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.

Samuel Bronsky is a financial advisor at Cetera with nine years of industry experience and a Series 66 designation. He has worked with Avantax Investment Services and Avantax Advisory Services, and he is a managing partner at Bronsky and Company CPAs, a firm providing tax return preparation and financial statement services. Bronsky is also a partner at Bronsky Wealth Management, a wealth management company affiliated with 1st Global. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management options and access to various third-party money managers.

David Will is a financial advisor with LPL Financial, holding a Series 66 credential and 18 years of industry experience. He previously worked at AXA Advisors, LLC for 11 years before joining LPL Financial in 2020. 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, including financial planning, model portfolio programs, and institutional platforms, supported by extensive advisor tools and a diverse range of non-advisory financial products.

Kenneth Vampotic is a financial advisor at Merrill with Series 63 and Series 66 credentials and one year of industry experience. His prior work includes positions at Bank of America, Pruco Securities LLC, Bank On Buffalo/CNB Bank, and First Niagara/Northwest Bank NA. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

James Kranz is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he has been serving clients since 2010. He specializes in providing personalized financial strategies tailored to clients' individual goals, managing custom investment strategies on a discretionary basis, and selecting from a broad range of Merrill model portfolios and third-party investment options. His expertise spans managing new wealth, personal retirement planning, tax minimization, and retirement income. James holds a Bachelor's degree in Political Science with a specialization in International Relations from the University at Buffalo. He is a specially qualified Senior Portfolio Advisor within the Merrill Investment Advisory Program and maintains Series 7 and Series 66 FINRA registrations. Additionally, James holds the Certified Private Wealth Advisor® designation and the Personal Investment Advisor (PIA) professional designation. Based in Williamsville, New York, James has lived in the Buffalo area his entire life. He is actively involved in his community, serving as a mentor and supporter of the Kenya Project. Outside of his professional responsibilities, he enjoys football, golfing, hiking, and spending time with his family.

Douglas Druzbik is a CFP® professional with 28 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He holds Series 63 and Series 65 licenses. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines research from Wells Fargo Investment Institute with diversification principles and modern portfolio theory to evaluate investment options within its extensive platform.

Christopher Lo Tempio is a financial advisor with Charles Schwab in Amherst, NY, holding a Series 66 designation and 18 years of industry experience. He has been with Charles Schwab since 2013, including six years at Charles Schwab Bank. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary investment guidance and access to discretionary separately managed accounts, combining a multi-asset model portfolio approach with centralized operational and custody services.

Richard Fichter Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He previously worked at Securities America Advisors Inc. and OSAIC, and has been president of Fichter Wealth Management, Inc. since 2006. Outside of his advisory role, he serves as a deacon at the First Baptist Church of West Seneca. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions through a large network of investment adviser representatives. The firm offers a variety of financial planning and asset management solutions, supported by technology tools and a broad range of affiliated financial services.

Nicholas Beckman is a financial advisor with Cetera, holding a Series 63 designation and 11 years of industry experience. He has worked with several firms including Lifetime Wealth Management Group, where he serves as an Investment Executive, and has previously been affiliated with Avantax and Securities America. His experience spans financial planning, estate planning, retirement planning, and investment planning. Cetera Investment Advisers LLC is an SEC-registered advisor with a nationwide network of over 10,000 independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services and operates a multi-manager platform with diverse program options and custodial arrangements.

Thomas Schultz is a financial advisor with LPL Financial, holding a Series 66 designation and 27 years of industry experience. He has worked with Linsco / Private Ledger Corp. since 2000. Outside of his advisory role, he operates an independent fixed insurance business and serves as a notary. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plans, banks, and institutions. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, supporting more than 22,800 advisors and overseeing over $819 billion in discretionary assets.

Adam Burns is a financial advisor with UBS Financial Services in Buffalo, NY, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. He has worked with UBS since 2006 and with Troy and Banks since 2004. Outside of his advisory role, he serves as an independent consultant for a utility auditing company that specializes in identifying and recovering overcharges on utility invoices. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services and provides a wide range of capital markets and advisory solutions.

Kenneth Lenfest is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 15 years of industry experience. He has worked at Wells Fargo Clearing since 2020 and previously spent four years at Citizens Securities Inc. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research and analytics from its Investment Institute alongside third-party data.

Christina Wolfe is a financial advisor with Osaic, holding a Series 66 designation and 24 years of industry experience. She was previously with Securities America Inc. for 14 years before joining Osaic in 2024. Wolfe also serves as Chief Compliance Officer at L&M Group Ltd., where she oversees branch compliance with FINRA regulations. 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 employs a model-based investment approach with various strategies and maintains a complex affiliate network supported by private-equity ownership.

Michele Mundie is a financial advisor at Morgan Stanley with 30 years of industry experience. She has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, UBS Financial Services, and Merrill. Outside of her advisory role, she serves as a notary public in New York and is involved with a nonprofit organization. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer that provides advisory programs and tailored financial planning to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and model-based simulations in its financial planning process.

Samantha Broas is a financial advisor at UBS Financial Services with a Series 66 designation and experience at the firm since 2020. She has a background that includes roles at the University at Buffalo and D'Youville College. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings. The firm provides fee-based financial planning, portfolio management, and a range of capital markets services supported by proprietary research and institutional trading capabilities.

Bernard Unger is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. His prior roles include positions at Sigma Planning Corporation, Pruco Securities, and Prudential Insurance Company of America. He is also involved with Inheritance Planning Group, LLC in connection with his LPL business. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and portfolio management solutions, utilizing both proprietary and third-party models alongside technology tools for operational support.

Jacob Kubala is a financial advisor at Equitable Advisors with one year of industry experience. He holds the Series 66 designation and has a background that includes law enforcement roles with the University at Buffalo Police and Niagara County Correctional Facility. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients by providing financial planning, retirement plan consulting, and a variety of asset management programs. The firm’s approach incorporates personalized risk assessment and matching clients to advisory program models or discretionary managers, utilizing both proprietary and third-party solutions.

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.

Christopher Williams is a CFP®-certified financial advisor with 32 years of industry experience. He is currently with Cetera and has previously worked for Northwestern Mutual in various capacities over a 34-year span. Williams is also involved with Tragically Grateful LLC dba Primacy Financial and CJ Willy LLC. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to various investment strategies and program structures.

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.