Jennifer Walter is a financial advisor with UBS Financial Services in Buffalo, NY, holding a Series 63 designation and bringing 29 years of industry experience. She has been with UBS since 2015. Outside of her advisory role, she owns personal property that may generate rental income. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary capital market research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services and offers a broad range of capital markets and advisory solutions.

Jessica Roach is a financial advisor at Morgan Stanley with 28 years of industry experience. She holds Series 63 and Series 65 designations and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009. Roach serves on the finance committee of The Center for Hope, a nonprofit organization in Buffalo, New York. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and services clients through both direct and corporate financial planning agreements.

Amela Culov is a financial advisor with Raymond James Financial Services Advisors, Inc. and holds Series 63 and Series 65 credentials. She has 23 years of industry experience and has previously worked at Wells Fargo Advisors Financial Network and Morgan Stanley. Culov is also an advisory board member of the Saunders School of Business at Rochester Institute of Technology. Raymond James Financial Services Advisors, Inc. offers financial planning and investment consulting services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional entities. The firm uses tailored, non-discretionary planning supported by analytical tools and maintains specialized programs for municipal and retirement plan advisory services.

Michael Kazinski is a financial advisor with Wells Fargo Advisors in Buffalo, NY, holding Series 63 and Series 65 credentials and possessing 39 years of industry experience. He has been with Wells Fargo Advisors since 2009 and also owns a significant interest in PKK Wealth Management, LLC, where he is actively involved. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, providing investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services, including specialized areas such as business-owner transition and special-needs planning, supported by proprietary research and planning tools.

Max Lipsitz is a CFP® with 13 years of industry experience, currently serving as a financial advisor at Osaic. He previously worked for Securities America Advisors and SECURITIES AMERICA, inc. for over a decade. Outside of his advisory role, he is involved with U.S. Elite Volleyball, LLC, a business he has been part of since 2010, and serves on the investment sub-committee for FeedMore WNY, a local foodbank. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charities. The firm offers a range of brokerage and advisory services, employing a variety of tools and platforms to construct portfolios with multiple asset types, and supports both discretionary and non-discretionary account management.

Stephen O'Donnell is a financial advisor at LPL Enterprise with 41 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of his advisory role, he serves as a baseball umpire with the Niagara Falls Umpire Association. LPL Enterprise serves a wide range of clients, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory services, and access to model portfolios and third-party asset management through an integrated platform that also includes brokerage and insurance products.

Kenneth Weinstein is a CFP® with 32 years of industry experience, currently affiliated with Cetera. His prior experience includes long tenures at Avantax Insurance Agency, Avantax Advisory Services, and Mony Securities Corporation. Outside of his advisory role, he owns and operates a CPA firm specializing in tax preparation and financial advice, and he runs a business selling seat covers for classic cars. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, retirement plans, and institutional accounts. The firm offers diverse portfolio management and financial planning services through a multi-manager platform with access to various investment strategies and third-party money managers.

Joshua Pereira is a Senior Financial Advisor with Merrill Lynch Wealth Management. Since beginning his career in August 2000, he has focused on creating strategies and providing advice tailored to individuals, families, and businesses, with an emphasis on understanding their short- and long-term financial goals. He holds the Personal Investment Advisor (PIA) designation and earned a bachelor's degree in Business Administration from Saint Bonaventure University. Joshua prioritizes client satisfaction and applies disciplined strategies to assist clients in achieving their financial objectives. He lives in Lakeview, NY with his wife, Meghan, and their two daughters.

Laura O'geen is a financial advisor with LPL Financial holding Series 63 and Series 66 credentials and 29 years of industry experience. She has worked at M&T Bank and M&T SECURITIES, Inc. since 1992, joining LPL Financial in 2021. 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, financial planning, retirement plan consulting, and brokerage services through a national network of investment adviser representatives.

Blair Leiker is a Planning Consultant at Fidelity Investments, where they work collaboratively with clients and Financial Consultants to develop comprehensive financial plans tailored to clients' current goals and aspirations. Their role focuses on helping clients work towards achieving a successful financial future. Blair has been with Fidelity Investments since 2017, holding various positions including Relationship Manager from 2021 to 2023, 529 College Planning Service and Help Desk from 2018 to 2021, and Customer Relationship Advocate from 2017 to 2018. This progression reflects experience in client relationship management and financial planning support services.

