Martin Steck is a financial advisor at Mass Mutual Investors Services with 39 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and previously spent 30 years with Metlife Securities Inc. Steck holds a Series 63 designation. 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 ongoing financial planning, asset management, and educational seminars, emphasizing collaborative, goal-oriented planning without investment discretion.

Alfred Leto is a financial advisor with Primerica Advisors in Amherst, NY, holding a Series 63 designation and 23 years of industry experience. He has worked with PFS Investments Inc. and Primerica Financial Services since 2001. In addition to his advisory role, he is involved in the sale of non-investment related products such as home security and automation through affiliated companies. Primerica Advisors provides discretionary asset management primarily to individual and high-net-worth clients through its Lifetime Investment Program, which offers model-delivery strategies and a limited number of separately managed account options. The firm employs third-party asset managers and uses a tiered wrap fee structure distinct from fixed-fee billing.

Gabriel Martinez Rivera is a financial advisor at LPL Financial with three years of industry experience. He holds Series 65 and Series 63 licenses and has previously worked at Canal Bank, Equitable Advisors, Key Bank, and Northwest Bank. Outside of his advisory role, he is employed at Tops Friendly Markets. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research from LPL Research and third-party subadvisors.

Timothy Mcnamara is a financial advisor at Morgan Stanley with 48 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses and has worked at UBS Financial Services and multiple divisions of Morgan Stanley since 2011. He serves as an officer for The Murphy Fund, a charitable organization that provides donations to those in need. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutions, utilizing structured financial planning tools and managing approximately $2.74 trillion in client assets. The firm provides tailored planning services through its Financial Advisors and Estate Planning Strategies Group.

Jacob Rosen is a financial advisor at Osaic Wealth, Inc. with eight years of industry experience and holds a Series 66 designation. He has worked at Osaic since 2024 and concurrently operates L&M Financial, which he founded in 2017. Outside of finance, Rosen is involved in hockey coaching, serving as head coach of the 18U AA Lockport Lockmonsters team and assistant coach at Williamsville North High School, as well as president of Moncell Hockey, a hockey training company. Osaic Wealth, Inc. serves a diverse client base including individual and institutional investors, offering integrated brokerage and advisory services, financial planning, and access to various managed account platforms. The firm utilizes proprietary asset-allocation tools and multiple third-party platforms to manage portfolios across a wide range of investment vehicles.

Angel Palacios is a financial advisor with Ameriprise, holding Series 63 and Series 66 credentials and 17 years of industry experience. His prior roles include positions at Santander Securities, Santander Bank, Bank of America, Merrill, and J.P. Morgan. He is also a financial advisor and financial planning specialist with Council Rock Associates, LLC. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on written recommendation reports and ongoing retirement-income planning. The firm’s approach includes asset allocation, adaptive withdrawal strategies, and Social Security planning, relying on proprietary research and third-party data within a defined investment universe.

Michelle Semrau is a financial advisor with Morgan Stanley in Williamsville, NY, holding Series 63 and Series 66 designations and bringing 26 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Elizabeth Grabiec is a financial advisor at Morgan Stanley with 29 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds Series 63 and Series 66 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning supported by structured discovery processes and proprietary planning tools.

John Moshides is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and bringing 42 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and previously spent 13 years at Metlife Securities Inc. Outside of advising, he is involved in consulting through his own firm, MFG Consulting LLC, and has participated in authoring and speaking engagements. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management to individuals, business owners, trusts, estates, and charitable organizations. The firm offers collaborative, annual planning relationships using firm-approved analytical tools and delivers recommendations tailored to clients' goals.

Christopher Phillips is a financial advisor at OSAIC with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Cetera and Foresters Advisory Services. Outside of advising, he manages operations at Atlas Wealth Advisors LLC and is involved in the sales and service of fixed insurance and annuities. OSAIC Wealth, Inc. serves a diverse client base including individuals, institutions, and charitable organizations through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services with a focus on using asset-allocation tools and third-party platforms to construct diversified portfolios.

Mark Johnson is a CFP® and ChFC® with 27 years of experience in financial services. He is currently with Cetera and has held various roles at affiliated and related firms since 2016. Outside of his advisory work, Johnson serves as a trustee for Niagara Lutheran Health Care System and as a director of the Clarence Chamber of Commerce. Cetera Investment Advisers LLC provides a multi-manager platform serving individuals, retirement plans, corporate and charitable clients, and institutional accounts, offering a range of investment management and financial planning services through a nationwide network of independent advisors.

Justin Chatelle is a financial advisor at Cetera with a Series 66 designation and over eight years of industry experience. Prior to joining Cetera in 2025, he worked at Ogorek Wealth Management from 2017 to 2025 and at Consumers Beverages from 2014 to 2018. He also provides financial services through CCR Wealth Management LLC. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party investment models.

Sandra Anderson is a Series 63 licensed financial advisor with 25 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Outside of her advisory role, she has engaged in retail sales, including cosmetic sales with Avon Products and cashier duties at Kohl’s Department Stores. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s approach is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

James Honaker is a CFP® professional with 24 years of industry experience, currently serving at OSAIC since 2025. He previously worked for Lincoln Financial Advisors Corp. for 22 years and PI-MAC Corporation for 30 years. Honaker is a Certified Divorce Financial Analyst and occasionally teaches college planning. He also serves as a board member for Bristol Village, a senior living community. OSAIC Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisers and multiple platforms. The firm offers integrated brokerage and advisory services and uses various tools and third-party solutions to manage diversified portfolios adaptable to clients’ investment restrictions.

Nicholas Gagliardo is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. Prior to joining Raymond James in 2025, he spent 11 years at TIAA-CREF and TIAA. Raymond James & Associates provides financial planning and investment consulting services to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and asset-allocation analyses, supporting both non-discretionary advisory relationships and institutional consulting through its Wealth Advisory Services Program.

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.

Justin Badura is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and 14 years of industry experience. Prior to joining LPL Financial in 2021, he spent 10 years with Medaille College and M&T Securities, Inc. He is based in West Seneca, NY. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a large national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management approaches supported by internal and third-party research.

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, holding a Series 63 designation and 30 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. Outside of advising, he serves as president of Buffalo Brokerage Support, Inc., a third-party administrator. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by internal research and third-party subadvisors.

Justin Sheffield is a financial advisor with LPL Financial who holds Series 66 and Series 63 licenses and has four years of industry experience. He has been with LPL Financial since 2021 and also has experience working with Northwest Bank since 2018. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, providing both discretionary and non-discretionary management supported by extensive research and model portfolios.