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 with Equitable Advisors, holding a Series 66 designation and four years of industry experience. His prior work includes roles at Riverfront Auto Sales and Buffalo Auto Group. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through LPL programs and third-party asset managers. The firm uses a hybrid referral and implementation model, offering both advisory and brokerage channels to deliver tailored financial solutions.

Louis Nuchereno is a financial advisor with Equitable Advisors in Williamsville, NY, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has worked with Equitable Advisors since 1999, including its predecessor AXA Advisors. Outside of his advisory role, he serves on the boards of the Greater Buffalo Sports Hall of Fame, the Amherst Police Foundation, and the Signal 30 Benefit Fund, all nonprofit organizations focused on community support and charitable fundraising. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model, offering both advisory and brokerage/insurance services tailored through a client intake process that documents goals, risk tolerance, and time horizon.

Sally McMahon is a financial advisor at Merrill with 27 years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2001, concurrently serving at Bank of America, N.A. since 2014. Merrill provides managed account services through the Select Portfolio Solutions program, serving a broad client base including individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm’s investment approach combines model-based and discretionary strategies implemented by affiliated managers, integrated within Bank of America’s corporate platform offering a wide range of financial services.

Kyle Lucey is a financial advisor with Equitable Advisors in Williamsville, NY, holding Series 63 and Series 65 credentials and having 12 years of industry experience. He has been with Equitable Advisors since 2013 and previously worked at AxA Advisors. Outside of his advisory role, he serves as a Parish Trustee at St. Gregory the Great Roman Catholic Parish. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations, providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model, offering both advisory and brokerage/insurance services tailored through a client intake process.

Justin Wild is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and two years of industry experience. He has worked at Avantax Advisory Services and currently manages accounting and tax services as the owner and president of J. Wild, CPA, P.C. Cetera Investment Advisers LLC serves a broad client base including individual, corporate, charitable, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to both affiliated and third-party managers.

Terrence Sprow is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and 39 years of industry experience. He has worked at New England Securities since 1990 and was employed at MetLife Securities Inc. from 2015 to 2017 before joining Mass Mutual Investors Services in 2017. Mass Mutual Investors Services is an SEC-registered investment adviser and broker-dealer serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, emphasizing structured, annual planning engagements using firm-approved analytical tools.

Taylor Jordan is Vice President and Financial Consultant at Fidelity Investments, where they have held several roles since 2015. In their current position since 2025, Taylor works with clients to develop holistic and comprehensive financial plans, aiming to understand client goals, identify needs, and help make sound decisions for family wealth. Taylor's experience at Fidelity Investments includes positions as Financial Consultant, Investment Consultant, Relationship Manager, Central Relationship Manager, Investment Solutions Representative, and Financial Representative. They hold a CA Insurance License. Outside of their professional work, Taylor's personal interests include baseball, fitness, football, golf, music, and pets.

Alexander Bencini is a financial advisor at LPL Financial with 10 years of industry experience. He holds the Series 66 designation and previously worked at Wells Fargo Advisors Financial Advisors, LLC for four years. He operates under the DBA Russell Private Wealth Management and Russell Wealth Management, Inc., both related to his LPL business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs, retirement plan consulting, and brokerage services through a national network of investment adviser representatives.

Steven Yeh is a financial advisor at Cambridge Investment Research Advisors with 34 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Ic Advisory Services Inc, The Investment Center Inc, and INVEST Financial Corp. Outside of his advisory role, he serves as a board member of the American Education Foundation and operates a tax services business. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm provides financial planning, investment management, and retirement advisory services through independent professionals, offering a range of portfolio management options and proprietary as well as third-party investment strategies.

Ryan Geary is a financial advisor with Equitable Advisors in Williamsville, NY, holding Series 63 and Series 66 licenses and eight years of industry experience. He has been with Equitable Advisors since 2017 and previously worked at Axa Advisors, LLC. Before entering the financial industry, he was involved in landscaping services for three years. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm uses a hybrid referral and implementation model and offers both advisory and brokerage channels to implement client recommendations.

Michael Bergum is currently Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2024. He has been with Fidelity since 2020, initially serving as a Financial Consultant. Prior to joining Fidelity, Michael held positions as a Wealth Management Advisor at TIAA from 2015 to 2020 and as a Financial Advisor at Key Investment Services from 2012 to 2015. He began his financial advisory career at HSBC Securities from 2007 to 2012 and previously worked as a Premier Client Manager at Bank of America between 2002 and 2007. Michael's professional focus is on helping clients in Western New York develop sound financial plans through a flexible planning process. He aims to build long-lasting, multi-generational relationships with clients, assisting them in navigating significant life events and challenges with confidence.

Boyd Wible is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been with the firm since 1993 and currently operates with a team of eight individuals based in Buffalo, New York. Boyd applies an active investment philosophy, developing customized stock and bond portfolios aligned with clients’ risk tolerance. He specializes in areas including family wealth management strategies, legacy and philanthropic planning, retirement income, tax minimization, and socially responsible investing, among others. Boyd holds the CERTIFIED FINANCIAL PLANNER™ designation and the Personal Investment Advisor credential. He earned a bachelor's degree in engineering and management from Clarkson University. Boyd resides in Springville, New York. Outside of his professional work, he has interests in camping, ice hockey, music, skiing, and traveling. He is also affiliated with The Children's League.

Laura Hall is a financial advisor at Morgan Stanley with 21 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients, providing a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and methodologies.

William Kuch is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been with Merrill since 1988, providing customized service support to clients as well as internal services to the advisor team. William holds the Personal Investment Advisor (PIA) designation. He earned his High School Diploma from Southbridge High School. Throughout his career, he has contributed to helping clients manage their investments to support their retirement goals.

Joseph Porto is a financial advisor with OSAIC, holding a Series 63 designation and 36 years of industry experience. He previously worked at Signator Investors, Inc. and John Hancock Mutual Life Insurance Co., each for 28 years. Porto serves as a volunteer board member for Aspire, a nonprofit organization supporting disabled children and adults. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage, investment advisory services, and various portfolio management solutions. The firm employs asset-allocation tools and automated rebalancing in constructing portfolios that may include diverse investment vehicles, managing accounts on both discretionary and non-discretionary bases.

Jack Reich is a financial advisor with Equitable Advisors in Williamsville, NY, holding Series 63, 65, and 66 licenses and bringing 19 years of industry experience. He has been with Equitable Advisors since 2005, including its predecessor Axa Advisors. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and various third-party asset managers. The firm operates a hybrid referral and implementation model, combining advisory and brokerage channels to tailor services based on client goals, risk tolerance, and time horizon.