John Jesonowski is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has worked with Royal Alliance Associates, Inc. since 2007 and has been involved with several other financial and insurance firms since 2000. Jesonowski offers life insurance and fixed annuities through multiple carriers as part of his client services. OSAIC serves a wide range of retail and institutional clients, providing both brokerage and advisory services across diverse programs including comprehensive financial planning, managed portfolios, and retirement plan consulting. The firm utilizes model-based asset allocation and portfolio optimization supported by various analytical tools and offers access to alternative investments through third-party platforms.

Joseph Piegay is a financial advisor with OSAIC holding Series 66 and Series 63 licenses and five years of industry experience. His prior roles include positions at Equitable Advisors, Strategic Financial Solutions, and the Hertz Corporation. OSAIC Wealth serves a diverse client base that includes retail and institutional investors, offering brokerage and advisory services such as comprehensive financial planning, advisor-managed portfolios, and retirement plan consulting. The firm’s investment approach features model-based asset allocation, portfolio optimization, and multiple investment program options delivered through a complex affiliate network.

Thad Borowiak is a CFP® professional with 15 years of industry experience, currently serving at Edelman Financial Engines. His prior roles include positions at United Capital Financial Advisers, LLC and Girard Securities, Inc. He is a board member of the East Aurora Rotary Club, a nonprofit organization. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm combines committee-driven proprietary modeling with planner delivery and online tools, offering a range of discretionary and non-discretionary investment solutions with an emphasis on diversified portfolios and long-term orientation.

Jennifer York Whitbeck is a financial advisor with Raymond James & Associates in Buffalo, NY, holding Series 63 and Series 66 licenses with 30 years of industry experience. She has been with Raymond James & Associates since 2014. Raymond James & Associates, Inc. is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional and pension plans, and municipal entities, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

Lorraine Carson is a financial advisor with Primerica Advisors in Amherst, NY, holding a Series 63 designation and 10 years of industry experience. Her career includes roles at Primerica Financial Services and PFS Investments Inc., along with prior employment at National Fuel Gas. She is involved with Ken-Ton Meals On Wheels since 2023. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-based strategies and selectively managed accounts. The firm uses third-party asset managers and a wrap-fee structure, focusing on curated model portfolios rather than institutional plan management.

Thomas Healy is a financial advisor at LPL Enterprise with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously with Prudential Insurance Company of America and Pruco Securities, LLC. 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 and offers financial planning, access to third-party asset managers, and an affiliated insurance agency.

Timothy Clouden is a financial advisor with LPL Financial based in Orchard Park, NY. He holds Series 63 and Series 65 licenses and has 18 years of industry experience, including 14 years at M&T Securities prior to joining LPL Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a variety of advisory and brokerage services supported by both proprietary and third-party investment strategies, and maintains a broad platform that includes financial planning and institutional programs.

Guy Porter is a financial advisor at Edward Jones in Lancaster, NY, holding a Series 66 designation with 14 years of industry experience. He has been with Edward Jones since 2011. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Matthew Kapanek is a financial advisor at LPL Financial with 20 years of industry experience. He holds the Series 66 designation and previously worked at Next Financial Group Inc for 18 years before joining LPL Financial in 2025. In addition to his advisory work, he is involved in a non-variable insurance business and operates a DBA related to his LPL activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, delivering advice through a network of investment adviser representatives who use a range of strategies and advisor-facing tools.

David Hirschbine is a financial advisor with LPL Financial based in Hamburg, NY, holding Series 63 and 65 licenses and bringing 18 years of industry experience. He has been affiliated with LPL Financial since 2010 and has worked at Northwest Bank since 2016. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset managers, supported by various technological and operational tools.

Michael Radecke is a financial advisor at Morgan Stanley in Williamsville, NY, holding Series 63 and Series 65 licenses with 39 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he serves on the Finance Committee of the Country Club of Buffalo. Morgan Stanley Wealth Management provides advisory and brokerage services to individual and institutional clients, offering tailored financial planning and a range of investment programs supported by firm-approved planning tools and strategies.

Devin Filippi is a Financial Advisor at Merrill Lynch Wealth Management. In this role, he provides financial planning and investment management services to clients. Details about his specific areas of expertise, professional experience, education, credentials, personal interests, or community involvement were not provided.

Thomas Suchocki is a financial advisor with Primerica Advisors in Cheektowaga, NY, holding a Series 63 designation and 38 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1987. Outside of his advisory role, he is co-owner with his sister of a beach house in Canada. Primerica Advisors provides 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 offers a tiered wrap-fee structure, delegating trading responsibilities to BNY Mellon Advisors.

Katherine Mclernon is a financial advisor with MassMutual Investors Services, holding a Series 63 designation and 35 years of industry experience. She has been with MML Investor Service Inc and MassMutual since 2005. 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 seminars, using firm-approved software for goal analysis and delivering written recommendations through collaborative annual planning engagements.

Benard Verrico is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and one year of industry experience. He has worked with firms including Lawley, LLC and KeyBank. He also provides administrative support for Lawley Retirement Advisors, an independent registered investment advisory firm. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services through a large network of investment adviser representatives, utilizing model portfolios, third-party subadvisors, and customized strategies.

Thomas Giambra is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. His career includes over two decades at M&T Securities and brief tenures at Wilmington Advisors and LPL Financial prior to joining Wells Fargo Clearing. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a diverse range of investment vehicles such as insurance-related products and bank deposit sweep options.

Daniel Lipsitz is a financial advisor with Osaic, holding a Series 63 designation and bringing 22 years of industry experience. He has worked at L&M Financial and Securities America Advisors since 2007. Outside of financial advising, he teaches yoga classes periodically. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services through a multi-advisor platform that emphasizes model-based asset allocation, portfolio optimization, and a variety of managed account programs.

Carol Ward is a financial advisor with Primerica Advisors, holding a Series 63 designation and over 33 years of industry experience. She has been with Primerica Advisors since 1992 and with Primerica Financial Services since 2000. Outside of advising, she is involved in sales of home security and automation products through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

David Meisenzahl is a Financial Advisor with Merrill Lynch Wealth Management. He works directly with clients to develop strategies that address their individual financial goals and priorities. David focuses on areas including employee benefits planning, executive and equity compensation, personal retirement planning, portfolio management, small business strategies, investment strategy, tax minimization, and retirement income. David holds a Bachelor's Degree and a Master of Business Administration (MBA) from the University at Albany. He has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Through Merrill Lynch, he leverages global investing resources as well as the credit, lending, and banking services of Bank of America to support his clients. Outside of his professional work, David enjoys a variety of activities such as hiking, pickleball, reading, scuba diving, skiing, spending time with his family, surfing, swimming, tennis, and traveling.

Michael Di Duro is a financial advisor with Morgan Stanley in Williamsville, NY, holding Series 63 and Series 65 licenses and having 24 years of industry experience. He has been with Morgan Stanley and its affiliated Private Bank since 2009. Outside of his advisory role, he serves on the finance committee of St. Mary’s Church in Swormville, NY, where he reviews financial reports and budget activities. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutions. The firm provides tailored financial planning services supported by structured discovery processes and firm-approved planning tools.