Jonathan Fichter is a CFP® with 11 years of industry experience and is currently affiliated with OSAIC. He has worked at Fichter Wealth Management and Securities America, Inc. Prior to joining OSAIC, he spent significant time at Fichter Wealth Management. OSAIC serves a broad range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and investment advisory services through a large network of advisers, employing tools such as asset-allocation models, risk-tolerance questionnaires, and automated rebalancing to construct diversified portfolios.

Avery Cywinski is a financial advisor at Mass Mutual Investors Services with a Series 66 designation and one year of industry experience. Prior to joining the firm, Avery worked at BankonBuffalo and has experience in both financial services and hospitality. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars with a collaborative, client-focused approach.

Kyle Kazinski is a financial advisor with Wells Fargo Advisors in Buffalo, NY, holding a Series 66 designation and 11 years of industry experience. He has been with Wells Fargo Advisors since 2013. Outside of his work at the firm, he has an ownership interest in PKK Wealth Management LLC, where he dedicates part of his time. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services tailored to clients who meet certain net-worth thresholds, with recommendations supported by Wells Fargo research and planning tools.

Scott Miranto is a Certified Financial Planner (CFP®) and Chartered Financial Consultant (ChFC®) with 12 years of experience in the financial services industry. He has been with Ameriprise since 2013, currently serving as a financial advisor in Amherst, NY. Outside of his advisory role, he works as a shot clock operator for college basketball games at Daemen College. Ameriprise Financial Services is a large, diversified firm that serves both individual and institutional clients, offering specialized retirement income planning focused on dependable income sources and tax-aware withdrawal strategies. The firm’s approach integrates proprietary research and third-party data to provide tailored advice within a defined investment universe.

Kevin Malaney is a CFP®-designated financial advisor with 15 years of industry experience, currently associated with Morgan Stanley in Williamsville, NY. He has been with Morgan Stanley Smith Barney since 2010 and the Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning and estate planning, and manages approximately $2.74 trillion in client assets.

Robert Nusinov is a financial advisor with OSAIC, holding a Series 63 credential and 26 years of industry experience. He previously worked at Securities America Advisors Inc for 17 years and has operated his own business, L&M Financial Services, since 2000. In addition to his advisory work, he is involved in insurance sales through L&M Group. OSAIC serves a diverse range of clients, including individuals, institutional investors, and charitable organizations, offering integrated brokerage and advisory services. The firm utilizes various asset-allocation tools and third-party platforms to build and manage portfolios across multiple investment types.

Robert McNicholas is a financial advisor at Cetera with 38 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Cetera and its affiliates since 2022, following 13 years at Saxony Securities, Inc. He also owns McNicholas Capital Corp., a financial services business he has operated since 2002. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate and charitable clients, and institutions through a nationwide network of independent advisors. The firm offers a multi-manager platform with various portfolio management options, financial planning, and access to third-party managers, overseeing more than $256 billion in assets under management.

Michael Cormier is a financial advisor at RBC Capital Markets with 14 years of industry experience. He holds the Series 66 designation and has previously worked at Wells Fargo Advisors LLC and City National Bank. Outside of his advisory role, he serves as a cycling referee for USA Cycling in Colorado Springs. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs that provide portfolio management, financial planning, and brokerage services, utilizing both in-house and third-party investment managers to tailor strategies to clients’ risk profiles.

Elizabeth Evanisko is a financial advisor at OSAIC with 19 years of industry experience. She holds Series 63 and Series 65 registrations and has worked at firms including Cetera Investment Services and Foresters Financial. Evanisko is also the principal of Nova Wealth LLC, the team name under which she conducts business at OSAIC. OSAIC Wealth, Inc. serves a diverse clientele ranging from individual investors to pension plans and charitable organizations, offering integrated brokerage and advisory services. The firm employs asset-allocation tools, risk assessment, and third-party managers to construct tailored portfolios across a variety of asset classes.

