Stephen O'Donnell is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and possessing 41 years of industry experience. He previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of his advisory role, he serves as a baseball umpire with the Niagara Falls Umpire Association. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients, including individual and high-net-worth investors, retirement plans, and corporate and charitable entities. The firm utilizes model-driven investment implementation and offers access to third-party asset managers, financial planning, and various affiliated financial services.

Kenneth Weinstein is a CFP® with 32 years of industry experience, currently affiliated with Cetera. His prior experience includes long tenures at Avantax Insurance Agency, Avantax Advisory Services, and Mony Securities Corporation. Outside of his advisory role, he owns and operates a CPA firm specializing in tax preparation and financial advice, and he runs a business selling seat covers for classic cars. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, retirement plans, and institutional accounts. The firm offers diverse portfolio management and financial planning services through a multi-manager platform with access to various investment strategies and third-party money managers.

Joshua Pereira is a Senior Financial Advisor with Merrill Lynch Wealth Management. Since beginning his career in August 2000, he has focused on creating strategies and providing advice tailored to individuals, families, and businesses, with an emphasis on understanding their short- and long-term financial goals. He holds the Personal Investment Advisor (PIA) designation and earned a bachelor's degree in Business Administration from Saint Bonaventure University. Joshua prioritizes client satisfaction and applies disciplined strategies to assist clients in achieving their financial objectives. He lives in Lakeview, NY with his wife, Meghan, and their two daughters.

Blair Leiker is a Planning Consultant at Fidelity Investments, where they work collaboratively with clients and Financial Consultants to develop comprehensive financial plans tailored to clients' current goals and aspirations. Their role focuses on helping clients work towards achieving a successful financial future. Blair has been with Fidelity Investments since 2017, holding various positions including Relationship Manager from 2021 to 2023, 529 College Planning Service and Help Desk from 2018 to 2021, and Customer Relationship Advocate from 2017 to 2018. This progression reflects experience in client relationship management and financial planning support services.

Joseph Andrade is a financial advisor with Primerica Advisors in Amherst, NY, holding a Series 63 designation and 25 years of industry experience. His career includes roles at Crossmark and longstanding positions at PFS Investments Inc. and Primerica Financial Services. Outside of advisory work, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and employs a tiered wrap-fee structure for its services.

Justin Reich is a financial advisor with Equitable Advisors in Williamsville, NY, holding a Series 66 designation and three years of industry experience. Prior to joining Equitable Advisors, he worked for nine years at Northtown Automotive Group and spent two years at Fred Beans, with an additional year at Colonial Motors. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension plans, corporations, charitable organizations, and other institutional clients. The firm’s approach includes assessing client risk tolerance and matching them with program models or discretionary managers, utilizing both proprietary and third-party solutions.

Donald Kohnstamm is a financial advisor at Cetera with 58 years of industry experience. He holds a Series 63 designation and has worked at Cetera Wealth Services since 2013, with prior experience dating back to 1973 at Desmon & Kohnstamm Inc. He serves as president and owner of Desmon & Kohnstamm, Inc., an insurance-related business, and is a board member and governance committee member of the Foundation for Jewish Philanthropies. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. It offers a multi-manager platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Devon Tobler is a financial advisor at LPL Enterprise with a Series 66 designation and less than one year of industry experience. His prior roles include positions at M&T Bank and Target Corporation. Tobler also worked at Dash's Market for eight years. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, corporate, and charitable entities through its network of investment adviser representatives. The firm primarily uses model-driven investment implementation and offers access to third-party asset managers, financial planning, and related services.

Michael Gnacinski is a financial advisor with Mass Mutual Investors Services in Amherst, NY, holding a Series 63 designation and 27 years of industry experience. He has been with Mass Mutual Investors Services since 2017 and also has longstanding tenures with Massachusetts Mutual Life Insurance Company and Metlife Securities Inc. since 1999. Mass Mutual 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 provides ongoing financial planning, asset management, and educational seminars, structuring planning engagements as collaborative annual relationships using analytical tools to guide investment strategies.

John Ahrens is a financial advisor with Mass Mutual Investors Services who holds a Series 63 designation and has 38 years of industry experience. He has been associated with MML Investors Services, Inc. since 1987 and Massachusetts Mutual Life Insurance Company since 1986. Outside of his advisory role, Ahrens is president and part owner of Buflife Agency Inc., a life and health insurance agency. MML Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements using firm-approved analytical tools, with optional implementation of recommendations through separate brokerage or insurance arrangements.

