Sean Howard is a financial advisor with UBS Financial Services in Buffalo, NY, holding a Series 66 designation and 20 years of industry experience. He has been with UBS Financial Services since 2005. Outside of his advisory role, he serves on a committee for the Food Bank of Western New York and is a partner in JMST Development LLC, which invests in commercial real estate. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, employing proprietary research and model-based asset allocations to tailor plans aligned with client goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services, offering a broad range of financial products and capital markets solutions.

Andrew Durfee is a financial advisor at Raymond James Financial with 22 years of industry experience. He previously worked at UBS Financial Services for 10 years and was with Crux Wealth Advisors before joining Raymond James. Durfee is a Series 66 credential holder and co-owns Accreux Wealth Management LLC, a business supporting his Raymond James practice. 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 investors, using tailored, non-discretionary planning and analytical tools. The firm offers a range of advisory programs and supports municipal and public finance work through affiliations uncommon among large institutional advisors.

Jonathan Hoffman is a financial advisor with Mass Mutual Investors Services in Amherst, NY, holding a Series 63 designation and 16 years of industry experience. He has been with Mass Mutual Investors Services since 2012 and Mass Mutual Life Insurance Company since 2011. Outside of his advisory work, he is involved as a partner in Orchard Development, a custom home building firm, and owns Bent Pole Realty, which manages vacation rental properties. 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 offers financial planning, asset management, and educational seminars, using firm-approved tools to deliver comprehensive planning and investment strategy recommendations.

Richard Schieb Jr. is a financial advisor with Equitable Advisors, holding a Series 66 designation and over 24 years of industry experience. He has been with Equitable Advisors since 2001, including time at its predecessor firm, AXA Advisors. Outside of his advisory role, he serves as a board member of the Ketch Court Property Owner's Association and provides CPA tax preparation and advice. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and various asset management programs. The firm utilizes a network of investment adviser representatives and third-party asset managers to implement tailored investment solutions.

Shannon Schapiro is a financial advisor at Wells Fargo Clearing with 13 years of industry experience. She holds the Series 66 designation and has been with Wells Fargo in various capacities since 2008. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Michael Mancuso is a financial advisor with Cetera who holds 43 years of industry experience. He has worked with Cetera since 2019 and previously spent 37 years at Foresters Financial. Outside of his advisory role, he is involved in land ownership. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients through various portfolio management and financial planning services.

Joshua Lauer is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 66 licenses and with 13 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and has been associated with Massachusetts Mutual Life Insurance Company since 2016. In addition to his advisory role, he refers clients for the Employee Retention Credit through an external firm. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, and educational seminars, focusing on collaborative annual planning engagements that analyze client goals using firm-approved software tools.

Mark King is a Series 66-licensed financial advisor with Equitable Advisors in Williamsville, NY, and has 23 years of industry experience. He has been with Equitable Advisors and its predecessor, Axa Advisors, since 2002. King is involved in community organizations in Buffalo, serving as Co-Chairperson of the Community Health Worker Network, Chairman of the Community Health Center Board of Directors, Treasurer of Collaborating On Poverty Elimination WNY, and a board member of CinqCare. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations by providing financial planning, retirement consulting, and asset management programs. The firm emphasizes customized advice through a range of proprietary and third-party models and offers services covering mutual funds, ETFs, separately managed accounts, and select alternative investments.

Samuel Hamlett is a financial advisor with LPL Financial who holds Series 63 and Series 66 credentials and has 28 years of industry experience. Prior to joining LPL Financial in 2021, he worked at Wilmington Brokerage Services Company for 10 years and M&T Securities, Inc. for 23 years. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Michael Coffaro is a financial advisor with Equitable Advisors in Williamsville, NY. He holds Series 63 and Series 65 licenses and has 10 years of industry experience. His career includes work at Axa Advisors, LLC from 2016 to 2020 before continuing with Equitable Advisors. Equitable Advisors serves a broad client base including individuals, pension plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and asset management through a network of investment adviser representatives and third-party program sponsors. The firm emphasizes personalized risk assessment and client-specific model matching without sponsoring its own wrap fee programs.

Daniel Mcauliffe is a financial advisor at Equitable Advisors with 18 years of industry experience. He has been with Equitable Advisors since 2011, including its predecessor AXA Advisors. Mcauliffe serves as vice president of the Buffalo Squash Racquettes Association and is a board member of both 716 Squash, Inc. and Child and Family Services, reflecting involvement in local community organizations. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension plans, corporations, and charitable organizations. The firm employs a variety of advisory programs and third-party asset managers to tailor investment solutions, offering a range of mutual funds, ETFs, separately managed accounts, and select alternative investments.

