Jodie Borlaug is a financial advisor at OSAIC with 19 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at OSAIC since 2023 and Sagepoint Financial, Inc. for over 10 years. Outside of her advisory role, she offers Medicare supplement, advantage, and prescription drug plans through multiple insurance carriers. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated advisers, providing brokerage and investment advisory services, financial planning, and access to third-party money managers and wrap programs. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct portfolios across various asset types and supports both discretionary and non-discretionary management.

Salpi Doering is a financial advisor with Morgan Stanley in Buffalo, NY, holding Series 63 and Series 65 licenses and 20 years of industry experience. Her career includes roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC since 2016, as well as positions at Bank of America and Merrill from 2014 to 2016. Morgan Stanley Wealth Management serves both individual and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm utilizes structured planning tools and firm-approved methodologies to support clients, managing approximately $2.74 trillion in client assets.

Sweta Rao is a financial advisor with Equitable Advisors in Williamsville, NY, holding Series 65 and Series 63 credentials and one year of industry experience. Her prior roles include positions at Tristate Financial Advisors and Age of Pashun, among others. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporate, charitable, and institutional clients. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, operating extensively through LPL-sponsored programs and endorsed TAMPs.

Christopher Lauer is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and bringing 43 years of industry experience. His prior roles include positions at MetLife Securities Inc. and Metropolitan Life Insurance Company. Mass Mutual Investors Services, LLC is an SEC-registered broker-dealer and investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers structured, collaborative planning engagements using firm-approved analytical tools and also provides programs such as wrap accounts and educational seminars.

Peter Walsh is a financial advisor with Raymond James & Associates, holding a Series 63 designation and bringing 39 years of industry experience. He has been with Raymond James & Associates since 2014. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base—including individuals, institutions, and charitable organizations—and offers financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Michael Lis is a financial advisor at LPL Financial with 14 years of industry experience. He previously worked at Cadaret, Grant & Co., Inc. for nine years and concurrently at Sunbridge Management Inc. for three years. Lis is based in Niagara Falls, NY, and holds a Series 63 designation. He is involved with Elma Land Conservancy LLC, a business entity for tax and investment purposes. 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 offers a range of financial planning and advisory programs, including model portfolios and retirement plan consulting, and provides both discretionary and non-discretionary management services.

Louie Sardo Jr. is a financial advisor with Equitable Advisors in Williamsville, NY, holding Series 63 and Series 65 licenses and seven years of industry experience. Prior to joining Equitable Advisors, he worked at Axa Advisors and held various roles in outdoor power equipment and landscape services. He serves as board member and secretary of PLANT WNY. 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 both advisory and brokerage channels to tailor services based on client goals, risk tolerance, and time horizon.

Dominic Vivolo is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Ameriprise since 2016, including its affiliated entities. Outside of his advisory role, he serves as a volunteer fireman with the Snyder Fire Department and operates a consulting business, Creative Management Consultants, LLC. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Bradley Wesolowski is a financial advisor with Merrill in Niagara Falls, NY, holding Series 63 and Series 65 credentials and two years of industry experience. His prior work includes roles at LPL Financial LLC, Ameriprise, and KeyBank. He has teaching experience at Erie Community College spanning over a decade. 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, offering model-based and discretionary strategies for a range of individual and institutional investors.

John Curvin is a ChFC® credentialed financial advisor with 29 years of industry experience. He is currently with Mass Mutual Investors Services, where he has worked since 2017, and has previous experience at MetLife Resources. Outside of his advisory role, he is involved in business valuation and succession planning as an associate at SFG Consultants and is the owner of Curvin Wealth Solutions, Inc. MassMutual 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 provides ongoing financial planning, asset management, and educational seminars, emphasizing collaborative annual planning relationships using firm-approved analytical tools.

Janis Dunworth is a financial advisor with MassMutual Investors Services in Amherst, NY, holding a Series 63 designation and 33 years of industry experience. She has been with MML Investors Services Inc and MassMutual since 2008. Outside of her advisory role, she is an insurance agent focusing on Medicare planning and operates a consulting business. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses a collaborative planning approach with firm-approved software to analyze client goals and delivers written recommendations without discretionary authority.

Denise Williams is a financial advisor at Merrill with 24 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Merrill Lynch since 2008. 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 offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Luke Topolski is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 designations and seven years of industry experience. He has worked at Equitable Advisors since 2018 and previously at Axa Advisors, LLC. Outside of his advisory role, he is a partner in Sell Farm North, a non-investment business. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations, providing financial planning, retirement plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model and offers both advisory and brokerage/insurance channels to implement client recommendations.

Thomas Blumberg is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. Prior to joining Merrill, he has held roles in the restaurant and hospitality sectors and has experience working with Loyola University and local organizations. Outside of financial advising, he is involved with Underground Pizza Company. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services primarily to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Adam Newman is a financial advisor at LPL Financial with a Series 66 credential. He has been in the industry since 2024 and previously held positions at Cornerstone Community FCU and CUSO Financial Services, L.P. Outside of finance, his work history includes experience in the automotive and food service industries. 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 offers a range of advisory programs, financial planning, and brokerage services, including discretionary and non-discretionary management supported by internal and third-party research.

Ashley Avery is a financial advisor with Raymond James & Associates in Williamsville, NY, holding a Series 66 designation and five years of industry experience. Prior to joining Raymond James, Avery worked at RBC Capital Markets and Wells Fargo Clearing Services. Outside of finance, Avery provides drop-in pet sitting and house sitting services through a part-time role with A Place for Rover, Inc. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipalities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Alexander Jordan is a CFP® professional with nine years of industry experience, currently associated with Cetera. He has held roles at Cetera Wealth Services, EP Jordan & Associates, and serves as a worship pastor and songwriter at Vessel Church. Additionally, he is involved in collegiate rugby as a referee and owns a music publishing company. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, retirement plans, corporations, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to a variety of program structures and third-party money managers.

Nathan Kross is a Series 66-licensed financial advisor with LPL Financial in Williamsville, NY, with one year of industry experience. Prior to joining LPL, he worked at Next Financial Group and Brand Name Depot, and has been affiliated with the University at Buffalo. Outside of his advisory role, he is the owner of Papas Pizza Oven and an author with Dancing Dragons LLC. 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 representatives. The firm offers a range of financial planning and advisory programs, combining discretionary and non-discretionary management with access to model portfolios, research, and technology-driven investment solutions.

Timothy Mcmahon is a financial advisor at LPL Financial with 17 years of industry experience. He holds the Series 63 and Series 66 licenses. Prior to joining LPL Financial in 2025, he worked at Cadaret, Grant & Co., Inc. for a total of 10 years and at Dibble & Miller P.C. for four years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Michael Tyrpak is a financial advisor with Cambridge Investment Research Advisors and holds a Series 63 designation. He has 17 years of industry experience, including roles at Cambridge Investment Research Advisors since 2012 and operating Tyrpak Financial Associates since 2009. Outside of his advisory work, he serves on the board of the Canisius High School Alumni Association and holds leadership and volunteer roles in several community organizations including the Rotary Club of Niagara Falls and local Cub Scout and Boy Scout groups. Cambridge Investment Research Advisors is an SEC-registered firm that serves a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm provides financial planning, investment management, and retirement plan advisory services through a broad network of independent professionals, offering both discretionary and non-discretionary portfolio strategies tailored to client objectives.