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.

Anthony Scalise is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and having 23 years of industry experience. His prior roles include positions at Invest Financial Corporation, The Investment Center Inc, and IC Advisory Services Inc. Scalise is also involved in insurance and human resources activities. Cambridge Investment Research Advisors serves a diverse client base, including individual and institutional clients such as pension and charitable organizations, offering financial planning, investment management, and retirement-plan advisory services through a range of platforms and proprietary model strategies.

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.

Tyler Powell Kelly is a financial advisor with J.P. Morgan Securities based in Buffalo, NY. He holds Series 66 and Series 63 licenses and has four years of industry experience, including prior roles at KeyBank, Tops Friendly Markets, and Citizens Bank. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research and incorporates ESG considerations in building model asset allocations.

Kevin Kopec is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and with 16 years of industry experience. His career includes prior roles at Merrill, Northwest Bank, and CUSO Financial Services. 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 range of advisory and brokerage services, including financial planning, wrap and model portfolio programs, and institutional platforms, supported by extensive resources and a network of over 22,800 advisors.

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.

John Ariola is a financial advisor at Cetera with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with firms including Lincoln Financial Advisors and Avantax Advisory Services. Ariola is the owner of BearingStone Wealth, Inc., a financial services and business valuation firm. Cetera Investment Advisers LLC is a nationwide independent advisory platform serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services, utilizing multiple program structures and third-party managers.

Evan Baskin Evans is a financial advisor with LPL Financial, holding a Series 63 designation and possessing 12 years of industry experience. His prior experience includes roles at SC Parker LLC, Cadaret, Grant & Co., Inc., and S. C. Parker & Co., Inc. He is associated with SC Parker LLC in a registered representative capacity. 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 portfolios, third-party asset management, and institutional platforms, supported by technology and a large network of investment adviser representatives.

Kenneth Hawley II is a Series 66 licensed financial advisor with eight years of industry experience. He is currently with OSAIC and has prior experience at American Portfolios Financial Services, Inc. and Lancaster Central School District. Outside of his advisory role, he works as an independent insurance agent selling life insurance policies and fixed annuities. OSAIC Wealth serves a diverse client base, including individual investors, retirement plan sponsors, charities, and corporate clients, offering a wide range of brokerage and advisory services. The firm employs a model-based investment process with portfolio optimization and supports various managed account strategies through an extensive multi-advisor platform.

Michael Juszczak is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. He has three years of industry experience and has worked at MML Investors Services, LLC and MassMutual Life Insurance Co. He is also the owner of Juzy LLC, which operates a retail business selling custom dye sublimated soccer jerseys, and he prepares personal tax returns through Juszczak Tax. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing, collaborative financial planning engagements using firm-approved analytical tools and offers various investment programs and educational seminars.

Kenneth Wohlberg is a financial advisor with LPL Enterprise, holding the CFP® and ChFC® designations and over 45 years of industry experience. His career includes 44 years at Principal Securities Inc. and 15 years at Principal Life Insurance Company. Outside of advising, he manages a non-variable insurance agency. LPL Enterprise provides investment advisory and brokerage services to individual and institutional clients, including high-net-worth investors and retirement plans. The firm employs a model-driven approach to investment implementation and offers access to third-party asset managers, insurance products, and affiliated trust custody and lending services.

Jason Berghold is a financial advisor with Cetera, holding a Series 63 designation and 15 years of industry experience. He has worked at several Cetera entities since 2019 and previously held roles at Foresters Financial Services, Evans Bank, and Key Investment Services. Outside of his advisory work, he volunteers as a high school football coach at Depew High School. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of investment program options, including discretionary and non-discretionary portfolio management, and oversees over $256 billion in assets across more than 10,000 advisors.

Kay Czechowski is a financial advisor with Primerica Advisors, holding a Series 63 designation and over 31 years of industry experience. She has worked at Primerica Advisors and Primerica Financial Services since 1994 and has prior experience with Nbl/Pfsu and Maintenance & Management Associates, Inc. In addition to advisory services, she is involved in sales of loan products and home-related services referrals 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 uses third-party asset managers and offers a tiered wrap-fee structure with ongoing oversight of its investment models.

David Piscitello is a financial advisor with Mass Mutual Investors Services who holds a Series 63 designation and has 33 years of industry experience. He has worked with MML Investor Service Inc and MassMutual since 2005. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm structures financial planning as annual collaborative engagements using firm-approved software to analyze client goals and deliver written recommendations.