David Goldpenny is a financial advisor at LPL Financial with 30 years of industry experience. He previously worked at CUSO Financial Services and Cuna Mutual Group, including Cuna Brokerage Services, over an 18-year period. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management approaches supported by research and model portfolios.

Candice Uzarowski is a financial advisor with LPL Financial and holds Series 63 and Series 65 credentials. She has 29 years of industry experience, including prior roles at CUSO Financial Services and Calamar Financial Group. 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. The firm provides a range of advisory programs, retirement plan consulting, and brokerage services, offering both discretionary and non-discretionary management supported by model portfolios and research from various sources.

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 who holds Series 63 and Series 65 licenses and has 10 years of industry experience. His prior roles include positions at WNY Asset Management, Steven Carmina CPA, Spectrum Wealth Management, and Cadaret, Grant & Co., Inc. Outside of advisory work, he is a tax preparer and serves as president of Panza Enterprises, Inc. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm offers comprehensive, collaborative planning that includes the use of advanced analytical tools and event-driven planning programs.

Ryan Judson is a financial advisor with Mass Mutual Investors Services in Amherst, NY, holding Series 63 and Series 65 licenses and seven years of industry experience. Prior to joining Mass Mutual in 2021, he worked at Northwestern Mutual in various roles from 2017 to 2021. He is also the founder of Big Fish Advisor, a social media marketing business. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser providing financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual planning engagements using firm-approved software and delivers recommendations primarily on investment categories and strategies.

Diane Beresniewicz is a financial advisor at RBC Capital Markets with 24 years of industry experience. She holds a Series 66 designation and has been with RBC Wealth Management since 2008. RBC Wealth Management serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs that provide discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services tailored to each client’s risk profile.

Christina Bottega is a financial advisor at RBC Capital Markets with 19 years of industry experience. She holds a Series 66 designation and previously worked at UBS Financial Services for 22 years before joining RBC in 2024. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers a variety of advisory programs with customizable investment strategies implemented through a combination of in-house and third-party managers.

Lisa Yuhnke is a financial advisor at Equitable Advisors with seven years of industry experience. She holds the Series 66 designation and has worked at Equitable Advisors since 2018. Prior to her advisory career, she was employed at Aurubis Buffalo, Inc. for eleven years and was involved with Lularoe from 2016 to 2018. She serves as a board member of the Chamber of Commerce of Tonawanda, NY. 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 and brokerage channels to tailor services to client goals and risk tolerance.

Michael Knavel is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and 15 years of industry experience. He has been with Equitable Advisors since 2011 and previously worked at Axa Advisors. Equitable Advisors serves individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients by 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 broker-dealer, leveraging LPL-sponsored programs and endorsed TAMPs to deliver advisory and brokerage solutions.

John Downing is a CFP®-certified financial advisor with eight years of industry experience. He is currently with LPL Financial and also operates Downing Financial Group. His prior experience includes roles at Cadaret, Grant & Co., Inc., and Goodway Group. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, and corporations through a national network of advisers. The firm offers various advisory programs, financial planning, and retirement consulting, providing both discretionary and non-discretionary management supported by research and model portfolios.

Jonathan Behuniak is a financial advisor at Osaic with two years of industry experience. He holds the Series 66 designation and has previously worked at LPL Financial, Northwest Bank, and Mollot & Hardy. Outside of advising, he is a Registered Office Assistant and Life Insurance Agent with L&M Group Limited. Osaic Wealth, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm offers a range of brokerage and advisory services supported by proprietary asset-allocation tools and access to third-party money managers across a variety of investment products.

William Moran is a financial advisor at Osaic Wealth, Inc. with 35 years of industry experience and holds the Series 63 designation. His career includes over a decade with Securities America Advisors, Inc., and he has operated William C. Moran & Associates, P.C. since 1990. Moran serves as a board member of the William and Diane Hein Foundation, a charitable organization. Osaic Wealth, Inc. serves a wide range of retail and institutional clients, offering integrated brokerage and advisory services, including financial planning, retirement consulting, and access to third-party money managers. The firm employs asset-allocation tools and automated rebalancing to manage diversified portfolios across multiple investment types on discretionary or non-discretionary bases.

Andrew Ferenczy is a financial advisor with OSAIC, holding a Series 66 designation and beginning his industry experience in 2024. Prior to joining OSAIC in 2025, he was with L&M Wealth Management. He attended Michigan State University and completed his high school education at Williamsville North High School. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage and investment advisory services, including financial planning and retirement plan consulting. The firm employs various portfolio construction tools and provides access to third-party money managers and wrap programs.

Chalise Krentz is a financial advisor at Equitable Advisors with a Series 66 designation. She has over a decade of experience in the financial services industry, including 12 years at Lockwood Asset Management Group and current ownership of TrueSpeed Logistics, a non-investment-related business. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations, 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 and brokerage channels to tailor services based on client goals, risk tolerance, and time horizon.

Nicholas Gnacinski is a financial advisor with Mass Mutual Investors Services in Amherst, NY. He holds a Series 63 designation and has 14 years of industry experience. His prior work includes roles at Massachusetts Mutual Life Insurance Company and METLIFE SECURITIES Inc. 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 provides financial planning, asset management, and educational seminars, focusing on collaborative annual planning engagements using firm-approved analytical tools.

Dylan Schall is a financial advisor with Equitable Advisors, holding a Series 66 designation and beginning his tenure at the firm in 2025. He has prior experience at Tiede Zoeller from 2018 to 2025, along with roles in home remodeling and agricultural businesses earlier in his career. 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 managers. The firm operates a hybrid referral and implementation model that includes both advisory and brokerage channels, emphasizing tailored client intake and ongoing client review processes.

Randy Brown is a Financial Advisor at Merrill Lynch Wealth Management based in Buffalo. He specializes in investment consulting for defined contribution plans, personal retirement planning, portfolio management services, and retirement income, with a focus on serving clients in sports and entertainment. Randy holds a Bachelor's degree in Economics from Miami University and an MBA from the Texas A&M University System. He is a CERTIFIED FINANCIAL PLANNER (CFP), a Personal Investment Advisor (PIA), and a Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). He is also an Army veteran. Outside of his professional work, Randy enjoys baseball, fishing, football, golfing, ice hockey, and skiing. He is committed to helping families execute their financial plans by uncovering what matters most to them and creating strategies to pursue their financial goals.

Daniel Wilkinson is a financial advisor with Ameriprise in Clarence Center, NY, holding the ChFC® designation and Series 63 and 65 licenses. He has 30 years of industry experience, including over 20 years with Ameriprise and its affiliate Ameriprise Financial Services, Inc. Wilkinson serves on the Board of Directors for Lutheran Charities of Western New York. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide non-discretionary, written recommendations delivered through a centralized consulting team in partnership with clients' financial advisors.

Steven Sackel is a financial advisor at RBC Capital Markets with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Bank of America, Merrill, and Wells Fargo Advisors. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers various advisory programs with tailored portfolio management, financial planning, and brokerage services, leveraging both in-house and third-party investment managers.

Michael Supernault is a financial advisor with LPL Financial in Niagara Falls, NY, holding a Series 63 designation and eight years of industry experience. His prior roles include positions at Cadaret, Grant & Co., Inc., The Prudential Insurance Company of America, and Pruco Securities, LLC. He also operated a pet-related business, The Puppy Playpen, for one year. 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, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management along with access to model portfolios and research from internal and third-party sources.