Lisa Monpere Cruz is a financial advisor with Primerica Advisors in Amherst, NY, holding a Series 63 designation and 14 years of industry experience. She has worked with PFS Investments Inc. since 2012 and has been involved in entrepreneurial ventures including executive pen sales and internet affiliate marketing. Cruz has also served on the faculty at the University at Buffalo since 1986. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which provides model-delivery strategies and a limited selection of separately managed accounts for individual and high-net-worth clients. The firm curates third-party asset managers and uses a wrap-fee structure with various investment models implemented through BNY Mellon Advisors.

Daniel Ghirsig is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. He has been associated with Cetera and its related entities since 2020 and is a partner at Johnson and Ghirsig Financial Group, where he provides wealth advisory services. He is also an insurance agent selling life and annuities. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a nationwide network of over 10,000 independent advisors, serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a variety of portfolio management options, including discretionary and non-discretionary services, and manages more than $256 billion in assets.

Gavin Faulkner is a financial advisor at J.P. Morgan Securities with three years of industry experience and holds a Series 66 designation. His previous experience includes roles at Prudential/Pruco and JPMorgan Chase Bank, N.A. Outside of his advisory work, he serves on the parish council of St. Peter and Paul's OCA in Orchard Park, NY. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting through a non-discretionary program.

Colin Lucey is a financial advisor at Equitable Advisors with four years of industry experience. He holds the Series 66 designation and previously worked in the automotive sales sector at Riverfront Auto Sales and Buffalo Auto Group. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm utilizes a range of advisory models and third-party managers, covering mutual funds, ETFs, separately managed accounts, and select alternative investments.

Louis Nuchereno is a financial advisor with Equitable Advisors in Williamsville, NY, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with Equitable Advisors and its predecessor AXA Advisors since 1999. Outside of his advisory work, he serves on the boards of the Greater Buffalo Sports Hall of Fame, Amherst Police Foundation, and Signal 30 Benefit Fund, all nonprofit organizations focused on community and charitable activities. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension plans, corporations, and charitable organizations. The firm employs a variety of advisory programs and third-party asset managers to deliver customized investment solutions.

Kyle Lucey is a financial advisor with Equitable Advisors in Williamsville, NY, holding Series 63 and Series 65 licenses and 13 years of industry experience. He has worked with Equitable Advisors since 2013, including the firm’s prior affiliation as AxA Advisors. Outside of his advisory role, Lucey serves as a parish trustee at St. Gregory the Great Roman Catholic Parish. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension plans, corporations, and charitable organizations. The firm emphasizes matching clients to program models or discretionary managers, often utilizing third-party advisory platforms and offering a broad range of investment options.

Justin Wild is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and two years of industry experience. He has worked at Avantax Advisory Services and currently manages accounting and tax services as the owner and president of J. Wild, CPA, P.C. Cetera Investment Advisers LLC serves a broad client base including individual, corporate, charitable, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to both affiliated and third-party managers.

Terrence Sprow is a financial advisor with Mass Mutual Investors Services in Amherst, NY, holding a Series 63 designation and bringing 40 years of industry experience. His career includes positions at Metlife Securities Inc. and New England Securities. MML Investors Services, LLC, a subsidiary of MassMutual, provides ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers, utilizing firm-approved software and annual collaborative planning relationships.

Taylor Jordan is Vice President and Financial Consultant at Fidelity Investments, where they have held several roles since 2015. In their current position since 2025, Taylor works with clients to develop holistic and comprehensive financial plans, aiming to understand client goals, identify needs, and help make sound decisions for family wealth. Taylor's experience at Fidelity Investments includes positions as Financial Consultant, Investment Consultant, Relationship Manager, Central Relationship Manager, Investment Solutions Representative, and Financial Representative. They hold a CA Insurance License. Outside of their professional work, Taylor's personal interests include baseball, fitness, football, golf, music, and pets.

Alexander Bencini is a Series 66-registered financial advisor with LPL Financial, based in Williamsville, NY, and has 10 years of industry experience. He previously worked at Wells Fargo Advisors Financial Advisors, LLC from 2016 to 2020. His activities include operating under the DBA names Russell Private Wealth Management and Russell Wealth Management, Inc., both associated with his LPL business. 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 financial planning, model portfolio programs, third-party asset management access, and institutional platforms, supporting a range of investment strategies implemented by its network of advisors.

