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 with Equitable Advisors in Williamsville, NY, holding Series 63 and Series 65 licenses and eight years of industry experience. He has worked at Equitable Advisors since 2018 and was previously with Axa Advisors. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset management through a network of Investment Adviser Representatives and third-party asset managers.

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, holding Series 63 and Series 65 licenses and three years of industry experience. Prior to joining Equitable Advisors in 2023, he held various roles including positions at Buffalo State University and Gannon University. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, and charitable organizations with financial planning, retirement consulting, and asset management programs. The firm’s approach involves matching clients to advisory models or discretionary managers, utilizing both proprietary and third-party solutions, including mutual funds, ETFs, separately managed accounts, and alternative investments.

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 with LPL Financial, holding Series 63 and Series 66 licenses and 18 years of industry experience. She previously worked at M&T Securities and M&T Bank before joining LPL Financial. Scrivani serves as secretary on the board of Crown Agency Inc., a nonprofit organization in Buffalo, NY. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of financial planning and investment management solutions, utilizing models and third-party subadvisors alongside advisory technology tools.

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 worked at firms including Canal Bank, Equitable Advisors, and Key Bank. Outside of his advisory role, he is employed at Tops Friendly Markets. 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 portfolio programs, and institutional platforms, supported by extensive technology and a network of over 22,800 advisors.

Matthew Wojcik is a financial advisor at Raymond James Financial with one year of industry experience. He holds a Series 66 designation and previously worked at Equitable Advisors, LLC. Outside of advisory work, he has been involved in operations support through a separate non-investment business activity. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, institutions, and charitable organizations, using tailored, non-discretionary advisory services supported by advanced analytical tools.

Stephen Raglow De Franco is a financial advisor with LPL Financial in Niagara Falls, NY, holding Series 63 and Series 65 credentials and 28 years of industry experience. His prior roles include positions at Ameriprise Financial Services, Inc. and International Assets Advisory, LLC. He is involved with Confident Trust Financial Group, a business entity related to his LPL work. 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 financial planning, model portfolios, third-party asset management access, retirement advice, and institutional platforms, supporting a wide range of investment strategies and leveraging technology tools for operational support.

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.