William Lunney Jr. is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 designations and possessing 45 years of industry experience. He has been with Equitable Advisors since 1999 and previously worked with Axa Advisors, LLC. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and various asset-management programs. The firm utilizes a range of advisory models often implemented through third-party managers and offers ERISA fiduciary services to qualified plans.

James Madan is a financial advisor with LPL Financial in Buffalo, NY, holding Series 65 and Series 63 credentials and possessing 16 years of industry experience. He has been affiliated with both Northwest Bank and LPL Financial 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 offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms such as the Bank Wealth Program.

Christopher Chiles is a financial advisor at OSAIC with three years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Pruco Securities LLC and Five Star Bank. In addition to his advisory role, he works part-time as a tax preparer with Jackson Hewitt. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisers and multiple platforms. The firm offers integrated brokerage and advisory services, financial planning, and access to third-party managers, employing asset-allocation tools and automated rebalancing to construct diversified portfolios.

Michael Borowiak Jr. is a Series 66-registered financial advisor with Cambridge Investment Research Advisors and has two years of industry experience. His prior experience includes roles at Guardian Life Insurance Company and several other financial services and corporate firms. Outside of his advisory work, he is involved in coaching and refereeing hockey. Cambridge Investment Research Advisors serves a diverse client base, including individuals, retirement plans, and charitable organizations, offering financial planning, investment management, and retirement plan advisory services through a large network of independent Financial Professionals. The firm provides multiple investment implementation strategies and maintains both proprietary and third-party model portfolios.

Cody Blasko is a CFP® professional with four years of industry experience, currently affiliated with OSAIC since 2024. He previously worked at Securities America Advisors and Securities America, Inc., and spent six years with Brothers of Mercy. Blasko holds a life insurance license in New York and is also employed by L&M Group Ltd. OSAIC Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of advisers, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm utilizes asset-allocation tools and automated portfolio management, serving clients with both discretionary and non-discretionary account options.

John Hornung is a financial advisor with Ameriprise in Buffalo, NY, holding a Series 63 designation and 27 years of industry experience. He has been with Ameriprise and its related entities since 2005. Outside of his advisory work, he serves as president of the Hertel North Park Youth Little League and holds board positions in local community organizations. Ameriprise offers retirement-income planning services primarily for individuals with substantial investable assets, combining research and modeling with tax-efficient withdrawal strategies. The firm provides a broad range of advisory, brokerage, and insurance solutions through its institutional platform.

John Ariola is a financial advisor at Cetera with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with firms including Lincoln Financial Advisors and Avantax Advisory Services. Ariola is the owner of BearingStone Wealth, Inc., a financial services and business valuation firm. Cetera Investment Advisers LLC is a nationwide independent advisory platform serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services, utilizing multiple program structures and third-party managers.

Evan Baskin Evans is a financial advisor with LPL Financial, holding a Series 63 designation and possessing 12 years of industry experience. His prior experience includes roles at SC Parker LLC, Cadaret, Grant & Co., Inc., and S. C. Parker & Co., Inc. He is associated with SC Parker LLC in a registered representative capacity. 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 portfolios, third-party asset management, and institutional platforms, supported by technology and a large network of investment adviser representatives.

Kenneth Hawley II is a financial advisor at OSAIC with eight years of industry experience. He holds a Series 66 designation and previously worked at American Portfolios Financial Services, Inc. for six years and the Lancaster Central School District for fifteen years. Outside of his advisory role, he is involved as an independent insurance agent, selling life insurance policies and fixed annuities. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and investment advisory services through a large network of advisers using various asset-allocation tools and third-party platforms.

Michael Juszczak is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. He has three years of industry experience and has worked at MML Investors Services, LLC and MassMutual Life Insurance Co. He is also the owner of Juzy LLC, which operates a retail business selling custom dye sublimated soccer jerseys, and he prepares personal tax returns through Juszczak Tax. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing, collaborative financial planning engagements using firm-approved analytical tools and offers various investment programs and educational seminars.

Kenneth Wohlberg is a financial advisor with LPL Enterprise, holding the CFP® and ChFC® designations and over 45 years of industry experience. His career includes 44 years at Principal Securities Inc. and 15 years at Principal Life Insurance Company. Outside of advising, he manages a non-variable insurance agency. LPL Enterprise provides investment advisory and brokerage services to individual and institutional clients, including high-net-worth investors and retirement plans. The firm employs a model-driven approach to investment implementation and offers access to third-party asset managers, insurance products, and affiliated trust custody and lending services.

Carin Frederick is a financial advisor at Raymond James & Associates with 28 years of industry experience. She holds the Series 63 and Series 65 credentials and has been with Raymond James since 2015. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a wide range of clients including individuals, institutional investors, charitable organizations, and government entities, offering financial planning, investment consulting, and institutional fiduciary services through a variety of portfolio management styles and affiliated research.

Jason Berghold is a financial advisor with Cetera, holding a Series 63 designation and 15 years of industry experience. He has worked at several Cetera entities since 2019 and previously held roles at Foresters Financial Services, Evans Bank, and Key Investment Services. Outside of his advisory work, he volunteers as a high school football coach at Depew High School. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of investment program options, including discretionary and non-discretionary portfolio management, and oversees over $256 billion in assets across more than 10,000 advisors.

Katie Schichtel is a financial advisor at Merrill with a Series 66 designation and 12 years of industry experience. Prior to her current role, she worked at Springville Country Club Inc. for three years. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies to a range of clients including individuals and institutional investors.

Kay Czechowski is a financial advisor with Primerica Advisors, holding a Series 63 designation and over 31 years of industry experience. She has worked at Primerica Advisors and Primerica Financial Services since 1994 and has prior experience with Nbl/Pfsu and Maintenance & Management Associates, Inc. In addition to advisory services, she is involved in sales of loan products and home-related services referrals 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 uses third-party asset managers and offers a tiered wrap-fee structure with ongoing oversight of its investment models.

David Piscitello is a financial advisor with Mass Mutual Investors Services who holds a Series 63 designation and has 33 years of industry experience. He has worked with MML Investor Service Inc and MassMutual since 2005. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm structures financial planning as annual collaborative engagements using firm-approved software to analyze client goals and deliver written recommendations.

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 two years of industry experience. He holds a Series 66 designation and previously worked at Prudential/Pruco for two years. Outside of his advisory role, he serves on the parish council of St. Peter and Paul's OCA and has experience in the hospitality industry. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, manager searches, and customized performance reporting through a quantitative and ESG-focused approach.

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.