Mark Alvut is a financial advisor with Merrill, holding Series 63, 65, and 66 licenses and bringing 43 years of industry experience. He has worked at Merrill since 2006 and has been with Bank of America since 2009. Merrill provides managed account services through the Select Portfolio Solutions program, serving a diverse client base including individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm offers a range of investment strategies implemented by Managed Account Advisors LLC and incorporates its Chief Investment Office’s models within the broader Bank of America platform.

Linda Banks is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and 22 years of industry experience. She has been with Equitable Advisors since 2011 and previously worked at Axa Advisors, LLC. Equitable Advisors serves individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients by 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 a broker-dealer, utilizing multiple third-party managers and LPL-sponsored programs to provide advisory and brokerage solutions.

Ryan Hanretty is a financial advisor with Equitable Advisors in Williamsville, NY, holding Series 63 and Series 66 licenses and possessing 20 years of industry experience. He has been with Equitable Advisors since 2005, previously associated 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 third-party programs. The firm operates a hybrid referral and implementation model, utilizing a broad roster of asset managers and offering both advisory and brokerage/insurance channels to implement client recommendations.

Morgan Tanski is a financial advisor at Equitable Advisors with five years of industry experience. He holds a Series 66 designation and has worked at Equitable Advisors since 2020, following prior roles at Axa Advisors and academic positions at Niagara University and the University of New Hampshire. Outside of his advisory role, he serves as Treasurer for CEPA Gallery, where he consults on balance sheets and participates in fundraising efforts. 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, combining advisory and brokerage channels to tailor services based on client goals, risk tolerance, and time horizon.

Alicia Birch is a financial advisor with Raymond James & Associates, holding Series 63 and Series 66 designations and bringing 28 years of industry experience. She spent 36 years at Merrill Lynch before joining Raymond James in 2024. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets with over 5,400 advisors. The firm serves a broad client base, including individuals, pension plans, corporations, and government entities, providing wealth advisory planning and investment consulting primarily on a non-discretionary basis.

Mark Massaro Jr. is a financial advisor with Ameriprise in Clarence Center, NY, holding a Series 66 designation and 11 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2013. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, offering tailored Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its approach and delivers these services through a centralized consulting team in partnership with financial advisors.

Faraaz Mohammed Ali is a financial advisor with Merrill based in Buffalo, NY, holding a Series 66 designation and five years of industry experience. He has worked at Merrill and Bank of America since 2020 and authored a children's book titled *With Allah In My Heart*. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a variety of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Jacob Kranz is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and four years of industry experience. His prior roles include positions at Morgan Stanley Smith Barney LLC and KeyBank. Outside of his advisory work, he manages a rental property as a landlord. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm offers collaborative, annual planning engagements using firm-approved analytical tools and supports a range of specialized services including divorce, estate-settlement, and employer-sponsored planning programs.

Emir Culov is a financial advisor at Raymond James Financial with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Wells Fargo Advisors and Morgan Stanley. He serves as an advisory board member for the RIT Saunders School of Business. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm emphasizes non-discretionary financial planning and investment consulting, offering tailored strategies supported by firm research and a broad affiliate network.

Nicholas Wojnar is a financial advisor at Equitable Advisors with seven years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Equitable Advisors since 2018, previously affiliated with Axa Advisors, LLC. Outside of his advisory role, he has served as a power of attorney for a family member. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by offering 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, combining advisory and brokerage channels to tailor services based on client goals, risk tolerance, and time horizon.

James Tyrpak is a financial advisor with Cambridge Investment Research Advisors and holds the ChFC® designation along with Series 63 and Series 65 licenses. He has 41 years of industry experience and has been associated with Cambridge Investment Research since 2012. Tyrpak has also operated Tyrpak Financial Associates, Inc. since 1992 and serves as a board member of a local condominium association. Cambridge Investment Research Advisors is a large SEC-registered firm that provides financial planning, investment management, retirement plan advisory, and financial-wellness services to a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm offers a range of investment solutions through independent financial professionals, utilizing both proprietary and third-party strategies across multiple platform arrangements.

James Carey is a financial advisor with Edward Jones in Tonawanda, NY, holding a Series 63 designation and 21 years of industry experience. He has been with Edward Jones since 2004. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large network of advisors and branch offices nationwide.

Jamie Reece is a financial advisor at Ameriprise with a Series 66 designation and three years of industry experience. Prior to joining Ameriprise in 2022, Jamie held various roles in the fitness and hospitality sectors, including positions at Fitness International/ESPORTA Fitness and Curtiss Hotel. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on tailored retirement-income planning, leveraging proprietary research and a range of investment strategies within a defined product ecosystem.

Andrew Gradolph is a financial advisor with Equitable Advisors in Williamsville, NY. He holds Series 63 and Series 65 credentials and has two years of industry experience. Prior to joining Equitable Advisors in 2023, he worked in various roles including positions at Buffalo State University and Grand Island Greatscape. 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 uses a hybrid referral and implementation model and offers both advisory and brokerage/insurance services tailored to client goals and risk tolerance.

Matthew Pitrola is a financial advisor at Raymond James Financial Services Advisors, Inc. with six years of industry experience. He holds the Series 66 designation and has worked at firms including Custom Wealth Strategies and Commonwealth Financial Network. Outside of his advisory role, he serves as President of Buffalo Financial, a support company affiliated with Raymond James. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm offers financial planning and non-discretionary investment consulting, emphasizing tailored plans developed through detailed risk assessments and firm research.

Matthew Newman is a financial advisor with OSAIC, holding a Series 63 designation and bringing 30 years of industry experience. He has worked at OSAIC since 2024 and previously spent 17 years with Securities America Advisors, Inc. and Securities America, Inc. Newman is also involved in insurance product sales through L&M Financial Services. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charities. The firm offers a range of investment advisory and financial planning services utilizing various tools and third-party platforms to construct diversified portfolios tailored to client needs.

Carolyn Daigler is a financial advisor at Raymond James Financial with 11 years of industry experience and holds a Series 66 designation. She previously worked at Bank of America Merrill Lynch for eight years and has held roles at Noble Wealth Partners and Crux Wealth Advisors. Outside of advising, she is an associate and client services manager at Plail Wealth Management, providing administrative support. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth and non-HNW clients, pension and profit-sharing plans, charitable organizations, corporations, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, utilizing asset-allocation analysis and firm research, with a focus on advisory and implementation-support services.

Brad Arnone is a financial advisor with Cetera, holding a Series 63 designation and bringing 11 years of industry experience. He has been affiliated with Cetera since 2015 and also operates Crane Capital Group. Outside of his advisory roles, Arnone serves as a board member of the Centro Culturale Italiano di Buffalo, participating in fundraising and community activities. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a multi-manager platform with a range of portfolio management and consulting services, including access to third-party managers and various investment program structures.

Michelle Scrivani is a financial advisor with LPL Financial based in Tonawanda, NY, holding Series 63 and Series 66 registrations and 17 years of industry experience. She previously worked at M&T Securities and M&T Bank for over a decade before joining LPL Financial. Scrivani serves as secretary on the board of the nonprofit Crown Agency Inc. 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 investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by proprietary and third-party research and technology solutions.

Martin Steck is a financial advisor at Mass Mutual Investors Services with 39 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and previously spent 30 years with Metlife Securities Inc. Steck holds a Series 63 designation. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, emphasizing collaborative, goal-oriented planning without investment discretion.