Michael Carrig is a financial advisor at UBS Financial Services with 11 years of industry experience. He holds the Series 66 designation and has worked at UBS since 2022. Prior to UBS, he was with Bank of America N.A. and Merrill from 2014 to 2022. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides a range of financial planning and portfolio management solutions supported by proprietary research and a broad platform of capital markets and custody services.

Gino Callisto is a financial advisor with Mass Mutual Investors Services who holds Series 63 and Series 65 licenses and has 26 years of industry experience. He has worked with MML Investors Services since 2011 and Mass Mutual Life Insurance Company since 2009. In addition to his advisory role, he is an agent involved in life insurance sales. 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, estates, charitable organizations, and employers. The firm offers educational seminars and diverse planning programs, including recent additions like standalone Divorce Planning and estate-settlement services.

Matthew Mcmahon is a Financial Advisor at Merrill Lynch Wealth Management. He joined the firm in 2026, bringing with him two decades of experience in Capital Markets and Institutional Sales acquired at various broker dealers. Matthew specializes in advising clients on investment strategies and wealth management tailored to their financial goals. He holds a Bachelor of Science degree in Business Management from the State University of New York at Buffalo. Additionally, Matthew has earned the Personal Investment Advisor (PIA) designation, supporting his professional expertise in personal investment advisory services.

Jason Bridge is a financial advisor at Equitable Advisors with four years of industry experience. He holds the Series 66 designation and previously worked for Upstate New York Transplant Services for sixteen years. 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 operates a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels to implement client recommendations.

Daniel Blake is a financial advisor with MML Investors Services, a subsidiary of MassMutual, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. He has been with MML Investors Services and Massachusetts Mutual Life Insurance Company since 1987. Outside of his advisory role, he owns and operates SFG Consulting, which focuses on business succession planning, and Southtowns Financial Group, providing insurance services. MML Investors Services, LLC serves individuals, business owners, trusts, estates, charitable organizations, and employers by offering financial planning, asset management, and educational seminars. The firm’s approach includes collaborative, annual financial planning engagements using firm-approved software to analyze client goals and recommend investment strategies.

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 21 years of industry experience. He has worked with Equitable Advisors since 2005, previously affiliated with Axa Advisors, LLC for 15 years. 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 broker-dealer, utilizing LPL-sponsored programs and endorsed TAMPs to provide advisory and brokerage solutions.

Morgan Tanski is a financial advisor at Equitable Advisors with six years of industry experience. He holds a Series 66 designation and has previously worked at Axa Advisors and in academic roles at Niagara University and the University of New Hampshire. Outside of his advisory work, he serves as Treasurer for CEPA Gallery, where he consults on balance sheets and participates in fundraising efforts. Equitable Advisors serves a diverse client base, including individuals, high-net-worth clients, retirement plans, corporations, charities, and institutions. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, operating through multiple program sponsors and managers to provide advisory and brokerage solutions.

Alicia Birch is a financial advisor at Raymond James & Associates with 28 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Merrill Lynch from 1988 to 2024. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

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 at Merrill with six years of industry experience. He holds a Series 66 designation and has worked at Bank of America and Merrill since 2020. He is also the author of a children's book titled *With Allah In My Heart*, which he wrote for his son. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies supported by internal and third-party managers for a range of clients including individuals, high-net-worth investors, and institutions.

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 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.