Richard Koch is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and more than 31 years of industry experience. He has been with Cambridge Investment Research Advisors since 2017 and with Cambridge Investment Research, Inc. since 2004. In addition to his advisory role, he is a CPA and serves as co-executor for an estate, reflecting involvement in legal and fiduciary capacities. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement services through a network of independent Financial Professionals, utilizing both proprietary and third-party strategies across various custody platforms.

Raymond Crane is a financial advisor with Mass Mutual Investors Services in Buffalo, NY, holding Series 65 and Series 63 credentials and bringing 21 years of industry experience. He also serves as a managing partner specializing in tax at Brock, Schechter & Polakoff LLP, a public accounting firm where he has worked since 1992. His prior financial services experience includes roles at Wealth Advisors Network, Cambridge Investment Research, and 1st Global Advisors. MassMutual Investors Services 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 event-driven planning programs and uses collaborative, technology-supported approaches to develop written financial recommendations.

Max Lipsitz is a CFP® with 12 years of industry experience, currently affiliated with OSAIC. He previously worked at Securities America Advisors and SECURITIES AMERICA, Inc. for over a decade. Outside of his advisory role, he is an owner of a tax preparation and accounting services business and serves on the investment sub-committee for FeedMore WNY, a local food bank. OSAIC serves a diverse client base, including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools and multiple advisory platforms to construct diversified portfolios.

Stephen O'Donnell is a financial advisor at LPL Enterprise with 41 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of his advisory role, he serves as a baseball umpire with the Niagara Falls Umpire Association. LPL Enterprise serves a wide range of clients, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory services, and access to model portfolios and third-party asset management through an integrated platform that also includes brokerage and insurance products.

Kenneth Weinstein is a CFP® with 32 years of industry experience, currently affiliated with Cetera. His prior experience includes long tenures at Avantax Insurance Agency, Avantax Advisory Services, and Mony Securities Corporation. Outside of his advisory role, he owns and operates a CPA firm specializing in tax preparation and financial advice, and he runs a business selling seat covers for classic cars. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, retirement plans, and institutional accounts. The firm offers diverse portfolio management and financial planning services through a multi-manager platform with access to various investment strategies and third-party money managers.

Joshua Pereira is a Senior Financial Advisor with Merrill Lynch Wealth Management. Since beginning his career in August 2000, he has focused on creating strategies and providing advice tailored to individuals, families, and businesses, with an emphasis on understanding their short- and long-term financial goals. He holds the Personal Investment Advisor (PIA) designation and earned a bachelor's degree in Business Administration from Saint Bonaventure University. Joshua prioritizes client satisfaction and applies disciplined strategies to assist clients in achieving their financial objectives. He lives in Lakeview, NY with his wife, Meghan, and their two daughters.

Laura O'geen is a financial advisor with LPL Financial holding Series 63 and Series 66 credentials and 29 years of industry experience. She has worked at M&T Bank and M&T SECURITIES, Inc. since 1992, joining LPL Financial in 2021. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services through a national network of investment adviser representatives.

Blair Leiker is a Planning Consultant at Fidelity Investments, where they work collaboratively with clients and Financial Consultants to develop comprehensive financial plans tailored to clients' current goals and aspirations. Their role focuses on helping clients work towards achieving a successful financial future. Blair has been with Fidelity Investments since 2017, holding various positions including Relationship Manager from 2021 to 2023, 529 College Planning Service and Help Desk from 2018 to 2021, and Customer Relationship Advocate from 2017 to 2018. This progression reflects experience in client relationship management and financial planning support services.

Joseph Andrade is a financial advisor with Primerica Advisors in Amherst, NY, holding a Series 63 designation and 25 years of industry experience. His career includes roles at Crossmark and longstanding positions at PFS Investments Inc. and Primerica Financial Services. Outside of advisory work, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and employs a tiered wrap-fee structure for its services.

Justin Reich is a financial advisor at Equitable Advisors with three years of industry experience. He holds the Series 66 designation and has a background that includes nearly a decade at Northtown Automotive Group and earlier roles at Colonial Motors and Fred Beans. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, and institutions, providing financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates primarily through LPL-sponsored programs and third-party managers, offering both discretionary and non-discretionary advisory solutions.

