Christopher Ahrens is a financial advisor with Mass Mutual Investors Services in Amherst, NY, holding a Series 63 license and bringing 27 years of industry experience. He has been with Mass Mutual and its affiliates since 1998. Ahrens is vice president and part owner of The BufLife Agency Inc., which provides life and health insurance products, and also serves as vice president of CFAM, Inc., managing health insurance plans for local bar associations. Mass Mutual Investors Services is a subsidiary of MassMutual that offers financial planning and investment services to individuals, business owners, trusts, estates, charitable organizations, and employers, utilizing firm-approved software and structured ongoing client relationships.

Peter Pane is a Senior Financial Advisor with Merrill Lynch Wealth Management, specializing in providing financial guidance to business owners, retirees, corporate executives, and affluent individuals. Leveraging the resources of Bank of America N.A. and Merrill Lynch Wealth Management, he offers a comprehensive range of services including executive compensation, family wealth management, legacy and philanthropic planning, portfolio management, and retirement income strategies. Since joining Merrill Lynch Wealth Management in 2014, Peter has adopted a consultative approach to wealth management. He emphasizes understanding each client’s financial priorities to provide tailored recommendations for asset allocation that align with their income and growth goals. His services cover a broad spectrum including investments, retirement planning, estate services, and philanthropy, supporting clients as they work towards both short- and long-term financial objectives. Peter holds a Bachelor of Science degree in Finance from Niagara University, graduating Magna Cum Laude. He is also designated as a Personal Investment Advisor (PIA). Committed to community involvement, Peter participates in local volunteer organizations as part of Merrill Lynch’s tradition of community service.

Kevin Dunford is a financial advisor with OSAIC in Buffalo, NY, holding Series 63 and Series 65 licenses and having 22 years of industry experience. He previously worked at Equitable and Foresters Financial Services. Outside of advisory work, he owns a sole proprietorship focused on the sales and service of fixed insurance and annuities and serves as a registered principal providing compliance and supervisory support for Atlas Wealth Advisors LLC. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a large network of affiliated advisers and multiple advisory platforms. The firm employs various asset-allocation tools and offers integrated brokerage and advisory services, supporting a range of investment products and third-party managed account solutions.

Patrick Morin is a financial advisor at Ameriprise with two years of industry experience. He holds a Series 66 designation and has prior work history including roles at Magtrol Inc, Amazon, SUNY Geneseo, and Lancaster High School. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which provides tailored written reports and ongoing advice focused on reliable income sources and tax-aware withdrawal strategies.

Paul Miosi is a financial advisor at Ameriprise in North Tonawanda, NY, holding CFP®, ChFC®, and Series 66 designations with 14 years of industry experience. He has worked at Ameriprise and Ameriprise Financial Services, Inc. since 2011. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing annual retirement-income planning advice focused on income sources and tax-aware withdrawal strategies.

Gerald Cornish is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been employed since 1990. He serves as a Portfolio Manager in The Merrill Lynch Personal Investment Advisor Program, managing personalized and defined investment strategies that may include individual stocks and bonds, Merrill Lynch model portfolios, and third-party strategies. His client focus encompasses corporate executive services, education planning, family wealth management, services for endowments, foundations, and non-profits, personal retirement planning, philanthropic planning, portfolio management services, as well as socially responsible and ESG investing. With over 33 years of experience, Gerald provides goals-based wealth management advice and guidance to affluent families, businesses, and non-profit institutions. He holds several professional designations including Chartered Retirement Planning Counselor (CRPC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Gerald earned his bachelor's degree from the State University of New York College at Buffalo. Community involvement is an integral part of Gerald's life. He has served as Chairman of The Buffalo State College Foundation and currently serves on the board of The Summit Center. In his personal time, he enjoys boating, fishing, gardening, reading, running, skiing, and spending time with his family.

Charles Harmon is a financial advisor at Equitable Advisors holding a Series 66 designation with less than one year of industry experience. His prior work includes roles at Door Dash, Baillie Lumber, and involvement with academic institutions such as the University of Buffalo and Erie Community College. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporations, charitable organizations, and institutions, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs through a combination of discretionary and non-discretionary advisory solutions.

Mark Kellogg is a financial advisor at Mass Mutual Investors Services with 26 years of industry experience. He holds a Series 63 designation and has worked at Mass Mutual Investors Services since 2017, with prior experience at Massachusetts Mutual Life Insurance Company and Metlife Securities. Outside of advisory work, he is an independent insurance agent specializing in fixed annuities and life, accident, health, and long-term care insurance. 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 offers financial planning, asset management, and educational seminars, employing collaborative, goal-oriented planning supported by firm-approved analytical tools.

