Edward Carlsen Jr. is a financial advisor with OSAIC and holds the Series 63 and Series 66 designations. He has 36 years of industry experience, including 14 years at Sagepoint Financial, Inc. and currently three years with OSAIC. He also operates a sole proprietorship providing insurance reviews when appropriate. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, employing asset-allocation tools and third-party money managers to construct diversified portfolios across various asset classes.

Jeffrey Smith is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and bringing 18 years of industry experience. He previously worked at Merrill and Bank of America, N.A. from 2011 to 2022. Outside of his advisory role, he co-owns several business ventures with his spouse, including a franchised medical clinic and a vending machine business. 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 both brokerage and advisory solutions.

Jay Hawk is a financial advisor at Mass Mutual Investors Services with a Series 66 designation and under one year of industry experience. His prior work includes roles at Dollar General, Tops Friendly Markets, and the Village of Fredonia Recreation Department. Jay has also worked at Buffalo State University and Fredonia Central School District. Mass Mutual Investors Services provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers annual collaborative planning engagements using firm-approved software and educational seminars, focusing on broad investment categories rather than specific product selections.

Joseph Berst is a financial advisor with Equitable Advisors in Williamsville, NY, holding a Series 66 designation and six years of industry experience. Prior to joining Equitable Advisors in 2020, he served in the United States Army from 2016 to 2019. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to a diverse client base including individuals, pension plans, corporations, and charitable organizations. The firm offers advisory programs primarily through third-party managers and focuses on matching clients to investment models based on their risk tolerance and personal information.

Edward Eagen is a financial advisor with Primerica Advisors based in Amherst, NY, holding a Series 63 designation and 25 years of industry experience. He has been with Primerica Advisors since 2000 and has prior work experience with Computer People Staffing, Graphic Controls Corp., and Nissha Medical Technologies. In addition to his advisory role, he is involved in the sale of home security and automation products through an affiliate of Primerica. Primerica Advisors provides discretionary asset management primarily to individual and high-net-worth clients through its Lifetime Investment Program, which features model-delivery strategies and a limited number of separately managed accounts under a wrap-fee structure. The firm curates third-party asset managers and uses BNY Mellon Advisors for model implementation and trade execution.

Fredrick Pepperday is a financial advisor with MassMutual Investors Services, holding a Series 63 designation and bringing 40 years of industry experience. He has worked at MassMutual Investors Services since 2017 and has prior experience with Massachusetts Mutual Life Insurance Company and Metlife Securities Inc. Outside of his advisory work, he is involved in tax preparation through ownership of Summit Tax and serves as a notary public. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers, offering financial planning, asset management, and educational seminars.

Joan Fisher is a financial advisor with Equitable Advisors, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. Her prior work includes 16 years at Key Bank and a brief tenure at Axa Advisors. She serves as a board member of the Glenwood Acres Ski Club. Equitable Advisors provides financial planning, retirement consulting, and asset management services to individuals, pension plans, corporations, and charitable organizations. The firm uses a range of advisory models and third-party asset managers, focusing on personalized client assessments and offering diverse investment options including mutual funds, ETFs, and alternative investments.

David Burgio Sr. is a financial advisor at Raymond James Financial Services Advisors, Inc. with 32 years of industry experience. He holds the PFS™ credential and Series 63 and 65 licenses. Prior to joining Raymond James in 2025, he worked at Commonwealth Financial Network and Lincoln Financial Advisors Corporation. He also owns and operates a financial planning practice through Custom Wealth Strategies, LLC, and provides income tax preparation services for individual clients. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutions. The firm emphasizes tailored, non-discretionary planning using analytical tools and risk profiling, and it supports clients through various advisory programs and specialized consulting services.

Christopher Malof is a financial advisor with UBS Financial Services in Buffalo, NY, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His prior roles include positions at Morgan Stanley and Citigroup Global Markets. Malof has served on the board of the Youth Orchestra Foundation of Buffalo and currently chairs the Enrollment Committee at Canisius College as a board member. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, combining proprietary research and model-based asset allocations with institutional trading capabilities and wealth management services.

Nathan Guldin is a financial advisor with Equitable Advisors, holding a Series 66 designation and one year of industry experience. Prior to joining Equitable Advisors in 2025, he worked in various roles including positions at the University of Buffalo and G D Wendt Builders. He is also the owner of Nates Premium Firewood, LLC, a business unrelated to investments. Equitable Advisors serves individuals across a range of wealth levels, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and diverse asset-management programs through a network of Investment Adviser Representatives, with investment solutions that include third-party asset managers and advisory programs.

