Carmen Tonellato is a financial advisor with Ameriprise in Williamsville, NY, holding Series 63 and Series 66 licenses and having six years of industry experience. Prior to joining Ameriprise in 2022, she worked at Bank of America and Merrill from 2019 to 2022, and at FedEx Trade Networks from 2013 to 2019. She serves as Co-Chairman on the Board of Directors for the Niagara County Youth Bureau. 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, which includes written Recommendation Reports and annual advice utilizing proprietary research, third-party data, and algorithmic tools.

Thomas Cannavo is a financial advisor with Cambridge Investment Research Advisors and holds a Series 66 designation. He has 11 years of industry experience and has worked with firms including Pillar Wealth Solutions and AXA Advisors, LLC. In addition to his financial advisory work, he is the owner of the Law Office of Thomas J. Cannavo, where he has provided legal services since 1994. Cambridge Investment Research Advisors serves a diverse group of individual and institutional clients, including pension and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm supports both discretionary and non-discretionary management and provides access to proprietary model strategies and third-party advisers across multiple platforms.

Kevin Caffery Jr. is a financial advisor with Equitable Advisors, holding a Series 66 designation and 17 years of industry experience. He has been with Equitable Advisors since 2009, including time when the firm operated as Axa Advisors. He also serves as an administrator or executor of estates and trustee of trusts for family and non-family members. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutions. The firm’s approach includes matching clients to program models or discretionary managers, utilizing both proprietary and third-party asset management solutions.

John Bannister is a financial advisor at Merrill with 8 years of industry experience. He holds Series 63 and Series 66 designations. His prior work experience includes roles at Prudential Insurance Company of America and Pruco Securities, LLC, as well as Bank of America. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using a range of model-based and discretionary investment strategies.

Randall Clark is a financial advisor at Cetera with 21 years of industry experience. He has held roles at Foresters Financial and Foresters Advisory Services LLC prior to joining Cetera in 2019. Outside of his advisory work, Clark also works as a security guard at Holiday Valley Ski Resort. Cetera Investment Advisers LLC serves individuals across a range of wealth levels, employer-sponsored retirement plans, corporate and charitable clients, 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.

Steven Kopf is a financial advisor at Edward Jones in Williamsville, NY, holding a Series 66 designation with 11 years of industry experience. He has been with Edward Jones since 2016. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies, separately managed accounts, and affiliated mutual funds. The firm maintains a large network of advisors and branch offices and provides services under a fiduciary standard.

Alexander Bianco is a financial advisor with Equitable Advisors in Williamsville, NY, holding the Series 66 designation and bringing 16 years of industry experience. He has been with Equitable Advisors since 2010 and was previously associated with Axa Advisors, LLC from 2010 to 2020. Equitable Advisors serves a broad client base including individual investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides financial planning, retirement plan consulting, and various asset-management programs, utilizing a network of Investment Adviser Representatives and third-party asset managers to deliver personalized investment solutions.

Linda Suchocki is a Series 63 licensed advisor with 35 years of industry experience, currently serving at Primerica Advisors since 1988. She has been affiliated with Primerica Financial Services since 1987. In addition to her advisory role, she manages rental property on a part-time basis. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed account options primarily to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure, focusing on retail rather than institutional clients.

Sean Hayden is a financial advisor with Cetera and holds a Series 66 designation. He has 17 years of industry experience and previously worked with National Securities Corporation, Gilman Ciocia, Inc, and Abel. Outside of his advisory role, Hayden serves as vice president of Lockport Community Services, Inc. and is a board member of the Historic Lockport Mill Race nonprofit; he is also involved in tax preparation and Medicare insurance sales through other business activities. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. It offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, supporting a broad range of program structures and investment approaches.

Rene Baia is a financial advisor with Equitable Advisors holding a Series 66 designation and has one year of industry experience. Before joining Equitable Advisors in 2026, he held roles at Northtown Automotive, West Herr, Bunzl, and Lord and Taylor. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension plans, corporations, and charitable organizations. The firm uses a range of advisory programs and third-party asset managers to deliver tailored investment solutions.