Joseph Aliotta is a financial advisor at OSAIC with 40 years of industry experience. He holds a Series 63 designation and has worked previously at American Portfolios Financial Services, Inc. and Carroll Financial Services. Outside of his advisory role, he is an independent insurance agent selling life insurance and fixed annuities. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charities through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and advisory services, supported by asset-allocation tools and third-party management solutions.

Bryan Weinstein is a financial advisor with LPL Enterprise, holding a Series 63 designation and 16 years of industry experience. He has worked at Prudential Insurance Company of America since 2015 and was previously with Pruco Securities, LLC. since 2015. Weinstein is currently based in Amherst, NY. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, access to model portfolios, third-party asset management, and a range of brokerage and insurance products supported by LPL’s integrated platform.

Julianna Derisley is a financial advisor at LPL Financial with two years of industry experience. She holds the Series 66 designation and has previously worked at Park Avenue Securities, Guardian Life Insurance Company, and M&T Bank. Julianna conducts financial literacy presentations aimed at college students. 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 retirement plan consulting, utilizing model portfolios and research from LPL Research and third-party subadvisors.

Kevin Tachine is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment offerings.

Austin Kelly is a CFP® professional with 20 years of experience in the financial industry. He has been with Equitable Advisors since 2006 and previously worked at Milestone Wealth, LLC. Outside of his advisory role, he is involved with CLB, LLC, an administrative and property management business, and The BlackOak Group, LLC. 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 a range of third-party asset managers and LPL programs. The firm operates a hybrid referral and implementation model combining advisory and brokerage services tailored to client goals and risk tolerance.

Jonathan Armstrong is a Senior Financial Advisor with Merrill Lynch Wealth Management. Since joining Merrill in 1998, he has worked with clients to develop goals-based strategies for managing both personal and business finances. He serves as a Portfolio Manager, overseeing discretionary personalized and defined strategies that may include individual stocks and bonds, Merrill Lynch Wealth Management model portfolios, and third-party investment strategies. His areas of expertise include family wealth management strategies, personal retirement planning, portfolio management services, tax minimization, and retirement income. Jonathan collaborates with clients and their other advisors to coordinate financial, legal, and tax decisions. Jonathan holds a Personal Investment Advisor (PIA) designation. He earned a Bachelor's degree from Buffalo State College and a High School Diploma from Canisius High School. In his personal time, he enjoys camping, gardening, golfing, hunting, reading, skiing, woodworking, traveling, and spending time with his family.

Linda Melandinidis is a financial advisor with Merrill in Buffalo, NY, holding Series 63 and Series 66 credentials and bringing 33 years of industry experience. She has been with Merrill Lynch, Pierce, Fenner & Smith, Inc. since 1999 and has worked at Bank of America, N.A. since 2011. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm integrates investment management with Bank of America’s corporate platform, including access to lending, custody, and a wider set of products.

Adam Burke is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials. He has been with the firm since 2026 and has no prior industry experience. His background includes work and education at the University at Buffalo, Hilbert College, and various positions in the food service industry. Equitable Advisors serves a broad range of individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates through LPL-sponsored programs and endorsed TAMPs, providing both advisory and brokerage solutions with a mix of discretionary and non-discretionary asset management.

Lauren Montante is a financial advisor at Equitable Advisors with Series 63 and Series 66 licenses and four years of industry experience. She has been with Equitable Advisors since 2015. Equitable Advisors serves a broad range of clients including individuals, high-net-worth individuals, retirement plans, corporations, charitable organizations, and institutions, providing 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 third-party managers to deliver advisory and brokerage solutions.

David Lyman is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has worked at Cetera since 2019 and previously with Foresters Financial Services from 2001 to 2019. Outside of his advisory role, he serves on the board of the Depew Lancaster Boys and Girls Club, volunteers with Junior Achievement in Western New York, is a high school and college basketball scorekeeper, and is a member of the Lancaster Central School District Board of Education. Cetera Investment Advisers LLC is an SEC-registered firm that supports over 10,000 advisors nationwide, serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and financial planning services through multiple program structures, including affiliated and third-party money managers, with more than $256 billion in assets under management.

Jonathan Plail is a CFP®-certified financial advisor with 14 years of industry experience, currently with Raymond James Financial Services Advisors, Inc. in Buffalo, NY. His prior experience includes roles at Bank of America, Merrill, and Crux Wealth Advisors. He is also the CEO and President of Plail Wealth Management, where he oversees employee management. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm emphasizes non-discretionary financial planning and investment consulting, utilizing asset allocation analysis and firm research to tailor recommendations.

Gregory Delgado is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He previously worked at Pruco Securities, LLC for 36 years before joining LPL Enterprise in 2024. Outside of his advisory role, he is involved in Medicare sales as a non-variable insurance activity. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and other institutional clients through advisory and brokerage channels. The firm offers financial planning, model portfolio programs, third-party asset management, and a range of brokerage and insurance products through an integrated platform.