James Stark is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 27 years of industry experience. He has previously worked at M&T Securities, M&T Bank, and Eagle Strategies (NY Life). LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset managers.

Bryan Plunkett is a financial advisor with Equitable Advisors in Williamsville, NY, holding Series 63 and Series 65 credentials and bringing eight years of industry experience. His prior experience includes roles at AXA Advisors, First Source Advantage, and five years of service in the United States Army. He serves on the board of directors for the Historical Association of Lewiston. Equitable Advisors serves a diverse client base, including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and various asset-management programs. The firm emphasizes personalized advice through models and third-party asset managers, offering a range of investment options and ERISA fiduciary services.

Ryan Gill is a CFP® with 21 years of industry experience, currently serving at Equitable Advisors since 2004. He previously worked at Axa Advisors, LLC from 2004 to 2020. Outside of his advisory role, he has experience as a rental property landlord. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension plans, corporations, charitable organizations, and institutional clients. The firm’s approach involves assessing client information and risk tolerance to recommend program models or discretionary managers, utilizing a mix of proprietary and third-party investment solutions.

Randy Toth is a CFA® charterholder with 11 years of industry experience, currently serving as a financial advisor at OSAIC since 2024. His prior experience includes roles at Securities America Advisors and Citigroup. In addition to his advisory work, he is involved in life and health insurance brokerage and also prepares taxes for clients. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated financial advisers by offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm utilizes various asset-allocation tools and supports multiple advisory platforms while accommodating both discretionary and non-discretionary management approaches.

Paul Di Pirro Jr. is a financial advisor with Ameriprise who holds a Series 66 designation and has 19 years of industry experience. He has worked with Ameriprise and its affiliates since 2005 and is also involved with Buffalo Wealth Partners. Outside of his advisory role, he has administrative duties with a partnership entity and is a member of a real estate entity that owns office space used for his financial advisory practice. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement who meet specific asset criteria, providing detailed, non-discretionary recommendation reports that incorporate research, modeling, and tax-efficient strategies. The firm combines advisory, brokerage, and insurance solutions through its large institutional platform.

Peter Johnson is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. His career includes long tenures at SSN Advisory, Inc. and Securities America Advisors. Outside of advisory work, he prepares tax returns for clients and assists in facilitating the creation of estate documents in cooperation with a local attorney. OSAIC serves a diverse client base including individual investors, high-net-worth clients, pension plans, corporations, and nonprofit organizations. The firm offers a range of brokerage and advisory services, employing comprehensive asset-allocation tools and access to third-party managers to customize portfolios across various investment types.

Michael Lurz is a financial advisor with Ameriprise in East Amherst, NY, holding the ChFC® and Series 63 designations and bringing 38 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of advising, he owns a business entity established for liability protection related to his office space. Ameriprise serves individuals approaching or in retirement with substantial investable assets, offering a retirement-income planning service that combines research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations. The firm delivers comprehensive advisory, brokerage, and insurance solutions typical of a large institutional provider.

Kenneth Ulrich is a CFP® professional with 44 years of experience in the financial services industry. He is currently affiliated with Cetera and has previously worked with firms including Lincoln Financial Advisors and Avantax Advisory Services. Outside of advisory roles, he serves as president of a family ranch real estate holding company and is a founding partner of Bearingstone Wealth, Inc., a marketing entity for financial services. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, supporting various program structures and investment strategies.

Michael R. Kenline is a Wealth Management Advisor at Merrill Lynch Wealth Management. He joined Merrill in 2019, attracted by their comprehensive financial strategies and focus on providing a world-class customer experience. In his role, Mr. Kenline emphasizes a team approach while meeting directly with clients to oversee their financial health and help them pursue their long-term goals. Mr. Kenline specializes in areas such as Corporate Executive Services, Equity Compensation Services, Liquidity Management, Managing New Wealth, Personal Retirement Planning, Portfolio Management Services, Small Business Strategies, Individual and Corporate Investment Strategy, Tax Minimization, and Retirement Income. He holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). He earned a Bachelor of Arts in Economics and a Bachelor of Science in Business Management from SUNY Fredonia. Outside of his professional work, Mr. Kenline is a Trustee and Board Member of the Westminster Economic Development Initiative. His personal interests include boating, fishing, golfing, hunting, skiing, and swimming.