Jason Spatz is a financial advisor at Merrill with nine years of industry experience. He holds the Series 66 designation and has worked at Merrill and Bank of America since 2017, following a 13-year tenure at Citigroup. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies supported by internal teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ja Rashande Smith is a financial advisor with Mass Mutual Investors Services, holding the Series 63 and Series 66 designations and seven years of industry experience. Smith has previously worked at Commonwealth Financial Network and Moldenhauer & Associates before joining Mass Mutual. Mass Mutual Investors Services is a broker‑dealer and SEC‑registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, utilizing firm-approved software and collaborative planning processes.

Ryan Miller is a financial advisor with Morgan Stanley in Buffalo, NY, holding a Series 66 designation and bringing one year of industry experience. His prior roles include positions at Culain Capital Management LLC, Johnson & Ghirsig Wealth Advisors, and Morlock & Company LLC. Outside of his advisory work, he serves on the finance committee of EPIC, a youth-focused organization, where he reviews financial statements and endowment performance. Morgan Stanley Wealth Management offers a wide range of advisory programs for individuals and institutional clients, providing tailored financial planning supported by firm-approved tools and a structured discovery process.

Robert Schilling is a financial advisor with LPL Financial, holding a Series 63 designation and over 43 years of industry experience. His career includes prior roles at MassMutual Life Insurance Company, Metlife Securities Inc., and Phoenix Home Life. Outside of his advisory work, he owns a business that buys, trades, and sells sports memorabilia. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of representatives. The firm provides a range of advisory programs, financial planning, and brokerage services, including access to model portfolios, third-party subadvisors, and various technology-driven investment solutions.

Joseph Beecher is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has over 20 years of experience in the financial services industry, specializing in retirement benefits consulting and investment planning. Joseph advises corporate retirement plans and develops investment strategies for high net worth individuals, retirees, and small business owners. His approach incorporates insurance and estate planning services to assist clients in meeting their financial goals. Joseph holds a Bachelor's Degree from SUNY College at Buffalo and holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He serves on the Board of Directors for the Girls Education Collaborative, participates on the United Way Endowment Committee, and acts as Class Representative for Canisius High School. Joseph lives in Buffalo, NY with his wife Amanda and their three children. Outside of his professional role, Joseph enjoys adventure sports, basketball, boating, camping, fishing, hiking, spending time with family, and watching movies. He is involved in the community through his work with Canisius High School and the Girls Education Collaborative.

Frank Diulus is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 43 years of industry experience. He has worked at Cadaret, Grant & Co., Inc. for 21 years and has operated Diulus Financial since 2004. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network. The firm provides a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Roseann Gannon is a financial advisor at RBC Capital Markets with 14 years of industry experience and holds the Series 66 designation. She has worked at RBC Capital Markets since 2018 and previously spent seven years at Cadaret, Grant & Co., Inc. and WNY Asset Management. 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 with discretionary and non-discretionary portfolio management, tailoring strategies to each client's risk profile through a combination of in-house and third-party managers.

Denise Pacer is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 66 registrations and 12 years of industry experience. She has been with Ameriprise since 2016, initially with Ameriprise Financial Services, Inc. and currently with Ameriprise Financial Services, LLC. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service, providing written recommendation reports and ongoing retirement-income planning focused on reliable income sources and tax-aware withdrawal strategies.

Anthony Di Pasquale is a financial advisor at Equitable Advisors with three years of industry experience. He holds the Series 66 designation and has prior work experience in retail and service industries, including Blaze Pizza and BJ'S Wholesale Club. Equitable Advisors serves a diverse client base, including individuals, high-net-worth clients, retirement plans, and institutional investors. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, operating primarily through program sponsors and endorsed third-party managers.

Joseph Lane is a financial advisor with Equitable Advisors in Cheektowaga, NY, holding a Series 66 designation and 21 years of industry experience. He has been with Equitable Advisors since 2004 and previously worked at Axa Advisors, LLC. Lane serves as Vice President of Strategic Planning and Governance for the Greater Niagara Frontier Council #380 of the Boy Scouts of America. Equitable Advisors provides financial planning, retirement plan support, and access to asset management for individual investors, retirement plan sponsors, corporations, and charitable organizations. The firm operates a hybrid referral and implementation model, leveraging third-party asset managers and LPL programs to tailor advisory services based on client goals and risk tolerance.

