Paul Eberz is a financial advisor with OSAIC, holding a Series 63 license and 44 years of industry experience. He has worked at OSAIC since 2024 and previously spent 34 years with Investacorp and four years with Securities America Advisors. Additionally, he is a licensed insurance agent in New York, offering long-term care insurance, life insurance, and annuity products. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through an extensive network of advisers and platforms. The firm provides integrated brokerage and advisory services utilizing various asset allocation tools, managed account solutions, and third-party managers.

Anthony Scalise is a financial advisor at Cambridge Investment Research Advisors with 23 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at Ic Advisory Services Inc, The Investment Center Inc, and Invest Financial Corporation. Scalise is also engaged in advisory and insurance-related roles outside of his primary employment. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension and profit-sharing plans, charitable organizations, and trusts by providing financial planning, investment management, retirement plan advisory, and financial-wellness services. The firm offers a range of investment solutions through independent Financial Professionals, combining proprietary models and third-party strategies across various custody platforms.

Kevin Kopec is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. His career includes roles at Merrill, Northwest Bank, CUSO Financial Services, LP, and two prior tenures at LPL Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides 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 options, including model portfolios, third-party subadvisors, and customized strategies.

William Lunney Jr. is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 designations and possessing 45 years of industry experience. He has been with Equitable Advisors since 1999 and previously worked with Axa Advisors, LLC. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and various asset-management programs. The firm utilizes a range of advisory models often implemented through third-party managers and offers ERISA fiduciary services to qualified plans.

Cody Blasko is a CFP® professional with four years of industry experience, currently affiliated with OSAIC since 2024. He previously worked at Securities America Advisors and Securities America, Inc., and spent six years with Brothers of Mercy. Blasko holds a life insurance license in New York and is also employed by L&M Group Ltd. OSAIC Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of advisers, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm utilizes asset-allocation tools and automated portfolio management, serving clients with both discretionary and non-discretionary account options.

Kenneth Hawley II is a financial advisor at OSAIC with eight years of industry experience. He holds a Series 66 designation and previously worked at American Portfolios Financial Services, Inc. for six years and the Lancaster Central School District for fifteen years. Outside of his advisory role, he is involved as an independent insurance agent, selling life insurance policies and fixed annuities. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and investment advisory services through a large network of advisers using various asset-allocation tools and third-party platforms.

Michael Juszczak is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. He has three years of industry experience and has worked at MML Investors Services, LLC and MassMutual Life Insurance Co. He is also the owner of Juzy LLC, which operates a retail business selling custom dye sublimated soccer jerseys, and he prepares personal tax returns through Juszczak Tax. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing, collaborative financial planning engagements using firm-approved analytical tools and offers various investment programs and educational seminars.

Kay Czechowski is a financial advisor with Primerica Advisors, holding a Series 63 designation and over 31 years of industry experience. She has worked at Primerica Advisors and Primerica Financial Services since 1994 and has prior experience with Nbl/Pfsu and Maintenance & Management Associates, Inc. In addition to advisory services, she is involved in sales of loan products and home-related services referrals through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options. The firm uses third-party asset managers and offers a tiered wrap-fee structure with ongoing oversight of its investment models.

David Piscitello is a financial advisor with Mass Mutual Investors Services who holds a Series 63 designation and has 33 years of industry experience. He has worked with MML Investor Service Inc and MassMutual since 2005. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm structures financial planning as annual collaborative engagements using firm-approved software to analyze client goals and deliver written recommendations.

Lisa Monpere Cruz is a financial advisor with Primerica Advisors in Amherst, NY, holding a Series 63 designation and 14 years of industry experience. She has worked with PFS Investments Inc. since 2012 and has been involved in entrepreneurial ventures including executive pen sales and internet affiliate marketing. Cruz has also served on the faculty at the University at Buffalo since 1986. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which provides model-delivery strategies and a limited selection of separately managed accounts for individual and high-net-worth clients. The firm curates third-party asset managers and uses a wrap-fee structure with various investment models implemented through BNY Mellon Advisors.

