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 for 16 years. 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 advisory and brokerage channels tailored to client goals and risk tolerance.

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, where he joined in 2019. In his role, he actively meets with clients to oversee their financial health, emphasizing the firm’s team approach. He believes that two-way communication is essential for clients to achieve their financial goals, and his business principles include providing comprehensive advice on both financial and non-financial aspects of clients' futures. Mr. Kenline specializes in areas such as corporate executive services, equity compensation services, liquidity management, managing new wealth, personal retirement planning, portfolio management, 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. Mr. Kenline is also involved in his community as a Trustee and Board Member of the Westminster Economic Development Initiative. His personal interests include boating, fishing, golfing, hunting, skiing, and swimming.

Kristina Hanna is a financial advisor at Morgan Stanley with one year of industry experience. She holds a Series 66 designation and has prior work experience at Citi and Orthodent Laboratory. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutional clients, providing tailored financial planning and managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and modeling techniques as part of its advisory services.

Collin Shapiro is a financial advisor at Morgan Stanley with nine years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and its Private Bank since 2018, following two years at People's Securities, Inc. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a range of advisory programs to individuals and institutional clients. The firm emphasizes structured financial planning supported by firm-approved tools and serves clients both directly and through corporate financial planning agreements.

Timothy Downing is a financial advisor with MassMutual Investors Services and holds a Series 63 designation. He has 10 years of industry experience, including roles at MML Investors Services since 2015 and MassMutual since 2012. MassMutual 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 financial planning, asset management, wrap and money-manager programs, and educational seminars, structuring engagements as annual, collaborative relationships using firm-approved analytical tools.

Richard Ewel is a financial advisor with Osaic Wealth, Inc. in Williamsville, NY, holding a Series 63 designation and 45 years of industry experience. He previously worked at Securities America Advisors, Inc. and SECURITIES AMERICA, inc. for 21 years. His additional activities include reviewing clients' annuities as an insurance advisor. Osaic Wealth, Inc. serves a diverse client base including individual investors, pension and profit-sharing plans, corporations, and charitable organizations, offering integrated brokerage and advisory services supported by extensive technology and multiple advisory platforms. The firm utilizes asset-allocation tools and managed account solutions while operating a complex corporate structure with varied third-party arrangements.

Donald Nowak Jr. is a financial advisor at OSAIC with 11 years of industry experience. He holds Series 63 and Series 66 designations and has worked at OSAIC since 2023. Outside of advisory work, he operates a small eBay business selling personal items. OSAIC serves a diverse client base including individual and institutional investors through a large network of advisers. The firm offers integrated brokerage and advisory services with portfolios constructed using asset-allocation tools and access to multiple third-party money managers and wrap programs.

Sabrina Gimlin is a financial advisor with LPL Financial, holding Series 65 and Series 63 licenses and five years of industry experience. She previously worked at Ameriprise for four years and at FIT School for three years. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management supported by research and model portfolios.

Luke Genewick is a financial advisor at Equitable Advisors with the Series 66 designation and one year of industry experience. Prior to joining Equitable Advisors, he held roles at Samuel's Grande Manor, CUTCO Knives, the Village of Lancaster Department of Public Works, and has been involved with Anderson's Frozen Custard and Lancaster Town Schools. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporations, charities, and institutions, providing financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm works extensively through LPL-sponsored programs and third-party managers to deliver advisory and brokerage solutions.

Sally Allen is a Series 63-licensed financial advisor at UBS Financial Services with 23 years of industry experience. She has been with UBS since 2016. Outside of her advisory role, she serves as treasurer and board member of Lancaster Unleashed, a nonprofit organization that raises funds for a dog park. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, combining proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services across a broad platform.

Edward Lisowski is a financial advisor with LPL Financial and holds the CFP® designation, along with Series 63 and Series 65 licenses. He has 30 years of industry experience, including roles at M&T Bank and M&T Securities prior to joining LPL Financial. Lisowski is based in Tonawanda, NY. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, including financial planning, retirement plan consulting, and brokerage services, with both discretionary and non-discretionary management options supported by research and model portfolios.

William Stark III is a financial advisor at Fidelity with 23 years of industry experience. He holds the Series 63 and Series 66 designations and has been with various divisions of Fidelity since 2011. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm uses a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and advisory services.

James Keddie is a financial advisor with Equitable Advisors in Williamsville, NY, holding a Series 66 designation and 18 years of industry experience. He has been with Equitable Advisors since 2007 and previously worked at Axa Advisors, LLC. Outside of his advisory role, he serves as an executor of his father's estate. 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, risk tolerance, and time horizon.

Joan Simmonds is a Wealth Management Advisor at Merrill Lynch Wealth Management. She focuses on retirement income planning, risk reduction strategies, and intergenerational wealth transfer strategies. Her role involves helping clients navigate important life transitions and safeguard their assets. Joan has been a Financial Advisor since 2006 and holds Series 7 and 66 FINRA registrations. She earned a Master of Education in Counseling from Bridgewater State College and a Bachelor of Arts in Social Work from Siena College. Joan holds the professional designations of CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). In her work, Joan conducts personal consultations to help clients identify and articulate their unique financial and life goals, developing retirement-income plans and wealth transfer strategies accordingly. She also reviews clients' progress and provides regular updates. Outside of her professional work, Joan is involved with the American Heart Association's Go Red For Women initiative and enjoys boating, reading, and dancing.

Phoebe Rodriguez is a Series 66-registered financial advisor at Merrill with 25 years of industry experience. She has worked at Merrill since 1995. 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. The firm serves a diverse client base including individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.