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.

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.

Maryjane Hosmer is a financial advisor with Mass Mutual Investors Services in Amherst, NY, holding a Series 63 designation and bringing 34 years of industry experience. She has been with MML Investor Services and MassMutual Life Insurance Company since 2005. MML Investors Services, LLC operates as a subsidiary of MassMutual, providing financial planning and investment services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers a range of programs including asset management, wrap and money-manager programs, and educational seminars.

Austin Robare is a financial professional with six years of industry experience, currently affiliated with Cetera and Lifetime Wealth Management, an affiliate of Lumsden & McCormick. His prior roles include positions at Avantax Advisory Services and Equitable Advisors. Robare has held the Series 63 and Series 65 licenses and has been involved with a separate LLC, Breakaholic Breaks. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers diversified portfolio management, financial planning, and access to multiple program platforms with discretionary and non-discretionary service models.

David Bilski is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked at PFS Investment Inc. and Primerica Financial Services since 1992. In addition to advising, he is involved in sales of loan products and home security services through affiliated companies. Primerica Advisors offers discretionary asset management via its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options. The firm employs third-party asset managers and emphasizes a tiered wrap-fee structure rather than fixed fees.

Grant Rickan is a Series 66-licensed financial advisor with Morgan Stanley in Williamsville, NY, with 12 years of industry experience. He has worked with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2012 and 2015, respectively. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. Their planning process uses firm-approved tools and modeling techniques, delivering services primarily in an advisory capacity.

Jordan Farnham is a financial advisor at Cetera with 10 years of industry experience. He holds Series 65 and Series 63 licenses and has worked at Cetera since 2019, with prior experience at Foresters Advisory Services LLC and Foresters Financial Services. Outside of his financial career, Farnham is actively involved in hockey coaching and administration, serving as head coach at St. Francis High School and St. Bonaventure University, where he also manages day-to-day operations for the university’s hockey teams and assists with other club sports scheduling. Cetera Investment Advisers LLC is a nationwide SEC-registered adviser that serves a diverse client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services, operating a multi-manager platform with a range of program options and over $256 billion in assets under management.

Thomas Domin is a CFP® with 22 years of industry experience, currently associated with Raymond James Financial in Buffalo, NY. His prior experience includes roles at TIAA and Crux Wealth Advisors. He is involved in life insurance solutions and serves on the Board of Directors for a support company focused on growth initiatives. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, corporations, and institutional clients. The firm employs tailored, non-discretionary advisory services and supports its offerings with advanced analytical tools and specialized programs such as municipal advisory and SIMPLE IRA Employer Advisory services.

Wojciech Biernat is a financial advisor with Wells Fargo Advisors, holding a Series 66 designation and 17 years of industry experience. He previously worked at Raymond James Financial Services Advisors and has a background spanning multiple roles within Wells Fargo Advisors. In addition to his advisory role, he also serves as a financial advisor for Princeton Harriman Insurance Solutions. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad planning menu and integrates advisory services with other financial products and referral channels.

David Schilling is a financial advisor at LPL Financial with 44 years of industry experience. He holds the ChFC® and Series 63 designations. Prior to joining LPL Financial in 2024, he worked at Mass Mutual Investors Services and MassMutual Life Insurance Co. from 2016 to 2024. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers various advisory programs, financial planning, and retirement plan consulting with both discretionary and non-discretionary management options.

Thomas Bender is a CFP® professional with 13 years of industry experience, currently affiliated with LPL Financial since 2018. His prior experience includes roles at SII Investments, Inc., Bank of America, N.A., and Merrill. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of advisory programs, financial planning services, and utilizes model portfolios and research from multiple sources to support its investment approach.