Steven Fretthold is a financial advisor at Equitable Advisors with 17 years of industry experience. He holds a Series 66 designation and has worked at Equitable Advisors and Axa Advisors, LLC since 2009. Outside of his advisory role, he serves as an administrator or executor of an estate and trustee of a trust for a family member. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset management programs through a network of Investment Adviser Representatives, utilizing a variety of third-party advisory models and tools.

Jaclyn Greiner is a financial advisor at Raymond James & Associates with 12 years of industry experience. She holds a Series 66 designation and previously worked for Bank of America Merrill Lynch for 13 years before joining her current firm in 2024. Raymond James & Associates is a large, dually registered broker-dealer and investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional investors, and municipal entities, offering financial planning, non-discretionary investment consulting, and specialized municipal advisory services.

James Nazzaro is a financial advisor with Equitable Advisors in Williamsville, NY, holding a Series 66 designation and one year of industry experience. Prior to joining Equitable Advisors, he worked in various roles including positions at Brazen Brewing and Perla Seafood Bistro. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives, utilizing a range of third-party advisory models and proprietary tools.

Alan Gnoinski is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 25 years of industry experience. He has previously worked with firms including Avantax Advisory Services and Sagepoint Financial, and he is a partner at Lincoln Sparrow Advisors, LLC. Outside of his advisory work, he owns Buffalo Bourdain LLC, a food truck business specializing in gnocchi. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers.

Joel Henning is a financial advisor with Mass Mutual Investors Services who holds a Series 63 designation and has 31 years of industry experience. He has worked with Mass Mutual Investors Services since 2017 and has a background with Massachusetts Mutual Life Insurance Company, MetLife Securities Inc., and Metropolitan Life Insurance Company dating back to 1991. In addition to his advisory role, he is also an agent for individual life and fixed annuities. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that operates as a subsidiary of MassMutual, serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, and educational seminars, emphasizing collaborative, annual planning relationships with tools such as Monte Carlo simulations and automated asset-allocation analysis.

Timothy Stone is a financial advisor at Equitable Advisors with two years of industry experience. He holds Series 66 and Series 63 licenses and has worked at Equitable Advisors since 2023. Outside of his advisory role, he is involved in a winery business, A Gust of Sun Winery, where he serves as a tasting room attendant. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, institutions, and charitable organizations, utilizing a range of advisory programs and third-party asset managers.

Ethan Jandreau is a financial advisor with Mass Mutual Investors Services in Amherst, NY. He holds a Series 66 designation and has one year of industry experience. Prior to joining Mass Mutual Investors Services and MassMutual Life Insurance Co, he worked at Continental Transmission and spent eight years in full-time education. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers services such as investment strategy analysis, estate settlement, employer-sponsored planning, and educational seminars.

Frederick Rickan is a financial advisor with Morgan Stanley in Williamsville, NY, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. He has worked with Morgan Stanley and its affiliates since 2007 and currently coaches in the Lou Ehrig Youth Baseball League. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets.

Daniel Lawrence is a financial advisor with Cetera Investment Advisors LLC, holding Series 63 and Series 66 credentials and possessing five years of industry experience. His prior roles include positions at LPL Financial, Equitable Advisors, Key Investment Services, and KeyBank. Outside of his advisory work, he is employed as a valet at the Lockport Town and Country Club and also works with DoorDash. Cetera Investment Advisors LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with various portfolio management options, access to third-party money managers, and a range of program structures designed to meet diverse client needs.

Anders Johansson is a financial advisor at LPL Financial with 37 years of industry experience. He has held positions at LPL Financial since 2012 and previously worked at HSBC Securities (USA) Inc. from 2007 to 2012. Johansson also has a role with Northwest Bank, referring clients to bank partners. 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, and institutional platforms, combining advisory services with a wide range of financial products and bank partnerships.

Kevin Arndt is a financial advisor with Cambridge Investment Research Advisors, holding Series 63, 65, and 66 designations and 31 years of industry experience. His prior roles include positions at Securities America Advisors and Next Financial Group Inc. He is also involved in healthcare through a small ownership interest in a healthcare-related business. Cambridge Investment Research Advisors serves a wide range of individual and institutional clients by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm manages a multi-billion dollar asset base and provides access to multiple platforms, proprietary model strategies, and third-party advisory services.

