Thad Borowiak is a CFP® professional with 15 years of industry experience, currently serving at Edelman Financial Engines. His prior roles include positions at United Capital Financial Advisers, LLC and Girard Securities, Inc. He is a board member of the East Aurora Rotary Club, a nonprofit organization. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm combines committee-driven proprietary modeling with planner delivery and online tools, offering a range of discretionary and non-discretionary investment solutions with an emphasis on diversified portfolios and long-term orientation.

Timothy Clouden is a financial advisor with LPL Financial based in Orchard Park, NY. He holds Series 63 and Series 65 licenses and has 18 years of industry experience, including 14 years at M&T Securities prior to joining LPL Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a variety of advisory and brokerage services supported by both proprietary and third-party investment strategies, and maintains a broad platform that includes financial planning and institutional programs.

Guy Porter is a financial advisor at Edward Jones in Lancaster, NY, holding a Series 66 designation with 14 years of industry experience. He has been with Edward Jones since 2011. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Matthew Kapanek is a financial advisor at LPL Financial with 20 years of industry experience. He holds the Series 66 designation and previously worked at Next Financial Group Inc for 18 years before joining LPL Financial in 2025. In addition to his advisory work, he is involved in a non-variable insurance business and operates a DBA related to his LPL activities. 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 financial planning, model portfolios, third-party asset management, and institutional platforms, delivering advice through a network of investment adviser representatives who use a range of strategies and advisor-facing tools.

Michael Radecke is a financial advisor at Morgan Stanley in Williamsville, NY, holding Series 63 and Series 65 licenses with 39 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he serves on the Finance Committee of the Country Club of Buffalo. Morgan Stanley Wealth Management provides advisory and brokerage services to individual and institutional clients, offering tailored financial planning and a range of investment programs supported by firm-approved planning tools and strategies.

Thomas Suchocki is a financial advisor with Primerica Advisors in Cheektowaga, NY, holding a Series 63 designation and 38 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1987. Outside of his advisory role, he is co-owner with his sister of a beach house in Canada. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and offers a tiered wrap-fee structure, delegating trading responsibilities to BNY Mellon Advisors.

Thomas Giambra is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. His career includes over two decades at M&T Securities and brief tenures at Wilmington Advisors and LPL Financial prior to joining Wells Fargo Clearing. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a diverse range of investment vehicles such as insurance-related products and bank deposit sweep options.

Daniel Lipsitz is a financial advisor with Osaic, holding a Series 63 designation and bringing 22 years of industry experience. He has worked at L&M Financial and Securities America Advisors since 2007. Outside of financial advising, he teaches yoga classes periodically. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services through a multi-advisor platform that emphasizes model-based asset allocation, portfolio optimization, and a variety of managed account programs.

Carol Ward is a financial advisor with Primerica Advisors, holding a Series 63 designation and over 33 years of industry experience. She has been with Primerica Advisors since 1992 and with Primerica Financial Services since 2000. Outside of advising, she is involved in sales of home security and automation products 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 curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Michael Di Duro is a financial advisor with Morgan Stanley in Williamsville, NY, holding Series 63 and Series 65 licenses and having 24 years of industry experience. He has been with Morgan Stanley and its affiliated Private Bank since 2009. Outside of his advisory role, he serves on the finance committee of St. Mary’s Church in Swormville, NY, where he reviews financial reports and budget activities. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutions. The firm provides tailored financial planning services supported by structured discovery processes and firm-approved planning tools.

David Will is a financial advisor with LPL Financial, holding a Series 66 credential and 18 years of industry experience. He previously worked at AXA Advisors, LLC for 11 years before joining LPL Financial in 2020. 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 advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by extensive advisor tools and a diverse range of non-advisory financial products.

James Kranz is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he has been serving clients since 2010. He specializes in providing personalized financial strategies tailored to clients' individual goals, managing custom investment strategies on a discretionary basis, and selecting from a broad range of Merrill model portfolios and third-party investment options. His expertise spans managing new wealth, personal retirement planning, tax minimization, and retirement income. James holds a Bachelor's degree in Political Science with a specialization in International Relations from the University at Buffalo. He is a specially qualified Senior Portfolio Advisor within the Merrill Investment Advisory Program and maintains Series 7 and Series 66 FINRA registrations. Additionally, James holds the Certified Private Wealth Advisor® designation and the Personal Investment Advisor (PIA) professional designation. Based in Williamsville, New York, James has lived in the Buffalo area his entire life. He is actively involved in his community, serving as a mentor and supporter of the Kenya Project. Outside of his professional responsibilities, he enjoys football, golfing, hiking, and spending time with his family.

Douglas Druzbik is a CFP® professional with 28 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He holds Series 63 and Series 65 licenses. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines research from Wells Fargo Investment Institute with diversification principles and modern portfolio theory to evaluate investment options within its extensive platform.

Christopher Lo Tempio is a financial advisor with Charles Schwab in Amherst, NY, holding a Series 66 designation and 18 years of industry experience. He has been with Charles Schwab since 2013, including six years at Charles Schwab Bank. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary investment guidance and access to discretionary separately managed accounts, combining a multi-asset model portfolio approach with centralized operational and custody services.

Richard Fichter Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He previously worked at Securities America Advisors Inc. and OSAIC, and has been president of Fichter Wealth Management, Inc. since 2006. Outside of his advisory role, he serves as a deacon at the First Baptist Church of West Seneca. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions through a large network of investment adviser representatives. The firm offers a variety of financial planning and asset management solutions, supported by technology tools and a broad range of affiliated financial services.

Nicholas Beckman is a financial advisor with Cetera, holding a Series 63 designation and 11 years of industry experience. He has worked with several firms including Lifetime Wealth Management Group, where he serves as an Investment Executive, and has previously been affiliated with Avantax and Securities America. His experience spans financial planning, estate planning, retirement planning, and investment planning. Cetera Investment Advisers LLC is an SEC-registered advisor with a nationwide network of over 10,000 independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services and operates a multi-manager platform with diverse program options and custodial arrangements.

Thomas Schultz is a financial advisor with LPL Financial, holding a Series 66 designation and 27 years of industry experience. He has worked with Linsco / Private Ledger Corp. since 2000. Outside of his advisory role, he operates an independent fixed insurance business and serves as a notary. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plans, banks, and institutions. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, supporting more than 22,800 advisors and overseeing over $819 billion in discretionary assets.

Kenneth Lenfest is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 15 years of industry experience. He has worked at Wells Fargo Clearing since 2020 and previously spent four years at Citizens Securities Inc. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research and analytics from its Investment Institute alongside third-party data.

Christina Wolfe is a financial advisor with Osaic, holding a Series 66 designation and 24 years of industry experience. She was previously with Securities America Inc. for 14 years before joining Osaic in 2024. Wolfe also serves as Chief Compliance Officer at L&M Group Ltd., where she oversees branch compliance with FINRA regulations. Osaic Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform, offering brokerage and advisory services that include comprehensive financial planning, managed portfolios, and retirement plan consulting. The firm employs a model-based investment approach with various strategies and maintains a complex affiliate network supported by private-equity ownership.

Michele Mundie is a financial advisor at Morgan Stanley with 30 years of industry experience. She has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, UBS Financial Services, and Merrill. Outside of her advisory role, she serves as a notary public in New York and is involved with a nonprofit organization. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer that provides advisory programs and tailored financial planning to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and model-based simulations in its financial planning process.