Diane Bookhagen is a financial advisor with Primerica Advisors, holding a Series 63 designation and bringing 23 years of industry experience. She has worked with PFS Investments Inc. and Primerica Financial Services since the early 2000s and serves as a self-employed contractor at Erie County Medical Center. Diane is also a member of the Board of Directors for Presbyterian Senior Care of Western New York. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, focusing on model-delivery strategies and discretionary separately managed accounts for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure rather than fixed fees.

Benjamin Whitford is a financial advisor with Mass Mutual Investors Services in Amherst, NY, holding a Series 63 designation and with eight years of industry experience. He has been with Mass Mutual Investors Services since 2017 and has also worked with MassMutual Life Insurance Company since 2016. Whitford serves as a board member and participates on both the Audit and Investment Committees of Aspire of WNY, a nonprofit that assists individuals with disabilities. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual, serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers comprehensive financial planning, asset management, and educational programs, focusing on collaborative, goal-oriented client engagements.

Michael Emser is a CFP® professional with 39 years of industry experience, currently affiliated with Raymond James Financial Services Advisors, Inc. He has held roles at multiple financial firms including United Planner Financial Services and Crux Wealth Advisors. Emser also works as an independent contractor consulting on financial planning through Plail Wealth Management. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional entities. The firm employs analytical tools for non-discretionary planning tailored to client goals and supports a large network of advisors with a range of advisory programs.

Bryan Staniszewski is a CFP® and PFS™ credentialed financial advisor with 22 years of industry experience. He is currently with Cetera and has previously worked at Ameriprise Financial Services LLC, Avantax Investment Services, Inc., and 1st Global Capital Corp. In addition to his advisory role, he owns a tax service business that provides bookkeeping, tax preparation, and consulting. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with diverse portfolio management and financial planning options, supported by a nationwide network of over 10,000 advisors.

Mande Pignataro is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. Prior to joining Merrill in 2020, Pignataro spent nine years with UBS Financial Services Inc. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Tyler Sacco is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and two years of industry experience. His prior work includes roles at Beck Financial Group and Commonwealth Financial Network. He is a co-owner of Sacco and Beck LLC, a private investment business focused on managing and remodeling a second business location in Orchard Park, NY. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning using analytical tools and supports municipal and public finance work through a unique municipal advisor affiliation.

Brian Makey is a financial advisor at Thrivent Investment Management with 12 years of industry experience. He holds the Series 66 designation and has been with Thrivent since 2014. Outside of his advisory role, Makey serves on the Executive Committee of Trinity Lutheran Church. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering broad financial planning without portfolio management for institutional clients.

Patrizia Laughton is a financial advisor with RBC Capital Markets in Williamsville, NY, holding Series 63 and Series 66 designations and possessing 22 years of industry experience. She has been with RBC Capital Markets since 2009. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a variety of wrap fee advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers.

Jeffery Kruszka Jr. is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. He has four years of industry experience and has worked at several firms, including Wealth Advisors Network, Inc. and Cambridge Investment Research Inc. In addition to his advisory work, he is a partner at Brock, Schechter & Polakoff, LLP, a public accounting firm specializing in tax compliance and planning services. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational programs using firm-approved software tools and structuring engagements as annual collaborative relationships.

Patricia Hudson is a CFP® credentialed financial advisor with 30 years of industry experience. She is currently with Ameriprise, where she has worked for one year, following five years at LPL Financial and 18 years at M&T Securities. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on retirement-income planning through written Recommendation Reports and ongoing advice, utilizing proprietary research and algorithmic tools.

William Wagner is a financial advisor with Cetera who holds a Series 63 designation and has 37 years of industry experience. He has worked at Cetera Wealth Services, LLC since 2013 and previously spent 18 years at C&M Capital, Inc. In addition to his advisory role, Wagner operates as an independent insurance agent selling disability, fixed annuities, and long-term care products. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and consulting services through a large network of independent advisors, utilizing a multi-manager platform that includes affiliated and third-party investment strategies.