Daniel Ghirsig is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. He has been associated with Cetera and its related entities since 2020 and is a partner at Johnson and Ghirsig Financial Group, where he provides wealth advisory services. He is also an insurance agent selling life and annuities. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a nationwide network of over 10,000 independent advisors, serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a variety of portfolio management options, including discretionary and non-discretionary services, and manages more than $256 billion in assets.

Gavin Faulkner is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds a Series 66 designation and previously worked at Prudential/Pruco for two years. Outside of his advisory role, he serves on the parish council of St. Peter and Paul's OCA and has experience in the hospitality industry. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, manager searches, and customized performance reporting through a quantitative and ESG-focused approach.

Colin Lucey is a financial advisor at Equitable Advisors with four years of industry experience. He holds the Series 66 designation and previously worked in the automotive sales sector at Riverfront Auto Sales and Buffalo Auto Group. 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 utilizes a range of advisory models and third-party managers, covering mutual funds, ETFs, separately managed accounts, and select alternative investments.

Louis Nuchereno is a financial advisor with Equitable Advisors in Williamsville, NY, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with Equitable Advisors and its predecessor AXA Advisors since 1999. Outside of his advisory work, he serves on the boards of the Greater Buffalo Sports Hall of Fame, Amherst Police Foundation, and Signal 30 Benefit Fund, all nonprofit organizations focused on community and charitable activities. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension plans, corporations, and charitable organizations. The firm employs a variety of advisory programs and third-party asset managers to deliver customized investment solutions.

Kyle Lucey is a financial advisor with Equitable Advisors in Williamsville, NY, holding Series 63 and Series 65 licenses and 13 years of industry experience. He has worked with Equitable Advisors since 2013, including the firm’s prior affiliation as AxA Advisors. Outside of his advisory role, Lucey serves as a parish trustee at St. Gregory the Great Roman Catholic Parish. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension plans, corporations, and charitable organizations. The firm emphasizes matching clients to program models or discretionary managers, often utilizing third-party advisory platforms and offering a broad range of investment options.

Justin Wild is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and two years of industry experience. He has worked at Avantax Advisory Services and currently manages accounting and tax services as the owner and president of J. Wild, CPA, P.C. Cetera Investment Advisers LLC serves a broad client base including individual, corporate, charitable, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to both affiliated and third-party managers.

Terrence Sprow is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and 39 years of industry experience. He has worked at New England Securities since 1990 and was employed at MetLife Securities Inc. from 2015 to 2017 before joining Mass Mutual Investors Services in 2017. Mass Mutual Investors Services is an SEC-registered investment adviser and broker-dealer serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, emphasizing structured, annual planning engagements using firm-approved analytical tools.

Steven Yeh is a financial advisor at Cambridge Investment Research Advisors with 34 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Ic Advisory Services Inc, The Investment Center Inc, and INVEST Financial Corp. Outside of his advisory role, he serves as a board member of the American Education Foundation and operates a tax services business. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm provides financial planning, investment management, and retirement advisory services through independent professionals, offering a range of portfolio management options and proprietary as well as third-party investment strategies.

Ryan Geary is a financial advisor with Equitable Advisors in Williamsville, NY, holding Series 63 and Series 66 credentials and nine years of industry experience. He has worked at Equitable Advisors since 2017 and was previously employed by Axa Advisors, LLC from 2017 to 2020. Prior to his financial services career, he was involved in landscaping services for three years. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset-management programs through a network of Investment Adviser Representatives, utilizing both proprietary and third-party investment solutions.

Jack Reich is a financial advisor at Equitable Advisors with 20 years of industry experience. He holds Series 63, Series 65, and Series 66 designations. Reich has been with Equitable Advisors and its predecessor, Axa Advisors, LLC, since 2005. Equitable Advisors serves a diverse client base that includes individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives, utilizing both proprietary and third-party investment solutions.