Sally Allen is a financial advisor with UBS Financial Services in Buffalo, NY, holding a Series 63 designation and 24 years of industry experience. She has been with UBS since 2016. Outside of her advisory work, she serves as an officer and treasurer for Lancaster Unleashed, a nonprofit organization focused on raising funds for a dog park. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management solutions supported by proprietary research and model-based asset allocations.

William Stark III is a financial advisor with Fidelity, holding Series 63 and Series 66 credentials and 24 years of industry experience. He has worked at Fidelity Investments since 2011, including roles with Fidelity Personal and Workplace Advisors from 2018 to 2025. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, as well as registered investment companies. The firm employs a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios using mutual funds, ETFs, and ETPs, and it maintains formal advisory roles and governance procedures for multiple registered investment companies.

Patrick Allaire is a financial advisor at Osaic Wealth with 26 years of industry experience. He holds Series 63 and Series 65 credentials. His career includes roles at Allaire Financial, Everbank, and Securities America Advisors, and he serves as President and CEO of Allaire Financial Strategies, where he is involved in insurance sales. Osaic Wealth serves a diverse client base including retail and institutional investors, offering brokerage and advisory services through various programs such as comprehensive financial planning and retirement plan consulting. The firm’s investment approach relies on model-based asset allocation and portfolio optimization, utilizing multiple strategies and custodial arrangements to meet client needs.

Jeremy Beck is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds a Series 66 designation and has 24 years of industry experience, including prior roles at Custom Wealth Strategies, Commonwealth Financial Network, and Wells Fargo Advisors Financial Network. Beck is a partner in several private business ventures related to real estate ownership and 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, corporations, and institutional investors. The firm offers tailored, non-discretionary planning and supports clients through advisory programs and institutional consulting.

Michael Ganci is an investment advisor representative at OSAIC with 36 years of industry experience. He has held advisory roles at Securities America Advisors, Inc. and SSN Advisory, Inc. in the past. In addition to his advisory work, he provides professional income tax preparation services for nearly 780 clients. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and advisor-managed portfolios. The firm utilizes model-based asset allocation and portfolio optimization supported by risk-tolerance assessments and offers various discretionary and third-party managed strategies.

Andrew Piatek is a financial advisor with LPL Enterprise and holds a Series 63 designation. He has 11 years of industry experience, including roles at Prudential Insurance Company of America and Pruco Securities, LLC. He operates a local financial planning team, Longevity Wealth Partners, LLC, based in Orchard Park, NY. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual, high-net-worth, and institutional investors. The firm emphasizes model-driven investment implementation and offers access to third-party asset managers, financial planning, and various insurance and trust services through affiliated entities.

Carolyn Forman is a financial advisor at UBS Financial Services with 30 years of industry experience. She has been with UBS since 1998 and holds a Series 63 designation. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, providing a broad range of capital markets and advisory solutions.

Todd Tevens is a financial advisor with LPL Financial and holds the Series 66 designation. He has 25 years of industry experience, with prior roles at Royal Alliance Associates, Lawley Retirement Advisors, Lawley, LLC, Cadaret, Grant & Co., Manulife Investment Management, and John Hancock Investment Management. Tevens operates Lawley Retirement Advisors, an independent registered investment advisor firm, where he provides financial planning and consulting services. 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, model portfolio programs, third-party asset management, participant-level retirement advice, and institutional platforms, supported by extensive advisor tools and oversight of substantial discretionary assets.

Lawrence Pignataro Jr. is a CFP® certificant with 38 years of industry experience, currently affiliated with OSAIC since 2024. His prior experience includes long tenures at Investacorp, Inc. and Securities America Advisors. Outside of his advisory role, he owns and operates a financial services firm offering tax preparation, accounting, and life insurance sales. OSAIC Wealth serves a diverse client base including retail investors, institutional clients, retirement plans, and charities. The firm offers a range of brokerage and advisory services with a model-based investment approach and supports both discretionary and advisor-managed strategies.

