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.

Dale Bielicki is a financial advisor at Thrivent Investment Management with nine years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Thrivent Financial and Thrivent Investment Management since 2017. Prior to his career in finance, he spent 22 years at Carolina Furniture. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive written recommendations on various financial planning topics without implementing those recommendations directly. The firm combines planning with managed-account programs through a consolidated billing option called “WealthPlan,” while maintaining separate planning and asset management services.

Cameron Blair is a financial advisor with Equitable Advisors holding a Series 66 designation and less than one year of industry experience. His prior work history includes roles at Alignerr, Asclepius, eBay, Hugo Boss, Inspire Dental Group, and Napoli per la moda. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement consulting, and asset management programs through a network of Investment Adviser Representatives, utilizing both proprietary and third-party investment solutions.

Robert Peters is a financial advisor at Osaic Wealth, INC with 30 years of industry experience. He holds Series 63 and Series 65 credentials. His prior roles include positions at Cetera and Foresters Financial. Outside of his advisory work, he owns an LLC focused on shared business expenses and succession planning and also operates as an insurance producer assisting clients with life insurance needs. Osaic Wealth serves a diverse clientele including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm employs a model-based investment process with tools for asset allocation, portfolio optimization, and risk management, and supports various program types including Unified Managed Accounts, third-party manager programs, and retirement plan consulting.

Melissa Darnell is a financial advisor at OSAIC with 11 years of industry experience. She holds a Series 66 designation and has previously worked at Cetera Investment Service LLC, LPL Financial LLC, Evans Bank, and Merrill. In addition to her advisory role, she provides customer service and administrative support as a registered sales assistant at Previs Wealth. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers brokerage and advisory services through various programs and uses a model-based investment process with tools such as risk-tolerance questionnaires, portfolio optimization, and discretionary management strategies.

Rosemarie Rath is a financial advisor with Equitable Advisors, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. Prior to joining Equitable Advisors in 2018, she worked at L&M Financial Services for 24 years and at Axa Advisors, LLC for 2 years. Outside of her financial advisory role, she owns and operates Designs by Roses, an art business based in Orchard Park, NY. Equitable Advisors serves individual clients across the wealth spectrum, as well as pension plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and asset management through a network of Investment Adviser Representatives and third-party asset managers.

David Turkasz is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms including Citizens Securities, Equitable Advisors, and AXA Advisors. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a selective group of Wealth Advisors. Their non-discretionary program emphasizes written asset allocation advice, investment manager and fund searches, and customized performance reporting supported by centralized due diligence and a range of affiliated portfolio services.

Patrick Topper is a financial advisor with LPL Enterprise holding a Series 66 designation and 11 years of industry experience. He has worked at Prudential Insurance Company of America since 2014 and was previously affiliated with Pruco Securities, LLC for 10 years. Outside of his advisory role, he is involved with Topper Financial, a service entity related to insurance and financial services. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and various corporate and charitable entities. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and offers access to third-party asset managers and wrap programs.

Stacey Prowse is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and having 26 years of industry experience. Prior to joining LPL in 2025, she worked at OSAIC for two years and Royal Alliance Associates Inc. for 23 years. She is also a notary in Williamsville, NY. 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 advisory and brokerage services, including financial planning and access to third-party asset management, utilizing both discretionary and non-discretionary strategies.

Sheila Visco is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and one year of industry experience. Her prior work includes roles at Jordan Wealth Management and Calamar Financial Group, with earlier experience at C & M Capital Resources, Inc. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform that enables advisors to utilize a range of portfolio management options, including affiliated and third-party models, bespoke strategies, and various program structures across discretionary and non-discretionary authorities.

Michael Ragusa is a financial advisor with LPL Financial in Amherst, NY, holding a Series 66 designation and 20 years of industry experience. His prior roles include positions at Equity Services, Inc., Mass Mutual, Prudential, and Voya Financial. He is also involved as an agent and managing director in the sales and service of fixed insurance products through other business activities. 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 portfolios, third-party asset management, and institutional platforms.

