Luke Topolski is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 designations and seven years of industry experience. He has worked at Equitable Advisors since 2018 and previously at Axa Advisors, LLC. Outside of his advisory role, he is a partner in Sell Farm North, a non-investment business. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations, providing financial planning, retirement plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model and offers both advisory and brokerage/insurance channels to implement client recommendations.

Thomas Blumberg is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. Prior to joining Merrill, he has held roles in the restaurant and hospitality sectors and has experience working with Loyola University and local organizations. Outside of financial advising, he is involved with Underground Pizza Company. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services primarily to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Ashley Avery is a financial advisor with Raymond James & Associates, holding a Series 66 designation and four years of industry experience. Prior to joining Raymond James, she worked at RBC Capital Markets and Wells Fargo Clearing Services. Outside of financial advising, she provides part-time drop-in pet sitting services through a business called A Place for Rover, Inc. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets and serving individuals, institutions, and municipal entities. The firm offers non-discretionary financial planning and investment consulting, utilizing a range of portfolio management styles and firm research to support client decisions.

Alexander Jordan is a CFP® professional with nine years of industry experience, currently associated with Cetera. He has held roles at Cetera Wealth Services, EP Jordan & Associates, and serves as a worship pastor and songwriter at Vessel Church. Additionally, he is involved in collegiate rugby as a referee and owns a music publishing company. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, retirement plans, corporations, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to a variety of program structures and third-party money managers.

Nathan Kross is a Series 66-licensed financial advisor with LPL Financial in Williamsville, NY, with one year of industry experience. Prior to joining LPL, he worked at Next Financial Group and Brand Name Depot, and has been affiliated with the University at Buffalo. Outside of his advisory role, he is the owner of Papas Pizza Oven and an author with Dancing Dragons LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of representatives. The firm offers a range of financial planning and advisory programs, combining discretionary and non-discretionary management with access to model portfolios, research, and technology-driven investment solutions.

Timothy Mcmahon is a financial advisor at LPL Financial with 17 years of industry experience. He holds the Series 63 and Series 66 licenses. Prior to joining LPL Financial in 2025, he worked at Cadaret, Grant & Co., Inc. for a total of 10 years and at Dibble & Miller P.C. for four years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Michael Tyrpak is a financial advisor with Cambridge Investment Research Advisors who holds a Series 63 designation and has 16 years of industry experience. He has been with Cambridge since 2012 and also operates Tyrpak Financial Associates. Tyrpak is active in his community, serving on the board of the Canisius High School Alumni Association and holding leadership roles in the Rotary Club of Niagara Falls, as well as volunteer positions with local Cub Scout and Scouts BSA troops. Cambridge Investment Research Advisors is a large SEC-registered adviser serving a diverse client base that includes individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services delivered through a network of independent Financial Professionals using a variety of portfolio management and model-based solutions tailored to client objectives.

Nicholas Pellicore is a Series 66-licensed financial advisor with Ameriprise in Buffalo, NY, and has 11 years of industry experience. He has been with Ameriprise and its affiliated entities since 2014. Outside of his advisory role, he is a co-owner of a real estate business in Williamsville, NY. Ameriprise is a large institutional firm that offers retirement-income planning services primarily for individuals with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written, non-discretionary retirement income recommendations delivered through a centralized consulting team in partnership with financial advisors.

Stephen Nicholson is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been with the firm since 1994, providing clients with wealth management services tailored to their individual needs. Stephen is a CERTIFIED FINANCIAL PLANNER™ professional and holds several designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). His expertise includes individual investment selection involving stocks, bonds, and mutual funds, as well as business retirement planning services such as 401(k) and profit sharing. Stephen earned a Bachelor of Business Administration degree in finance from Saint Bonaventure University.

David Stromecki is a ChFC® with 28 years of industry experience, currently serving at Cambridge Investment Research Advisors since 2012. He is president of Brown & Stromecki Agency Inc., an independent insurance firm, and is active as a volunteer firefighter and a director with the Buffalo Niagara Business Ethics Association. Additionally, he serves as a New York State ambassador for the Hunt of a Lifetime Foundation. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm offers a range of financial planning, investment management, and retirement advisory services through a network of independent professionals using various portfolio management and model-based solutions.

