Jonathan Rossi is a financial advisor with Morgan Stanley based in Buffalo, NY, holding a Series 66 designation and bringing 11 years of industry experience. He has worked at Morgan Stanley since 2012, including four years with Morgan Stanley Private Bank, NA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs and financial planning services that utilize structured discovery processes and modeling tools to assist clients in developing and managing their financial plans.

Jeffrey Budzinski is a financial advisor with Cetera who holds a Series 63 designation and has 27 years of industry experience. He has worked at several firms, including Lumsden & McCormick Financial Services and Avantax, with a career spanning roles at 1ST Global Advisors and Brock, Schechter & Polakoff, LLP. He currently serves as a financial professional at Lifetime Wealth Management, an affiliate of Lumsden McCormick. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and planning services through a multi-manager platform with access to affiliated and third-party managers and manages over $256 billion in assets across more than 10,000 advisors.

Ethan Jandreau is a financial advisor with Mass Mutual Investors Services in Amherst, NY. He holds a Series 66 designation and has one year of industry experience. Prior to joining Mass Mutual Investors Services and MassMutual Life Insurance Co, he worked at Continental Transmission and spent eight years in full-time education. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers services such as investment strategy analysis, estate settlement, employer-sponsored planning, and educational seminars.

Kristina Trybus is a financial advisor at Raymond James Financial with five years of industry experience. She holds a Series 66 designation and has worked previously at Merrill, Bank of America, and Wells Fargo Clearing. She also serves as a financial advisor associate with Plail Wealth Management, assisting with financial planning and client service. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth investors, pension plans, charitable organizations, and state and municipal entities. The firm offers tailored, primarily non-discretionary advisory solutions and specialized programs such as the SIMPLE IRA Employer Advisory & Consulting Services for small businesses.

Frederick Rickan is a financial advisor with Morgan Stanley in Williamsville, NY, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. He has worked with Morgan Stanley and its affiliates since 2007 and currently coaches in the Lou Ehrig Youth Baseball League. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets.

Mark Klocke is a financial advisor with Primerica Advisors in West Seneca, NY, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has worked with PFS Investment Services since 1999 and with Primerica Financial Services since 1996. In addition to investment services, he is involved in the sale of loan products and home security and automation referrals through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, which serves individual and high-net-worth clients using model-delivery strategies and selectively managed accounts. The firm employs third-party asset managers and provides an operational model centered on tiered wrap fees and ongoing oversight of investment models.

Daniel Lawrence is a financial advisor with Cetera who holds Series 63 and Series 66 licenses and has five years of industry experience. His prior roles include positions at LPL Financial, M&T Bank, Equitable Advisors, and KeyBank. Outside of advising, he also works as a Notary Public and has roles with DoorDash and as a valet at the Lockport Town and Country Club. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers portfolio management, financial planning, and access to third-party managers through a multi-manager platform with a range of program options.

Anders Johansson is a financial advisor with LPL Financial and holds Series 63 and Series 65 credentials. He has 37 years of industry experience and has been with LPL Financial since 2012. Outside of his advisory work, he is involved with Northwest Bank in a financial institution capacity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs, financial planning, and retirement plan consulting, offering both discretionary and non-discretionary management supported by research, model portfolios, and various technology solutions.

Kevin Arndt is a financial advisor with Cambridge Investment Research Advisors, holding Series 63, 65, and 66 credentials and bringing 31 years of industry experience. His prior roles include positions at Securities America Advisors and Next Financial Group Inc. In addition to his advisory work, he is involved with Patient Advantage, a healthcare-related company. Cambridge Investment Research Advisors is a large SEC-registered firm serving individuals, pension plans, charitable organizations, trusts, and other retirement-plan sponsors. The firm offers financial planning, investment management, and retirement plan advisory through a network of independent professionals, utilizing proprietary and third-party strategies across multiple platform arrangements.

Robert Carroll is a financial advisor at OSAIC with 35 years of industry experience. He holds a Series 63 designation and has previously worked at American Portfolios Financial Services and Avantax Advisory Services. Outside of his advisory role, Carroll owns an accounting and tax preparation firm and is involved as an owner or member in several local business ventures, including a golf course and restaurant. OSAIC serves a diverse client base ranging from individual investors to institutions, offering integrated brokerage and advisory services across multiple platforms. The firm employs asset-allocation tools and risk assessments to build portfolios encompassing a broad range of securities, supporting both discretionary and non-discretionary account management.

Samuel Gugliuzza is a financial advisor at Mass Mutual Investors Services with 24 years of industry experience. He has worked previously at Mutual/United Of Omaha from 2000 to 2018 before joining Massachusetts Mutual Life Insurance Company and Mass Mutual Investors Services in 2018. He is also a partner at Summit Advisory Services LLC and involved in various insurance-related activities including health and group health insurance. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides comprehensive financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, ongoing financial planning using advanced analytical tools and offers specialized programs such as estate settlement and divorce planning.

