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational programs using firm-approved software tools and structuring engagements as annual collaborative relationships.

Patricia Hudson is a CFP® credentialed financial advisor with 30 years of industry experience. She is currently with Ameriprise, where she has worked for one year, following five years at LPL Financial and 18 years at M&T Securities. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement-income planning through written Recommendation Reports and ongoing advice, utilizing proprietary research and algorithmic tools.

William Wagner is a financial advisor with Cetera who holds a Series 63 designation and has 37 years of industry experience. He has worked at Cetera Wealth Services, LLC since 2013 and previously spent 18 years at C&M Capital, Inc. In addition to his advisory role, Wagner operates as an independent insurance agent selling disability, fixed annuities, and long-term care products. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and consulting services through a large network of independent advisors, utilizing a multi-manager platform that includes affiliated and third-party investment strategies.

Christopher Sharkey is a financial advisor with UBS Financial Services in Buffalo, NY, holding a Series 66 designation and nine years of industry experience. He has worked at UBS since 2017 and previously spent one year at AllianceBernstein. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering a broad range of capital markets services and proprietary research to support client strategies.

William Witzleben is a financial advisor at LPL Financial in Buffalo, NY, holding a Series 66 designation with 15 years of industry experience. Prior to joining LPL Financial in 2025, he has worked at M&T Bank since 2013. 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 services including financial planning, wrap and model portfolio programs, and access to third-party asset management, with advisory and brokerage solutions supported by advanced operational tools.

Hayden Mumbach is a financial advisor at LPL Financial with one year of industry experience. He holds the Series 66 designation and has prior experience with Rich Products Corporation and Sgroi Financial LLC. Outside of his advisory role, he is involved with Sgroi Lawley Group LLC, a business related to his LPL activities. 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 provides a range of advisory and brokerage services, including financial planning and access to third-party asset management, supported by technology tools for operational and research purposes.

Lacey Dale is a financial advisor with Raymond James Financial, holding a Series 66 designation and six years of industry experience. She has worked with several firms including Kestra Advisory and Robert J. Ellis Financial Advisors, and currently serves as an officer and president of Dale Legacy Advisors, LLC. Additionally, she works as an independent contractor with Noble Wealth Partners Inc. and Specific Solutions, where she assists with fixed annuity, life insurance, and long-term care policies. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a broad client base ranging from individuals to institutional clients. The firm emphasizes tailored, non-discretionary planning and consulting using analytical tools and supports both municipal and public finance work through specialized affiliations.

Paul Nowakowski is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing over 25 years of experience in assisting individuals, families, businesses, and organizations with financial strategies and investment planning. He specializes in areas including family wealth management, retirement planning, investment consulting for defined contribution plans, and legacy planning. Paul is recognized as one of approximately 235 Financial Advisors nationwide designated as a Premier Retirement Benefits Consultant by Merrill Lynch. Paul holds a Bachelor of Arts degree in Political Science and Business Administration from Wittenberg University and an MBA from Embry Riddle Aeronautical University. He is a CERTIFIED FINANCIAL PLANNER™ professional and also holds the Certified Plan Fiduciary Advisor® designation. His approach emphasizes personalized financial plans tailored to clients’ priorities, with a focus on being a steward of their financial futures. Outside of his professional commitments, Paul resides in Orchard Park, New York with his wife and three children. He is a member of Orchard Park Country Club and enjoys activities such as golf, skiing, and football.

Jeffrey Vanremmen is a financial advisor at OSAIC with 40 years of industry experience. He holds a Series 63 designation and previously worked at FSC Securities Corporation for 26 years before joining OSAIC in 2023. He is also a sole proprietor insurance agent involved in life insurance sales. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers brokerage and advisory services through a multi-advisor platform, emphasizing model-based asset allocation, portfolio optimization, and various managed account strategies.

John Bannister is a financial advisor at Merrill with 8 years of industry experience. He holds Series 63 and Series 66 designations. His prior work experience includes roles at Prudential Insurance Company of America and Pruco Securities, LLC, as well as Bank of America. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using a range of model-based and discretionary investment strategies.