Michael Gzyl is a financial advisor with Cetera who holds a Series 63 designation and has 11 years of industry experience. He has worked at Cetera Investment Services LLC since 2019 and previously at Foresters Financial Services from 2015 to 2019. Outside of his advisory role, he owns and operates Susie Cuke's Pickle Company and a mobile golf simulator business called Tee Box LLC. Cetera Investment Advisers LLC is an SEC-registered adviser serving a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and consulting services through a multi-manager platform that includes model portfolios, third-party managers, and bespoke strategies, managing over $256 billion in assets through more than 10,000 advisors.

Richard Benkleman is a financial advisor with Merrill, holding a Series 66 designation and 13 years of industry experience. His career includes roles at Merrill, J.P. Morgan Securities, and Bank of America. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base that includes individuals, high-net-worth clients, pension plans, and charitable organizations.

Adam Glaser is a financial advisor with Equitable Advisors in Williamsville, NY, holding Series 63 and Series 66 credentials and 11 years of industry experience. He has been with Equitable Advisors since 2014, including its prior affiliation as AxA Advisors. 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 various 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 horizons.

Peter Haag is a financial advisor at Ameriprise with 33 years of industry experience. He holds a Series 63 designation and has been with Ameriprise and its affiliates since 2005. Outside of his advisory role, he is the owner and manager of JeaNala LLC, a business based in Clarence Center, NY. Ameriprise is an institutional firm offering a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets. The firm provides a range of advisory, brokerage, and insurance solutions through affiliated companies, utilizing a centralized consulting team and a combination of research and modeling to generate tailored retirement recommendations.

Tahir Jaffri is a financial advisor with Mass Mutual Investors Services, holding the ChFC® designation and Series 63 license, with 30 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and has held positions at MetLife Securities Inc. and Metropolitan Life Insurance Company since 1995. Outside of his advisory work, Jaffri is an insurance agent focusing on health insurance. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements and various investment programs, including educational seminars and specialized planning services.

Dale Bielicki is a financial advisor at Thrivent Investment Management with eight years of industry experience. He holds Series 65 and Series 63 licenses and has been with Thrivent since 2017. Prior to his financial services career, he worked for over two decades at Carolina Furniture. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering goal-based analyses and planning across various financial topics through a network of financial advisors. The firm’s services focus on planning rather than portfolio management or institutional advisory mandates.

Robert Peters is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and 30 years of industry experience. His prior roles include positions at Cetera and Foresters Financial, spanning from 1996 to 2024. He is also the owner of Previs Wealth, LLC, a business used for shared expenses and succession planning. OSAIC serves a diverse client base including individual and high-net-worth investors, institutional pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and investment advisory services with a range of portfolios managed through firm tools and third-party platforms.

Melissa Darnell is a Series 66 licensed financial advisor with 11 years of industry experience, currently affiliated with OSAIC since 2024. She has previously worked at Cetera Investment Service LLC, LPL Financial LLC, Evans Bank, and Saperston Asset Management. In addition to her advisory work, she provides customer service and administrative support as a registered sales assistant at Previs Wealth. OSAIC Wealth, Inc. serves a wide range of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools and automated rebalancing to construct diversified portfolios and supports various managed account solutions.

Rosemarie Rath is a financial advisor with Equitable Advisors in Williamsville, NY, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. She previously worked at L&M Financial Services for 24 years and Axa Advisors for 2 years before joining Equitable Advisors in 2018. Outside of her advisory role, she is the owner and artist of Designs by Roses, a creative business based in Orchard Park, 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 third-party programs. The firm operates a hybrid referral and implementation model, utilizing various asset managers and offering both advisory and brokerage services.

Patrick Topper is a financial advisor with LPL Enterprise holding a Series 66 designation and 11 years of industry experience. Prior to joining LPL Enterprise in 2024, he worked at Prudential Insurance Company of America and Pruco Securities, LLC from 2014 to 2024. Outside of his advisory role, he is involved with a financial services business under a DBA affiliated with LPL. LPL Enterprise, LLC serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers advisory and brokerage services, utilizing model portfolios, third-party asset managers, and a range of financial and insurance products through an integrated platform.

