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 financial advisor at OSAIC with eight years of industry experience. He holds a Series 66 designation and previously worked at American Portfolios Financial Services, Inc. for six years and the Lancaster Central School District for fifteen years. Outside of his advisory role, he is involved as an independent insurance agent, selling life insurance policies and fixed annuities. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and investment advisory services through a large network of advisers using various asset-allocation tools and third-party platforms.

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.

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.

Lisa Monpere Cruz is a financial advisor with Primerica Advisors in Amherst, NY, holding a Series 63 designation and 14 years of industry experience. She has worked with PFS Investments Inc. since 2012 and has been involved in entrepreneurial ventures including executive pen sales and internet affiliate marketing. Cruz has also served on the faculty at the University at Buffalo since 1986. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which provides model-delivery strategies and a limited selection of separately managed accounts for individual and high-net-worth clients. The firm curates third-party asset managers and uses a wrap-fee structure with various investment models implemented through BNY Mellon Advisors.

Gavin Faulkner is a financial advisor at J.P. Morgan Securities with three years of industry experience. He previously worked at Prudential/Pruco and JPMorgan Chase Bank, N.A. Outside of his advisory role, he serves on the parish council of St. Peter and Paul's OCA, participating in the operations of the parish. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, employing a quantitative asset-allocation approach combined with centralized due diligence and an ESG eligibility framework.

Colin Lucey is a financial advisor at Equitable Advisors with four years of industry experience. He holds the Series 66 designation and previously worked in the automotive sales sector at Riverfront Auto Sales and Buffalo Auto Group. 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 utilizes a range of advisory models and third-party managers, covering mutual funds, ETFs, separately managed accounts, and select alternative investments.

Louis Nuchereno is a financial advisor with Equitable Advisors in Williamsville, NY, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with Equitable Advisors and its predecessor AXA Advisors since 1999. Outside of his advisory work, he serves on the boards of the Greater Buffalo Sports Hall of Fame, Amherst Police Foundation, and Signal 30 Benefit Fund, all nonprofit organizations focused on community and charitable activities. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension plans, corporations, and charitable organizations. The firm employs a variety of advisory programs and third-party asset managers to deliver customized investment solutions.

Kyle Lucey is a financial advisor with Equitable Advisors in Williamsville, NY, holding Series 63 and Series 65 licenses and 13 years of industry experience. He has worked with Equitable Advisors since 2013, including the firm’s prior affiliation as AxA Advisors. Outside of his advisory role, Lucey serves as a parish trustee at St. Gregory the Great Roman Catholic Parish. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension plans, corporations, and charitable organizations. The firm emphasizes matching clients to program models or discretionary managers, often utilizing third-party advisory platforms and offering a broad range of investment options.

Justin Wild is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and two years of industry experience. He has worked at Avantax Advisory Services and currently manages accounting and tax services as the owner and president of J. Wild, CPA, P.C. Cetera Investment Advisers LLC serves a broad client base including individual, corporate, charitable, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to both affiliated and third-party managers.

Terrence Sprow is a financial advisor with Mass Mutual Investors Services in Amherst, NY, holding a Series 63 designation and bringing 40 years of industry experience. His career includes positions at Metlife Securities Inc. and New England Securities. MML Investors Services, LLC, a subsidiary of MassMutual, provides ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers, utilizing firm-approved software and annual collaborative planning relationships.

Alexander Bencini is a Series 66-registered financial advisor with LPL Financial, based in Williamsville, NY, and has 10 years of industry experience. He previously worked at Wells Fargo Advisors Financial Advisors, LLC from 2016 to 2020. His activities include operating under the DBA names Russell Private Wealth Management and Russell Wealth Management, Inc., both associated with his LPL business. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management access, and institutional platforms, supporting a range of investment strategies implemented by its network of advisors.

Steven Yeh is a financial advisor at Cambridge Investment Research Advisors with 34 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Ic Advisory Services Inc, The Investment Center Inc, and INVEST Financial Corp. Outside of his advisory role, he serves as a board member of the American Education Foundation and operates a tax services business. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm provides financial planning, investment management, and retirement advisory services through independent professionals, offering a range of portfolio management options and proprietary as well as third-party investment strategies.

Ryan Geary is a financial advisor with Equitable Advisors in Williamsville, NY, holding Series 63 and Series 66 credentials and nine years of industry experience. He has worked at Equitable Advisors since 2017 and was previously employed by Axa Advisors, LLC from 2017 to 2020. Prior to his financial services career, he was involved in landscaping services for three years. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset-management programs through a network of Investment Adviser Representatives, utilizing both proprietary and third-party investment solutions.

Joseph Porto is a financial advisor with OSAIC, holding a Series 63 designation and 36 years of industry experience. He previously worked at Signator Investors, Inc. and John Hancock Mutual Life Insurance Co., each for 28 years. Porto serves as a volunteer board member for Aspire, a nonprofit organization supporting disabled children and adults. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage, investment advisory services, and various portfolio management solutions. The firm employs asset-allocation tools and automated rebalancing in constructing portfolios that may include diverse investment vehicles, managing accounts on both discretionary and non-discretionary bases.

Jack Reich is a financial advisor at Equitable Advisors with 20 years of industry experience. He holds Series 63, Series 65, and Series 66 designations. Reich has been with Equitable Advisors and its predecessor, Axa Advisors, LLC, since 2005. Equitable Advisors serves a diverse client base that includes individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives, utilizing both proprietary and third-party investment solutions.