Michael Mancuso is a financial advisor with Cetera who holds 43 years of industry experience. He has worked with Cetera since 2019 and previously spent 37 years at Foresters Financial. Outside of his advisory role, he is involved in land ownership. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients through various portfolio management and financial planning services.

Joshua Lauer is a financial advisor with Mass Mutual Investors Services who holds Series 63 and Series 66 licenses and has 12 years of industry experience. His career includes roles at Massachusetts Mutual Life Insurance Company, MSI Financial Services, Queen City Financial Services, Nylife Securities, and New York Life Insurance Company. Outside of his advisory work, he acts as an insurance agent specializing in individual and group life and health insurance, and he refers clients for potential Employee Retention Credit eligibility. Mass Mutual Investors Services 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.

Mark King is a financial advisor at Equitable Advisors with 23 years of industry experience. He holds a Series 66 designation and has been with Equitable Advisors and its predecessor, Axa Advisors, since 2002. Outside of his advisory role, King is actively involved in several community organizations in Buffalo, NY, including serving as Co-Chairperson of the Community Health Worker Network of Buffalo and Chairman of the Board for the Community Health Center of Buffalo. 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 various third-party asset managers. The firm employs a hybrid referral and implementation model and offers both advisory and brokerage/insurance channels to implement client recommendations.

Samuel Hamlett is a financial advisor at LPL Financial with 27 years of industry experience. He holds Series 63 and Series 66 designations. His previous roles include positions at Wilmington Brokerage Services Company and M&T Securities, Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Michael Coffaro is a financial advisor with Equitable Advisors in Williamsville, NY, holding Series 63 and Series 65 licenses and having nine years of industry experience. He has been with Equitable Advisors since 2016 and previously worked at AXA Advisors, LLC. Equitable Advisors serves individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients by offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates under a dual registration as an SEC-registered investment adviser and broker-dealer, utilizing LPL-sponsored programs and endorsed TAMPs to deliver advisory and brokerage solutions.

Daniel Mcauliffe is a financial advisor with Equitable Advisors in Williamsville, NY, holding Series 63 and Series 65 licenses and bringing 17 years of industry experience. He has been with Equitable Advisors since 2011, previously associated with AXA Advisors during part of that time. Outside of his advisory role, he serves as vice president of the Buffalo Squash Racquettes Association and is a board member of both 716 Squash, Inc. and Child and Family Services. Equitable Advisors provides financial planning, retirement-plan support, and access to asset management for individual investors, retirement plan sponsors, corporations, and charitable organizations. The firm employs a hybrid referral and implementation model utilizing third-party asset managers and offers a range of advisory and brokerage services tailored to client goals and risk tolerance.

James Stark is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and bringing 27 years of industry experience. He has worked at LPL Financial since 2021 and also holds roles at M&T Securities and M&T Bank starting in 2015. 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. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, employing discretionary and non-discretionary management supported by research and model portfolios.

Bryan Plunkett is a financial advisor with Equitable Advisors in Lewiston, NY, holding Series 63 and Series 65 licenses and bringing eight years of industry experience. His prior roles include positions at Axa Advisors, First Source Advantage, and service in the United States Army. He serves on the Board of Directors of the Historical Association of Lewiston. Equitable Advisors provides financial planning, retirement-plan support, and asset management services to individual investors, retirement plan sponsors, corporations, and charitable organizations. The firm operates a hybrid referral and implementation model, utilizing third-party asset managers and offering both advisory and brokerage channels.

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. He joined Merrill in 2019, attracted by their comprehensive financial strategies and focus on providing a world-class customer experience. In his role, Mr. Kenline emphasizes a team approach while meeting directly with clients to oversee their financial health and help them pursue their long-term goals. Mr. Kenline specializes in areas such as Corporate Executive Services, Equity Compensation Services, Liquidity Management, Managing New Wealth, Personal Retirement Planning, Portfolio Management Services, 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. Outside of his professional work, Mr. Kenline is 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 Mass Mutual Investors Services in Amherst, NY. He holds a Series 63 designation and has 11 years of industry experience, having been with MML Investors Services since 2015 and affiliated with MassMutual since 2012. MML 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 offers financial planning, asset management, wrap programs, money-manager programs, and educational seminars.

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.