Michael Davern is a financial advisor at Wells Fargo Advisors in Williamsville, NY, holding Series 65 and Series 63 licenses with four years of industry experience. His work history includes roles at Wells Fargo Advisors and Citigroup. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutions, offering a broad range of investment and planning services tailored to clients meeting certain net-worth thresholds.

Nora Sullivan is a financial advisor at UBS Financial Services with four years of industry experience. She holds the Series 66 designation and previously worked as a self-employed advisor for 21 years. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, employing proprietary capital market assumptions and research-based asset allocations to tailor financial plans. The firm combines institutional trading capabilities with wealth management, operating as a broker-dealer, investment adviser, and futures commission merchant.

Robert Ervolina is a financial advisor with Cetera who holds Series 63, 65, and 66 credentials and has 27 years of industry experience. He serves as CEO of Lifetime Wealth Management Group, Inc., where he focuses on financial, estate, retirement, and investment planning. He is also the sole trustee of his late grandfather’s estate. Cetera Investment Advisers LLC is an SEC-registered adviser offering portfolio management, financial planning, and retirement services through a nationwide network of independent advisors. The firm serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts with a multi-manager platform that includes affiliated and third-party investment strategies.

Nathan Ibarra is a financial advisor with LPL Financial, holding Series 63, Series 65, and Series 66 licenses and bringing 19 years of industry experience. His previous roles include positions at Janney Montgomery Scott LLC, Wells Fargo Clearing Services LLC, HSBC Securities (USA) Inc., HSBC Bank USA, National Association, and Guggenheim Investments. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides advisory and brokerage services through a large network of investment adviser representatives, offering a range of financial planning, portfolio management, and institutional platforms.

Jordan Kessel is a financial advisor with Mass Mutual Investors Services in Amherst, NY, holding a Series 63 designation and 17 years of industry experience. His career includes roles at Metlife Securities and MassMutual Life Insurance Company. Outside of advisory work, he is a notary public and an insurance agent specializing in life, disability, long-term care, and fixed annuities. 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 financial planning, asset management, and educational programs, focusing on collaborative, goal-based planning without investment discretion as part of the advisory relationship.

George Boller is a financial advisor with Primerica Advisors, holding a Series 63 designation and bringing 29 years of industry experience. He has been associated with Primerica Financial Services since 1993 and is involved in various business activities including roles with America Legion Post 567 and Fedeson Commercial Heating. Boller also participates in community leadership as a committee chairman. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients. The firm uses third-party asset managers and a tiered wrap fee structure, focusing on curated investment models rather than institutional pension or profit-sharing plan management.

Wyatt Arthurs is a CFP®-credentialed financial advisor with over 20 years of industry experience, currently serving at UBS Financial Services since 2015. He holds a Series 66 license and is based in Buffalo, NY. Outside of his advisory role, he is a member of the Board of Directors for the Algonquin Campership Fund, a charitable foundation, and serves on the Board of Directors of the Cherry Hill Club in Ontario, Canada, where he is slated to become President in 2026. UBS Financial Services Inc. provides brokerage and investment advisory services to individual, corporate, and institutional clients, offering financial planning, portfolio management, and access to mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management services, leveraging proprietary research and model-based asset allocations to tailor financial strategies.

John Penna is a financial advisor at OSAIC with 28 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including Cadaret Grant, Blackridge Asset Management, and LPL Financial. In addition to his advisory work, he owns CW Virtual Offices, providing virtual office services, and analyzes client finances related to Medicaid for Elder Care Solutions of Western New York. OSAIC Wealth serves a diverse client base that includes retail investors, retirement plan participants, charities, and corporate clients. The firm offers a range of brokerage and advisory services with an investment approach focused on model-based asset allocation, portfolio optimization, and access to multiple custodial platforms.

Robert Rosen is a financial advisor with OSAIC, holding Series 63 and 65 licenses and bringing 40 years of industry experience. He previously worked at Securities America Inc. for 17 years and has been involved with the United States Golf Association and local high school hockey coaching for over two decades. Rosen also serves as president and board member of the Buffalo District Golf Association. OSAIC Wealth serves a wide range of retail and institutional clients, offering brokerage and advisory services through a multi-advisor platform. The firm emphasizes model-based asset allocation and portfolio optimization while supporting various investment strategies and programs.