Lawrence Pignataro Jr. is a CFP® with 38 years of experience in the financial services industry. He is currently affiliated with OSAIC and has worked previously at Securities America Advisors and Investacorp, Inc. In addition to his advisory work, he owns and operates Pignataro Financial Group, which provides tax preparation, accounting, and life insurance services. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, employing asset-allocation tools and multiple third-party platforms to construct and manage portfolios across a wide range of investment types.

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 at Wells Fargo Clearing with 26 years of industry experience. He has worked at Wells Fargo Advisors LLC from 2009 to 2016 before joining Wells Fargo Clearing in 2016. Outside of his advisory role, he coaches alpine ski racing in Ellicottville, NY. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broader range of financial products such as insurance-related vehicles and bank deposit sweep options.

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.

Daniel Lawrence is a financial advisor with Cetera Investment Advisors LLC, holding Series 63 and Series 66 credentials and possessing five years of industry experience. His prior roles include positions at LPL Financial, Equitable Advisors, Key Investment Services, and KeyBank. Outside of his advisory work, he is employed as a valet at the Lockport Town and Country Club and also works with DoorDash. Cetera Investment Advisors LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with various portfolio management options, access to third-party money managers, and a range of program structures designed to meet diverse client needs.

Kevin Arndt is a financial advisor with Cambridge Investment Research Advisors, holding Series 63, 65, and 66 credentials and bringing 31 years of industry experience. His prior roles include positions at Securities America Advisors and Next Financial Group Inc. In addition to his advisory work, he is involved with Patient Advantage, a healthcare-related company. Cambridge Investment Research Advisors is a large SEC-registered firm serving individuals, pension plans, charitable organizations, trusts, and other retirement-plan sponsors. The firm offers financial planning, investment management, and retirement plan advisory through a network of independent professionals, utilizing proprietary and third-party strategies across multiple platform arrangements.

Anthony Miranda serves as Resident Director and Wealth Management Advisor at Merrill Lynch. He has been with Merrill Lynch Wealth Management since 1997 and is a member of a team of advisors based in Buffalo, New York, that has collectively over 140 years of experience. He focuses on individual wealth management, retirement planning, and manages the Group's 401(k) and profit-sharing plans. Prior to joining Merrill Lynch, Anthony worked in public accounting where he earned his Certified Public Accountant (CPA) designation. Anthony holds multiple professional designations including Certified Financial Planner (CFP), Chartered Retirement Planning Counselor (CRPC), Certified Plan Fiduciary Advisor (CPFA), Certified Exit Planning Advisor (CEPA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned a Bachelor of Arts degree in Accounting from the State University of New York at Albany. Anthony's client focus areas include divorce transition planning, family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, portfolio management services, small business strategies, individual and corporate investment strategy, and retirement income. He does not provide tax advice in his role at Merrill Lynch.

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.

Michael Gzyl is a financial advisor with Cetera who holds a Series 63 designation and has 11 years of industry experience. He has worked at Cetera Investment Services LLC since 2019 and previously at Foresters Financial Services from 2015 to 2019. Outside of his advisory role, he owns and operates Susie Cuke's Pickle Company and a mobile golf simulator business called Tee Box LLC. Cetera Investment Advisers LLC is an SEC-registered adviser serving a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and consulting services through a multi-manager platform that includes model portfolios, third-party managers, and bespoke strategies, managing over $256 billion in assets through more than 10,000 advisors.

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.

Timothy Bubar is a Series 66-credentialed financial advisor with 11 years of industry experience, currently with Cetera. His previous roles include positions at Avantax Advisory Services and 1st Global Capital Corp. Outside of his advisory work, he serves as Treasurer and volunteer board member for the nonprofit World Trade Center Buffalo Niagara. Cetera Investment Advisers LLC is a nationwide SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers across various program structures.

David Turkasz is a financial advisor with J.P. Morgan Securities in East Aurora, NY, holding Series 63 and Series 65 credentials and seven years of industry experience. His prior roles include positions at Citizens Securities, Inc., Equitable Advisors, and Axa Advisors. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with due diligence and an ESG eligibility framework to inform its recommendations.

Sheila Visco is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and one year of industry experience. Her prior work includes roles at Jordan Wealth Management and Calamar Financial Group, with earlier experience at C & M Capital Resources, Inc. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform that enables advisors to utilize a range of portfolio management options, including affiliated and third-party models, bespoke strategies, and various program structures across discretionary and non-discretionary authorities.

Nora Sullivan is a financial advisor at UBS Financial Services with four years of industry experience. She holds the Series 66 designation and previously worked as a self-employed advisor for 21 years. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, employing proprietary capital market assumptions and research-based asset allocations to tailor financial plans. The firm combines institutional trading capabilities with wealth management, operating as a broker-dealer, investment adviser, and futures commission merchant.

Robert Ervolina is a financial advisor with Cetera who holds Series 63, 65, and 66 credentials and has 27 years of industry experience. He serves as CEO of Lifetime Wealth Management Group, Inc., where he focuses on financial, estate, retirement, and investment planning. He is also the sole trustee of his late grandfather’s estate. Cetera Investment Advisers LLC is an SEC-registered adviser offering portfolio management, financial planning, and retirement services through a nationwide network of independent advisors. The firm serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts with a multi-manager platform that includes affiliated and third-party investment strategies.