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.

Lisy Pena is a financial advisor with Morgan Stanley Wealth Management in Orchard Park, NY, holding a Series 66 credential and 12 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2014. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and analysis. The firm manages approximately $2.74 trillion in client assets and offers services under both direct and corporate financial planning agreements.

Nicholas Gagliardo is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and 17 years of industry experience. He previously spent 11 years with TIAA-CREF and TIAA before joining Raymond James in 2025. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and charitable organizations, offering financial planning and non-discretionary investment consulting through various specialized programs.

Brian Burkhardt is a CFP®-certified financial advisor with 19 years of industry experience. He is currently with Ameriprise Financial Services, where he has worked since 2020. Prior to that, he spent nine years at Bank of America and Merrill. Outside of advising, he has real estate ownership in Buffalo, NY. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients, offering specialized retirement income planning that includes written recommendations and ongoing guidance focused on income sources and tax-aware withdrawal strategies.

Robert Burgio is a financial advisor with OSAIC in Williamsville, NY, holding a Series 63 license and 18 years of industry experience. He previously worked at Signator Investors, Inc. for 11 years before joining OSAIC in 2018. Outside of his advisory role, he assists his wife by signing checks for her sole proprietorship business. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm emphasizes model-based asset allocation and portfolio optimization, providing a range of managed account programs and third-party investment options.

Justin Badura is a financial advisor with LPL Financial in West Seneca, NY, holding Series 63 and Series 66 credentials and 15 years of industry experience. Prior to joining LPL Financial in 2021, he spent ten years with Medaille College and M&T Securities, INC. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of investment options including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by extensive advisor tools and services.

Samuel Cappiello is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in employee benefits planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, tax minimization, and retirement income. Samuel works to help clients pursue their financial goals through personalized wealth management strategies that adapt to changing market conditions. He holds the designation of Personal Investment Advisor (PIA) and has earned an Associate's Degree/College Diploma from ECC. Samuel leads The Cappiello Group, which has been serving the Western New York area for over 30 years. The group operates with a team structure where each member focuses on a specific portion of the portfolio and planning process, creating tailored and customized portfolios for individual clients. Samuel is committed to community involvement, following the Merrill tradition of participating in the communities served. He volunteers with organizations in the Western New York community.

Colette Safy is a Series 66-licensed financial advisor with 28 years of industry experience. She has worked at OSAIC since 2018 and previously held roles at Signator Investors, Inc. and John Hancock Mutual Life Insurance Company. In addition to her advisory duties, she serves as Director of Operations at Northeastern Financial Partners, LLC. OSAIC Wealth serves a diverse client base including retail investors, retirement plans, charities, and corporations, offering brokerage and advisory services through a multi-advisor platform. The firm employs a model-based investment approach with portfolio optimization tools and provides a range of managed account and third-party manager options.

Emily Dittemore is a financial advisor with LPL Financial based in Williamsville, NY, holding a Series 66 designation and 11 years of industry experience. She previously worked at Commonwealth Financial Network for 13 years and has been affiliated with New Harbor Financial Management since 2012. Outside of her advisory role, she owns Dittemore Designs, a sole proprietorship that creates handmade crafts. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolios, third-party asset management, and institutional platforms, with advice primarily delivered by its investment adviser representatives through discretionary or non-discretionary strategies.

Kevin O'Connor is a financial advisor with LPL Financial based in Williamsville, NY, holding a Series 63 designation and over 31 years of industry experience. He previously worked at Cadaret, Grant & Co., Inc. for 20 years and has been involved with Buffalo Brokerage Support, Inc. since 1991, where he serves as president. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, portfolio programs, third-party asset management, and institutional platforms, supporting advisors with various investment tools and a broad array of financial services.

Justin Sheffield is a financial advisor affiliated with LPL Financial in Lackawanna, NY, holding Series 66 and Series 63 designations with five years of industry experience. His work history includes roles at Northwest Bank and prior experience with the IRS and Price Rite. 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, third-party asset management, and institutional platforms, supported by technology tools for operational and research purposes.

Sarah Cirillo is a financial advisor with Equitable Advisors holding a Series 66 credential and has two years of industry experience. Her background includes roles at Agricultural Products Extension LLC and Maxim Management Services, as well as operating Zoe Restaurant in 2023. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management programs. The firm utilizes both proprietary and third-party advisory programs and offers fiduciary services to qualified plans through credentialed representatives.

Ryan Matthews is a financial advisor with Equitable Advisors in Williamsville, NY, holding Series 63 and Series 66 licenses and eight years of industry experience. Prior to joining Equitable Advisors in 2018, he was with Axa Advisors, LLC for two years and attended the University of Pittsburgh from 2014 to 2018. Equitable Advisors serves individuals, pension plans, corporations, charitable organizations, and institutional clients by offering financial planning, retirement plan consulting, and various asset-management programs. The firm employs a range of advisory models, often implemented through third-party asset managers and advisory platforms, and provides ERISA fiduciary services to qualified plans.

Massimo Cimato is a financial advisor at Equitable Advisors with one year of industry experience. Prior to joining Equitable Advisors, he worked at National Fuel Gas Corporation and Capital Abstract Company. He serves as a board member of the Buffalo Curling Club and is a Public Notary in Erie County. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm employs a range of advisory programs delivered through its network of Investment Adviser Representatives and partners with third-party asset managers and LPL-sponsored advisory programs.

Ronald Moskala is a financial advisor with Mass Mutual Investors Services in Amherst, NY, holding a Series 63 designation and having 22 years of industry experience. He has been with Mass Mutual Investors Services and MassMutual Life Insurance Company since 2011. Outside his advisory role, he owns a seasonal vacation rental business. 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 financial planning, asset management, and educational seminars, structuring client relationships as ongoing collaborative engagements.

Michael Gimlin is a financial advisor with LPL Financial in Williamsville, NY. He holds Series 63 and Series 66 licenses and has 38 years of industry experience, including seven years at Ameriprise Financial Services. Outside of his advisory role, he owns two non-investment business entities unrelated to finance. 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 broad range of financial planning and advisory services with access to model portfolios, third-party asset management, and institutional platforms.

Jeremy Evens is a financial advisor at Cetera with 13 years of industry experience. He holds a Series 66 designation and has worked at firms including Northwestern Mutual Wealth Management Company and Citizens Bank. Outside of his advisory role, he is involved with Tragically Grateful, LLC. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services using a multi-manager platform with access to both affiliated and third-party managers.