Joseph Andrade is a financial advisor with Primerica Advisors in Amherst, NY, holding a Series 63 designation and 25 years of industry experience. His career includes roles at Crossmark and longstanding positions at PFS Investments Inc. and Primerica Financial Services. Outside of advisory work, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and employs a tiered wrap-fee structure for its services.

Justin Reich is a financial advisor at Equitable Advisors with three years of industry experience. He holds the Series 66 designation and has a background that includes nearly a decade at Northtown Automotive Group and earlier roles at Colonial Motors and Fred Beans. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, and institutions, providing financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates primarily through LPL-sponsored programs and third-party managers, offering both discretionary and non-discretionary advisory solutions.

Donald Kohnstamm is a financial advisor at Cetera with 58 years of industry experience. He holds a Series 63 designation and has worked at Cetera Wealth Services since 2013, with prior experience dating back to 1973 at Desmon & Kohnstamm Inc. He serves as president and owner of Desmon & Kohnstamm, Inc., an insurance-related business, and is a board member and governance committee member of the Foundation for Jewish Philanthropies. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. It offers a multi-manager platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Devon Tobler is a financial advisor with LPL Enterprise holding a Series 66 designation and no prior industry experience. Before joining LPL Enterprise in 2026, Tobler worked at M&T Bank and held positions at Target Corporation and Dash's Market. LPL Enterprise, LLC serves a diverse range of clients including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage services. The firm offers financial planning, access to model wealth portfolios, third-party asset management programs, and brokerage and insurance products via its integrated platform.

Michael Gnacinski is a financial advisor with Mass Mutual Investors Services in Amherst, NY, holding a Series 63 designation and 27 years of industry experience. He has been with Mass Mutual Investors Services since 2017 and also has longstanding tenures with Massachusetts Mutual Life Insurance Company and Metlife Securities Inc. since 1999. Mass Mutual 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 ongoing financial planning, asset management, and educational seminars, structuring planning engagements as collaborative annual relationships using analytical tools to guide investment strategies.

Timothy Winterhalter is a financial advisor with Wells Fargo Advisors, holding a Series 63 designation and bringing 28 years of industry experience. He has worked at Wells Fargo Advisors and its related entities since 2009. Outside of his advisory role, he serves as a member of the Orchard Park Recreation Commission. Wells Fargo Advisors Financial Network offers investment and financial planning services to individuals, trusts, and institutional clients, providing a broad range of planning options and leveraging proprietary research and tools to create tailored recommendations.

John Ahrens is a financial advisor with Mass Mutual Investors Services who holds a Series 63 designation and has 38 years of industry experience. He has been associated with MML Investors Services, Inc. since 1987 and Massachusetts Mutual Life Insurance Company since 1986. Outside of his advisory role, Ahrens is president and part owner of Buflife Agency Inc., a life and health insurance agency. MML Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements using firm-approved analytical tools, with optional implementation of recommendations through separate brokerage or insurance arrangements.

Kenneth Sendlak is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and 26 years of industry experience. He has worked at MassMutual Life Insurance Company since 2016 and was previously with Metlife Securities, Inc. from 2007 to 2017. Outside of his advisory role, he is a representative and producer for Specific Solutions, focusing on fixed annuities. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm emphasizes collaborative, goal-based planning supported by firm-approved software tools and offers specialized services including divorce planning and estate settlement.

Joshua Rohrer is a financial advisor with Raymond James Financial and holds a Series 66 designation. He has one year of industry experience and previously worked at Eagle Financial Group and NCH Corporation. He is also an associate at Accreux Wealth Management, where he serves as a financial advisor and client relationship manager. 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, and institutional investors. The firm offers tailored, non-discretionary planning using risk profiling and analytical tools, and supports its clients through advisory programs and institutional consulting.

Michael Rea is a financial advisor with Equitable Advisors in Williamsville, NY, holding a Series 66 license and 18 years of industry experience. He has been with Equitable Advisors since 2007 and previously worked at Axa Advisors, LLC. Equitable Advisors serves individual investors, retirement plan sponsors and participants, 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 that combines advisory and brokerage/insurance channels to deliver tailored financial solutions.