Max Lipsitz is a CFP® with 13 years of industry experience, currently serving as a financial advisor at Osaic. He previously worked for Securities America Advisors and SECURITIES AMERICA, inc. for over a decade. Outside of his advisory role, he is involved with U.S. Elite Volleyball, LLC, a business he has been part of since 2010, and serves on the investment sub-committee for FeedMore WNY, a local foodbank. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charities. The firm offers a range of brokerage and advisory services, employing a variety of tools and platforms to construct portfolios with multiple asset types, and supports both discretionary and non-discretionary account management.

Stephen O'Donnell is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and possessing 41 years of industry experience. He previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of his advisory role, he serves as a baseball umpire with the Niagara Falls Umpire Association. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients, including individual and high-net-worth investors, retirement plans, and corporate and charitable entities. The firm utilizes model-driven investment implementation and offers access to third-party asset managers, financial planning, and various affiliated financial services.

Kenneth Weinstein is a CFP®-credentialed financial advisor with over 33 years of industry experience. He is currently affiliated with Cetera Wealth Services, LLC and Cetera, having previously worked at Avantax and Mony Securities Corporation. Outside of his advisory work, Weinstein operates a CPA firm focused on tax preparation and accounting and is involved in the sale of seat covers for classic cars. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform with access to affiliated and unaffiliated third-party managers.

Joshua Pereira is a Senior Financial Advisor with Merrill Lynch Wealth Management. Since beginning his career in August 2000, he has focused on creating strategies and providing advice tailored to individuals, families, and businesses, with an emphasis on understanding their short- and long-term financial goals. He holds the Personal Investment Advisor (PIA) designation and earned a bachelor's degree in Business Administration from Saint Bonaventure University. Joshua prioritizes client satisfaction and applies disciplined strategies to assist clients in achieving their financial objectives. He lives in Lakeview, NY with his wife, Meghan, and their two daughters.

Laura O'geen is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. She has worked at M&T Bank since 1992 and at M&T SECURITIES, Inc. for 29 years before joining LPL Financial in 2021. 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 financial planning and investment management services, utilizing both model portfolios and customized strategies to serve its extensive network of advisors and clients.

Blair Leiker is a Planning Consultant at Fidelity Investments, where they work collaboratively with clients and Financial Consultants to develop comprehensive financial plans tailored to clients' current goals and aspirations. Their role focuses on helping clients work towards achieving a successful financial future. Blair has been with Fidelity Investments since 2017, holding various positions including Relationship Manager from 2021 to 2023, 529 College Planning Service and Help Desk from 2018 to 2021, and Customer Relationship Advocate from 2017 to 2018. This progression reflects experience in client relationship management and financial planning support services.

Joseph Andrade is a financial advisor with Primerica Advisors in Amherst, NY, holding a Series 63 designation and 25 years of industry experience. His career includes roles at Crossmark and longstanding positions at PFS Investments Inc. and Primerica Financial Services. Outside of advisory work, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and employs a tiered wrap-fee structure for its services.

Justin Reich is a financial advisor with Equitable Advisors in Williamsville, NY, holding a Series 66 designation and three years of industry experience. Prior to joining Equitable Advisors, he worked for nine years at Northtown Automotive Group and spent two years at Fred Beans, with an additional year at Colonial Motors. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension plans, corporations, charitable organizations, and other institutional clients. The firm’s approach includes assessing client risk tolerance and matching them with program models or discretionary managers, utilizing both proprietary and third-party solutions.

Devon Tobler is a financial advisor at LPL Enterprise with a Series 66 designation and less than one year of industry experience. His prior roles include positions at M&T Bank and Target Corporation. Tobler also worked at Dash's Market for eight years. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, corporate, and charitable entities through its network of investment adviser representatives. The firm primarily uses model-driven investment implementation and offers access to third-party asset managers, financial planning, and related services.

Michael Gnacinski is a financial advisor with Mass Mutual Investors Services in Amherst, NY, holding a Series 63 designation and 27 years of industry experience. He has been with Mass Mutual Investors Services since 2017 and also has longstanding tenures with Massachusetts Mutual Life Insurance Company and Metlife Securities Inc. since 1999. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, structuring planning engagements as collaborative annual relationships using analytical tools to guide investment strategies.

