Daniel Lawrence is a financial advisor with Cetera who holds Series 63 and Series 66 licenses and has five years of industry experience. His prior roles include positions at LPL Financial, M&T Bank, Equitable Advisors, and KeyBank. Outside of advising, he also works as a Notary Public and has roles with DoorDash and as a valet at the Lockport Town and Country Club. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers portfolio management, financial planning, and access to third-party managers through a multi-manager platform with a range of program options.

Kevin Arndt is a financial advisor with Cambridge Investment Research Advisors, holding Series 63, 65, and 66 credentials and bringing 31 years of industry experience. His prior roles include positions at Securities America Advisors and Next Financial Group Inc. In addition to his advisory work, he is involved with Patient Advantage, a healthcare-related company. Cambridge Investment Research Advisors is a large SEC-registered firm serving individuals, pension plans, charitable organizations, trusts, and other retirement-plan sponsors. The firm offers financial planning, investment management, and retirement plan advisory through a network of independent professionals, utilizing proprietary and third-party strategies across multiple platform arrangements.

Robert Carroll is a financial advisor at OSAIC with 35 years of industry experience. He holds a Series 63 designation and has previously worked at American Portfolios Financial Services and Avantax Advisory Services. Outside of his advisory role, Carroll owns an accounting and tax preparation firm and is involved as an owner or member in several local business ventures, including a golf course and restaurant. OSAIC serves a diverse client base ranging from individual investors to institutions, offering integrated brokerage and advisory services across multiple platforms. The firm employs asset-allocation tools and risk assessments to build portfolios encompassing a broad range of securities, supporting both discretionary and non-discretionary account management.

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 and a certified CFP® Professional. He co-founded The Simmonds Group, a team dedicated to providing comprehensive financial advisory services including retirement planning, legacy planning, socially responsible investing, and wealth management to a diverse clientele ranging from retirees and business owners to families across the United States. With a Master's degree from Northeastern University and a Bachelor's degree from Siena College, Peter holds multiple professional designations such as Accredited Asset Management Specialist (AAMS), Chartered Retirement Planning Counselor (CRPC), Chartered SRI Counselor (CSRIC), and Personal Investment Advisor (PIA). His expertise emphasizes sustainable and socially responsible investments, combining analytical rigor with compassion to guide multi-generational families toward long-term financial success. Peter is actively involved in his community through organizations such as the Baldwinsville Youth Soccer Association, David's Refuge, Friends of Beaver Lake Nature Center, and the Siena College Alumni Association. His personal interests include baseball, cooking, gardening, genealogy, reading, soccer, traveling, and spending time with his family. His approach centers on building trust and collaboration to help clients achieve their financial goals while managing risks effectively.

Anthony Miranda serves as Resident Director and Wealth Management Advisor at Merrill Lynch. He has been with Merrill Lynch Wealth Management since 1997 and is a member of a team of advisors based in Buffalo, New York, that has collectively over 140 years of experience. He focuses on individual wealth management, retirement planning, and manages the Group's 401(k) and profit-sharing plans. Prior to joining Merrill Lynch, Anthony worked in public accounting where he earned his Certified Public Accountant (CPA) designation. Anthony holds multiple professional designations including Certified Financial Planner (CFP), Chartered Retirement Planning Counselor (CRPC), Certified Plan Fiduciary Advisor (CPFA), Certified Exit Planning Advisor (CEPA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned a Bachelor of Arts degree in Accounting from the State University of New York at Albany. Anthony's client focus areas include divorce transition planning, family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, portfolio management services, small business strategies, individual and corporate investment strategy, and retirement income. He does not provide tax advice in his role at Merrill Lynch.

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 at RBC Capital Markets with 29 years of industry experience. She holds the Series 63 designation and previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC for a combined 17 years. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension and profit-sharing 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 its capital-markets and affiliated asset management capabilities.

Michael Peters is a financial advisor with Equitable Advisors in Williamsville, NY, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has been with Equitable Advisors since 1999, including its predecessor firm AXA Advisors, LLC. Outside of his advisory role, he is a member of The BlackOak Group, LLC. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model, utilizing client intake processes to tailor written financial plans and advisory program placements.

James Teller Jr. is a financial advisor with Cetera who holds a Series 66 designation and has 22 years of industry experience. His prior experience includes roles at Avantax Insurance Agency, Avantax Advisory Services, Woodbury Financial Services, Questar Capital Corporation, and Legacy Financial Group, where he also serves as a financial professional. He acts as power of attorney for his wife and for other personal legal matters. Cetera Investment Advisers LLC operates a nationwide network of independent advisors serving individuals, employer-sponsored 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 money managers across various program structures and custodial relationships.

Mary Kuehn is a financial advisor at OSAIC with 25 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at firms including Securities America Advisors, Inc., Clarion Wealth Management Partners, and Cambridge Investment Research. Outside of advising, she owns a business selling life insurance to family members and serves as an administrative assistant at Financial Education Resources. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated financial advisers. The firm offers integrated brokerage and advisory services, financial planning, and access to third-party managed accounts, utilizing asset-allocation tools and automated rebalancing in portfolio construction.

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 at Raymond James Financial with 35 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at UBS Financial Services, Inc. from 2011 to 2020. Orzech is also involved in financial planning and advisory activities through his ownership roles in Noble Wealth Partners and Orzech Wealth Management. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and supports its clients with advanced analytical tools and specialized advisory programs.

Adam Glaser is a financial advisor with Equitable Advisors in Williamsville, NY, holding Series 63 and Series 66 credentials and 11 years of industry experience. He has been with Equitable Advisors since 2014, including its prior affiliation as AxA Advisors. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and various third-party asset managers. The firm uses a hybrid referral and implementation model, combining advisory and brokerage channels to tailor services based on client goals, risk tolerance, and time horizons.

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.