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.

Anders Johansson is a financial advisor at LPL Financial with 37 years of industry experience. He has held positions at LPL Financial since 2012 and previously worked at HSBC Securities (USA) Inc. from 2007 to 2012. Johansson also has a role with Northwest Bank, referring clients to bank partners. 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 financial planning, model portfolios, third-party asset management, and institutional platforms, combining advisory services with a wide range of financial products and bank partnerships.

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.

Robert Carroll is a financial advisor at OSAIC with 36 years of industry experience and holds a Series 63 designation. Prior to joining OSAIC in 2024, he worked at American Portfolios Financial Services and Avantax Advisory Services, and he also owns a CPA firm providing tax preparation and accounting services. Outside of advisory work, Carroll is involved in several business activities including ownership interests in local real estate and a golf course restaurant, where he performs accounting and tax compliance roles. OSAIC serves a diverse client base including retail, high-net-worth, institutional, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm employs model-based asset allocation and portfolio optimization strategies and supports a variety of investment programs delivered through a complex affiliate network.

Samuel Gugliuzza is a financial advisor at Mass Mutual Investors Services with 24 years of industry experience. He has worked previously at Mutual/United Of Omaha from 2000 to 2018 before joining Massachusetts Mutual Life Insurance Company and Mass Mutual Investors Services in 2018. He is also a partner at Summit Advisory Services LLC and involved in various insurance-related activities including health and group health insurance. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides comprehensive financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, ongoing financial planning using advanced analytical tools and offers specialized programs such as estate settlement and divorce planning.

James Mcnamara is a financial advisor at RBC Capital Markets with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has been with RBC Capital Markets since 2011. Mcnamara serves on the board of directors for Snowpine Village, a residential condominium community. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs and portfolio management services tailored to clients’ risk profiles, utilizing both in-house and third-party investment managers.

Adam Goldfarb is a financial advisor with Raymond James Financial, holding the ChFC® and Series 63 designations and bringing 13 years of industry experience. He has been associated with Raymond James Financial Services Advisors, Inc. since 2012 and operates Goldfarb Financial. Outside of his advisory role, he is a partner in Follow the Hummingbird Consulting, a firm that provides consulting services to socially responsible and environmentally conscious startups. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a broad range of clients, including individuals, institutions, and charitable organizations. The firm uses tailored, non-discretionary planning and analytical tools to assist clients in achieving their financial goals.

Peter Simmonds is a Wealth Management Advisor at Merrill Lynch Wealth Management. He is a co-founder of The Simmonds Group, a team of financial professionals offering services such as retirement planning, income planning, wealth management, and legacy planning. Peter works with retirees, near-retirees, their families, and business owners primarily in Western and Central New York, as well as clients across the United States. With professional designations including Accredited Asset Management Specialist (AAMS), CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), Chartered SRI Counselor (CSRIC), and Personal Investment Advisor (PIA), Peter applies a disciplined and conservative investment philosophy. He incorporates Sustainable and Socially Responsible Investments (SRI) as key risk management components in portfolio management, seeking to balance reasonable growth with the client's values and goals. Peter holds a Master's Degree from Northeastern University and a Bachelor's Degree from Siena College. He is involved in community organizations such as the Baldwinsville Youth Soccer Association, David's Refuge, Friends of Beaver Lake Nature Center, and the Siena College Alumni Association. Personal interests include baseball, cooking, gardening, genealogy, reading, soccer, spending time with family, and traveling.

Nathan Way is a financial advisor with Mass Mutual Investors Services, holding the ChFC® designation and Series 63 license, with 22 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and previously held roles at MetLife Securities Inc., New England Securities, and New England Financial. Outside of his advisory work, he owns a hobby business buying and selling sportscards via eBay and in-person sales, and serves as Vice President on the board of directors for Endeavor Health Services and the Mid-Erie Foundation. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that offers ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers, utilizing firm-approved analytical tools and event-driven planning programs.

Jennifer Odonnell is a financial advisor with RBC Capital Markets in Williamsville, NY, holding a Series 63 designation and 29 years of industry experience. She previously worked at Wells Fargo Clearing for 10 years before joining RBC Capital Markets in 2026. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a broad client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers, supported by RBC’s extensive capital markets capabilities.