Gregory Poleon is a financial advisor with Osaic Wealth, Inc. based in Williamsville, NY, holding Series 63 and 65 licenses and bringing 27 years of industry experience. He previously worked at Securities America Advisors, Inc. and Securities America, Inc. for over two decades. Outside his advisory work, he serves on the board and acts as CFO for LE3 Inc., a nonprofit providing before- and after-school programs and pre-kindergarten care. Osaic Wealth, Inc. serves a diverse client base including individuals, institutions, and charitable organizations through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services, employing asset allocation tools and third-party platforms to manage portfolios comprising stocks, bonds, mutual funds, ETFs, and alternative investments.

Garek Schultz is a financial advisor with Raymond James & Associates in Buffalo, NY, holding a Series 66 credential and two years of industry experience. Prior to joining Raymond James, he worked at M&T Bank and Citi Bank among other roles. Outside of his advisory work, Schultz owns and manages a duplex property in Buffalo, where he also resides. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving a diverse client base, including individuals, institutions, and municipal entities. The firm provides financial planning and consulting through a range of portfolio management styles and is notable for its municipal advisory services and extensive affiliate network.

Joanne Beaton is a financial advisor with MassMutual Investors Services, holding a Series 63 designation and 29 years of industry experience. She has worked with MassMutual Financial Group and MML Investors Services Inc since 2008. Outside of her advisory role, she is the president of Women United, an organization supporting agencies affiliated with the United Way of Niagara County. MML 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 financial planning, asset management, and educational seminars, structuring engagements as annual collaborative relationships that focus on goal-based recommendations without discretionary authority.

Edward Tunmore is a financial advisor with Mass Mutual Investors Services in Amherst, NY, holding a Series 63 designation and 25 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and previously at MetLife Securities Inc. and IDS Life Insurance Company. Tunmore is also an independent insurance agent specializing in fixed annuities and life, accident, and health insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements and various investment programs.

Chad Allen is a financial advisor at Osaic Wealth, Inc. with eight years of industry experience. He holds a Series 66 designation and has worked at several firms including Novem Group and American Portfolios Financial Services. Outside of advisory roles, he serves as co-power of attorney in fiduciary capacities. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services, utilizing asset-allocation tools and third-party money managers to construct portfolios across various asset classes.

Joseph Bianchi is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he works directly with clients to define their financial goals and develop portfolio strategies aimed at helping them achieve those objectives. He provides ongoing advice and adapts financial plans as clients' situations evolve. Joseph has expertise in areas including general investing, retirement planning, and preparing for unexpected financial needs. He emphasizes understanding what matters to each client and their family to create tailored strategies. His professional designations include Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He holds a Bachelor's Degree from Florida State University. Outside of his professional work, Joseph's personal interests include camping, fishing, football, golfing, hiking, hunting, ice hockey, music, and skiing.

Cody Williams is a financial advisor at Equitable Advisors with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Equitable Advisors since 2009, including its prior affiliation with Axa Advisors, LLC. Outside of his advisory role, he serves as a board member for the Orchard Park Academy of Finance. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension plans, corporations, charitable organizations, and institutional clients. The firm’s approach involves risk assessment and matching clients to various advisory programs, utilizing both proprietary and third-party asset management solutions.

David Starck is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and having 28 years of industry experience. He has worked with M&T Securities since 1997 and joined LPL Financial in 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 financial planning and investment management services through a large network of advisors, utilizing both proprietary and third-party strategies.

Shawn Connolly is a CFP®-designated financial advisor with 26 years of industry experience, currently with LPL Financial since 2018. He previously worked at SII Investments, Inc. and Equitable Advisors. Connolly operates within an affiliate entity related to his LPL business during securities trading hours. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, utilizing both discretionary and non-discretionary strategies supported by various operational tools.

Carl Walck Jr. is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 11 years of industry experience. Prior to joining LPL Financial in 2025, he worked at Cadaret, Grant & Co., Inc. for eight years and LINCOLN FINANCIAL ADVISORS Corporation for one year. He is also involved with Bespoke Planning, Inc., a business entity for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves 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, and institutional platforms.