Steven Yeh is a financial advisor with Cambridge Investment Research Advisors, Inc. He holds Series 63 and Series 65 licenses and has 34 years of industry experience. His prior work includes roles at INVEST Financial Corp and Ic Advisory Services Inc. Yeh is also an attorney providing tax services and serves as a board member of the American Education Foundation. Cambridge Investment Research Advisors serves a diverse client base, including individuals, pension plans, and charitable organizations, offering financial planning, investment management, and retirement-plan advisory services. The firm manages a multi-billion dollar asset base and provides access to multiple platforms, third-party advisers, and proprietary model strategies.

Ryan Geary is a financial advisor with Equitable Advisors in Williamsville, NY, holding Series 63 and Series 66 credentials and nine years of industry experience. He has worked at Equitable Advisors since 2017 and was previously employed by Axa Advisors, LLC from 2017 to 2020. Prior to his financial services career, he was involved in landscaping services for three years. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset-management programs through a network of Investment Adviser Representatives, utilizing both proprietary and third-party investment solutions.

Michael Bergum is currently Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2024. He has been with Fidelity since 2020, initially serving as a Financial Consultant. Prior to joining Fidelity, Michael held positions as a Wealth Management Advisor at TIAA from 2015 to 2020 and as a Financial Advisor at Key Investment Services from 2012 to 2015. He began his financial advisory career at HSBC Securities from 2007 to 2012 and previously worked as a Premier Client Manager at Bank of America between 2002 and 2007. Michael's professional focus is on helping clients in Western New York develop sound financial plans through a flexible planning process. He aims to build long-lasting, multi-generational relationships with clients, assisting them in navigating significant life events and challenges with confidence.

Laura Hall is a financial advisor at Morgan Stanley with 21 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients, providing a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and methodologies.

William Kuch is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been with Merrill since 1988, providing customized service support to clients as well as internal services to the advisor team. William holds the Personal Investment Advisor (PIA) designation. He earned his High School Diploma from Southbridge High School. Throughout his career, he has contributed to helping clients manage their investments to support their retirement goals.

Joseph Porto is a financial advisor at OSAIC with 36 years of industry experience. He holds the Series 63 designation and has worked at OSAIC since 2018. Prior to that, he was affiliated with Signator Investors, Inc. and John Hancock Mutual Life Insurance Co. for 28 years. He is a volunteer board member of Aspire, a nonprofit organization supporting disabled children and adults. OSAIC serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, managed portfolios, and retirement plan consulting. The firm emphasizes model-based asset allocation and portfolio optimization and is notable for its scale, affiliate network, and private-equity ownership.

Jack Reich is a financial advisor at Equitable Advisors with 20 years of industry experience. He holds Series 63, Series 65, and Series 66 designations. Reich has been with Equitable Advisors and its predecessor, Axa Advisors, LLC, since 2005. Equitable Advisors serves a diverse client base that includes individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives, utilizing both proprietary and third-party investment solutions.

Jonathan Roller is a financial advisor with Cetera in Buffalo, NY, holding a Series 66 designation and seven years of industry experience. He has worked at Avantax and affiliates since 2018 and has been with Cetera and Lifetime Wealth Management, an affiliate of Lumsden McCormick, since 2025. Roller serves as a board member for the Royal Beach Club homeowners association in Fort Myers Beach, FL. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with various portfolio management and financial planning services, managing over $256 billion in assets through more than 10,000 advisors.

Robert Cohen is a CFP® with 29 years of industry experience, currently with OSAIC since 2024. He previously spent 18 years at American Portfolios and has been COO of W.J. Cox Associates, Inc. since 1996. Outside of advising, Cohen is co-owner of a tennis club and serves as a part-time teacher. 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 emphasizes model-based asset allocation and portfolio optimization, supporting advisors with a range of discretionary and third-party manager options.

Ronald Viavada is a Senior Financial Advisor at Merrill Lynch Wealth Management. He provides goals-based wealth management services to affluent families, accomplished professionals, and successful business owners. Ronald focuses on delivering customized advice and a disciplined approach to investing, supporting clients in areas such as family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, and retirement income. He holds a Bachelor's Degree from SUNY Brockport and has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Ronald also participates in professional organizations such as the Dayton Pheasant Farmers Preserve, Southtowns Walleye Association, and St. Bonaventure University Men's Lacrosse. Outside of his professional role, Ronald engages in activities like boating, fishing, football, gardening, hunting, running, and running marathons. He values building long-lasting relationships and contributes to his community through volunteering efforts.