Jennifer Szumla is a financial advisor with Primerica Advisors in Amherst, NY, holding a Series 63 designation and over 20 years of industry experience. She has been with Primerica since 2005 and also has a longstanding role with Kenmore Mercy Hospital dating back to 1988. Outside of her advisory work, she is involved in managing an estate unrelated to her investment activities and participates part-time in the sale of home security and automation products through affiliated companies. Primerica Advisors offers discretionary asset management via its Lifetime Investment Program, which includes model-delivery strategies and discretionary separately managed accounts primarily for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure, providing a range of investment models with oversight delegated to BNY Mellon Advisors.

Conor Fitzhenry is a financial advisor with Mass Mutual Investors Services in Amherst, NY, holding Series 63 and Series 66 licenses and seven years of industry experience. Prior to joining MassMutual and its affiliated MML Investors Services in 2019, he worked at M&T Bank for three years. He is also licensed as an insurance broker, selling life, long-term care, and fixed annuities. 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, emphasizing annual collaborative planning with firm-approved analytic tools.

Louis Benton II is a financial advisor with LPL Enterprise, holding a Series 66 designation and 11 years of industry experience. His career includes roles at Principal Securities, Citizens Securities Inc., Key Investment Services LLC, and the Department of Labor. Outside of his advisory work, he owns Starin Morris LLC, an LLC registered for holding real estate. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and it offers a range of services including financial planning, access to third-party asset managers, and insurance product sales through affiliated entities.

Patricia Wallaitis is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 23 years of industry experience. She has worked with M&T Securities since 2003 and has over 30 years with M&T Bank. Wallaitis is based in Buffalo, NY. 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 advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Ryan Donaldson is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and 65 licenses and three years of industry experience. Prior to joining Cambridge, he worked at Paychex Inc. and has been involved in small business operations including ownership of a landscaping company. Cambridge Investment Research Advisors is an SEC-registered firm serving a diverse client base ranging from individual investors to retirement-plan sponsors. The firm offers financial planning, investment management, and retirement plan advisory services through independent Financial Professionals, utilizing various portfolio management strategies and multiple platform arrangements.

Joseph Piegay is a financial advisor with OSAIC, holding Series 63 and Series 66 licenses and having five years of industry experience. His prior roles include positions at Equitable Advisors and Strategic Financial Solutions. He is also involved with Northeastern Financial Partners LLC in sales and marketing of securities and insurance products. OSAIC serves a diverse clientele including individual, high-net-worth, institutional, and charitable investors through a large network of affiliated advisers and multiple advisory platforms. The firm provides brokerage, investment advisory services, financial planning, and access to third-party money managers, utilizing various asset-allocation and portfolio management tools.

Thad Borowiak is a CFP® professional with 15 years of industry experience, currently serving at Edelman Financial Engines. His prior roles include positions at United Capital Financial Advisers, LLC and Girard Securities, Inc. He is a board member of the East Aurora Rotary Club, a nonprofit organization. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm combines committee-driven proprietary modeling with planner delivery and online tools, offering a range of discretionary and non-discretionary investment solutions with an emphasis on diversified portfolios and long-term orientation.

Jennifer York Whitbeck is a financial advisor with Raymond James & Associates in Buffalo, NY, holding Series 63 and Series 66 licenses with 30 years of industry experience. She has been with Raymond James & Associates since 2014. Raymond James & Associates, Inc. is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional and pension plans, and municipal entities, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

Lorraine Carson is a financial advisor with Primerica Advisors in Amherst, NY, holding a Series 63 designation and 10 years of industry experience. Her career includes roles at Primerica Financial Services and PFS Investments Inc., along with prior employment at National Fuel Gas. She is involved with Ken-Ton Meals On Wheels since 2023. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-based strategies and selectively managed accounts. The firm uses third-party asset managers and a wrap-fee structure, focusing on curated model portfolios rather than institutional plan management.

Thomas Healy is a financial advisor at LPL Enterprise with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously with Prudential Insurance Company of America and Pruco Securities, LLC. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and an affiliated insurance agency.

Matthew Kapanek is a financial advisor at LPL Financial with 20 years of industry experience. He holds the Series 66 designation and previously worked at Next Financial Group Inc for 18 years before joining LPL Financial in 2025. In addition to his advisory work, he is involved in a non-variable insurance business and operates a DBA related to his LPL activities. 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, delivering advice through a network of investment adviser representatives who use a range of strategies and advisor-facing tools.

Michael Radecke is a financial advisor at Morgan Stanley in Williamsville, NY, holding Series 63 and Series 65 licenses with 39 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he serves on the Finance Committee of the Country Club of Buffalo. Morgan Stanley Wealth Management provides advisory and brokerage services to individual and institutional clients, offering tailored financial planning and a range of investment programs supported by firm-approved planning tools and strategies.

Anthony Orange is a financial advisor with Merrill in Buffalo, NY, holding a Series 66 designation and 10 years of industry experience. He has worked at Bank of America, N.A. and Merrill since 2016. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Devin Filippi is a Series 66-licensed financial advisor with Equitable Advisors, bringing two years of industry experience. Prior to joining Equitable Advisors, he worked at Alliance Advisory Group, Inc./Park Avenue Securities for one year and has a background that includes roles in education and part-time employment at Imperial Concrete Company. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement consulting, and asset management programs through a network of Investment Adviser Representatives, utilizing both proprietary and third-party investment solutions.

Thomas Suchocki is a financial advisor with Primerica Advisors in Cheektowaga, NY, holding a Series 63 designation and 38 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1987. Outside of his advisory role, he is co-owner with his sister of a beach house in Canada. Primerica Advisors provides 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 offers a tiered wrap-fee structure, delegating trading responsibilities to BNY Mellon Advisors.

Katherine Mclernon is a financial advisor with MassMutual Investors Services, holding a Series 63 designation and 34 years of industry experience. She has been with MML Investor Service Inc and MassMutual since 2005. MML Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual planning relationships and offers specialized programs including estate settlement and employer-sponsored planning.

Benard Verrico is a financial advisor with LPL Financial in Buffalo, NY, holding Series 63 and Series 65 credentials with one year of industry experience. His work history includes positions at KeyBank and Lawley Retirement Advisors, where he also provides administrative support. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions, utilizing a broad range of investment strategies and operational tools.

Thomas Giambra is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. His career includes over two decades at M&T Securities and brief tenures at Wilmington Advisors and LPL Financial prior to joining Wells Fargo Clearing. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a diverse range of investment vehicles such as insurance-related products and bank deposit sweep options.

Daniel Lipsitz is a financial advisor at OSAIC with 22 years of industry experience. He holds a Series 63 designation and has worked at L&M Financial and Securities America Advisors since 2007. Outside of his financial advisory role, he teaches yoga classes several times a month and is involved in home improvement projects through his position as president of 716 Planning. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage, investment advisory services, financial planning, and access to third-party money managers and wrap programs. The firm employs asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct diversified portfolios.

David Meisenzahl is a Financial Advisor with Merrill Lynch Wealth Management. He works directly with clients to develop strategies that address their individual financial goals and priorities. David focuses on areas including employee benefits planning, executive and equity compensation, personal retirement planning, portfolio management, small business strategies, investment strategy, tax minimization, and retirement income. David holds a Bachelor's Degree and a Master of Business Administration (MBA) from the University at Albany. He has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Through Merrill Lynch, he leverages global investing resources as well as the credit, lending, and banking services of Bank of America to support his clients. Outside of his professional work, David enjoys a variety of activities such as hiking, pickleball, reading, scuba diving, skiing, spending time with his family, surfing, swimming, tennis, and traveling.