Nicholas Beckman is a financial advisor with Cetera, holding a Series 63 designation and 11 years of industry experience. He has worked with several firms including Lifetime Wealth Management Group, where he serves as an Investment Executive, and has previously been affiliated with Avantax and Securities America. His experience spans financial planning, estate planning, retirement planning, and investment planning. Cetera Investment Advisers LLC is an SEC-registered advisor with a nationwide network of over 10,000 independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services and operates a multi-manager platform with diverse program options and custodial arrangements.

Adam Burns is a financial advisor with UBS Financial Services in Buffalo, NY, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. He has worked with UBS since 2006 and with Troy and Banks since 2004. Outside of his advisory role, he serves as an independent consultant for a utility auditing company that specializes in identifying and recovering overcharges on utility invoices. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services and provides a wide range of capital markets and advisory solutions.

Kenneth Lenfest is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 15 years of industry experience. He has worked at Wells Fargo Clearing since 2020 and previously spent four years at Citizens Securities Inc. 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 both brokerage and advisory solutions, utilizing research and analytics from its Investment Institute alongside third-party data.

Christina Wolfe is a financial advisor with Osaic, holding a Series 66 designation and 24 years of industry experience. She was previously with Securities America Inc. for 14 years before joining Osaic in 2024. Wolfe also serves as Chief Compliance Officer at L&M Group Ltd., where she oversees branch compliance with FINRA regulations. Osaic Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform, offering brokerage and advisory services that include comprehensive financial planning, managed portfolios, and retirement plan consulting. The firm employs a model-based investment approach with various strategies and maintains a complex affiliate network supported by private-equity ownership.

Michele Mundie is a financial advisor at Morgan Stanley with 30 years of industry experience. She has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, UBS Financial Services, and Merrill. Outside of her advisory role, she serves as a notary public in New York and is involved with a nonprofit organization. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer that provides advisory programs and tailored financial planning to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and model-based simulations in its financial planning process.

Samantha Broas is a financial advisor at UBS Financial Services with a Series 66 designation and experience at the firm since 2020. She has a background that includes roles at the University at Buffalo and D'Youville College. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings. The firm provides fee-based financial planning, portfolio management, and a range of capital markets services supported by proprietary research and institutional trading capabilities.

Bernard Unger is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. His prior roles include positions at Sigma Planning Corporation, Pruco Securities, and Prudential Insurance Company of America. He is also involved with Inheritance Planning Group, LLC in connection with his LPL business. 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 other institutions. The firm offers a range of financial planning and portfolio management solutions, utilizing both proprietary and third-party models alongside technology tools for operational support.

Jacob Kubala is a financial advisor at Equitable Advisors with one year of industry experience. He holds the Series 66 designation and has a background that includes law enforcement roles with the University at Buffalo Police and Niagara County Correctional Facility. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients by providing financial planning, retirement plan consulting, and a variety of asset management programs. The firm’s approach incorporates personalized risk assessment and matching clients to advisory program models or discretionary managers, utilizing both proprietary and third-party solutions.

Mark Massaro is a financial advisor at Ameriprise with 31 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored recommendation reports. The firm delivers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Gregory Oguich is a financial advisor at Ameriprise with 28 years of industry experience. He holds the ChFC® and Series 63 designations and has been with Ameriprise and its affiliated entities since 1997. Outside of his advisory work, he serves as Treasurer on the Board of Directors for Boy Scout Troop 411 in Buffalo, NY. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research and modeling to deliver tailored, non-discretionary recommendations through a centralized consulting team. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Gabriella Gamble is a financial advisor with OSAIC holding a Series 66 designation and one year of industry experience. Her prior roles include positions at Securities America, Bank of America, and Buffalo Metropolitan Federal Credit Union. She is currently based in Amherst, NY. OSAIC Wealth serves a wide range of clients, including individual investors, retirement plans, charities, and corporate entities, offering both brokerage and advisory services through a multi-advisor platform. The firm utilizes a model-based investment approach focused on asset allocation and portfolio optimization.

