Matthew Clouden is a financial advisor at LPL Financial with three years of industry experience and holds a Series 66 designation. His prior work includes roles at Cadaret, Grant & Co., Inc., Sgroi Financial, LLC, and several law firms. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management along with model portfolios and research from various sources.

Thomas Russell is a financial advisor with LPL Financial in Kenmore, NY, holding Series 63 and Series 66 designations and 27 years of industry experience. He has been affiliated with LPL Financial since 2010 and has worked with Northwest Bank since 2016. Outside of his advisory work, he is the managing partner of Butterflies and Bucks, a non-investment-related business. LPL Financial serves individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides financial planning, advisory programs, retirement plan consulting, and brokerage services, offering both discretionary and non-discretionary management supported by research and model portfolios.

David Siwiec is a Wealth Management Advisor affiliated with Merrill Lynch Wealth Management. He serves as the primary portfolio strategist for The DBSR Group, a boutique-style team focused on delivering personalized strategies to meet the complex needs of clients across various wealth phases. His clientele includes families, professionals, business owners, trustees, and not-for-profits. David's work involves leveraging the resources of Merrill Lynch and Bank of America to address client goals amid changing market and economic conditions. David's career in financial advising began immediately after earning his bachelor's degree from Canisius College. He started at Shearson Lehman Brothers in Buffalo, progressing through several corporate reorganizations before joining Merrill Lynch Wealth Management. He holds professional designations including Certified Portfolio Manager (CPM) and Personal Investment Advisor (PIA). David has been recognized in the Forbes Best-in-State Wealth Advisors list in both 2021 and 2022. In addition to his professional commitments, David has been actively involved in the community. His past roles include serving as President of the Bond Club of Buffalo and as a board member of the Parkside Community Association. He also volunteers with the Boys and Girls Clubs and participates in mentorship through the Canisius Golden Griffin Fund. David resides in Buffalo, New York, and enjoys spending time with his family.

Kory Kazinski is a financial advisor with Wells Fargo Advisors based in Buffalo, NY, holding a Series 66 designation and four years of industry experience. He attended Elon University from 2015 to 2019 and has worked at Wells Fargo Advisors since 2015. Outside of his role at Wells Fargo, he is involved with PKK Wealth Management, LLC, where he holds a 4.5% ownership interest. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning options, including niche services such as business-owner transition and special-needs planning, using Wells Fargo research and tools to develop tailored recommendations.

Anita Peterson is a financial advisor at Morgan Stanley with 32 years of industry experience. She holds a Series 63 designation and has worked at Morgan Stanley and its affiliates since 2007. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Julie Burgio is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 13 years of industry experience. She previously worked at Merrill for 14 years before joining Wells Fargo Clearing in 2026. Outside of her advisory role, she is a managing member and owner of several rental property LLCs. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm uses research and analytics to evaluate investment options and offers a mix of brokerage and advisory solutions.

Mikaela Donovan is a financial advisor at LPL Enterprise with a Series 66 designation and less than one year of industry experience. Prior to entering the financial services field, she has worked in retail and service positions, including roles at LensCrafters and Starbucks. LPL Enterprise, LLC serves a diverse client base that includes individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, model wealth portfolio programs, third-party asset management arrangements, and access to various brokerage and insurance products.

Thomas Czechowski is a financial advisor with LPL Financial in Hamburg, NY, holding a Series 63 designation and 23 years of industry experience. He has been with LPL Financial since 2003. Outside of finance, he has written, composed, and recorded music that has appeared in radio, television, and films, occasionally earning royalty income. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a variety 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 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.

James Wiatrowski is a financial advisor with Primerica Advisors in Buffalo, NY, holding Series 63 and Series 65 registrations and bringing 25 years of industry experience. He has worked at PFS Investments Inc. since 2011 and has been co-owner of Silver Creek Holding Corporation since 2006. Outside of his advisory role, he is involved in the tax preparation business through Silver Creek Holding Corporation and participates in referral activities related to home security and automation products. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

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 services for endowments, foundations, and non-profits, legacy planning, philanthropic planning, personal retirement planning, socially responsible and values-based investing, individual and corporate investment strategy, and retirement income. He holds a bachelor's degree from the University at Buffalo, where he also played basketball. Jason is a Certified Financial Planner (CFP) and holds the Certified Exit Planning Advisor (CEPA) designation, among other professional credentials. He is involved with several professional organizations, including the Buffalo Niagara Partnership Diversity & Inclusion Council and the Community Foundation for Greater Buffalo Professional Advisor Council. Jason serves on multiple boards and committees such as the Park School Board of Trustees, where he is President, the Southern Education Foundation Investment Committee, and the University at Buffalo Foundation Board of Trustees Investment Committee. His personal interests include basketball, reading, spending time with his family, and traveling.

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.