Michael Peters is a financial advisor with Equitable Advisors in Williamsville, NY, holding Series 63 and Series 65 credentials and 27 years of industry experience. He has worked with Equitable Advisors since 1999, including during its prior affiliation as AXA Advisors. Peters is also a member of The BlackOak Group, LLC. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset-management programs. The firm offers a variety of advisory models and works with third-party asset managers and LPL-sponsored programs while providing ERISA fiduciary services to qualified plans.

James Teller Jr. is a financial advisor with Cetera, holding a Series 66 designation and 22 years of industry experience. He has held roles at firms including Avantax and Woodbury Financial Services and has operated his own practice, Legacy Financial Group, since 2012. Outside of advisory work, he serves as a power of attorney for his wife and other personal legal matters. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporations, charitable clients, and institutions nationwide. The firm offers a range of portfolio management and advisory services through a multi-manager platform that supports various investment strategies and program structures.

Mary Kuehn is a financial advisor at OSAIC with 26 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at firms including Securities America Advisors, Clarion Wealth Management Partners, and Cambridge Investment Research. Outside of her advisory role, she owns a business selling life insurance to family members. OSAIC serves a diverse client base including retail, institutional, and high-net-worth investors, providing brokerage and advisory services through multiple programs such as financial planning, advisor-managed portfolios, and retirement plan consulting. The firm employs a model-based investment process supported by risk-tolerance assessments, portfolio optimization, and a range of discretionary and third-party management strategies.

Michael Gzyl is a financial advisor with Cetera who holds a Series 63 designation and has 11 years of industry experience. He has worked at Cetera Investment Services LLC since 2019 and previously at Foresters Financial Services from 2015 to 2019. Outside of his advisory role, he owns and operates Susie Cuke's Pickle Company and a mobile golf simulator business called Tee Box LLC. Cetera Investment Advisers LLC is an SEC-registered adviser serving a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and consulting services through a multi-manager platform that includes model portfolios, third-party managers, and bespoke strategies, managing over $256 billion in assets through more than 10,000 advisors.

Richard Benkleman is a financial advisor at Merrill with 13 years of industry experience. He holds a Series 66 designation and has previously worked at J.P. Morgan Securities and Bank of America, N.A. during his career. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to fiduciary clients through the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

James Orzech is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 credentials and 35 years of industry experience. He has worked at Raymond James since 2020 and previously spent nine years at UBS Financial Services, Inc. Orzech is also president of Orzech Wealth Management and owner of Noble Wealth Partners, both based in Buffalo, NY. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and corporate clients. The firm offers tailored, non-discretionary planning and supports a wide network of advisors, with specialized capabilities in municipal finance and employer retirement plans.

Adam Glaser is a financial advisor with Equitable Advisors in Williamsville, NY, holding Series 63 and Series 66 designations and 12 years of industry experience. He has been with Equitable Advisors since 2014, including time when the firm was known as AxA Advisors. Equitable Advisors serves a diverse client base, including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and asset-management programs. The firm utilizes a variety of advisory models and third-party asset managers to tailor investment solutions.

Peter Haag is a financial advisor at Ameriprise with 33 years of industry experience. He holds a Series 63 designation and has been with Ameriprise and its affiliates since 2005. Outside of his advisory role, he is the owner and manager of JeaNala LLC, a business based in Clarence Center, NY. Ameriprise is an institutional firm offering a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets. The firm provides a range of advisory, brokerage, and insurance solutions through affiliated companies, utilizing a centralized consulting team and a combination of research and modeling to generate tailored retirement recommendations.

Tahir Jaffri is a financial advisor with Mass Mutual Investors Services, holding the ChFC® designation and Series 63 license, with 30 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and has held positions at MetLife Securities Inc. and Metropolitan Life Insurance Company since 1995. Outside of his advisory work, Jaffri is an insurance agent focusing on health insurance. Mass Mutual 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 offers collaborative, annual financial planning engagements and various investment programs, including educational seminars and specialized planning services.

James Joseph is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has worked at UBS Financial Services for 27 years before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney in 2019. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.