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.

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, holding Series 63 and Series 65 credentials 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, 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 for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Andrew Adelman is a financial advisor with LPL Financial, holding a Series 63 designation and 35 years of industry experience. Prior to joining LPL in 2025, he was with Cadaret, Grant & Co., Inc. for 35 years. Outside of his advisory role, he serves as a high school soccer referee in Orchard Park, NY. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of advisers. The firm provides a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and multiple investment strategies.

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 for Merrill Lynch Wealth Management in Williamsville, New York. He has been with Merrill Lynch since 1992 and holds a leadership role with Cornish Walter & Associates. In this capacity, Robert offers clients access to Merrill Lynch's investment insights along with banking services through Bank of America to address various aspects of their financial needs. Robert's areas of expertise include Executive Compensation, Family Wealth Management Strategies, Institutional Consulting, International Wealth Management, Liquidity Management, Managing New Wealth, Personal Retirement Planning, Sports & Entertainment, Tax Minimization, and Retirement Income. His professional qualifications include the Certified Plan Fiduciary Advisor (CPFA®) designation. He has also been recognized on the Forbes Best-in-State Wealth Advisors list for multiple consecutive years. Robert holds a Bachelor's degree in Social and Behavioral Science from The Johns Hopkins University. He is affiliated with professional organizations such as the Country Club of Buffalo and the Kaleida Health Foundation. In his personal time, he enjoys baseball, football, golfing, and ice hockey.