Abigail Ferenczy is a Series 66-registered financial advisor at OSAIC with one year of industry experience. She has worked at OSAIC since 2024 and has held various roles at organizations including Williamsville Central School District, L&M Wealth Management, and Gugino Insurance Agency Inc. Outside of her advisory work, she has been involved with the Williamsville Stampede since 2018. OSAIC Wealth serves a diverse client base, including individual investors, retirement plan sponsors, charities, and corporate clients, offering brokerage and advisory services through a multi-advisor platform. The firm emphasizes model-based asset allocation and portfolio optimization and supports a wide range of investment programs delivered via affiliated broker-dealer and RIA relationships.

Vincent Smith is a financial advisor at OSAIC with 24 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for Securities America Advisors, Inc. for 17 years. He is also involved with L&M Financial Services, where he engages in insurance sales. OSAIC Wealth serves a diverse range of clients including individual investors, retirement plan sponsors, charities, and corporate entities. The firm offers brokerage and advisory services with an investment approach centered on model-based asset allocation, portfolio optimization, and multiple managed account options.

Alex Caratelli is a CFP® professional with eight years of industry experience, currently affiliated with LPL Financial in North Tonawanda, NY. His prior roles include positions at Key Investment Services, Fidelity Investments, HSBC Bank USA, and Citizens Bank. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management options, utilizing model portfolios, third-party subadvisors, and customized strategies.

Jessica Sullivan is a financial advisor at LPL Financial with 16 years of industry experience. She previously worked at Cadaret, Grant & Co., Inc. and Mahoney Financial Group. Outside of advising, she holds a part-time position at Tops Friendly Markets. 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, third-party asset management, and institutional platforms, supporting advisors with a range of strategies and technology tools.

Ellen Lundgren is a financial advisor at Raymond James & Associates with eight years of industry experience. She holds the Series 66 designation and has worked previously at UBS Financial Services, Thomas Financial Group, and Fitlife Foods. Her background also includes a role at the University of Tampa. Raymond James & Associates 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, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Ryan Kane is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and 16 years of industry experience. He has been with Mass Mutual Investors Services and Massachusetts Mutual Life Insurance Co since 2013. MML Investors Services, LLC 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, structuring engagements as annual collaborative relationships that utilize firm-approved analytical tools.

Jay Sackett is a Wealth Management Advisor with Merrill Lynch Wealth Management. He began his career as an investment banker in New York City, focusing on mergers and acquisitions within the private equity community. In 2006, he joined Merrill Lynch to form The Sackett Team aimed at helping individuals and families manage and steward their multi-generational wealth. Jay graduated summa cum laude from Cornell University in 2003 with a Bachelor of Science degree in applied economics and management. He holds the Certified Financial Planner (CFP) certification and serves as a qualified Portfolio Manager in the firm's Investment Advisory Program. His expertise includes family wealth management strategies, legacy planning, personal retirement planning, portfolio management services, socially responsible and ESG investing, tax minimization, and managing new wealth. Jay resides in Clarence Center with his wife, three daughters, and two rescue dogs. He is actively involved in his church and local community and enjoys camping, cooking, fishing, football, hiking, running, spending time with his family, and traveling.

Paul Eberz is a financial advisor at OSAIC with 44 years of industry experience. He holds a Series 63 designation and has worked previously at Securities America Advisors and Investacorp Advisory Services. In addition to his advisory work, he is a licensed insurance agent in New York, focusing on long-term care insurance, term life products, and fixed and variable annuities. OSAIC Wealth serves a diverse client base, including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services supported by a model-based investment process and a platform that includes discretionary strategies, third-party money managers, and alternative investments.

Anthony Scalise is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and having 23 years of industry experience. His prior roles include positions at Invest Financial Corporation, The Investment Center Inc, and IC Advisory Services Inc. Scalise is also involved in insurance and human resources activities. Cambridge Investment Research Advisors serves a diverse client base, including individual and institutional clients such as pension and charitable organizations, offering financial planning, investment management, and retirement-plan advisory services through a range of platforms and proprietary model strategies.