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.

Genna Chmiel is a financial advisor at Cetera with 11 years of industry experience. She holds a Series 63 designation and has worked at Cetera since 2019, following four years at Foresters Financial Services. Outside of her advisory work, she serves as executor of her parents' will. Cetera is an SEC-registered advisor that serves individual, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, overseeing over $256 billion in assets.

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 specializing in life insurance sales. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, financial planning, and access to multiple investment platforms and third-party money managers.

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.

Randall Clark is a financial advisor at Cetera with 21 years of industry experience. He has held roles at Foresters Financial and Foresters Advisory Services LLC prior to joining Cetera in 2019. Outside of his advisory work, Clark also works as a security guard at Holiday Valley Ski Resort. Cetera Investment Advisers LLC serves individuals across a range of wealth levels, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Linda Suchocki is a Series 63 licensed advisor with 35 years of industry experience, currently serving at Primerica Advisors since 1988. She has been affiliated with Primerica Financial Services since 1987. In addition to her advisory role, she manages rental property on a part-time basis. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed account options primarily to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure, focusing on retail rather than institutional clients.

Charles Kreiner Jr. is a financial advisor at UBS Financial Services with 53 years of industry experience. He holds a Series 63 designation and has been with UBS since 1992. Outside of his advisory role, he serves on the boards of several organizations, including a charitable camp for handicapped and underprivileged children, the Foundation for Jewish Philanthropies, and companies in the oil and gas sector. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, utilizing proprietary research and model-based asset allocations to tailor financial plans and portfolio management. The firm combines institutional trading capabilities with wealth management and offers a broad range of capital markets services.

Brittany Cheney is a financial advisor at Wells Fargo Clearing with 14 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at LPL Financial, M&T Securities, Inc., and M&T Bank. Outside of her advisory role, she serves as a successor trustee for a family trust and is a commissioned notary in Buffalo, NY. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment management. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Eugene O'neill is a financial advisor with UBS Financial Services in Buffalo, NY, holding Series 63 and Series 66 designations and 25 years of industry experience. He has been with UBS Financial Services since 2008. Outside of his advisory role, he serves on the Board of the BYC Foundation, which funds educational sailing programs in the Buffalo area. 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 range of capital markets services and proprietary research to support tailored client strategies.

James Mcelhinny Jr. is a financial advisor at OSAIC with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including American Portfolios Financial Services and Cadaret, Grant & Co., Inc. He owns JMAC Advisors, Inc., a non-securities business used for marketing and payroll purposes. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisors, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools and automated rebalancing, delivering portfolios across diverse asset classes with discretionary and non-discretionary management options.

Michael Skrzypczyk is a CFA® charterholder with five years of industry experience. He is currently affiliated with Raymond James Financial and has prior experience at Nottingham Advisors and SUNY Geneseo. Michael is based in Orchard Park, NY. 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 clients. The firm emphasizes tailored, non-discretionary planning using analytical tools and supports a wide network of advisors and affiliated firms.

Jacob Wood is a financial advisor at Raymond James Financial with four years of industry experience. He holds the Series 66 designation and previously worked at Commonwealth Financial Network. Outside of his advisory role, he serves as Vice President of Buffalo Financial, a support company where he provides financial advice and trading services. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, and institutional investors. The firm provides tailored, non-discretionary consulting using risk profiling and analytical tools and supports advisory programs with a focus on municipal and public finance.