Rohan Iyer is a financial advisor at Ameriprise in Williamsville, NY, holding a Series 66 designation with two years of industry experience. Prior to his advisory role, he worked in education at Syracuse University and Nichols School. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service. The firm provides written recommendation reports and ongoing advice focused on income stability and tax-aware withdrawal strategies, utilizing a combination of proprietary research, third-party data, and algorithmic tools.

Christopher Campbell is a financial advisor with Raymond James Financial Services Advisors Inc. in Buffalo, NY, holding a Series 66 credential and having 10 years of industry experience. He previously worked at Waddell & Reed Inc. from 2016 to 2017 before joining Raymond James in 2017. Campbell is also involved in small business ownership and insurance brokerage activities outside of his advisory role. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients, including individuals, high-net-worth clients, pension plans, corporations, and institutional entities. The firm offers tailored, non-discretionary planning and consulting, leveraging analytical tools and supporting implementation through various advisory programs.

Andrew Cole Goins is a CFP® and Series 66 licensed financial advisor with eight years of industry experience. He is currently affiliated with Charles Schwab, where he has worked since 2023, following prior roles at Goldman Sachs and The Ayco Company, L.P./Mercer Allied. Goins is based in Buffalo, NY. Charles Schwab & Co., Inc. serves a broad client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment advisory solutions supported by multi-asset model portfolios and a centralized operational structure.

Thomas Aldrich III is a financial advisor with OSAIC in Williamsville, NY, holding a Series 66 credential and seven years of industry experience. He previously worked at SagePoint Financial and State Farm Insurance, and is also a part-owner of an LLC through which he conducts tax preparation services. OSAIC serves a diverse range of clients including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations, offering integrated brokerage, advisory services, and access to third-party money managers through a large network of affiliated advisers.

Brady Haupt is a financial advisor with Mass Mutual Investors Services and holds Series 63 and Series 65 licenses. He has seven years of industry experience, including roles at MML Investors Services and MassMutual. Prior to his advisory career, he worked at Susquehanna University and Knoebels Groves Crystal Pool. Mass Mutual Investors Services, LLC 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, focusing on collaborative, annual planning relationships that utilize firm-approved analytical tools.

Fred Hunt is a financial advisor at OSAIC with 33 years of industry experience. He holds a Series 63 designation and has previously worked for Securities America Advisors, Inc. and L&M Financial Services, where he continues to serve as an insurance agent in addition to his advisory role. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers and wrap programs. The firm utilizes asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct diversified portfolios tailored to client needs.

Joseph Greenwald is a financial advisor with Morgan Stanley in Williamsville, NY, holding a Series 66 designation and bringing 10 years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he serves on the Finance Committee of the Park Country Club and works as a contractor grocery shopper for Instacart. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

David Garcia is a financial advisor at Edward Jones in Niagara Falls, NY, with six years of industry experience. He holds the Series 66 designation and previously worked at USI Insurance Services for six years before joining Edward Jones in 2020. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large network of financial advisors and branch offices.

Justin Samland is a financial advisor with LPL Financial in Amherst, NY, holding Series 63 and Series 66 licenses and having 10 years of industry experience. He has worked with LPL Financial since 2017 and previously held roles at M&T Securities and M&T Bank. Samland also serves as a personal financial associate at Northwest Bank. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management approaches with support from internal research and third-party subadvisors.

Timothy Stalker is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and bringing 42 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and previously spent 29 years with Metlife Securities Inc. Beyond his advisory role, he serves on the board of Kealy's Kindness Foundation, assisting teenage girls affected by cancer, and on the board of Orchard Park High School Academy of Finance, promoting financial literacy among high school students. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, focusing on collaborative, goal-driven planning without investment discretion on the advisors’ part.