Victor Tomasulo III is a financial advisor with Mass Mutual Investors Services who holds a Series 63 designation and has 30 years of industry experience. He has been with MML Investor Service Inc and MassMutual since 2005. MassMutual Investors Services operates as 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, and educational seminars, using firm-approved tools to develop written recommendations without discretionary authority.

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 at OSAIC with 45 years of industry experience. He holds a Series 63 designation and was previously associated with Securities America Advisors, Inc. and SECURITIES AMERICA, inc. for 21 years. Outside of advisory services, he is involved in reviewing clients' annuities through his insurance-related activities. OSAIC serves a broad mix of retail and institutional clients, offering brokerage and advisory services across various programs including comprehensive financial planning and advisor-managed portfolios. The firm’s investment approach emphasizes model-based asset allocation and portfolio optimization supported by analytical tools and multiple management options.

Donald Nowak Jr. is a financial advisor at OSAIC with 11 years of industry experience. He holds Series 63 and Series 66 licenses. In addition to his advisory role, he operates a small eBay business selling personal items. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporations, offering a range of brokerage and advisory services supported by a model-based investment process and a multi-advisor platform.

Sabrina Harris is a financial advisor with LPL Financial, holding Series 65 and Series 63 licenses and five years of industry experience. She previously worked at Ameriprise for four years and at FIT School for three years. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions through a large network of investment adviser representatives. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Luke Genewick is a financial advisor at Equitable Advisors with a Series 66 designation and one year of industry experience. His prior work includes roles at Samuel's Grande Manor, CUTCO Knives, and the Village of Lancaster Department of Public Works. Outside the financial industry, he has experience in education and retail businesses. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm uses a network of Investment Adviser Representatives and third-party program sponsors to deliver its investment solutions.

Sally Allen is a financial advisor with UBS Financial Services in Buffalo, NY, holding a Series 63 designation and 24 years of industry experience. She has been with UBS since 2016. Outside of her advisory work, she serves as an officer and treasurer for Lancaster Unleashed, a nonprofit organization focused on raising funds for a dog park. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management solutions supported by proprietary research and model-based asset allocations.

Edward Lisowski is a financial advisor with LPL Financial who holds the CFP® designation and Series 63 and 65 licenses. He has 30 years of industry experience, including roles at M&T Bank and M&T Securities from 2007 through 2021 before joining LPL Financial in 2021. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to third-party asset management, supported by a large network of investment adviser representatives.

William Stark III is a financial advisor with Fidelity, holding Series 63 and Series 66 credentials and 24 years of industry experience. He has worked at Fidelity Investments since 2011, including roles with Fidelity Personal and Workplace Advisors from 2018 to 2025. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, as well as registered investment companies. The firm employs a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios using mutual funds, ETFs, and ETPs, and it maintains formal advisory roles and governance procedures for multiple registered investment companies.

James Keddie is a financial advisor with Equitable Advisors, holding a Series 66 designation and 19 years of industry experience. He has worked at Equitable Advisors since 2007, including time when it operated as Axa Advisors, LLC. Outside of his advisory role, he serves as the executor of his father's estate. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm’s approach involves assessing client information and risk tolerance to match them with appropriate advisory models or discretionary managers, utilizing both proprietary and third-party programs.

Joan Simmonds is a Wealth Management Advisor at Merrill Lynch Wealth Management. She focuses on retirement income planning, risk reduction strategies, and intergenerational wealth transfer strategies. Her role involves helping clients navigate important life transitions and safeguard their assets. Joan has been a Financial Advisor since 2006 and holds Series 7 and 66 FINRA registrations. She earned a Master of Education in Counseling from Bridgewater State College and a Bachelor of Arts in Social Work from Siena College. Joan holds the professional designations of CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). In her work, Joan conducts personal consultations to help clients identify and articulate their unique financial and life goals, developing retirement-income plans and wealth transfer strategies accordingly. She also reviews clients' progress and provides regular updates. Outside of her professional work, Joan is involved with the American Heart Association's Go Red For Women initiative and enjoys boating, reading, and dancing.

Phoebe Rodriguez is a financial advisor at Merrill with 25 years of industry experience and holds a Series 66 designation. She has been with Merrill since 1995 and has also worked at Bank of America, N.A. since 2026. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Darleen Connor is a financial advisor at Morgan Stanley with 28 years of industry experience. She holds a Series 63 designation and has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2009 and 2015, respectively. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and offers planning services that incorporate firm-approved tools and market-based modeling techniques.

Noah Buettner is a Senior Financial Advisor with The Buettner Group at Merrill Lynch Wealth Management. He offers a comprehensive and tailored approach to wealth management by understanding clients' financial situations and what is most important to them. Through Merrill and Bank of America, Noah provides access to investment insights as well as banking and lending solutions to address the various aspects of clients' financial lives. His expertise includes college education planning, divorce transition planning, employee benefits planning, family wealth management strategies, investment consulting for defined contribution plans, managing new wealth, personal retirement planning, portfolio management services, and retirement income. Noah holds the professional designations Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Noah earned a Bachelor's Degree from Xavier University and a Master's Degree from Georgetown University. In addition to his professional work, he is involved with St. Luke's Mission of Mercy. In his free time, he enjoys biking, chess, golfing, running marathons, skiing, playing soccer, spending time with his family, and traveling.

James Glownia is a financial advisor with LPL Financial in Williamsville, NY, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. He has worked at Linsco/Private Ledger Corp. since 1991. Outside of advisory work, he is involved in fixed non-variable insurance sales through his firm, Glownia Financial Group. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Patrick Allaire is a financial advisor at Osaic Wealth with 26 years of industry experience. He holds Series 63 and Series 65 credentials. His career includes roles at Allaire Financial, Everbank, and Securities America Advisors, and he serves as President and CEO of Allaire Financial Strategies, where he is involved in insurance sales. Osaic Wealth serves a diverse client base including retail and institutional investors, offering brokerage and advisory services through various programs such as comprehensive financial planning and retirement plan consulting. The firm’s investment approach relies on model-based asset allocation and portfolio optimization, utilizing multiple strategies and custodial arrangements to meet client needs.