Robert Carroll is a financial advisor at OSAIC with 36 years of industry experience and holds a Series 63 designation. Prior to joining OSAIC in 2024, he worked at American Portfolios Financial Services and Avantax Advisory Services, and he also owns a CPA firm providing tax preparation and accounting services. Outside of advisory work, Carroll is involved in several business activities including ownership interests in local real estate and a golf course restaurant, where he performs accounting and tax compliance roles. OSAIC serves a diverse client base including retail, high-net-worth, institutional, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm employs model-based asset allocation and portfolio optimization strategies and supports a variety of investment programs delivered through a complex affiliate network.

Samuel Gugliuzza is a financial advisor at Mass Mutual Investors Services with 24 years of industry experience. He has worked previously at Mutual/United Of Omaha from 2000 to 2018 before joining Massachusetts Mutual Life Insurance Company and Mass Mutual Investors Services in 2018. He is also a partner at Summit Advisory Services LLC and involved in various insurance-related activities including health and group health insurance. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides comprehensive financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, ongoing financial planning using advanced analytical tools and offers specialized programs such as estate settlement and divorce planning.

James Mcnamara is a financial advisor at RBC Capital Markets with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has been with RBC Capital Markets since 2011. Mcnamara serves on the board of directors for Snowpine Village, a residential condominium community. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs and portfolio management services tailored to clients’ risk profiles, utilizing both in-house and third-party investment managers.

Adam Goldfarb is a financial advisor with Raymond James Financial, holding the ChFC® and Series 63 designations and bringing 13 years of industry experience. He has been associated with Raymond James Financial Services Advisors, Inc. since 2012 and operates Goldfarb Financial. Outside of his advisory role, he is a partner in Follow the Hummingbird Consulting, a firm that provides consulting services to socially responsible and environmentally conscious startups. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a broad range of clients, including individuals, institutions, and charitable organizations. The firm uses tailored, non-discretionary planning and analytical tools to assist clients in achieving their financial goals.

Peter Simmonds is a Wealth Management Advisor at Merrill Lynch Wealth Management. He is a co-founder of The Simmonds Group, a team of financial professionals offering services such as retirement planning, income planning, wealth management, and legacy planning. Peter works with retirees, near-retirees, their families, and business owners primarily in Western and Central New York, as well as clients across the United States. With professional designations including Accredited Asset Management Specialist (AAMS), CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), Chartered SRI Counselor (CSRIC), and Personal Investment Advisor (PIA), Peter applies a disciplined and conservative investment philosophy. He incorporates Sustainable and Socially Responsible Investments (SRI) as key risk management components in portfolio management, seeking to balance reasonable growth with the client's values and goals. Peter holds a Master's Degree from Northeastern University and a Bachelor's Degree from Siena College. He is involved in community organizations such as the Baldwinsville Youth Soccer Association, David's Refuge, Friends of Beaver Lake Nature Center, and the Siena College Alumni Association. Personal interests include baseball, cooking, gardening, genealogy, reading, soccer, spending time with family, and traveling.

Nathan Way is a financial advisor with Mass Mutual Investors Services, holding the ChFC® designation and Series 63 license, with 22 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and previously held roles at MetLife Securities Inc., New England Securities, and New England Financial. Outside of his advisory work, he owns a hobby business buying and selling sportscards via eBay and in-person sales, and serves as Vice President on the board of directors for Endeavor Health Services and the Mid-Erie Foundation. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that offers ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers, utilizing firm-approved analytical tools and event-driven planning programs.

Jennifer Odonnell is a financial advisor with RBC Capital Markets in Williamsville, NY, holding a Series 63 designation and 29 years of industry experience. She previously worked at Wells Fargo Clearing for 10 years before joining RBC Capital Markets in 2026. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a broad client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers, supported by RBC’s extensive capital markets capabilities.

Michael Peters is a financial advisor with Equitable Advisors in Williamsville, NY, holding Series 63 and Series 65 credentials and 27 years of industry experience. He has worked with Equitable Advisors since 1999, including during its prior affiliation as AXA Advisors. Peters is also a member of The BlackOak Group, LLC. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset-management programs. The firm offers a variety of advisory models and works with third-party asset managers and LPL-sponsored programs while providing ERISA fiduciary services to qualified plans.

Mary Kuehn is a financial advisor at OSAIC with 26 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at firms including Securities America Advisors, Clarion Wealth Management Partners, and Cambridge Investment Research. Outside of her advisory role, she owns a business selling life insurance to family members. OSAIC serves a diverse client base including retail, institutional, and high-net-worth investors, providing brokerage and advisory services through multiple programs such as financial planning, advisor-managed portfolios, and retirement plan consulting. The firm employs a model-based investment process supported by risk-tolerance assessments, portfolio optimization, and a range of discretionary and third-party management strategies.