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® with 39 years of industry experience, currently serving as a financial advisor at Raymond James Financial Services Advisors, Inc. He has held roles at multiple firms including United Planner Financial Services and Crux Wealth Advisors, and has operated his own wealth management group. Emser also consults independently with clients on financial planning through Plail Wealth Management. Raymond James Financial Services Advisors, Inc. provides financial planning and non-discretionary investment consulting to a diverse client base, including individuals, high-net-worth clients, pension plans, charitable organizations, and municipalities. The firm emphasizes tailored financial plans developed through detailed client interviews and risk profiling, offering multiple implementation options while generally maintaining client decision authority.

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 at Merrill with 23 years of industry experience. She holds Series 63 and Series 66 designations and previously worked at UBS Financial Services Inc for nine years before joining Merrill in 2020. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Tyler Sacco is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds the Series 66 designation and has one year of industry experience. Prior to joining Raymond James, he worked at Beck Financial Group and Commonwealth Financial Network. Sacco is a co-owner of Sacco and Beck LLC, an investment venture focused on developing a second location for Buffalo Financial in Orchard Park, NY. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm provides financial planning and non-discretionary investment consulting, emphasizing tailored financial plans and investment recommendations supported by firm research and various implementation options.

Brian Makey is a financial advisor at Thrivent Investment Management with 11 years of industry experience. He holds a Series 66 credential and has been with Thrivent Financial since 2015. Outside of his advisory role, Makey serves on the Executive Committee of Trinity Lutheran Church, overseeing business matters and the general operation of the congregation. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based planning without discretionary trading authority and allows clients to combine planning with managed-account services under a consolidated billing option.

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.

Sean Huff is a financial advisor at LPL Financial with 12 years of industry experience. He holds the Series 66 designation and has previously worked at Cadaret, Grant & Co., Inc. and AxA Advisors. Outside of his advisory role, he is a business owner of Encompass Property Group LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients, including individuals, retirement plans, banks, and corporations. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Christopher Sharkey is a financial advisor with UBS Financial Services in Buffalo, NY, holding a Series 66 designation and nine years of industry experience. He has worked at UBS since 2017 and previously spent one year at AllianceBernstein. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering a broad range of capital markets services and proprietary research to support client strategies.

Tony Watson II is a financial advisor with Equitable Advisors in Williamsville, NY, holding a Series 66 designation and two years of industry experience. Prior to joining Equitable Advisors, he worked in educational roles, including as a color commentator for University at Buffalo men's basketball. Outside of advising, he has been involved with Pro Training Basketball, Inc. for over a decade. 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 uses a hybrid referral and implementation model to tailor investment solutions based on client goals, risk tolerance, and time horizon.

Hayden Mumbach is a Series 66-licensed financial advisor with LPL Financial, based in West Seneca, NY, with one year of industry experience. Prior to joining LPL Financial, he held roles at Rich Products Corporation and Sgroi Financial LLC. He is also involved with Sgroi Lawley LLC, an affiliated entity related to his advisory business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services supported by proprietary and third-party research, catering to a diverse client base with discretionary and non-discretionary management options.

Robert Vogel is a CFP® with 44 years of industry experience, currently serving as an advisor at OSAIC since 2023. He previously worked at FSC Securities Corporation for 14 years. Vogel is the treasurer of the Erie County Law Enforcement Foundation and a director of the 100 Club of Buffalo, both nonprofit organizations supporting law enforcement and emergency service communities in Western New York. OSAIC serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm combines brokerage and advisory services with various investment platforms and third-party solutions, utilizing asset-allocation tools and automated rebalancing to construct diversified portfolios.

Genna Chmiel is a financial advisor at Cetera with 11 years of industry experience. She holds a Series 63 designation and has worked at Cetera since 2019, following four years at Foresters Financial Services. Outside of her advisory work, she serves as executor of her parents' will. Cetera is an SEC-registered advisor that serves individual, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, overseeing over $256 billion in assets.

Colden Hollins is a financial advisor with Wells Fargo Advisors in Orchard Park, NY. He holds a Series 66 designation and has three years of industry experience, including time at Wells Fargo Clearing prior to joining Wells Fargo Advisors. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services, including cash-flow, retirement, education, risk, and wealth-transfer planning, using proprietary research and tools to develop tailored recommendations.

Matthew Boss is a financial advisor at Equitable Advisors with four years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at CitiGroup and Orthobrain. His background also includes roles outside finance, such as positions with Case Western Reserve University and the East Aurora Recreational Department. 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 employs a hybrid referral and implementation model, offering both advisory and brokerage channels tailored to client goals and risk tolerance.

Lacey Dale is a financial advisor with Raymond James Financial in Buffalo, NY, holding a Series 66 designation and five years of industry experience. She has worked at multiple firms including Raymond James Financial Services Advisors, Inc., Kestra Advisory, and Crux Wealth Advisors. Outside of her advisory role, Dale is the president of Dale Legacy Advisors, LLC, where she provides financial advisory advice and planning. Raymond James Financial Services Advisors, Inc. serves a diverse client base ranging from individual investors to institutional entities, offering financial planning and non-discretionary investment consulting. The firm emphasizes tailored financial plans developed through client collaboration and provides various implementation options including brokerage and advisory accounts.

Joseph Curatolo is a financial advisor with LPL Financial and holds Series 63 and Series 65 designations. He has 49 years of industry experience, including 36 years at Royal Alliance Associates, Inc. and ongoing involvement with Georgetown Capital Group since 1987. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers various advisory programs, financial planning, and brokerage services, providing both discretionary and non-discretionary management supported by in-house and third-party research.