Charles Kreiner Jr. is a financial advisor with UBS Financial Services in Buffalo, NY, holding a Series 63 designation and possessing 54 years of industry experience. He has been with UBS since 1992. Outside of his advisory role, Kreiner serves on several boards, including charitable organizations, health care companies, and oil and gas businesses, and is involved with community and philanthropic activities such as the Foundation for Jewish Philanthropies and Cradle Beach Camp for children. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory solutions, combining institutional trading capabilities with wealth management services. The firm’s advisory process uses proprietary research and model-based strategies to tailor financial plans aligned with clients’ goals and risk tolerances.

Elizabeth Sheer is a financial advisor at Wells Fargo Clearing with two years of industry experience. She holds a Series 66 designation and has previously worked at M&T Bank and Hampton Inn Hotels by Hilton. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Brittany Cheney is a financial advisor at Wells Fargo Clearing with 14 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at LPL Financial, M&T Securities, Inc., and M&T Bank. Outside of her advisory role, she serves as a successor trustee for a family trust and is a commissioned notary in Buffalo, NY. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment management. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Eugene O'neill is a financial advisor with UBS Financial Services in Buffalo, NY, holding Series 63 and Series 66 designations and 25 years of industry experience. He has been with UBS Financial Services since 2008. Outside of his advisory role, he serves on the Board of the BYC Foundation, which funds educational sailing programs in the Buffalo area. 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 range of capital markets services and proprietary research to support tailored client strategies.

Julie Barr is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 licenses and bringing nine years of industry experience. She has worked with multiple firms over her career, including LPL Financial and Robert J. Ellis Financial Advisors, LLC. Outside of her advisory work, Barr owns and operates The Crossroads Doula, a life coaching business unrelated to financial services. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutional investors. The firm provides tailored non-discretionary planning and consulting using risk profiling and analytical modeling, and supports institutional consulting and portfolio management through a wide network of advisors and affiliated firms.

James Mcelhinny Jr. is a financial advisor at OSAIC with 29 years of industry experience and holds Series 63 and Series 65 credentials. He has worked at several firms, including American Portfolios Financial Services and Cadaret, Grant & Co., Inc. Outside of securities, he occasionally writes life insurance, disability insurance, and long-term care policies through a separate insurance broker. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporations. The firm employs a model-based investment approach with tools such as portfolio optimization and risk-tolerance assessments and offers a range of advisory and brokerage services across multiple platforms and account types.

Jeffrey Kilgore is a financial advisor at Wells Fargo Clearing with seven years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2021. His prior experience includes roles at Citizens Bank, Citizens Securities, Inc., and several other financial institutions. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and employs over 14,000 financial advisors, offering both brokerage and advisory solutions.

Lawrence Mentkowski is a financial advisor with Equitable Advisors in Williamsville, NY, holding a Series 66 designation and 10 years of industry experience. He has been with Equitable Advisors since 2016 and previously worked at Axa Advisors, LLC. Outside of his financial advisory work, he operates a self-defense training and wellness business serving corporations and the public. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm utilizes a range of advisory programs and third-party asset managers, focusing on tailored client solutions without sponsoring its own wrap fee program.

Michael Skrzypczyk is a CFA® charterholder with five years of industry experience. He is currently affiliated with Raymond James Financial and has prior experience at Nottingham Advisors and SUNY Geneseo. Michael is based in Orchard Park, NY. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm emphasizes tailored, non-discretionary planning using analytical tools and supports a wide network of advisors and affiliated firms.

Jacob Wood is a financial advisor at Raymond James Financial with four years of industry experience. He holds the Series 66 designation and previously worked at Commonwealth Financial Network. Outside of his advisory role, he serves as Vice President of Buffalo Financial, a support company where he provides financial advice and trading services. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, and institutional investors. The firm provides tailored, non-discretionary consulting using risk profiling and analytical tools and supports advisory programs with a focus on municipal and public finance.