Ngan Cheng is a Series 66-licensed financial advisor with LPL Financial in Amherst, NY, and has 11 years of industry experience. Prior to joining LPL Financial in 2018, Cheng worked at Ogorek Wealth Management and AxA Advisors. Outside of advisory work, Cheng serves as a notary public. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolios, and access to third-party asset managers, supported by technology tools and a broad range of non-advisory financial services.

Joseph Fahey is a CFP® with eight years of industry experience, currently affiliated with LPL Financial. He has held roles at Robert F. Fahey Jr. & Associates since 2018 and previously worked at Cadaret, Grant & Co., Inc. and Ernst & Young. Fahey is also involved as a partner in a real estate rental business. 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 financial planning and investment management services through a large network of advisors, utilizing model portfolios, third-party subadvisors, and customized strategies.

Paul Scribner is a financial advisor with Primerica Advisors in Amherst, NY, holding a Series 63 designation and bringing 24 years of industry experience. He has worked with PFS Investments Inc. and Primerica Financial Services since 2000 and has been involved with St. Joseph's Collegiate Institute since 2017. Outside of advisory work, he is involved in the sales of loan products and home-related services through affiliates of PFS Investments Inc. Primerica Advisors provides discretionary asset management primarily to individual and high-net-worth clients through its Lifetime Investment Program, which offers model-delivery strategies and discretionary separately managed accounts within a wrap-fee structure. The firm curates third-party asset managers and delegates trading to BNY Mellon Advisors, with a distinctive operational model focused on tiered wrap fees and ongoing manager oversight.

John Chiarenza is a financial advisor at Wells Fargo Clearing with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Wells Fargo in various capacities since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Tyler Utz is a financial advisor at Equitable Advisors with nine years of industry experience. He holds a Series 66 designation and has worked at Equitable Advisors since 2017, including time under its former name, Axa Advisors. Outside of his advisory role, he serves as power of attorney for both his mother and father. 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 delivers its services through a network of Investment Adviser Representatives and emphasizes matching clients to program models or discretionary managers, utilizing both proprietary and third-party investment solutions.

Stephen Wzontek is a financial advisor at LPL Financial with 45 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Royal Alliance Associates, INC. for 34 years and OSAIC for 2 years. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory services including financial planning, model portfolios, third-party asset management, and institutional platforms, supporting a network of over 22,800 advisors.

Joshua Dent is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 66 credentials and 23 years of industry experience. He has served at Raymond James since 2016. Outside of his advisory role, Dent is the owner and president of two support companies, Dent Wealth Management and JDent Inc., each with minimal monthly involvement. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and uses analytical tools to illustrate potential outcomes, supporting clients through advisory programs and other providers.

Danielle Robertson is a financial advisor with MassMutual Investors Services in Amherst, NY, holding a Series 63 designation and 20 years of industry experience. She has worked with MassMutual Investors Services since 2017 and with MassMutual Life Insurance Company since 2016, following two years at MetLife Securities Inc. Outside of her advisory work, she is a certified beach body coach and operates as an independent insurance agent. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, focusing on collaborative, goal-based strategies without discretionary investment authority.

Anthony Tripi is a financial advisor with OSAIC, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. He previously worked at American Portfolios Financial Services, Inc. for 19 years and has been associated with Carroll Financial Service for over three decades. Outside of advising, he is a founder and national recording artist of the band Tripi, involved in creating, performing, and marketing music. OSAIC serves a wide range of retail and institutional clients through an extensive network of financial advisers, offering integrated brokerage and advisory services along with access to multiple investment platforms and third-party money managers.

John Pacella is a financial advisor with Wells Fargo Clearing in Williamsville, NY, holding Series 63 and Series 66 credentials and bringing 34 years of industry experience. He has been with Wells Fargo Clearing since 2016, following a seven-year tenure at Wells Fargo Advisors LLC. Wells Fargo Clearing specializes in retirement plan consulting for qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is guided by investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Dominick Lanuti is a financial advisor at LPL Financial in Williamsville, NY, holding Series 63 and Series 66 designations with 20 years of industry experience. His prior roles include positions at M&T Securities and HSBC Securities (USA) Inc. over the past 15 years. 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 range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of advisors and technology tools for operational and research support.

Timothy Riemer is a CFP® professional with 29 years of experience in the financial industry. He has been with Ameriprise since 1996 and holds a Series 63 license. Outside of his advisory role, he is involved in real estate ownership of multi-family commercial properties. Ameriprise serves clients primarily through a retirement-income planning service designed for individuals with substantial investable assets, combining research-driven and algorithm-assisted recommendations with a broad suite of advisory, brokerage, and insurance solutions.

Kimberly Hobart is a financial advisor at Merrill with 25 years of industry experience. She holds a Series 66 designation and has been with Merrill since 1995. Outside of her advisory role, she is a managing member and general partner of HGR Property LLC, where she assists with bookkeeping for the company. 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.

John Coogan is a financial advisor at Mass Mutual Investors Services with 44 years of industry experience. He has been with MML Investors Services, Inc. since 1991 and with Massachusetts Mutual Life Insurance Company since 1990. He holds Series 63 and Series 65 licenses. Coogan serves as chairman of the finance and investment committee for Elmlawn Cemetery, a 501(c)(3) organization. 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.

John Macdonald is a financial advisor with Equitable Advisors in Williamsville, NY, holding a Series 66 designation and 16 years of industry experience. He has worked at Equitable Advisors since 2013 and prior to that was with Axa Advisors, LLC. Outside of his advisory role, he is involved as an educator with ACN Inc. and serves as a referral agent for Bison Insurance Services, LLC. Equitable Advisors serves individual, institutional, and charitable clients with financial planning, retirement plan consulting, and asset management programs. The firm utilizes a range of advisory models including third-party asset managers and LPL-sponsored programs, focusing on matching clients to suitable investment solutions without sponsoring its own wrap fee program.

Anthony Dinderski 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 in various fields including operations at Docu-Shred USA and seasonal work with Spirit Halloween. He has a background that includes education and carpentry. Equitable Advisors serves a diverse client base ranging from individuals to institutional clients, offering financial planning, retirement plan consulting, and asset management programs through a network of Investment Adviser Representatives. The firm’s approach involves personalized risk assessment and matching clients to advisory programs, utilizing both proprietary and third-party solutions.

David Goldpenny is a financial advisor at LPL Financial with 30 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at CUSO Financial Services, LP and Cuna Mutual Group, including Cuna Brokerage Services, Inc. He also operates Cornerstone Investment & Retirement Services, a business related to his advisory activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions, offering a range of financial planning and investment management solutions through a large network of investment adviser representatives.

Candice Uzarowski is a financial advisor with LPL Financial holding Series 63 and Series 65 licenses and 29 years of experience in the industry. Her prior roles include positions at CUSO Financial Services, LP and Calamar Financial Group. 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 institutions. The firm provides access to financial planning, model portfolios, third-party asset management, and institutional platforms, supporting advisors with tools including machine learning for operational and research purposes.

Nancy Beale is a financial advisor with Morgan Stanley in Williamsville, NY, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and has been with Citigroup Global Markets since 1987. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm provides a range of advisory programs including financial planning services that use structured discovery processes and modeling tools to support client outcomes.

Christopher Panza is a financial advisor with MassMutual Investors Services and holds Series 63 and Series 65 registrations. He has 10 years of industry experience, including roles at WNY Asset Management, Spectrum Wealth Management, and New York Life Insurance Company. Outside of his advisory work, he is an insurance broker and tax preparer, and serves as president of Panza Enterprises, Inc. MassMutual 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, with a focus on collaborative, goal-oriented planning.