Timothy Clouden is a financial advisor with LPL Financial based in Orchard Park, NY. He holds Series 63 and Series 65 licenses and has 18 years of industry experience, including 14 years at M&T Securities prior to joining LPL Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a variety of advisory and brokerage services supported by both proprietary and third-party investment strategies, and maintains a broad platform that includes financial planning and institutional programs.

David Hirschbine is a financial advisor with LPL Financial based in Hamburg, NY, holding Series 63 and 65 licenses and bringing 18 years of industry experience. He has been affiliated with LPL Financial since 2010 and has worked at Northwest Bank since 2016. 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 provides a range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset managers, supported by various technological and operational tools.

Douglas Druzbik is a CFP® professional with 28 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He holds Series 63 and Series 65 licenses. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines research from Wells Fargo Investment Institute with diversification principles and modern portfolio theory to evaluate investment options within its extensive platform.

Michael Silkowski is a financial advisor with LPL Financial, holding a Series 63 designation and 14 years of industry experience. He has worked with LPL Financial since 2016 and has prior experience at Evans Investment Services and Evans Bank. He also serves as a notary public. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, with a broad range of strategic and tactical investment options.

Richard Campbell II is a CFP® professional with 24 years of experience at Equitable Advisors, where he has worked since 2002. He previously held a position at Axa Advisors, LLC from 2002 to 2020. He serves on the Hamburg Finance Academy Advisory Board. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm employs a range of advisory models and programs, utilizing third-party asset managers and LPL-sponsored advisory platforms.

Jennifer Lopez is a financial advisor with LPL Financial, holding a Series 66 designation and seven years of industry experience. She previously worked at Merrill for six years and at Conversion Monster LLC for three years. Lopez is currently based in Orchard Park, 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, and access to third-party asset managers.

Monica Loretto is a financial advisor with UBS Financial Services in North Collins, NY, holding a Series 63 designation and 26 years of industry experience. She has been with UBS since 1997. Outside of her advisory role, she is involved in the sales and servicing of recreational vehicles through Meyers RV Superstore. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings tailored to clients’ goals and risk tolerances.

Anthony Alleca is a financial advisor with Edward Jones in Hamburg, NY, holding a CFP® designation and Series 63 and 65 licenses. He has 27 years of industry experience, including one year at Key Investment Services LLC before joining Edward Jones in 2017. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets through a large network of advisors and branch offices, offering a range of advisory programs, discretionary and non-discretionary strategies, and affiliated investment products.

A. Schaefer is a financial advisor at Cetera with 22 years of industry experience and holds a Series 63 designation. Prior to joining Cetera in 2023, Schaefer worked with Cetera Wealth Services, LLC since 2013. Outside of advising, Schaefer serves as president of the board and general manager of Bob-O-Link Golf Club and is a board member of Orchard Park Country Club, both nonprofit organizations in Orchard Park, NY. Cetera Investment Advisers LLC is a nationwide network of independent advisors serving individual, employer-sponsored, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and retirement services through discretionary and non-discretionary programs, utilizing multiple managers and diverse investment strategies.

Thomas Domin is a CFP® with 22 years of industry experience, currently serving at Raymond James Financial. His prior roles include positions at Noble Wealth Partners, Crux Wealth Advisors, TIAA, and HSBC Securities. In addition to his advisory work, he is involved as an agent providing life insurance and long-term care solutions and serves on the board of directors for his support company, contributing to its growth initiatives. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, institutions, and charitable organizations. The firm employs tailored, non-discretionary planning using analytical tools and supports clients through various advisory programs and institutional consulting.

Victor Tomasulo is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. He has two years of industry experience, including prior roles at Tesla and Solidifi. Tomasulo currently works with MassMutual Life Insurance Company and MML Investors Services, LLC. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that operates as a subsidiary of MassMutual. The firm provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers, using firm-approved software and collaborative annual planning relationships.

Louis Gebhard is a financial advisor with Edelman Financial Engines, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. His prior work includes roles at NORTHWEST Bank, John Hancock, New York Life, and Modern Wealth Management, LLC. Edelman Financial Engines offers technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven modeling process combined with planner delivery and online tools, managing diversified portfolios with a long-term orientation.

Thomas Robertson is a CFP® with 18 years of industry experience, currently affiliated with Morgan Stanley in Orchard Park, NY. He has been with Morgan Stanley Smith Barney LLC since 2009 and also associated with Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide array of advisory programs including customized financial planning supported by firm-approved tools and analysis. The firm manages approximately $2.74 trillion in client assets and provides services through both direct and employer-based financial planning arrangements.

Brittany Cheney is a financial advisor at Wells Fargo Clearing with 14 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at LPL Financial, M&T Securities, Inc., and M&T Bank. Outside of her advisory role, she serves as a successor trustee for a family trust and is a commissioned notary in Buffalo, NY. 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 management. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Julie Barr is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 designations and nine years of industry experience. She has worked with several firms including LPL Financial and Crux Wealth Advisors. Outside of finance, she is the owner of The Crossroads Doula, a life coaching business. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, institutions, and charitable organizations. The firm provides tailored, non-discretionary planning and consulting utilizing risk profiling and analytical tools, and supports municipal and public finance work through a unique municipal advisor affiliation.

Michael Skrzypczyk is a CFA® charterholder with five years of industry experience. He is currently affiliated with Raymond James Financial and has prior experience at Nottingham Advisors and SUNY Geneseo. Michael is based in Orchard Park, NY. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm emphasizes tailored, non-discretionary planning using analytical tools and supports a wide network of advisors and affiliated firms.

Victor Tomasulo III is a financial advisor with Mass Mutual Investors Services who holds a Series 63 designation and has 30 years of industry experience. He has been with MML Investor Service Inc and MassMutual since 2005. MassMutual Investors Services operates as 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, using firm-approved tools to develop written recommendations without discretionary authority.

James Cummings is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and bringing 26 years of industry experience. He has been with Wells Fargo Clearing since 2016. Outside of his advisory role, he coaches alpine ski racing in Ellicottville, NY. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, managing approximately $671 billion in assets through over 14,000 financial advisors.

Gerald Ogilvie IV is a financial advisor at Equitable Advisors with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Equitable Advisors since 2015, including prior service at AXA Advisors, LLC. Equitable Advisors serves individuals across the wealth spectrum, pension and profit-sharing plans, corporations, and charitable organizations by providing financial planning, retirement plan consulting, and various asset-management programs. The firm delivers its services through a network of Investment Adviser Representatives and utilizes a mix of proprietary and third-party advisory programs and managers.

James Orzech is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 credentials and 35 years of industry experience. He has worked at Raymond James since 2020 and previously spent nine years at UBS Financial Services, Inc. Orzech is also president of Orzech Wealth Management and owner of Noble Wealth Partners, both based in Buffalo, NY. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and corporate clients. The firm offers tailored, non-discretionary planning and supports a wide network of advisors, with specialized capabilities in municipal finance and employer retirement plans.