Paul Larou is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 54 years of industry experience. His career includes 14 years at Guardian Life and more recent roles at Park Avenue Securities and LPL Financial. Outside of advisory work, he is involved in fixed annuities sales and service. 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 various investment programs and advisory services utilizing model portfolios, third-party subadvisors, and customized strategies, supported by technology tools but not for direct investment decisions.

James Cummings is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and bringing 26 years of industry experience. He has been with Wells Fargo Clearing since 2016. Outside of his advisory role, he coaches alpine ski racing in Ellicottville, NY. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, managing approximately $671 billion in assets through over 14,000 financial advisors.

Jonathan Rossi is a financial advisor with Morgan Stanley based in Buffalo, NY, holding a Series 66 designation and bringing 11 years of industry experience. He has worked at Morgan Stanley since 2012, including four years with Morgan Stanley Private Bank, NA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs and financial planning services that utilize structured discovery processes and modeling tools to assist clients in developing and managing their financial plans.

Gerald Ogilvie IV is a financial advisor at Equitable Advisors with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Equitable Advisors since 2015, including prior service at AXA Advisors, LLC. Equitable Advisors serves individuals across the wealth spectrum, pension and profit-sharing plans, corporations, and charitable organizations by providing financial planning, retirement plan consulting, and various asset-management programs. The firm delivers its services through a network of Investment Adviser Representatives and utilizes a mix of proprietary and third-party advisory programs and managers.

Kristina Trybus is a financial advisor at Raymond James Financial Services Advisors, Inc. with five years of industry experience. She holds a Series 66 designation and has worked previously at Wells Fargo Clearing, Merrill, and Bank of America. She also supports Plail Wealth Management as a financial advisor, assisting with client service and financial planning. 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, and institutional clients. The firm offers tailored non-discretionary planning and uses analytical tools to illustrate potential outcomes, supporting clients through various advisory programs and maintaining services in municipal and public finance.

Mark Klocke is a financial advisor with Primerica Advisors in West Seneca, NY, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has worked with PFS Investment Services since 1999 and with Primerica Financial Services since 1996. In addition to investment services, he is involved in the sale of loan products and home security and automation referrals through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, which serves individual and high-net-worth clients using model-delivery strategies and selectively managed accounts. The firm employs third-party asset managers and provides an operational model centered on tiered wrap fees and ongoing oversight of investment models.

James Teller Jr. is a financial advisor with Cetera, holding a Series 66 designation and 22 years of industry experience. He has held roles at firms including Avantax and Woodbury Financial Services and has operated his own practice, Legacy Financial Group, since 2012. Outside of advisory work, he serves as a power of attorney for his wife and other personal legal matters. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporations, charitable clients, and institutions nationwide. The firm offers a range of portfolio management and advisory services through a multi-manager platform that supports various investment strategies and program structures.

Richard Benkleman is a financial advisor at Merrill with 13 years of industry experience. He holds a Series 66 designation and has previously worked at J.P. Morgan Securities and Bank of America, N.A. during his career. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to fiduciary clients through the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

James Orzech is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 credentials and 35 years of industry experience. He has worked at Raymond James since 2020 and previously spent nine years at UBS Financial Services, Inc. Orzech is also president of Orzech Wealth Management and owner of Noble Wealth Partners, both based in Buffalo, NY. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and corporate clients. The firm offers tailored, non-discretionary planning and supports a wide network of advisors, with specialized capabilities in municipal finance and employer retirement plans.

James Joseph is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has worked at UBS Financial Services for 27 years before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney in 2019. 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 supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

Kevin Birt is a financial advisor with LPL Financial in Hamburg, NY, holding Series 63 and Series 66 licenses and has 24 years of industry experience. His prior roles include positions at Black Diamond Custom Wealth Management, Commonwealth Financial Network, Lincoln Financial Securities, and HSBC Securities. Outside of his advisory work, he participates as an experimental participant at the University at Buffalo and is involved in product tasting for Lactalis USA. 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 institutions. The firm offers a range of financial planning and portfolio management options, supporting its network of over 22,900 advisors with advanced operational and research tools.