Keith Schottman is a financial advisor at Osaic with 19 years of industry experience. He holds Series 63 and Series 66 designations and worked previously at Securities America Advisors and Securities America Inc. for 14 years. Schottman serves as a board member and past president of the Buffalo Rotary Club, as well as holding positions on the Buffalo Rotary Foundation board, the St Benedict School Board, and the Supervisory Committee of the Town of Cheektowaga Employees Federal Credit Union. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct diversified portfolios, which can be managed on discretionary or non-discretionary bases.

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 at Equitable Advisors with Series 63 and Series 65 licenses and one year of industry experience. Prior to joining Equitable Advisors, she worked at Tristate Financial Advisors and has held various roles at organizations including Age of Pashun, The Chautauqua Center, and Varsity Tutors. Equitable Advisors serves individuals ranging from non-high-net-worth to high-net-worth clients, as well as pension plans, corporations, and charitable organizations. The firm offers financial planning, retirement consulting, and asset management programs delivered through a network of Investment Adviser Representatives, utilizing both proprietary and third-party investment solutions.

Christopher Lauer is a financial advisor with Mass Mutual Investors Services who holds a Series 63 designation and has 44 years of industry experience. He previously worked at MetLife Securities Inc. and Metropolitan Life Insurance Company before joining his current firm. 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 offers financial planning, asset management, and educational seminars, using firm-approved software and collaborative planning approaches without discretionary investment authority.

Peter Walsh is a financial advisor with Raymond James & Associates, holding a Series 63 designation and bringing 39 years of industry experience. He has been with Raymond James & Associates since 2014. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base—including individuals, institutions, and charitable organizations—and offers financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Michael Lis is a financial advisor with LPL Financial, holding a Series 63 designation and 14 years of industry experience. He previously worked at Cadaret, Grant & Co., Inc. for nine years and at Sunbridge Management Inc. for three years. Lis is also involved with the Elma Land Conservancy LLC, a business entity focused on tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and portfolio management services, utilizing both proprietary and third-party strategies across various account types.

Louie Sardo Jr. is a financial advisor at Equitable Advisors with eight years of industry experience. He holds Series 63 and Series 65 licenses and has been with Equitable Advisors since 2018, following a prior role at Axa Advisors. Outside of his advisory work, he serves as a board member and secretary of PLANT WNY. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, and charitable organizations, utilizing a range of advisory programs and third-party asset managers.

Dominic Vivolo is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Ameriprise since 2016, including its affiliated entities. Outside of his advisory role, he serves as a volunteer fireman with the Snyder Fire Department and operates a consulting business, Creative Management Consultants, LLC. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Bradley Wesolowski is a financial advisor with Merrill in Niagara Falls, NY, holding Series 63 and Series 65 credentials and two years of industry experience. His prior work includes roles at LPL Financial LLC, Ameriprise, and KeyBank. He has teaching experience at Erie Community College spanning over a decade. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for a range of individual and institutional investors.

John Curvin is a ChFC® credentialed financial advisor with 29 years of industry experience. He is currently with Mass Mutual Investors Services, where he has worked since 2017, and has previous experience at MetLife Resources. Outside of his advisory role, he is involved in business valuation and succession planning as an associate at SFG Consultants and is the owner of Curvin Wealth Solutions, Inc. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, emphasizing collaborative annual planning relationships using firm-approved analytical tools.

Janis Dunworth is a financial advisor with MassMutual Investors Services in Amherst, NY, holding a Series 63 designation and 33 years of industry experience. She has been with MML Investors Services Inc and MassMutual since 2008. Outside of her advisory role, she is an insurance agent focusing on Medicare planning and operates a consulting business. MassMutual 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 uses a collaborative planning approach with firm-approved software to analyze client goals and delivers written recommendations without discretionary authority.

Denise Williams is a financial advisor at Merrill with 24 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Merrill Lynch since 2008. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Luke Topolski is a financial advisor with Equitable Advisors in Williamsville, NY, holding Series 63 and Series 65 licenses and eight years of industry experience. He began his career at Websters Bistro & Bar and Canisius College before joining AXA Advisors and transitioning to Equitable Advisors. Outside of financial advising, he is a partner in Sell Farm North. Equitable Advisors serves a diverse client base that includes individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides financial planning, retirement plan consulting, and asset-management services through a network of Investment Adviser Representatives and relies on a combination of proprietary and third-party advisory programs.

Thomas Blumberg is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. Prior to joining Merrill, he has held roles in the restaurant and hospitality sectors and has experience working with Loyola University and local organizations. Outside of financial advising, he is involved with Underground Pizza Company. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services primarily to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Adam Newman is a Series 66-credentialed financial advisor at LPL Financial with one year of industry experience. His prior roles include positions at CUSO Financial Services and Cornerstone Community FCU, along with earlier experience in the automotive and service industries. 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 provides financial planning and investment management services through a large network of advisors utilizing model portfolios, third-party management, and customized strategies.

Ashley Avery is a financial advisor with Raymond James & Associates in Williamsville, NY, holding a Series 66 designation and five years of industry experience. Prior to joining Raymond James, Avery worked at RBC Capital Markets and Wells Fargo Clearing Services. Outside of finance, Avery provides drop-in pet sitting and house sitting services through a part-time role with A Place for Rover, Inc. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipalities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Alexander Jordan is a CFP® professional with nine years of industry experience, currently associated with Cetera. He has held roles at Cetera Wealth Services, EP Jordan & Associates, and serves as a worship pastor and songwriter at Vessel Church. Additionally, he is involved in collegiate rugby as a referee and owns a music publishing company. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, retirement plans, corporations, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to a variety of program structures and third-party money managers.

Nathan Kross is a financial advisor at LPL Financial with one year of industry experience. He holds a Series 66 designation and has prior experience at Next Financial Group and Brand Name Depot. Outside of advising, he is the owner of Papas Pizza Oven and has authored works through Dancing Dragons LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supported by advanced operational and research tools.