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.

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.

Michael Burns is a financial advisor with Merrill based in Buffalo, NY, holding Series 63 and Series 65 designations and bringing 37 years of industry experience. He has been with Merrill since 1985 and has also worked at Bank of America, N.A. since 2009. Merrill provides managed account services to Bank of America fiduciary clients via the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, and institutional investors. The firm is integrated into Bank of America’s broader platform, providing access to a wide array of financial products and services.

Ryan Kuhn is a financial advisor with Osaic Wealth, Inc. in Buffalo, NY, holding a Series 66 designation and five years of industry experience. His previous roles include positions at Capital Analysts, Lincoln Investment, and Equitable Advisors. Outside of finance, he works part-time as a bartender. Osaic Wealth, Inc. serves a wide range 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, utilizing various asset-allocation tools and third-party resources to construct diversified portfolios across different investment types.

Zachary Kneeland is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley and Morgan Stanley Private Bank since 2015. Outside of his advisory role, he has coached soccer and instructed camps for the Clarence Soccer Club since 2003. 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 planning tools. The firm manages approximately $2.74 trillion in client assets and combines extensive retail and institutional services with additional activities such as private fund relationships and principal trading.

Danielle Rosier is a financial advisor with Equitable Advisors in Williamsville, NY, holding Series 63 and Series 66 licenses and four years of industry experience. Her prior roles include positions at Wegmans, Catalyst Fitness, Dry Clean Express, and Heritage Christian Services. Equitable Advisors serves a diverse client base that includes 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 as both an SEC-registered investment adviser and a broker-dealer, utilizing various program sponsors and third-party managers in its delivery model.

Liam Bell is a financial advisor at Equitable Advisors with a Series 66 designation and one year of industry experience. Prior to joining Equitable Advisors, he held roles at Strategic Retirement Partners/LPL and worked in various other positions including at 95 Nutrition, where he is also involved as a key holder. 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 a broad roster of third-party asset managers. The firm operates a hybrid referral and implementation model and offers both advisory and brokerage/insurance channels to implement client recommendations.

Nicholas Pearl is a financial advisor with Equitable Advisors in Williamsville, NY. He holds a Series 66 designation and has one year of industry experience. Prior to joining Equitable Advisors, he held positions at Insurance Advantage, ATT Mobility, and several other firms. Equitable Advisors serves individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm works extensively through program sponsors and third-party managers to deliver advisory and brokerage solutions.

William Scherrer is a financial advisor with Equitable Advisors, holding a Series 66 designation and one year of experience at the firm. His prior roles include positions at Syzmkowiak and Associates, Grabber and Sons, and the University of Alabama. 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 uses a hybrid referral and implementation model, combining advisory, brokerage, and insurance channels to tailor services based on client goals and risk tolerance.

Robert Walter is the Senior Resident Director and International Wealth Management Advisor at Merrill Lynch's Williamsville, New York office. He has been with Merrill Lynch Wealth Management since 1992 and also holds a leadership role at Cornish, Walter and Associates. Robert provides clients with access to the investment insights of Merrill Lynch Wealth Management and the banking services of Bank of America to address their financial needs comprehensively. Robert's expertise includes executive compensation, family wealth management strategies, institutional consulting, international wealth management, liquidity management, managing new wealth, personal retirement planning, sports and entertainment, tax minimization, and retirement income. He holds the Certified Private Wealth Advisor® (CPWA®) designation and the Certified Plan Fiduciary Advisor® (CPFA®) designation. He was named to the Forbes Best-in-State Wealth Advisors list for multiple years. Robert graduated from Johns Hopkins University with a Bachelor's degree in Social and Behavioral Science. He is a member of the Country Club of Buffalo and the Kaleida Health Foundation. His personal interests include baseball, football, golfing, and ice hockey.

Suzanne Funk is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and 16 years of industry experience. Her career includes positions at Wells Fargo Clearing Services, TD Ameritrade, Bank of America, Merrill, and Scottrade. She is also a commissioned Notary Public. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates a range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Dennis Kemble is a financial advisor with LPL Financial and holds Series 63 and Series 65 credentials. He has 24 years of industry experience and has worked with M&T Securities since 1999. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm provides financial planning, various advisory programs, retirement plan consulting, and brokerage services, offering both discretionary and non-discretionary management supported by in-house and third-party research.

Christopher Haick is a financial advisor at OSAIC with 24 years of industry experience. He holds a Series 63 designation and has worked at firms including Securities America and Investacorp. Outside of advising, he is a CPA providing tax and consulting services, serves as CFO of a beverage wholesaler, and is president of a foundation supporting underprivileged children. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, and corporations. The firm offers integrated brokerage and advisory services with a range of portfolio management tools and access to third-party investment platforms.

Daniel Roblin III is a CFP® with 33 years of industry experience. He has been with Wells Fargo Clearing since 2016, following a one-year tenure at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory solutions. The firm’s process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Zachary Morrison is a financial advisor with Equitable Advisors in Williamsville, NY, holding Series 63 and Series 66 designations and eight years of industry experience. He has worked at Equitable Advisors since 2017 and previously held roles at Axa Advisors, Park Country Club, SUNY Brockport, and the Jewish Community Center of Greater Buffalo. 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 uses a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels tailored to clients’ goals and risk tolerance.