Steven Fretthold is a financial advisor at Equitable Advisors with 17 years of industry experience. He holds a Series 66 designation and has worked at Equitable Advisors and Axa Advisors, LLC since 2009. Outside of his advisory role, he serves as an administrator or executor of an estate and trustee of a trust for a family member. Equitable Advisors serves a broad 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 variety of third-party advisory models and tools.

Jaclyn Greiner is a financial advisor at Raymond James & Associates with 12 years of industry experience. She holds a Series 66 designation and previously worked for Bank of America Merrill Lynch for 13 years before joining her current firm in 2024. Raymond James & Associates is a large, dually registered broker-dealer and investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional investors, and municipal entities, offering financial planning, non-discretionary investment consulting, and specialized municipal advisory services.

Carolyn Forman is a financial advisor at UBS Financial Services with 30 years of industry experience. She has been with UBS since 1998 and holds a Series 63 designation. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, providing a broad range of capital markets and advisory solutions.

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® certificant with 38 years of industry experience, currently affiliated with OSAIC since 2024. His prior experience includes long tenures at Investacorp, Inc. and Securities America Advisors. Outside of his advisory role, he owns and operates a financial services firm offering tax preparation, accounting, and life insurance sales. OSAIC Wealth serves a diverse client base including retail investors, institutional clients, retirement plans, and charities. The firm offers a range of brokerage and advisory services with a model-based investment approach and supports both discretionary and advisor-managed strategies.

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 two years of industry experience. He holds Series 66 and Series 63 licenses and has worked at Equitable Advisors since 2023. Outside of his advisory role, he is involved in a winery business, A Gust of Sun Winery, where he serves as a tasting room attendant. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, institutions, and charitable organizations, utilizing a range of advisory programs and third-party asset managers.

James Cummings is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and bringing 26 years of industry experience. He has been with Wells Fargo Clearing since 2016. Outside of his advisory role, he coaches alpine ski racing in Ellicottville, NY. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, managing approximately $671 billion in assets through over 14,000 financial advisors.

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.

Gerald Ogilvie IV is a financial advisor at Equitable Advisors with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Equitable Advisors since 2015, including prior service at AXA Advisors, LLC. Equitable Advisors serves individuals across the wealth spectrum, pension and profit-sharing plans, corporations, and charitable organizations by providing financial planning, retirement plan consulting, and various asset-management programs. The firm delivers its services through a network of Investment Adviser Representatives and utilizes a mix of proprietary and third-party advisory programs and managers.

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.

Kevin Arndt is a financial advisor with Cambridge Investment Research Advisors, holding Series 63, 65, and 66 designations and 31 years of industry experience. His prior roles include positions at Securities America Advisors and Next Financial Group Inc. He is also involved in healthcare through a small ownership interest in a healthcare-related business. Cambridge Investment Research Advisors serves a wide range of individual and institutional clients by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm manages a multi-billion dollar asset base and provides access to multiple platforms, proprietary model strategies, and third-party advisory services.