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.

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.

Kevin Birt is a financial advisor with LPL Financial in Hamburg, NY, holding Series 63 and Series 66 licenses and has 24 years of industry experience. His prior roles include positions at Black Diamond Custom Wealth Management, Commonwealth Financial Network, Lincoln Financial Securities, and HSBC Securities. Outside of his advisory work, he participates as an experimental participant at the University at Buffalo and is involved in product tasting for Lactalis USA. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and portfolio management options, supporting its network of over 22,900 advisors with advanced operational and research tools.

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.