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.

John Grad is a financial advisor with Ameriprise in Williamsville, NY, holding Series 63 and Series 65 designations and having 46 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

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.

Jessica Sullivan is a financial advisor with LPL Financial, holding a Series 63 designation and 16 years of industry experience. She previously worked at Cadaret, Grant & Co., Inc. and Mahoney Financial Group. In addition to her advisory role, she is employed outside the investment industry at Tops Friendly Markets. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives, offering a range of advisory programs, financial planning, and brokerage services.

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 at Merrill Lynch Wealth Management, where he leads The Sackett Team. He began his career as an investment banker in New York City with a major Wall Street firm, focusing on mergers and acquisitions within the private equity community. Jay joined Merrill Lynch in 2006 with the goal of helping individuals and families manage and steward their multi-generational wealth. Jay graduated summa cum laude from Cornell University in 2003 with a B.S. degree in applied economics and management. He holds the CERTIFIED FINANCIAL PLANNER (CFP) designation awarded by the Certified Financial Planner Board of Standards and serves as a qualified Portfolio Manager in the firm's Investment Advisory Program. He specializes in family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, socially responsible and values-based investing, tax minimization, and retirement income. Jay resides in Clarence Center with his wife and three daughters. He is actively involved in his church and local community, where he enjoys serving and encouraging others. His personal interests include camping, cooking, fishing, football, hiking, running, spending time with his family, and traveling.

Paul Eberz is a financial advisor with OSAIC, holding a Series 63 license and 44 years of industry experience. He has worked at OSAIC since 2024 and previously spent 34 years with Investacorp and four years with Securities America Advisors. Additionally, he is a licensed insurance agent in New York, offering long-term care insurance, life insurance, and annuity products. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through an extensive network of advisers and platforms. The firm provides integrated brokerage and advisory services utilizing various asset allocation tools, managed account solutions, and third-party managers.

Anthony Scalise is a financial advisor at Cambridge Investment Research Advisors with 23 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at Ic Advisory Services Inc, The Investment Center Inc, and Invest Financial Corporation. Scalise is also engaged in advisory and insurance-related roles outside of his primary employment. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension and profit-sharing plans, charitable organizations, and trusts by providing financial planning, investment management, retirement plan advisory, and financial-wellness services. The firm offers a range of investment solutions through independent Financial Professionals, combining proprietary models and third-party strategies across various custody platforms.

Elizabeth Moser is a financial advisor at Ameriprise with one year of industry experience. She holds a Series 66 designation and has previously worked at Alden State Bank and Tractor Supply Co. Prior to her finance career, she was involved in preschool education and homeschooling. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on income sources and tax-aware withdrawal strategies.

Tyler Powell Kelly is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds the Series 66 and Series 63 licenses. His prior work includes positions at KeyBank, Tops Friendly Markets, and Citizens Bank. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

James Gendron is a Certified Financial Planner (CFP®) with 39 years of industry experience, currently affiliated with Raymond James & Associates. He previously held positions at Wells Fargo Clearing and Wells Fargo Advisors LLC, accumulating over a decade of experience before joining his current firm. Raymond James & Associates serves a broad client base including individuals, institutional and pension plans, and charitable organizations. The firm offers financial planning and non-discretionary investment consulting through its Wealth Advisory Services Program and Institutional Fiduciary Solutions division, supported by a nationwide adviser force and a range of portfolio management styles.