Douglas Druzbik is a CFP® with 27 years of experience in the financial industry, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2011 to 2016. Outside of his advisory role, he owns a rental property in Canandaigua, NY. 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 process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment offerings.

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.

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.

Jacob Kubala is a financial advisor at Equitable Advisors with one year of industry experience. He holds the Series 66 designation and has a background that includes law enforcement roles with the University at Buffalo Police and Niagara County Correctional Facility. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients by providing financial planning, retirement plan consulting, and a variety of asset management programs. The firm’s approach incorporates personalized risk assessment and matching clients to advisory program models or discretionary managers, utilizing both proprietary and third-party solutions.

Mark Massaro is a financial advisor at Ameriprise with 31 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored recommendation reports. The firm delivers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Christopher Williams is a CFP®-certified financial advisor with 32 years of industry experience. He is currently with Cetera and has previously worked for Northwestern Mutual in various capacities over a 34-year span. Williams is also involved with Tragically Grateful LLC dba Primacy Financial and CJ Willy LLC. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to various investment strategies and program structures.

Gregory Oguich is a financial advisor at Ameriprise with 28 years of industry experience. He holds the ChFC® and Series 63 designations and has been with Ameriprise and its affiliated entities since 1997. Outside of his advisory work, he serves as Treasurer on the Board of Directors for Boy Scout Troop 411 in Buffalo, NY. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research and modeling to deliver tailored, non-discretionary recommendations through a centralized consulting team. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Mario Camillo is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. He previously worked at INVEST Financial Corporation for 10 years before joining LPL Financial in 2018. 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 offers a range of services including financial planning, model portfolio programs, and institutional platforms, supporting advisors with model portfolios, third-party subadvisors, and customized strategies.

Lawrence Kavanaugh Jr. is a financial advisor with LPL Financial who holds the ChFC® designation along with Series 63 and Series 65 licenses, and has 44 years of industry experience. He has been with LPL Financial since 2011. Outside of his advisory work, he is involved with Consumer's Beverages, Inc., a closely held business in Buffalo, NY. 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 access, and institutional platforms, supporting advisors with both discretionary and non-discretionary strategies.

Jay Sackett is a Wealth Management Advisor with Merrill Lynch Wealth Management. He began his career as an investment banker in New York City, focusing on mergers and acquisitions within the private equity community. In 2006, he joined Merrill Lynch to form The Sackett Team aimed at helping individuals and families manage and steward their multi-generational wealth. Jay graduated summa cum laude from Cornell University in 2003 with a Bachelor of Science degree in applied economics and management. He holds the Certified Financial Planner (CFP) certification and serves as a qualified Portfolio Manager in the firm's Investment Advisory Program. His expertise includes family wealth management strategies, legacy planning, personal retirement planning, portfolio management services, socially responsible and ESG investing, tax minimization, and managing new wealth. Jay resides in Clarence Center with his wife, three daughters, and two rescue dogs. He is actively involved in his church and local community and enjoys camping, cooking, fishing, football, hiking, running, spending time with his family, and traveling.

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.

Elizabeth Moser is a financial advisor at Ameriprise with one year of industry experience. She holds a Series 66 designation and has previously worked at Alden State Bank and Tractor Supply Co. Prior to her finance career, she was involved in preschool education and homeschooling. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on income sources and tax-aware withdrawal strategies.

David Burgio Jr. is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and four years of industry experience. Prior to joining Raymond James in 2025, he worked at Commonwealth Financial Network for three years. Outside of his advisory role, he is active as a licensed insurance agent, assessing client insurance needs related to survivorship and income. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individual and institutional clients. The firm utilizes risk profiling and analytical tools to provide tailored, non-discretionary advice, supporting clients through various advisory programs and maintaining specialized services such as municipal and SIMPLE IRA advisory consulting.

Michael Hardy is a CFP® with 25 years of industry experience, currently serving at Cambridge Investment Research Advisors since 2021. His prior experience includes 12 years with FSC Securities Corporation and he has been involved with Mollot & Hardy Inc. since 2008. Hardy has ownership interests in Ocean Wealth Group LLC and a family-owned real estate entity. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base with financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals. The firm offers a range of portfolio management solutions across multiple platforms and incorporates proprietary and third-party strategies tailored to client objectives.

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.

Christopher Chiles is a financial advisor at OSAIC with three years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Pruco Securities LLC and Five Star Bank. In addition to his advisory role, he works part-time as a tax preparer with Jackson Hewitt. 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, financial planning, and access to third-party managers, employing asset-allocation tools and automated rebalancing to construct diversified portfolios.