Debray Williams is a financial advisor at Wells Fargo Clearing with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Wells Fargo Clearing Services LLC since 2019, following prior roles at Papi Grandes and Axa Advisors, LLC. Outside of his advisory work, he serves as treasurer for Habitat for Humanity in Buffalo, NY. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a broad range of investment options including insurance-related vehicles and bank deposit sweep programs.

Michael Capizzi is a financial advisor at Morgan Stanley with four years of industry experience. He holds a Series 66 designation and has previously worked at Mass Mutual Investors Services and MassMutual Life Insurance Company. Outside of his advisory role, he owns and operates a restaurant and nightclub business and serves as a board member of the Niagara Falls School District Board of Education. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and strategic investment modeling.

Donald Halicki is a financial advisor at Equitable Advisors with 24 years of industry experience. He holds a Series 66 designation and has worked at Equitable Advisors since 2002, including its predecessor firm Axa Advisors. Halicki serves as a board member on the West Seneca Schools Finance Academy advisory board. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension plans, corporations, and charitable organizations. The firm offers a range of investment programs and fiduciary services, utilizing both proprietary and third-party solutions.

Bruno Lombardo is a CFP® with 26 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He holds a Series 66 designation and is based in Williamsville, NY. Outside of his advisory role, he serves as vice president of the Lakeshore Woods Homeowners Association, where he participates in community event planning and outreach. Wells Fargo Advisors is a national securities firm providing investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets with over 14,000 financial advisors and offers both brokerage and advisory solutions.

Eric Rickan is a financial advisor with Morgan Stanley in Williamsville, NY, holding a Series 66 license and 16 years of industry experience. He has been with Morgan Stanley Smith Barney since 2010 and the Morgan Stanley Private Bank since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning and estate strategy services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and scenario modeling.

Melissa D'Agostino is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. She has worked with Equitable Advisors since 2012 and previously with AXA Advisors, LLC from 2012 to 2020. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management programs to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm employs a network of Investment Adviser Representatives to deliver services through various program models and third-party asset managers, offering a range of investment options including mutual funds, ETFs, separately managed accounts, and select alternative investments.

Hillary Muffoletto is a financial advisor with Morgan Stanley in Williamsville, NY, holding a Series 66 designation and 10 years of industry experience. She has been with Morgan Stanley since 2015. Outside of her advisory role, she is involved with Muffoletto Farms LLC, an agricultural business. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs and uses structured financial planning tools, managing approximately $2.74 trillion in client assets.

Joseph Loschiavo Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and 21 years of industry experience. Before joining LPL Financial in 2021, he worked at M&T Securities from 2012 to 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 advisory and brokerage services, including financial planning and access to various portfolio programs, and supports its advisors with research and operational tools.

John Hartman is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and bringing 23 years of industry experience. He has worked with Equitable Advisors since 2011, following a tenure at AxA Advisors. Hartman serves as a board member of Urban Roots Garden Coop, a nonprofit organization based in Buffalo, NY. 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 delivers its services through a network of Investment Adviser Representatives, utilizing a range of advisory models and third-party asset management programs.

Charlene Morrow is a financial advisor at OSAIC with 33 years of industry experience. She holds the ChFC® designation as well as Series 63 and Series 65 licenses. Her prior experience includes 17 years at American Portfolios and running Morrow Financial Services, a sole proprietorship through which she sells fixed annuities and various insurance products. OSAIC serves a broad mix of retail and institutional clients with a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and advisor-managed portfolios. The firm’s investment approach emphasizes model-based asset allocation and portfolio optimization supported by risk assessment tools.

Colleen Fitzhenry is a CFP® with 21 years of industry experience, currently serving at MassMutual Investors Services since 2017. She previously worked at MetLife Securities Inc. and MassMutual Life Insurance Company. Fitzhenry is also involved as an insurance broker specializing in long-term care. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm offers collaborative, annual planning engagements utilizing firm-approved software and provides event-driven planning services such as divorce and estate settlement planning.

Gregory Borgosz is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and 35 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and Massachusetts Mutual Life Insurance Company since 2016. Prior to that, he spent 28 years at MetLife Securities Inc. and Metropolitan Life Insurance Company. MassMutual Investors Services is an SEC-registered broker-dealer and investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars through collaborative, annual planning relationships using firm-approved analytical tools.

Braeden Krzesinski is a financial advisor with Equitable Advisors holding a Series 66 credential and beginning his advisory career in 2026. His prior work experience includes roles at Leaf Filter, Dicks Sporting Goods, and Lawley Insurance, among others. Equitable Advisors serves individual clients ranging from non‑high-net-worth to high-net-worth, as well as pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and a variety of asset-management programs delivered through a network of Investment Adviser Representatives and third-party asset managers.

James Rehak is a financial advisor with LPL Financial in Buffalo, NY, holding Series 63 and Series 66 credentials and five years of industry experience. His prior experience includes roles at Lawley Retirement Advisors, Royal Alliance Associates/Osaic Wealth, Putnam Investments, and UBS Financial Services. Rehak is also involved with Georgetown Lawley Group, a DBA connected to his work with LPL Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, 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, supported by research and technology tools.

Trey Stayton is a financial advisor at Equitable Advisors with one year of industry experience and holds the Series 66 designation. His prior work includes roles at Roots Tree Service, the University of Buffalo, Wendy's, and Susquehanna Valley Junior & High School. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients by providing financial planning, retirement plan consulting, and various asset-management programs. The firm’s approach involves assessing client information and risk tolerance to match clients with program models or discretionary managers, utilizing a range of mutual funds, ETFs, separately managed accounts, and select alternative investments.

Joshua Heims is a financial advisor with Cetera, holding Series 65 and Series 66 licenses and 23 years of industry experience. His career includes roles at BearingStone Wealth, Avantax, Sagepoint Financial, and Lincoln Sparrow Advisors, where he has also served as sole proprietor. Outside of his advisory practice, he is President and Commissioner of the Clarence Girls Softball League, a nonprofit organization promoting youth softball for girls. Cetera Investment Advisers LLC is a large SEC-registered firm serving a broad client base including individuals, retirement plans, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform, featuring both affiliated and third-party model portfolios and a range of program structures.

Jonathan Jones is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and three years of industry experience. He has worked at multiple firms including Northwestern Mutual and WNY Asset Management. His background also includes experience outside finance, having worked at BestSelf Behavioral Health and the University at Buffalo. 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 and asset management services using firm-approved software and offers specialized planning programs including recent additions in Divorce Planning.

Brent Rickan is a financial advisor with Morgan Stanley in Williamsville, NY, holding a Series 66 designation and 14 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2011 and with Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers services through both direct client relationships and Corporate Financial Planning agreements.

Kevin Kluge is a financial advisor at Edward Jones with 23 years of industry experience. He holds the Series 63 and Series 66 designations. His previous roles include positions at Key Investment Services, Pruco Securities LLC, Prudential Insurance Company of America, Mass Mutual, and Home Depot. Edward Jones is a full-service wealth management firm serving over four million clients, including individual and institutional investors. The firm offers a range of advisory programs and investment strategies, managing approximately $1.01 trillion in assets through a nationwide network of more than 23,700 financial advisors.

Alexei Heringer is a ChFC®-designated financial advisor with Mass Mutual Investors Services, bringing 15 years of industry experience. He has been with the firm and its affiliate, Massachusetts Mutual Life Insurance Company, since 2009. Outside of his advisory role, he is the CEO and founder of AJH Real Estate Properties LLC. 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, charitable organizations, and employers. The firm offers a range of programs, including educational seminars and specialized planning such as divorce and estate settlement.