Michelle Semrau is a financial advisor with Morgan Stanley in Williamsville, NY, holding Series 63 and Series 66 designations and bringing 26 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Elizabeth Grabiec is a financial advisor with Morgan Stanley in Williamsville, NY, holding Series 63 and Series 66 credentials and bringing 30 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved tools.

John Moshides is a financial advisor with MassMutual Investors Services who holds a Series 63 designation and has 43 years of experience in the industry. His prior work includes roles at Metlife Securities Inc. and MassMutual Life Insurance Company. Outside of his advisory work, he is involved in writing, speaking engagements, consulting, and facilitating introductions for mergers and acquisitions. MassMutual Investors Services operates as 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, employing firm-approved tools to analyze client goals and deliver written recommendations.

Christopher Phillips is a financial advisor at OSAIC with 16 years of industry experience. He holds the Series 63 and Series 65 credentials. Prior to joining OSAIC in 2025, he worked at Cetera and Foresters Advisory Services. He also operates a fixed insurance and annuities business as an agent. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform that offers brokerage and advisory services, including comprehensive financial planning and managed portfolio programs. The firm’s investment process emphasizes model-based asset allocation and portfolio optimization supported by risk-tolerance analysis and rebalancing tools.

Justin Chatelle is a financial advisor with Cetera based in Williamsville, NY, holding a Series 66 designation and one year of industry experience. Prior to joining Cetera, he worked at Ogorek Wealth Management for eight years and had a four-year tenure at Consumers Beverages. He is also affiliated with CCR Wealth Management LLC, where he provides financial services. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable organizations, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, managing over $256 billion in assets through more than 10,000 advisors.

Sandra Anderson is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and 26 years of industry experience. She has been with Wells Fargo Clearing since 2016. Outside of her advisory role, she has engaged in retail and cosmetic sales positions on a part-time basis. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

James Honaker is a CFP® with 24 years of industry experience, currently serving as a financial advisor at OSAIC since 2025. He previously worked for Lincoln Financial Advisors Corp. for 22 years and has a long background at PI-MAC Corporation. Outside of advisory work, he is a Certified Divorce Financial Analyst, provides college planning instruction, and serves as a board member for a senior living community. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporations. The firm offers a broad range of brokerage and advisory services supported by model-based asset allocation and portfolio optimization tools within a large multi-advisor platform.

Nicholas Gagliardo is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and 17 years of industry experience. He previously spent 11 years with TIAA-CREF and TIAA before joining Raymond James in 2025. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and charitable organizations, offering financial planning and non-discretionary investment consulting through various specialized programs.

Brian Burkhardt is a CFP®-certified financial advisor with 19 years of industry experience. He is currently with Ameriprise Financial Services, where he has worked since 2020. Prior to that, he spent nine years at Bank of America and Merrill. Outside of advising, he has real estate ownership in Buffalo, NY. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients, offering specialized retirement income planning that includes written recommendations and ongoing guidance focused on income sources and tax-aware withdrawal strategies.

Robert Burgio is a financial advisor with OSAIC in Williamsville, NY, holding a Series 63 license and 18 years of industry experience. He previously worked at Signator Investors, Inc. for 11 years before joining OSAIC in 2018. Outside of his advisory role, he assists his wife by signing checks for her sole proprietorship business. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm emphasizes model-based asset allocation and portfolio optimization, providing a range of managed account programs and third-party investment options.

Samuel Cappiello is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in employee benefits planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, tax minimization, and retirement income. Samuel works to help clients pursue their financial goals through personalized wealth management strategies that adapt to changing market conditions. He holds the designation of Personal Investment Advisor (PIA) and has earned an Associate's Degree/College Diploma from ECC. Samuel leads The Cappiello Group, which has been serving the Western New York area for over 30 years. The group operates with a team structure where each member focuses on a specific portion of the portfolio and planning process, creating tailored and customized portfolios for individual clients. Samuel is committed to community involvement, following the Merrill tradition of participating in the communities served. He volunteers with organizations in the Western New York community.

