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.

Jonathan Roller is a financial advisor with Cetera in Buffalo, NY, holding a Series 66 designation and seven years of industry experience. He has worked at Avantax and affiliates since 2018 and has been with Cetera and Lifetime Wealth Management, an affiliate of Lumsden McCormick, since 2025. Roller serves as a board member for the Royal Beach Club homeowners association in Fort Myers Beach, FL. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with various portfolio management and financial planning services, managing over $256 billion in assets through more than 10,000 advisors.

A. Schaefer is a financial advisor at Cetera with 21 years of industry experience and holds a Series 63 designation. He has been with Cetera and its affiliate since 2013. Outside of his advisory role, Schaefer serves as president and general manager of Bob-O-Link Golf Club and is a board member of Orchard Park Country Club, a nonprofit organization. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform that allows customized investment strategies across various program structures.

Robert Cohen is a CFP® with 29 years of industry experience, currently affiliated with OSAIC since 2024. He has held prior positions at American Portfolios for 18 years and serves as COO of W.J. Cox Associates, Inc., where he has worked for 30 years. Outside of advisory roles, he is co-owner of Miller Tennis, a tennis club in Williamsville, NY, and also teaches part-time. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a broad network of affiliated advisers and multiple advisory platforms. The firm employs a variety of asset allocation tools and offers integrated brokerage, investment advisory services, and access to third-party money managers.

Christopher Urban is a financial advisor with LPL Financial, holding a Series 66 designation and 15 years of industry experience. His previous roles include positions at WNY Asset Management, Cadaret, Grant & Co., Inc., and AxA Advisors. Outside of advisory work, he is an insurance agent, tax preparer, and notary public. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, institutions, and charitable organizations. The firm provides financial planning, advisory programs, retirement consulting, and brokerage services, offering both discretionary and non-discretionary portfolio management supported by proprietary and third-party research.

Ronald Viavada is a Senior Financial Advisor at Merrill Lynch Wealth Management, specializing in goals-based wealth management for affluent families, accomplished professionals, and successful business owners. He collaborates with a team of specialists to provide customized advice, exceptional service, and a disciplined approach to investing. His client focus areas include family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, and retirement income. Ronald holds a Bachelor's Degree from SUNY Brockport and holds several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He actively participates in professional organizations such as the Dayton Pheasant Farmers Preserve, Southtowns Walleye Association, and St. Bonaventure University Men's Lacrosse. Outside of his professional role, Ronald engages in various personal interests such as boating, fishing, football, gardening, hunting, running, and running marathons. He values understanding clients' life priorities and aims to create personalized financial plans designed around individual goals and aspirations. Ronald also dedicates time to community involvement through volunteering with local organizations.

Anthony Burgio is a financial advisor with OSAIC in Williamsville, NY, holding Series 63 and Series 65 licenses and possessing 16 years of industry experience. He previously worked at Sii from 2010 to 2018 before joining OSAIC in 2018. Outside of his advisory role, he is a senior partner at Northeastern Financial Partners LLC. OSAIC serves a broad client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations, providing integrated brokerage and investment advisory services through a large network of affiliated advisers and multiple platforms. The firm uses a variety of asset-allocation tools and supports both discretionary and non-discretionary portfolio management.

Eric Walters is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 40 years of industry experience. He has worked with EMS Financial Services and Cadaret, Grant & Co., Inc., and has longstanding engagements with EMS Group - McMahon. Outside of advising, he is involved with the McMahon Agency in property and casualty insurance and participates in the Empire Safety Council. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, financial planning, and retirement consulting services. The firm offers both discretionary and non-discretionary management, supported by proprietary and third-party research, and provides access to diversified and alternative investment strategies.

Jesse Lalka is a financial advisor at OSAIC with a Series 66 designation and one year of industry experience. Prior to entering the financial services field, he worked in the food service and sports management sectors. OSAIC serves a broad mix of retail and institutional clients, offering integrated brokerage and investment advisory services through a large network of affiliated advisers and multiple advisory platforms. The firm employs various asset-allocation tools and third-party solutions to construct diversified portfolios tailored to client needs.

Jason Gentner is a financial advisor with Osaic Wealth, Inc., holding a Series 63 designation and 24 years of industry experience. His previous roles include 17 years at Securities America Advisors, Inc. He is also a part-owner and investor in Nickel City Tours, a local Buffalo, NY, company offering historical bus tours. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a broad network of affiliated advisors and multiple advisory platforms. The firm provides integrated brokerage and advisory services, utilizing various tools and third-party offerings to construct and manage portfolios tailored to client needs.