James Sands is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 licenses and has 44 years of industry experience. He previously worked at UBS Financial Services from 2008 to 2020 before joining Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC in 2020. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a broad range of advisory programs to individuals and institutions, including tailored financial planning using firm-approved tools and strategies.

Matthew Newman is a financial advisor at OSAIC with 30 years of industry experience. He holds a Series 63 designation and has worked at Securities America Advisors, Inc. and Securities America, Inc. for 17 years. He is also active as an insurance agent through L&M Financial Services. OSAIC Wealth serves a diverse client base including retail investors, retirement plans, charities, and corporate clients. The firm offers a multi-advisor platform with a range of advisory and brokerage services, using model-based asset allocation and portfolio optimization tools.

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 with LPL Financial, holding Series 65 and Series 63 licenses and three years of industry experience. His prior roles include positions at Canal Bank, Equitable Advisors, Key Bank, and Northwest Bank. Outside of his advisory work, he is also employed by Tops Friendly Markets in a non-investment capacity. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

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 designations and has previously worked at UBS Financial Services and Merrill. He serves as an officer of The Murphy Fund, a charitable organization that makes donations to those in need. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs and tailored financial planning services to both individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and global market analyses as part of its financial planning process.

Jacob Rosen is a financial advisor at OSAIC with eight years of industry experience and holds the Series 66 designation. He has worked at L&M Financial since 2017 and has been involved with Moncell Hockey, a hockey training company, since 2011, serving as its president. Outside of financial advising, he is active in hockey coaching, including roles as an assistant coach at Williamsville North High School and head coach of the Lockport Lockmonsters 18U AA hockey team. Osaic Wealth serves a broad range of retail and institutional clients with a multi-advisor platform offering comprehensive financial planning, brokerage, and advisory services. The firm emphasizes model-based asset allocation and portfolio optimization and operates a complex affiliate network with both discretionary and third-party investment options.

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 with Morgan Stanley in Williamsville, NY, holding Series 63 and Series 66 credentials and bringing 30 years of industry experience. She has been with Morgan Stanley Smith Barney 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 supported by structured discovery processes and firm-approved tools.

John Moshides is a financial advisor with MassMutual Investors Services who holds a Series 63 designation and has 43 years of experience in the industry. His prior work includes roles at Metlife Securities Inc. and MassMutual Life Insurance Company. Outside of his advisory work, he is involved in writing, speaking engagements, consulting, and facilitating introductions for mergers and acquisitions. MassMutual Investors Services operates as 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, employing firm-approved tools to analyze client goals and deliver written recommendations.

Christopher Phillips is a financial advisor at OSAIC with 16 years of industry experience. He holds the Series 63 and Series 65 credentials. Prior to joining OSAIC in 2025, he worked at Cetera and Foresters Advisory Services. He also operates a fixed insurance and annuities business as an agent. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform that offers brokerage and advisory services, including comprehensive financial planning and managed portfolio programs. The firm’s investment process emphasizes model-based asset allocation and portfolio optimization supported by risk-tolerance analysis and rebalancing tools.

Mark Johnson is a CFP® and ChFC® with 27 years of experience in financial services. He is currently with Cetera and has held various roles at affiliated and related firms since 2016. Outside of his advisory work, Johnson serves as a trustee for Niagara Lutheran Health Care System and as a director of the Clarence Chamber of Commerce. Cetera Investment Advisers LLC provides a multi-manager platform serving individuals, retirement plans, corporate and charitable clients, and institutional accounts, offering a range of investment management and financial planning services through a nationwide network of independent advisors.

Justin Chatelle is a financial advisor with Cetera based in Williamsville, NY, holding a Series 66 designation and one year of industry experience. Prior to joining Cetera, he worked at Ogorek Wealth Management for eight years and had a four-year tenure at Consumers Beverages. He is also affiliated with CCR Wealth Management LLC, where he provides financial services. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable organizations, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, managing over $256 billion in assets through more than 10,000 advisors.

Sandra Anderson is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and 26 years of industry experience. She has been with Wells Fargo Clearing since 2016. Outside of her advisory role, she has engaged in retail and cosmetic sales positions on a part-time basis. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

James Honaker is a CFP® with 24 years of industry experience, currently serving as a financial advisor at OSAIC since 2025. He previously worked for Lincoln Financial Advisors Corp. for 22 years and has a long background at PI-MAC Corporation. Outside of advisory work, he is a Certified Divorce Financial Analyst, provides college planning instruction, and serves as a board member for a senior living community. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporations. The firm offers a broad range of brokerage and advisory services supported by model-based asset allocation and portfolio optimization tools within a large multi-advisor platform.