Emir Culov is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 credentials and with 26 years of industry experience. He previously worked at Wells Fargo Advisors and Morgan Stanley in various roles before joining Raymond James. Culov serves on the advisory board of the RIT Saunders School of Business. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, corporations, pension plans, and institutional clients. The firm employs analytical tools for non-discretionary planning tailored to client goals and supports municipal and public-finance work through its affiliation with a municipal advisor.

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 at Cambridge Investment Research Advisors with 42 years of industry experience. He holds the ChFC®, Series 63, and Series 65 designations. Tyrpak has been with Cambridge Investment Research Advisors since 2012 and also operates Tyrpak Financial Associates, Inc., where he has worked since 1992. He serves as a board member of a local condominium association. Cambridge Investment Research Advisors is a large SEC-registered adviser that serves individuals, pension and profit-sharing plans, charitable organizations, trusts, estates, and other retirement-plan sponsors. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services delivered through a network of independent Financial Professionals, utilizing a range of portfolio management strategies and custody platforms tailored to client objectives.

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, Reece held positions in the fitness and hospitality sectors. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement-income planning, including tax-aware withdrawal strategies and Social Security claiming options. The firm’s approach involves a centralized team and proprietary research tools, with recommendations implemented non-discretionarily by clients or their advisors.

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 with seven years of industry experience and holds the Series 66 designation. He previously worked at Custom Wealth Strategies and Commonwealth Financial Network. He is also president of Buffalo Financial, a support company where he manages client assets and provides financial and retirement planning services. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individual, high-net-worth, institutional, and nonprofit clients. The firm employs tailored, non-discretionary planning and analytical tools to support client goals and maintains specialized programs for municipal advisory work and SIMPLE IRA employer consulting.

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 with Raymond James Financial, holding a Series 66 designation and 11 years of industry experience. Her prior roles include positions at Bank of America Merrill Lynch and Crux Wealth Advisors, among others. She also works as a Client Services Manager at Plail Wealth Management, providing administrative support. Raymond James Financial Services Advisors, Inc. offers financial planning and investment consulting to a wide range of clients, including individuals, institutions, and charitable organizations. The firm uses analytical tools to tailor non-discretionary planning and supports municipal and public finance work through a unique affiliation with a municipal advisor.

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 at LPL Financial with 18 years of industry experience. She holds Series 63 and Series 66 designations and has worked at firms including M&T Securities and NewEdge Advisors. 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 advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and technology-supported strategies.

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.

Alfred Leto is a financial advisor with Primerica Advisors in Amherst, NY, holding a Series 63 designation and 23 years of industry experience. He has worked with PFS Investments Inc. and Primerica Financial Services since 2001. In addition to his advisory role, he is involved in the sale of non-investment related products such as home security and automation through affiliated companies. Primerica Advisors provides discretionary asset management primarily to individual and high-net-worth clients through its Lifetime Investment Program, which offers model-delivery strategies and a limited number of separately managed account options. The firm employs third-party asset managers and uses a tiered wrap fee structure distinct from fixed-fee billing.

Gabriel Martinez Rivera is a financial advisor at LPL Financial with three years of industry experience. He holds Series 65 and Series 63 licenses and has previously worked at Canal Bank, Equitable Advisors, Key Bank, and Northwest Bank. Outside of his advisory role, he is employed at Tops Friendly Markets. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research from LPL Research and third-party subadvisors.

David Wolf is a financial advisor with Raymond James Financial Services Advisors Inc. in Buffalo, NY, holding Series 63 and Series 65 registrations and bringing 31 years of industry experience. He previously worked at Merrill Lynch for 22 years before joining Raymond James and Excelsior Financial in 2018. Wolf serves on the board and finance committee of The Saturn Club, a nonprofit city club in Buffalo. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, pension plans, corporations, charitable organizations, and institutions. The firm offers tailored non-discretionary planning and consulting using analytical tools and supports municipal and public finance work through a municipal advisor affiliation.

Timothy Mcnamara is a financial advisor at Morgan Stanley with 48 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses and has worked at UBS Financial Services and multiple divisions of Morgan Stanley since 2011. He serves as an officer for The Murphy Fund, a charitable organization that provides donations to those in need. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutions, utilizing structured financial planning tools and managing approximately $2.74 trillion in client assets. The firm provides tailored planning services through its Financial Advisors and Estate Planning Strategies Group.

Jacob Rosen is a financial advisor at Osaic Wealth, Inc. with eight years of industry experience and holds a Series 66 designation. He has worked at Osaic since 2024 and concurrently operates L&M Financial, which he founded in 2017. Outside of finance, Rosen is involved in hockey coaching, serving as head coach of the 18U AA Lockport Lockmonsters team and assistant coach at Williamsville North High School, as well as president of Moncell Hockey, a hockey training company. Osaic Wealth, Inc. serves a diverse client base including individual and institutional investors, offering integrated brokerage and advisory services, financial planning, and access to various managed account platforms. The firm utilizes proprietary asset-allocation tools and multiple third-party platforms to manage portfolios across a wide range of investment vehicles.

Angel Palacios is a financial advisor with Ameriprise, holding Series 63 and Series 66 credentials and 17 years of industry experience. His prior roles include positions at Santander Securities, Santander Bank, Bank of America, Merrill, and J.P. Morgan. He is also a financial advisor and financial planning specialist with Council Rock Associates, LLC. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on written recommendation reports and ongoing retirement-income planning. The firm’s approach includes asset allocation, adaptive withdrawal strategies, and Social Security planning, relying on proprietary research and third-party data within a defined investment universe.

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 at Morgan Stanley with 29 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds Series 63 and Series 66 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning supported by structured discovery processes and proprietary planning tools.