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.

Mario Camillo is a financial advisor with LPL Financial in Elma, NY, holding Series 63 and Series 66 licenses. He has 29 years of industry experience, including 10 years at INVEST Financial Corporation before joining LPL Financial in 2018. Outside of his advisory role, he is involved with The Specific Solutions Group, a non-variable insurance business. 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 wide range of advisory programs and services, including financial planning, retirement consulting, and access to model portfolios and research from various sources.

John Grad is a financial advisor at Ameriprise with 45 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers a retirement-income planning service tailored to individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide written recommendation reports. The firm serves a large client base through a centralized consulting team and emphasizes the use of proprietary products and algorithmic tools in its retirement planning approach.

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 with Raymond James & Associates, holding a Series 66 designation and eight years of industry experience. Her prior roles include positions at UBS Financial Services, Thomas Financial Group, and Fitlife Foods. She also worked at the University of Tampa from 2013 to 2017. Raymond James & Associates, Inc. is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $500.956 billion in assets. The firm provides wealth advisory planning and investment consulting to a broad client base, including high-net-worth individuals and institutional clients, delivering non-discretionary financial planning and investment recommendations supported by an extensive affiliate network and active involvement in municipal and public finance.

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.

Lawrence Kavanaugh Jr. is a financial advisor with LPL Financial in West Seneca, NY, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 44 years of industry experience and has been with LPL Financial for 15 years. Outside of his advisory role, he is involved with Consumer's Beverages, Inc., a closely held business in Buffalo, NY. 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 financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and model portfolios from LPL and third-party providers.

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 at OSAIC with 43 years of industry experience. He holds a Series 63 designation and has worked previously at Securities America Advisors and Investacorp Advisory Services. In addition to advisory services, he is a licensed insurance agent in New York, offering long-term care insurance, life products, term insurance, and annuities. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisers and multiple advisory platforms. The firm combines brokerage and investment advisory services with financial planning, retirement consulting, and managed account solutions, utilizing firm-provided tools and third-party platforms to construct diversified portfolios.

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 CFP® professional with 39 years of experience in the financial services industry. He is currently with Raymond James & Associates, where he has worked since 2021. Prior to that, he held roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. Raymond James & Associates offers financial planning and investment consulting to a diverse client base, including individuals, retirement plans, corporate and charitable entities, and government clients. The firm provides tailored financial plans and asset-allocation analyses, with a focus that includes public finance and municipal work alongside its retail advisory services.

David Burgio Jr. is a financial advisor at Raymond James Financial with three years of industry experience. He holds the Series 66 designation and previously worked at Commonwealth Financial Network. Outside of his advisory role, he is also licensed as an insurance agent, assessing clients' insurance needs. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutions. The firm emphasizes non-discretionary financial planning and investment consulting, utilizing firm research and asset-allocation analysis to tailor recommendations.

Kevin Mahoney is a CFP® professional with 47 years of industry experience, currently affiliated with LPL Financial. He has worked with Cadaret, Grant & Co., Inc. for over 16 years and leads Mahoney Financial Group, Inc. Additionally, he is involved in investment research through SC Parker LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients, including individuals, retirement plans, institutions, and charitable organizations, offering a variety of advisory programs and financial planning services supported by in-house and third-party research.