John Ahrens is a financial advisor with Mass Mutual Investors Services who holds a Series 63 designation and has 38 years of industry experience. He has been associated with MML Investors Services, Inc. since 1987 and Massachusetts Mutual Life Insurance Company since 1986. Outside of his advisory role, Ahrens is president and part owner of Buflife Agency Inc., a life and health insurance agency. MML Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements using firm-approved analytical tools, with optional implementation of recommendations through separate brokerage or insurance arrangements.

Kenneth Sendlak is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and 26 years of industry experience. He has worked at MassMutual Life Insurance Company since 2016 and was previously with Metlife Securities, Inc. from 2007 to 2017. Outside of his advisory role, he is a representative and producer for Specific Solutions, focusing on fixed annuities. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm emphasizes collaborative, goal-based planning supported by firm-approved software tools and offers specialized services including divorce planning and estate settlement.

Michael Rea is a financial advisor with Equitable Advisors in Williamsville, NY, holding a Series 66 designation and 19 years of industry experience. He has been with Equitable Advisors since 2007, including its predecessor entity Axa Advisors. Equitable Advisors serves a broad client base including individual investors, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm offers financial planning, retirement plan consulting, and various asset management programs, utilizing both proprietary and third-party advisory models and emphasizing risk assessment and tailored investment solutions.

Erin Harrington is a financial advisor at Equitable Advisors with a Series 66 designation and four years of industry experience. Prior to joining Equitable Advisors in 2022, she worked at M&T Bank and held various roles including statistician for Daemen College Athletics, where she has served since 2019. Equitable Advisors serves individual investors, pension and profit-sharing plans, corporations, and charitable organizations with financial planning and asset management services. The firm utilizes a range of investment programs and third-party asset managers to tailor solutions based on client risk tolerance and goals.

Shane Federko is a financial advisor at LPL Enterprise holding a Series 66 designation with one year of industry experience. His prior roles include positions at PRUCO Securities, Summit Wealth Management, and MoonBrook Country Club, as well as work in educational institutions such as SUNY Fredonia, Jamestown Community College, and Jamestown Public Schools. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach utilizing portfolios developed by LPL’s Research Department and third-party strategists, and offers financial planning, access to third-party asset managers, and various affiliated services.

Jonathan Fichter is a CFP®-certified financial advisor with 11 years of industry experience. He is currently associated with LPL Financial and has previously worked at Securities America Inc and OSAIC. Fichter also operates Fichter Wealth Management as a DBA. 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 provides a range of advisory services, including financial planning and access to third-party asset managers, supported by technology tools for advisors.

Avery Cywinski is a financial advisor at Mass Mutual Investors Services with a Series 66 designation and one year of industry experience. Prior to joining the firm, Avery worked at BankonBuffalo and has experience in both financial services and hospitality. 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 offers financial planning, asset management, and educational seminars with a collaborative, client-focused approach.

Scott Miranto is a Certified Financial Planner (CFP®) and Chartered Financial Consultant (ChFC®) with 12 years of experience in the financial services industry. He has been with Ameriprise since 2013, currently serving as a financial advisor in Amherst, NY. Outside of his advisory role, he works as a shot clock operator for college basketball games at Daemen College. Ameriprise Financial Services is a large, diversified firm that serves both individual and institutional clients, offering specialized retirement income planning focused on dependable income sources and tax-aware withdrawal strategies. The firm’s approach integrates proprietary research and third-party data to provide tailored advice within a defined investment universe.

Kevin Malaney is a CFP®-designated financial advisor with 15 years of industry experience, currently associated with Morgan Stanley in Williamsville, NY. He has been with Morgan Stanley Smith Barney since 2010 and the Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning and estate planning, and manages approximately $2.74 trillion in client assets.

Robert Nusinov is a financial advisor with OSAIC, holding a Series 63 credential and 26 years of industry experience. He previously worked at Securities America Advisors Inc for 17 years and has operated his own business, L&M Financial Services, since 2000. In addition to his advisory work, he is involved in insurance sales through L&M Group. OSAIC serves a diverse range of clients, including individuals, institutional investors, and charitable organizations, offering integrated brokerage and advisory services. The firm utilizes various asset-allocation tools and third-party platforms to build and manage portfolios across multiple investment types.