Stacey Prowse is a financial advisor at LPL Financial with 26 years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at OSAIC, Royal Alliance Associates Inc., and Georgetown Capital Group. Outside of advising, she also serves as a notary in Williamsville, NY. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, and corporations. The firm offers diverse advisory programs and financial planning services supported by model portfolios, research, and advanced technologies.

Sheila Visco is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and one year of industry experience. Her prior work includes roles at Jordan Wealth Management and Calamar Financial Group, with earlier experience at C & M Capital Resources, Inc. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform that enables advisors to utilize a range of portfolio management options, including affiliated and third-party models, bespoke strategies, and various program structures across discretionary and non-discretionary authorities.

Michael Ragusa is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 20 years of industry experience. His prior roles include positions at Equity Services, Inc., Mass Mutual Life Insurance Company, Prudential Insurance Company of America, and Voya Financial Advisors. He is also involved in the sales and service of fixed insurance products through NPA Financial and The Vermont Agency. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing research and model portfolios from LPL Research and third-party subadvisors.

Michael Davern is a financial advisor at Wells Fargo Advisors in Williamsville, NY, holding Series 65 and Series 63 licenses with four years of industry experience. His prior roles include five years at Citigroup and work at Lawley Retirement Advisors. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad planning menu that includes retirement, education, risk, and wealth-transfer planning. The firm uses proprietary research and tools to develop tailored recommendations delivered through meetings and written summaries.

Robert Ervolina is a financial advisor with Cetera who holds Series 63, 65, and 66 credentials and has 27 years of industry experience. He serves as CEO of Lifetime Wealth Management Group, Inc., where he focuses on financial, estate, retirement, and investment planning. He is also the sole trustee of his late grandfather’s estate. Cetera Investment Advisers LLC is an SEC-registered adviser offering portfolio management, financial planning, and retirement services through a nationwide network of independent advisors. The firm serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts with a multi-manager platform that includes affiliated and third-party investment strategies.

Nathan Ibarra is a financial advisor with LPL Financial, holding Series 63, 65, and 66 licenses and 19 years of industry experience. His prior experience includes roles at Janney Montgomery Scott, Wells Fargo Clearing Services, HSBC Securities, HSBC Bank USA, and Hennion and Walsh. 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, and consulting services, utilizing both discretionary and non-discretionary management supported by proprietary research and third-party subadvisors.

Jordan Kessel is a financial advisor with Mass Mutual Investors Services in Amherst, NY, holding a Series 63 designation and 17 years of industry experience. His career includes roles at Metlife Securities and MassMutual Life Insurance Company. Outside of advisory work, he is a notary public and an insurance agent specializing in life, disability, long-term care, and fixed annuities. MassMutual Investors Services, LLC 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 programs, focusing on collaborative, goal-based planning without investment discretion as part of the advisory relationship.

George Boller is a financial advisor with Primerica Advisors, holding a Series 63 designation and bringing 29 years of industry experience. He has been associated with Primerica Financial Services since 1993 and is involved in various business activities including roles with America Legion Post 567 and Fedeson Commercial Heating. Boller also participates in community leadership as a committee chairman. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients. The firm uses third-party asset managers and a tiered wrap fee structure, focusing on curated investment models rather than institutional pension or profit-sharing plan management.

John Penna is a financial advisor at OSAIC with 28 years of industry experience. He holds Series 63 and Series 65 designations and has worked at firms including Cadaret Grant, Blackridge Asset Management, and LPL Financial. In addition to his advisory work, he owns several businesses such as Retirement Analytics, Inc., providing financial planning and insurance services, and CW Virtual Offices, which offers virtual office services. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm employs a range of advisory platforms and tools to construct portfolios across various asset classes, offering both discretionary and non-discretionary account management.

Robert Rosen is a financial advisor at OSAIC with 40 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at Securities America Inc. for 17 years. Outside of his advisory role, Rosen is involved in golf administration, serving as the Regional Affairs Chairman for the United States Golf Association and as president and board member of the Buffalo District Golf Association. He also coaches high school hockey. OSAIC Wealth, Inc. serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services, employing asset-allocation tools and multiple advisory platforms to manage portfolios across various investment types.