Kenneth Sendlak is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and 26 years of industry experience. He has worked at MassMutual Life Insurance Company since 2016 and was previously with Metlife Securities, Inc. from 2007 to 2017. Outside of his advisory role, he is a representative and producer for Specific Solutions, focusing on fixed annuities. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm emphasizes collaborative, goal-based planning supported by firm-approved software tools and offers specialized services including divorce planning and estate settlement.

Joshua Rohrer is a financial advisor with Raymond James Financial in Buffalo, NY, holding a Series 66 designation and bringing two years of industry experience. Prior to joining Raymond James, he spent over a decade at NCH Corporation / Certified Labs. He also works as an associate at Accreux Wealth Management, focusing on client relationship management. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, pension plans, corporations, and institutional investors. The firm employs tailored, non-discretionary planning approaches using risk profiling and modeling tools and offers specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Michael Rea is a financial advisor with Equitable Advisors in Williamsville, NY, holding a Series 66 designation and 19 years of industry experience. He has been with Equitable Advisors since 2007, including its predecessor entity Axa Advisors. Equitable Advisors serves a broad client base including individual investors, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm offers financial planning, retirement plan consulting, and various asset management programs, utilizing both proprietary and third-party advisory models and emphasizing risk assessment and tailored investment solutions.

Erin Harrington is a financial advisor at Equitable Advisors with a Series 66 designation and four years of industry experience. Prior to joining Equitable Advisors in 2022, she worked at M&T Bank and held various roles including statistician for Daemen College Athletics, where she has served since 2019. Equitable Advisors serves individual investors, pension and profit-sharing plans, corporations, and charitable organizations with financial planning and asset management services. The firm utilizes a range of investment programs and third-party asset managers to tailor solutions based on client risk tolerance and goals.

Shane Federko is a financial advisor at LPL Enterprise holding a Series 66 designation with one year of industry experience. His prior roles include positions at PRUCO Securities, Summit Wealth Management, and MoonBrook Country Club, as well as work in educational institutions such as SUNY Fredonia, Jamestown Community College, and Jamestown Public Schools. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach utilizing portfolios developed by LPL’s Research Department and third-party strategists, and offers financial planning, access to third-party asset managers, and various affiliated services.

Jonathan Fichter is a CFP® with 11 years of industry experience and is currently affiliated with OSAIC. He has worked at Fichter Wealth Management and Securities America, Inc. Prior to joining OSAIC, he spent significant time at Fichter Wealth Management. OSAIC serves a broad range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and investment advisory services through a large network of advisers, employing tools such as asset-allocation models, risk-tolerance questionnaires, and automated rebalancing to construct diversified portfolios.

Avery Cywinski is a financial advisor at Mass Mutual Investors Services with a Series 66 designation and one year of industry experience. Prior to joining the firm, Avery worked at BankonBuffalo and has experience in both financial services and hospitality. Mass Mutual Investors Services 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 seminars with a collaborative, client-focused approach.

Kyle Kazinski is a financial advisor with Wells Fargo Advisors in Buffalo, NY, holding a Series 66 designation and 11 years of industry experience. He has been with Wells Fargo Advisors since 2013. Outside of his work at the firm, he has an ownership interest in PKK Wealth Management LLC, where he dedicates part of his time. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services tailored to clients who meet certain net-worth thresholds, with recommendations supported by Wells Fargo research and planning tools.

Scott Miranto is a Certified Financial Planner (CFP®) and Chartered Financial Consultant (ChFC®) with 12 years of experience in the financial services industry. He has been with Ameriprise since 2013, currently serving as a financial advisor in Amherst, NY. Outside of his advisory role, he works as a shot clock operator for college basketball games at Daemen College. Ameriprise Financial Services is a large, diversified firm that serves both individual and institutional clients, offering specialized retirement income planning focused on dependable income sources and tax-aware withdrawal strategies. The firm’s approach integrates proprietary research and third-party data to provide tailored advice within a defined investment universe.

Kevin Malaney is a CFP®-designated financial advisor with 15 years of industry experience, currently associated with Morgan Stanley in Williamsville, NY. He has been with Morgan Stanley Smith Barney since 2010 and the Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning and estate planning, and manages approximately $2.74 trillion in client assets.