James Kranz is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he has been serving clients since 2010. He specializes in providing personalized financial strategies tailored to clients' individual goals, managing custom investment strategies on a discretionary basis, and selecting from a broad range of Merrill model portfolios and third-party investment options. His expertise spans managing new wealth, personal retirement planning, tax minimization, and retirement income. James holds a Bachelor's degree in Political Science with a specialization in International Relations from the University at Buffalo. He is a specially qualified Senior Portfolio Advisor within the Merrill Investment Advisory Program and maintains Series 7 and Series 66 FINRA registrations. Additionally, James holds the Certified Private Wealth Advisor® designation and the Personal Investment Advisor (PIA) professional designation. Based in Williamsville, New York, James has lived in the Buffalo area his entire life. He is actively involved in his community, serving as a mentor and supporter of the Kenya Project. Outside of his professional responsibilities, he enjoys football, golfing, hiking, and spending time with his family.

Robert Dibiase is a financial advisor with Equitable Advisors in Clarence Center, NY, holding a Series 66 designation and bringing 21 years of industry experience. He has been with Equitable Advisors since 2004 and was previously associated with Axa Advisors, LLC. 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 employs a hybrid referral and implementation model and offers both advisory and brokerage/insurance channels to execute client recommendations.

Christopher Lo Tempio is a financial advisor with Charles Schwab in Amherst, NY, holding a Series 66 designation and 18 years of industry experience. He has been with Charles Schwab since 2013, including six years at Charles Schwab Bank. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 both non-discretionary investment guidance and access to discretionary separately managed accounts, combining a multi-asset model portfolio approach with centralized operational and custody services.

Richard Fichter Jr. is a financial advisor at OSAIC with 43 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Fichter Wealth Management, Inc., where he serves as president, and Securities America Advisors Inc. Outside of his advisory work, he is a deacon at the First Baptist Church of West Seneca. 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. The firm utilizes asset-allocation tools and multiple advisory platforms to construct portfolios that incorporate a wide range of investment options.

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 at OSAIC with 24 years of industry experience. She holds a Series 66 designation and has worked at OSAIC since 2024, following 14 years at Securities America Inc. Wolfe also serves as Chief Compliance Officer at L&M Group Ltd. and maintains a life insurance license in New York. OSAIC Wealth, Inc. serves a diverse client base including individual, high-net-worth, institutional, and corporate investors, offering a range of brokerage and advisory services supported by advanced asset-allocation tools and access to third-party money managers. The firm operates a complex platform with multiple mergers and commercial arrangements, providing both discretionary and non-discretionary portfolio management options.

Michele Mundie is a financial advisor at Morgan Stanley with 29 years of industry experience. She holds Series 63 and Series 65 credentials and has previously worked at UBS Financial Services Inc. Michele also serves as a Notary Public in the State of New York and is involved with a nonprofit organization. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by firm-approved tools and a structured discovery process.

Bernard Unger is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 33 years of industry experience. He has held previous roles at firms including Sigma Planning Corporation, Pruco Securities, LLC, and The Prudential Insurance Company of America. Unger is also involved with Inheritance Planning Group, LLC, an investment-related business connected to his work at LPL. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by proprietary research, third-party subadvisors, and various investment strategies.

Jacob Kubala is a financial advisor with Equitable Advisors in Williamsville, NY, holding a Series 66 credential and one year of industry experience. Prior to joining Equitable Advisors, he worked in law enforcement, including a role as a police officer at the University at Buffalo. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporations, charities, and institutions, offering financial planning, brokerage, insurance, and access to third-party asset management programs through a dual-registered model.

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 at OSAIC with one year of industry experience and holds the Series 66 designation. Her prior roles include positions at Securities America, Bank of America, and Buffalo Metropolitan Federal Credit Union. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of advisers. The firm offers integrated brokerage and advisory services with a range of investment options and uses various tools and platforms to construct and manage portfolios.

Mario Camillo is a financial advisor with LPL Financial in Elma, NY, holding Series 63 and Series 66 licenses. He has 29 years of industry experience, including 10 years at INVEST Financial Corporation before joining LPL Financial in 2018. Outside of his advisory role, he is involved with The Specific Solutions Group, a non-variable insurance business. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a wide range of advisory programs and services, including financial planning, retirement consulting, and access to model portfolios and research from various sources.

John Grad is a financial advisor at Ameriprise with 45 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers a retirement-income planning service tailored to individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide written recommendation reports. The firm serves a large client base through a centralized consulting team and emphasizes the use of proprietary products and algorithmic tools in its retirement planning approach.

Abigail Ferenczy is a financial advisor at OSAIC with one year of industry experience. She holds the Series 66 designation and has a background that includes roles at 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 serves a wide range of retail and institutional clients, offering integrated brokerage and investment advisory services, financial planning, and access to various managed account solutions through a large network of affiliated advisers and multiple advisory platforms.

Vincent Smith is a financial advisor at Osaic Wealth, Inc. with 24 years of industry experience. He holds Series 63 and Series 65 credentials and has worked previously at Securities America Advisors, Inc. and Securities America, Inc. since 2007. In addition to his advisory role, he is involved with L&M Financial Services, where he engages in insurance sales and financial services administration. Osaic Wealth, Inc. serves a diverse client base including retail and institutional investors, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs various asset-allocation tools and supports both discretionary and non-discretionary portfolio management.

Alex Caratelli is a CFP® professional with seven years of industry experience, currently affiliated with LPL Financial in North Tonawanda, NY. He has worked at several financial institutions including Key Investment Services, Alloy, Fidelity Investments, and HSBC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning services, and retirement plan consulting, combining proprietary research and third-party model portfolios with both discretionary and non-discretionary management options.

Ellen Lundgren is a financial advisor with Raymond James & Associates, holding a Series 66 designation and eight years of industry experience. Her prior roles include positions at UBS Financial Services, Thomas Financial Group, and Fitlife Foods. She also worked at the University of Tampa from 2013 to 2017. Raymond James & Associates, Inc. is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $500.956 billion in assets. The firm provides wealth advisory planning and investment consulting to a broad client base, including high-net-worth individuals and institutional clients, delivering non-discretionary financial planning and investment recommendations supported by an extensive affiliate network and active involvement in municipal and public finance.