Timothy Lilley is a financial advisor at Ameriprise Financial Services with 42 years of industry experience. He holds a Series 63 designation and has worked at Ameriprise since 2016. Outside of advisory work, he serves on the Board of Directors for Spectrum Health Services. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides personalized retirement income planning through written recommendation reports and ongoing advice. The firm’s approach integrates proprietary investment research, third-party data, and algorithmic tools, with investment options influenced by affiliated product partnerships.

David Hettrick is a financial advisor at Equitable Advisors with a Series 66 designation and one year of industry experience. His prior work history includes roles at DataSure24, Networking Technologies, ATTO Technologies, and Teracai. He serves as a trustee of a family trust. Equitable Advisors provides financial planning, retirement-plan support, and access to asset management for individual investors, retirement plan sponsors, corporations, and charitable organizations. The firm operates a hybrid referral and implementation model, utilizing third-party asset managers and offering both advisory and brokerage channels.

James Mosko is a financial advisor with Equitable Advisors in Lancaster, NY, holding a Series 66 designation and five years of industry experience. He has been with Equitable Advisors since 2020 and previously worked at Wegmans for twelve years. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and a wide range of third-party asset managers. The firm employs a hybrid referral and implementation model, tailoring services through a detailed client intake process and offering both advisory and brokerage/insurance channels to implement client recommendations.

Phillip Hayduk is a financial advisor with Equitable Advisors and holds Series 63 and Series 66 licenses. He has six years of industry experience, including roles at AXA Advisors and academic positions at Niagara University, Moreno Valley College, and San Diego State University. Equitable Advisors serves a diverse client base, including individuals, high-net-worth clients, retirement plans, and institutions, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and broker-dealer, utilizing LPL-sponsored programs and endorsed TAMPs to deliver advisory and brokerage solutions.

Steven Glamuzina is a financial advisor with Equitable Advisors in Williamsville, NY, holding a Series 66 designation and 17 years of industry experience. He has been with Equitable Advisors since 2008, following his tenure at AXA Advisors. Outside of his advisory role, he serves on the finance council of St. Gregory the Great Parish and is a board member and minority owner of Prosrix Inc., a company specializing in NFC-based authentication and marketing for wine and spirits. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through third-party programs. The firm uses a hybrid referral and implementation model, offering both advisory and brokerage channels to implement client recommendations.

Steven Barber is a financial advisor at LPL Financial with 16 years of industry experience. He previously worked at Janney Montgomery Scott and Bank of America, including Merrill Lynch. Outside of his advisory role, he is a co-owner of a real estate rental LLC. LPL Financial serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services with both discretionary and non-discretionary management options.

Nicholas Kelly is a financial advisor with Equitable Advisors in Williamsville, NY, holding a Series 66 designation and 20 years of industry experience. He has been with Equitable Advisors since 2005 and was previously affiliated with Axa Advisors, LLC. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and various third-party asset managers. The firm operates a hybrid referral and implementation model, offering both advisory and brokerage channels tailored to client goals, risk tolerance, and time horizons.

Jeffrey Andruschat is a financial advisor at OSAIC with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Securities America Advisors, Inc. and First National Investors. He has been involved in fee-based advisory services and insurance sales throughout his career. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable organizations through a large network of affiliated advisors. The firm offers a wide range of investment advisory and brokerage services, utilizing asset allocation tools, risk-tolerance assessments, and automated portfolio rebalancing.

Robert Fahey is a financial advisor with LPL Financial, holding a Series 66 designation and having 10 years of industry experience. He has worked at Cadaret, Grant & Co., and operated Robert F. Fahey Jr. & Associates since 2015. Fahey is also involved in non-variable insurance activities. LPL Financial serves a wide range of clients including individuals, retirement plans, and institutions, offering various advisory programs, financial planning, and investment management supported by research and model portfolios.

Patrick Denisco is a financial advisor with Equitable Advisors in Lakewood, NY, holding a Series 66 designation and 17 years of industry experience. He has been with Equitable Advisors since 2008 and previously worked at Axa Advisors, LLC. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model that includes advisory and brokerage channels, emphasizing tailored client intake and ongoing advisory relationships.