Raymond Pavicich is a financial advisor with Mass Mutual Investors Services in East Aurora, NY, holding a Series 66 designation and 17 years of industry experience. He has been with Mass Mutual Investors Services since 2012 and with Massachusetts Mutual Life Insurance Company since 2011. In addition to his advisory role, he consults with financial advisors through Mindshift Financial Coaching, focusing on building planning-centered practices. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning, asset management, and educational services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm structures planning as annual, collaborative relationships and offers specialized programs such as divorce planning, estate settlement, and employer-sponsored planning.

Jerome Wojnicki is a financial advisor with LPL Financial in Buffalo, NY, holding Series 63 and Series 66 credentials and bringing 34 years of industry experience. His career includes roles at Scottrade, TD Ameritrade, and The Vanguard Group. 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, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management, along with model portfolios and research from various sources.

Dennis J. Donovan is the sole advisor at Donovan, Dennis J, an independent advisory firm based in Buffalo, NY. He holds a Series 65 designation and has three years of industry experience. Prior to founding his advisory firm, he has been involved with Stark Tech, Inc. since 2016. Donovan also holds a CPA license but is not currently practicing in that capacity. Donovan, Dennis J operates as a referral-based advisory firm that serves a small client base, including high-net-worth individuals and pension or profit-sharing plans. The firm does not manage or take custody of client assets directly but directs clients to third-party investment advisers, focusing primarily on fixed income and equity allocations.