Todd Tevens is a financial advisor with LPL Financial and holds the Series 66 designation. He has 25 years of industry experience, with prior roles at Royal Alliance Associates, Lawley Retirement Advisors, Lawley, LLC, Cadaret, Grant & Co., Manulife Investment Management, and John Hancock Investment Management. Tevens operates Lawley Retirement Advisors, an independent registered investment advisor firm, where he provides financial planning and consulting services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, participant-level retirement advice, and institutional platforms, supported by extensive advisor tools and oversight of substantial discretionary assets.

Lawrence Pignataro Jr. is a CFP® with 38 years of experience in the financial services industry. He is currently affiliated with OSAIC and has worked previously at Securities America Advisors and Investacorp, Inc. In addition to his advisory work, he owns and operates Pignataro Financial Group, which provides tax preparation, accounting, and life insurance services. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, employing asset-allocation tools and multiple third-party platforms to construct and manage portfolios across a wide range of investment types.

James Nazzaro is a financial advisor with Equitable Advisors in Williamsville, NY, holding a Series 66 designation and one year of industry experience. Prior to joining Equitable Advisors, he worked in various roles including positions at Brazen Brewing and Perla Seafood Bistro. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives, utilizing a range of third-party advisory models and proprietary tools.

Alan Gnoinski is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 25 years of industry experience. He has previously worked with firms including Avantax Advisory Services and Sagepoint Financial, and he is a partner at Lincoln Sparrow Advisors, LLC. Outside of his advisory work, he owns Buffalo Bourdain LLC, a food truck business specializing in gnocchi. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individuals, 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 managers.

Joel Henning is a financial advisor with Mass Mutual Investors Services who holds a Series 63 designation and has 31 years of industry experience. He has worked with Mass Mutual Investors Services since 2017 and has a background with Massachusetts Mutual Life Insurance Company, MetLife Securities Inc., and Metropolitan Life Insurance Company dating back to 1991. In addition to his advisory role, he is also an agent for individual life and fixed annuities. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that operates as a subsidiary of MassMutual, serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, and educational seminars, emphasizing collaborative, annual planning relationships with tools such as Monte Carlo simulations and automated asset-allocation analysis.

Paul Larou is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 54 years of industry experience. His career includes 14 years at Guardian Life and more recent roles at Park Avenue Securities and LPL Financial. Outside of advisory work, he is involved in fixed annuities sales and service. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers various investment programs and advisory services utilizing model portfolios, third-party subadvisors, and customized strategies, supported by technology tools but not for direct investment decisions.

Timothy Stone is a financial advisor at Equitable Advisors with Series 63 and Series 66 credentials and two years of industry experience. Prior to his current role, he worked in various positions including at LA Fitness and A Gust of Sun Winery, where he continues to serve as a tasting room attendant. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension plans, corporations, and charitable organizations. The firm leverages a network of investment adviser representatives and third-party asset managers to deliver a range of advisory programs tailored to client risk profiles and investment needs.

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.

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 Services Advisors, Inc. with five years of industry experience. She holds a Series 66 designation and has worked previously at Wells Fargo Clearing, Merrill, and Bank of America. She also supports Plail Wealth Management as a financial advisor, assisting with client service and financial planning. 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 clients. The firm offers tailored non-discretionary planning and uses analytical tools to illustrate potential outcomes, supporting clients through various advisory programs and maintaining services in municipal and public finance.

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 Investment Advisors LLC, holding Series 63 and Series 66 credentials and possessing five years of industry experience. His prior roles include positions at LPL Financial, Equitable Advisors, Key Investment Services, and KeyBank. Outside of his advisory work, he is employed as a valet at the Lockport Town and Country Club and also works with DoorDash. Cetera Investment Advisors LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with various portfolio management options, access to third-party money managers, and a range of program structures designed to meet diverse client needs.

Anders Johansson is a financial advisor at LPL Financial with 37 years of industry experience. He has held positions at LPL Financial since 2012 and previously worked at HSBC Securities (USA) Inc. from 2007 to 2012. Johansson also has a role with Northwest Bank, referring clients to bank partners. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, combining advisory services with a wide range of financial products and bank partnerships.

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 36 years of industry experience. He holds a Series 63 designation and previously worked at American Portfolios Financial Services and Avantax Advisory Services. Carroll also owns a CPA firm specializing in tax preparation and accounting. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools and automated rebalancing to construct diversified portfolios tailored to client needs.

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 with Raymond James Financial, holding the ChFC® and Series 63 designations and bringing 13 years of industry experience. He has been associated with Raymond James Financial Services Advisors, Inc. since 2012 and operates Goldfarb Financial. Outside of his advisory role, he is a partner in Follow the Hummingbird Consulting, a firm that provides consulting services to socially responsible and environmentally conscious startups. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a broad range of clients, including individuals, institutions, and charitable organizations. The firm uses tailored, non-discretionary planning and analytical tools to assist clients in achieving their financial goals.

Peter Simmonds is a Wealth Management Advisor at Merrill Lynch Wealth Management. He is a co-founder of The Simmonds Group, a team of financial professionals offering services such as retirement planning, income planning, wealth management, and legacy planning. Peter works with retirees, near-retirees, their families, and business owners primarily in Western and Central New York, as well as clients across the United States. With 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), Peter applies a disciplined and conservative investment philosophy. He incorporates Sustainable and Socially Responsible Investments (SRI) as key risk management components in portfolio management, seeking to balance reasonable growth with the client's values and goals. Peter holds a Master's Degree from Northeastern University and a Bachelor's Degree from Siena College. He is involved in community organizations such as the Baldwinsville Youth Soccer Association, David's Refuge, Friends of Beaver Lake Nature Center, and the Siena College Alumni Association. Personal interests include baseball, cooking, gardening, genealogy, reading, soccer, spending time with family, and traveling.