Colette Safy is a Series 66-licensed financial advisor with 28 years of industry experience. She has worked at OSAIC since 2018 and previously held roles at Signator Investors, Inc. and John Hancock Mutual Life Insurance Company. In addition to her advisory duties, she serves as Director of Operations at Northeastern Financial Partners, LLC. OSAIC Wealth serves a diverse client base including retail investors, retirement plans, charities, and corporations, offering brokerage and advisory services through a multi-advisor platform. The firm employs a model-based investment approach with portfolio optimization tools and provides a range of managed account and third-party manager options.

Sarah Cirillo is a financial advisor with Equitable Advisors holding a Series 66 credential and has two years of industry experience. Her background includes roles at Agricultural Products Extension LLC and Maxim Management Services, as well as operating Zoe Restaurant in 2023. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management programs. The firm utilizes both proprietary and third-party advisory programs and offers fiduciary services to qualified plans through credentialed representatives.

Ryan Matthews is a financial advisor with Equitable Advisors in Williamsville, NY, holding Series 63 and Series 66 licenses and eight years of industry experience. Prior to joining Equitable Advisors in 2018, he was with Axa Advisors, LLC for two years and attended the University of Pittsburgh from 2014 to 2018. Equitable Advisors serves individuals, pension plans, corporations, charitable organizations, and institutional clients by offering financial planning, retirement plan consulting, and various asset-management programs. The firm employs a range of advisory models, often implemented through third-party asset managers and advisory platforms, and provides ERISA fiduciary services to qualified plans.

Massimo Cimato is a financial advisor at Equitable Advisors with one year of industry experience. Prior to joining Equitable Advisors, he worked at National Fuel Gas Corporation and Capital Abstract Company. He serves as a board member of the Buffalo Curling Club and is a Public Notary in Erie County. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm employs a range of advisory programs delivered through its network of Investment Adviser Representatives and partners with third-party asset managers and LPL-sponsored advisory programs.

Ronald Moskala is a financial advisor with Mass Mutual Investors Services in Amherst, NY, holding a Series 63 designation and having 22 years of industry experience. He has been with Mass Mutual Investors Services and MassMutual Life Insurance Company since 2011. Outside his advisory role, he owns a seasonal vacation rental business. 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 financial planning, asset management, and educational seminars, structuring client relationships as ongoing collaborative engagements.

Debray Williams is a financial advisor at Wells Fargo Clearing with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Wells Fargo Clearing Services LLC since 2019, following prior roles at Papi Grandes and Axa Advisors, LLC. Outside of his advisory work, he serves as treasurer for Habitat for Humanity in Buffalo, 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 advisory process is IPS-driven and incorporates modern portfolio theory, with a broad range of investment options including insurance-related vehicles and bank deposit sweep programs.

Michael Capizzi is a financial advisor at Morgan Stanley with four years of industry experience. He holds a Series 66 designation and has previously worked at Mass Mutual Investors Services and MassMutual Life Insurance Company. Outside of his advisory role, he owns and operates a restaurant and nightclub business and serves as a board member of the Niagara Falls School District Board of Education. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and strategic investment modeling.

Donald Halicki is a financial advisor at Equitable Advisors with 24 years of industry experience. He holds a Series 66 designation and has worked at Equitable Advisors since 2002, including its predecessor firm Axa Advisors. Halicki serves as a board member on the West Seneca Schools Finance Academy advisory board. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension plans, corporations, and charitable organizations. The firm offers a range of investment programs and fiduciary services, utilizing both proprietary and third-party solutions.

Bruno Lombardo is a CFP® with 26 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He holds a Series 66 designation and is based in Williamsville, NY. Outside of his advisory role, he serves as vice president of the Lakeshore Woods Homeowners Association, where he participates in community event planning and outreach. Wells Fargo Advisors is a national securities firm providing investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets with over 14,000 financial advisors and offers both brokerage and advisory solutions.