Michael Kielbasa is a financial advisor with Equitable Advisors in Williamsville, NY, holding Series 63 and Series 65 licenses and 22 years of industry experience. He has been with Equitable Advisors since 2004 and previously worked at Axa Advisors, LLC. He serves as the executor for his parents' last will and testament. Equitable Advisors provides financial planning, retirement plan support, and asset management services to individual investors, retirement plan sponsors, corporations, and charitable organizations. The firm employs a hybrid referral and implementation model, working with LPL and multiple third-party asset managers to tailor advisory programs based on client goals and risk tolerance.

Reece Bates is a financial advisor with Equitable Advisors in Williamsville, NY, holding a Series 66 designation and three years of industry experience. Prior to joining Equitable Advisors, he worked at Peak and Peak and has experience in various roles including bartending at a resort and bar. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, and institutions, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as a dual-registered SEC investment adviser and broker-dealer and collaborates extensively with program sponsors and third-party managers to provide advisory and brokerage solutions.

Laurie Augustynek is a financial advisor with MassMutual Investors Services and holds a Series 63 designation. She has 13 years of industry experience and has worked with MML Investors Services LLC since 2012. Outside of her advisory role, she is also a licensed fitness trainer. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers comprehensive financial planning, asset management, and educational seminars, structuring planning engagements as collaborative, annual relationships using proprietary analysis tools.

Jason Bird is a Wealth Management Advisor at Merrill Lynch Wealth Management. He joined Merrill in 2019, bringing over 16 years of experience in wealth management. Jason focuses on aligning clients' wealth with their values to support informed financial decision-making and enhance their quality of life. His expertise includes services for endowments, foundations, and non-profits, legacy planning, personal retirement planning, philanthropic planning, small business strategies, socially responsible and ESG investing, as well as individual and corporate investment strategy and retirement income. Jason holds a bachelor's degree from the University at Buffalo, where he also played basketball. Jason is involved in several professional and community organizations, including serving as president of the Park School Board of Trustees and participating on investment committees for the Southern Education Foundation and the University at Buffalo Foundation. He is also a member of the Buffalo Niagara Partnership Diversity & Inclusion Council and the Community Foundation for Greater Buffalo Professional Advisor Council. In his personal time, Jason enjoys basketball, reading, traveling, and spending time with his family.

Scott Marcin is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and 24 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and at MassMutual Life Insurance Company since 2016. Additionally, he is a New York State Notary Public working part-time from his residence. 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 provides ongoing financial planning, asset management, and educational seminars, employing collaborative, technology-supported planning tools without discretionary investment authority.

Keith Schottman is a financial advisor at OSAIC with 18 years of industry experience. He holds Series 63 and Series 66 credentials and previously worked at Securities America Advisors and Securities America Inc. for 14 years. Schottman serves as a board member and past president of local Rotary organizations and is involved with the St. Benedict School Board and the Town of Cheektowaga Employees Federal Credit Union Supervisory Committee. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools and risk assessments to construct portfolios that may include stocks, bonds, mutual funds, ETFs, and alternative investments.

John Tomasello is a financial advisor with Primerica Advisors in Amherst, NY, holding a Series 63 designation and 20 years of industry experience. He has been with Primerica since 2005 and has concurrently worked at Health Force since 2016. Outside of financial advisory, Tomasello is the author of the book *Worrior to Worrior*, focused on developing a relationship with God, and owns Smoking Tees Indoor Golf Center LLC. He also works as an Uber driver on a part-time basis. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and selective separately managed account options primarily for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure, with portfolio implementation delegated to BNY Mellon Advisors.

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.