James Mcnamara is a financial advisor at RBC Capital Markets with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has been with RBC Capital Markets since 2011. Mcnamara serves on the board of directors for Snowpine Village, a residential condominium community. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs and portfolio management services tailored to clients’ risk profiles, utilizing both in-house and third-party investment managers.

Adam Goldfarb is a financial advisor at Raymond James Financial Services Advisors, Inc. with 13 years of industry experience. He holds the ChFC® and Series 63 designations and has been with Raymond James since 2012. Outside of his advisory role, he is a partner at Follow the Hummingbird Consulting, a firm that works with socially responsible and environmentally conscious startups to develop their mission, vision, and business plans. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and charitable organizations. The firm offers financial planning and non-discretionary investment consulting, emphasizing tailored financial plans and investment recommendations supported by extensive research and a broad affiliate network.

Peter Simmonds is a Wealth Management Advisor at Merrill Lynch Wealth Management and a co-founder of The Simmonds Group. He works with retirees, near-retirees, their families, and business owners, providing services such as retirement planning, income planning, wealth management, and legacy planning. Peter focuses on helping clients build, preserve, and distribute their wealth while addressing both the emotional and practical aspects of financial management. Peter holds a Master's Degree from Northeastern University and a Bachelor's Degree from Siena College. He has earned several professional designations, including Accredited Asset Management Specialist (AAMS), CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), Chartered SRI Counselor (CSRIC), and Personal Investment Advisor (PIA). His approach incorporates Sustainable and Socially Responsible Investments as key components of portfolio risk management. Peter is involved in his community through organizations such as the Baldwinsville Youth Soccer Association, David's Refuge, Friends of Beaver Lake Nature Center, and the Siena College Alumni Association. His personal interests include baseball, cooking, gardening, genealogy, reading, soccer, spending time with family, and traveling.

Anthony Miranda is the Resident Director and Wealth Management Advisor at Merrill. He has been with Merrill Lynch Wealth Management since 1997, initially working in the institutional finance department in New York and Canada until 2002. In 2003, he began his career as a Financial Advisor in the Buffalo office and is part of a team with over 140 years of cumulative experience serving clients in Buffalo, New York, and nationwide. Anthony's expertise includes individual wealth management, retirement planning, and managing 401(k) and profit sharing plans. His client focus areas cover Divorce Transition Planning, Family Wealth Management Strategies, Liquidity Management, Managing New Wealth, Personal Retirement Planning, Portfolio Management Services, Small Business Strategies, Individual and Corporate Investment Strategy, and Retirement Income. He holds a BA in Accounting from the State University of New York at Albany and earned his Certified Public Accountant (CPA) designation during his time in public accounting. Anthony also holds several professional designations, including Certified Financial Planner (CFP), Chartered Retirement Planning Counselor (CRPC), Certified Plan Fiduciary Advisor (CPFA), Certified Exit Planning Advisor (CEPA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC).

Nathan Way is a financial advisor with Mass Mutual Investors Services, holding the ChFC® designation and Series 63 license, with 22 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and previously held roles at MetLife Securities Inc., New England Securities, and New England Financial. Outside of his advisory work, he owns a hobby business buying and selling sportscards via eBay and in-person sales, and serves as Vice President on the board of directors for Endeavor Health Services and the Mid-Erie Foundation. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that offers ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers, utilizing firm-approved analytical tools and event-driven planning programs.

Jennifer Odonnell is a financial advisor at RBC Capital Markets with 28 years of industry experience. She previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC for a combined 17 years. Jennifer holds a Series 63 designation. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs featuring discretionary and non-discretionary portfolio management, financial planning, and brokerage services tailored to clients’ Advisory Risk Profiles.

Michael Peters is a financial advisor with Equitable Advisors in Williamsville, NY, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has been with Equitable Advisors since 1999, including its predecessor firm AXA Advisors, LLC. Outside of his advisory role, he is a member of The BlackOak Group, LLC. 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, utilizing client intake processes to tailor written financial plans and advisory program placements.

James Teller Jr. is a financial advisor with Cetera who holds a Series 66 designation and has 22 years of industry experience. His prior experience includes roles at Avantax Insurance Agency, Avantax Advisory Services, Woodbury Financial Services, Questar Capital Corporation, and Legacy Financial Group, where he also serves as a financial professional. He acts as power of attorney for his wife and for other personal legal matters. Cetera Investment Advisers LLC operates a nationwide network of independent advisors serving individuals, 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 across various program structures and custodial relationships.

Mary Kuehn is a financial advisor at OSAIC with 25 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at firms including Securities America Advisors, Inc., Clarion Wealth Management Partners, and Cambridge Investment Research. Outside of advising, she owns a business selling life insurance to family members and serves as an administrative assistant at Financial Education Resources. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated financial advisers. The firm offers integrated brokerage and advisory services, financial planning, and access to third-party managed accounts, utilizing asset-allocation tools and automated rebalancing in portfolio construction.