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.

Gabriella Gamble is a financial advisor with OSAIC holding a Series 66 designation and one year of industry experience. Her prior roles include positions at Securities America, Bank of America, and Buffalo Metropolitan Federal Credit Union. She is currently based in Amherst, NY. OSAIC Wealth serves a wide range of clients, including individual investors, retirement plans, charities, and corporate entities, offering both brokerage and advisory services through a multi-advisor platform. The firm utilizes a model-based investment approach focused on asset allocation and portfolio optimization.

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.

Abigail Ferenczy is a Series 66-registered financial advisor at OSAIC with one year of industry experience. She has worked at OSAIC since 2024 and has held various roles at organizations including Williamsville Central School District, L&M Wealth Management, and Gugino Insurance Agency Inc. Outside of her advisory work, she has been involved with the Williamsville Stampede since 2018. OSAIC Wealth serves a diverse client base, including individual investors, retirement plan sponsors, charities, and corporate clients, offering brokerage and advisory services through a multi-advisor platform. The firm emphasizes model-based asset allocation and portfolio optimization and supports a wide range of investment programs delivered via affiliated broker-dealer and RIA relationships.

Vincent Smith is a financial advisor at OSAIC with 24 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for Securities America Advisors, Inc. for 17 years. He is also involved with L&M Financial Services, where he engages in insurance sales. OSAIC Wealth serves a diverse range of clients including individual investors, retirement plan sponsors, charities, and corporate entities. The firm offers brokerage and advisory services with an investment approach centered on model-based asset allocation, portfolio optimization, and multiple managed account options.

Craig Clark is a CFP® professional with 24 years of industry experience, currently serving as an advisor at LPL Financial. He previously worked at Lincoln Financial Securities Corporation and Commonwealth Financial Network. Clark is the owner of Clark & Company Wealth Management and is involved as a team manager for a youth hockey team. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives. The firm offers a range of financial planning and investment management solutions to individuals, institutions, and retirement plan participants.

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 at OSAIC with 44 years of industry experience. He holds a Series 63 designation and has worked previously at Securities America Advisors and Investacorp Advisory Services. In addition to his advisory work, he is a licensed insurance agent in New York, focusing on long-term care insurance, term life products, and fixed and variable annuities. 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 supported by a model-based investment process and a platform that includes discretionary strategies, third-party money managers, and alternative investments.

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® professional with 25 years of industry experience, currently serving at Cambridge Investment Research Advisors since 2021. He previously worked at FSC Securities Corporation for 12 years and has maintained ownership in Mollot & Hardy Inc. for over 18 years. Outside of his advisory role, Hardy is involved with Ocean Wealth Group LLC and holds ownership in a family real estate entity. Cambridge Investment Research Advisors serves a diverse client base that includes individuals, institutions, pension plans, and charitable organizations. The firm provides financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a large network of financial professionals and utilizes multiple platforms and custodians to support discretionary and non-discretionary management.

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 with OSAIC Wealth, Inc. in Williamsville, NY, holding Series 63 and Series 66 licenses and three years of industry experience. His prior roles include positions at Pruco Securities LLC and Five Star Bank, where he also works as a relationship banker. In addition to his advisory work, he serves as a part-time tax preparer with Jackson Hewitt. OSAIC Wealth serves a diverse client base, including retail and institutional investors, with a multi-advisor platform offering brokerage and advisory services. The firm’s investment approach emphasizes model-based asset allocation, portfolio optimization, and a range of customizable strategies implemented through affiliated broker-dealer and RIA relationships.

Michael Borowiak Jr. is a financial advisor at Cambridge Investment Research Advisors with a Series 66 designation and two years of industry experience. His prior work includes roles at OSAIC, Securities America, Guardian Life Insurance Company, and several other firms. Outside of finance, he is involved in coaching and refereeing travel hockey teams. Cambridge Investment Research Advisors serves a diverse client base including individual, pension, and charitable organizations by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm supports both discretionary and non-discretionary management across multiple platforms and provides proprietary model strategies under the Founders Gate Capital brand.

Cody Blasko is a CFP® with four years of industry experience, currently affiliated with Osaic. Prior to joining Osaic in 2024, he worked at Securities America Advisors and Securities America, Inc. He also spent six years with Brothers of Mercy. Outside of his advisory role, Blasko holds a life insurance license in New York and is employed by L&M Group Ltd. Osaic Wealth serves a wide range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning, advisor-managed portfolios, and retirement plan consulting. The firm uses a model-based investment process focused on asset allocation and portfolio optimization, supported by various tools and third-party managers.

John Hornung is a financial advisor with Ameriprise in Buffalo, NY, holding a Series 63 designation and 27 years of industry experience. He has been with Ameriprise and its related entities since 2005. Outside of his advisory work, he serves as president of the Hertel North Park Youth Little League and holds board positions in local community organizations. Ameriprise offers retirement-income planning services primarily for individuals with substantial investable assets, combining research and modeling with tax-efficient withdrawal strategies. The firm provides a broad range of advisory, brokerage, and insurance solutions through its institutional platform.