Donald Kohnstamm is a financial advisor at Cetera with 58 years of industry experience. He holds a Series 63 designation and has worked at Cetera Wealth Services since 2013, with prior experience dating back to 1973 at Desmon & Kohnstamm Inc. He serves as president and owner of Desmon & Kohnstamm, Inc., an insurance-related business, and is a board member and governance committee member of the Foundation for Jewish Philanthropies. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. It offers a multi-manager platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Devon Tobler is a financial advisor with LPL Enterprise holding a Series 66 designation and no prior industry experience. Before joining LPL Enterprise in 2026, Tobler worked at M&T Bank and held positions at Target Corporation and Dash's Market. LPL Enterprise, LLC serves a diverse range of clients including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage services. The firm offers financial planning, access to model wealth portfolios, third-party asset management programs, and brokerage and insurance products via its integrated platform.

Michael Gnacinski is a financial advisor with Mass Mutual Investors Services in Amherst, NY, holding a Series 63 designation and 27 years of industry experience. He has been with Mass Mutual Investors Services since 2017 and also has longstanding tenures with Massachusetts Mutual Life Insurance Company and Metlife Securities Inc. since 1999. 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 provides ongoing financial planning, asset management, and educational seminars, structuring planning engagements as collaborative annual relationships using analytical tools to guide investment strategies.

John Ahrens is a financial advisor with Mass Mutual Investors Services who holds a Series 63 designation and has 38 years of industry experience. He has been associated with MML Investors Services, Inc. since 1987 and Massachusetts Mutual Life Insurance Company since 1986. Outside of his advisory role, Ahrens is president and part owner of Buflife Agency Inc., a life and health insurance agency. MML Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements using firm-approved analytical tools, with optional implementation of recommendations through separate brokerage or insurance arrangements.

Kenneth Sendlak is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and 26 years of industry experience. He has worked at MassMutual Life Insurance Company since 2016 and was previously with Metlife Securities, Inc. from 2007 to 2017. Outside of his advisory role, he is a representative and producer for Specific Solutions, focusing on fixed annuities. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm emphasizes collaborative, goal-based planning supported by firm-approved software tools and offers specialized services including divorce planning and estate settlement.

Michael Rea is a financial advisor with Equitable Advisors in Williamsville, NY, holding a Series 66 license and 18 years of industry experience. He has been with Equitable Advisors since 2007 and previously worked at Axa Advisors, LLC. Equitable Advisors serves individual investors, retirement plan sponsors and participants, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model that combines advisory and brokerage/insurance channels to deliver tailored financial solutions.

Erin Harrington is a Series 66 licensed financial advisor with Equitable Advisors, where she has worked since 2022. She has three years of industry experience and previously held roles at M&T Bank and The Morlock Foundation. Outside of her advisory work, she serves as an official statistician and statistic spotter for basketball and volleyball at Daemen College Athletics. 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 LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model, offering both advisory and brokerage channels tailored to client goals and risk tolerance.

Shane Federko is a financial advisor at LPL Enterprise with a Series 66 designation and one year of industry experience. His prior work includes roles at PRUCO Securities, Summit Wealth Management, and MoonBrook Country Club, as well as teaching positions at SUNY Fredonia and Jamestown Community College. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients. The firm offers financial planning, advisory, and brokerage services supported by model portfolios, third-party asset managers, and an integrated platform that combines adviser programs with additional financial products such as insurance.

Jonathan Fichter is a CFP® with 11 years of industry experience and is currently affiliated with OSAIC. He has worked at Fichter Wealth Management and Securities America, Inc. Prior to joining OSAIC, he spent significant time at Fichter Wealth Management. OSAIC serves a broad range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and investment advisory services through a large network of advisers, employing tools such as asset-allocation models, risk-tolerance questionnaires, and automated rebalancing to construct diversified portfolios.

Avery Cywinski is a financial advisor at Mass Mutual Investors Services with a Series 66 designation and one year of industry experience. Prior to joining the firm, Avery worked at BankonBuffalo and has experience in both financial services and hospitality. 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 offers financial planning, asset management, and educational seminars with a collaborative, client-focused approach.