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 eight years of industry experience. He holds Series 65 and Series 63 licenses and has been with Thrivent since 2017. Prior to his financial services career, he worked for over two decades at Carolina Furniture. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering goal-based analyses and planning across various financial topics through a network of financial advisors. The firm’s services focus on planning rather than portfolio management or institutional advisory mandates.

Robert Peters is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and 30 years of industry experience. His prior roles include positions at Cetera and Foresters Financial, spanning from 1996 to 2024. He is also the owner of Previs Wealth, LLC, a business used for shared expenses and succession planning. OSAIC serves a diverse client base including individual and high-net-worth investors, institutional pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and investment advisory services with a range of portfolios managed through firm tools and third-party platforms.

Melissa Darnell is a Series 66 licensed financial advisor with 11 years of industry experience, currently affiliated with OSAIC since 2024. She has previously worked at Cetera Investment Service LLC, LPL Financial LLC, Evans Bank, and Saperston Asset Management. In addition to her advisory work, she provides customer service and administrative support as a registered sales assistant at Previs Wealth. OSAIC Wealth, Inc. serves a wide range of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools and automated rebalancing to construct diversified portfolios and supports various managed account solutions.

Timothy Bubar is a Series 66-credentialed financial advisor with 11 years of industry experience, currently with Cetera. His previous roles include positions at Avantax Advisory Services and 1st Global Capital Corp. Outside of his advisory work, he serves as Treasurer and volunteer board member for the nonprofit World Trade Center Buffalo Niagara. Cetera Investment Advisers LLC is a nationwide SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers across various program structures.

Rosemarie Rath is a financial advisor with Equitable Advisors in Williamsville, NY, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. She previously worked at L&M Financial Services for 24 years and Axa Advisors for 2 years before joining Equitable Advisors in 2018. Outside of her advisory role, she is the owner and artist of Designs by Roses, a creative business based in Orchard Park, NY. 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 third-party programs. The firm operates a hybrid referral and implementation model, utilizing various asset managers and offering both advisory and brokerage services.

David Turkasz is a financial advisor with J.P. Morgan Securities in East Aurora, NY. He holds Series 63 and Series 65 licenses and has six years of industry experience. His prior roles include positions at Citizens Securities, Equitable Advisors, and Axa Advisors. J.P. Morgan Securities provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Patrick Topper is a financial advisor with LPL Enterprise holding a Series 66 designation and 11 years of industry experience. Prior to joining LPL Enterprise in 2024, he worked at Prudential Insurance Company of America and Pruco Securities, LLC from 2014 to 2024. Outside of his advisory role, he is involved with a financial services business under a DBA affiliated with LPL. LPL Enterprise, LLC serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers advisory and brokerage services, utilizing model portfolios, third-party asset managers, and a range of financial and insurance products through an integrated platform.

Stacey Prowse is a financial advisor at LPL Financial with 26 years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at OSAIC, Royal Alliance Associates Inc., and Georgetown Capital Group. Outside of advising, she also serves as a notary in Williamsville, NY. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, and corporations. The firm offers diverse advisory programs and financial planning services supported by model portfolios, research, and advanced technologies.

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, holding a Series 66 designation and bringing 20 years of industry experience. His prior roles include positions at Equity Services, Inc., Mass Mutual Life Insurance Company, Prudential Insurance Company of America, and Voya Financial Advisors. He is also involved in the sales and service of fixed insurance products through NPA Financial and The Vermont Agency. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing research and model portfolios from LPL Research and third-party subadvisors.

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 prior roles include five years at Citigroup and work at Lawley Retirement Advisors. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad planning menu that includes retirement, education, risk, and wealth-transfer planning. The firm uses proprietary research and tools to develop tailored recommendations delivered through meetings and written summaries.

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, 65, and 66 licenses and 19 years of industry experience. His prior experience includes roles at Janney Montgomery Scott, Wells Fargo Clearing Services, HSBC Securities, HSBC Bank USA, and Hennion and Walsh. 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 consulting services, utilizing both discretionary and non-discretionary management supported by proprietary research and third-party subadvisors.

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 designations and has worked at firms including Cadaret Grant, Blackridge Asset Management, and LPL Financial. In addition to his advisory work, he owns several businesses such as Retirement Analytics, Inc., providing financial planning and insurance services, and CW Virtual Offices, which offers virtual office services. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm employs a range of advisory platforms and tools to construct portfolios across various asset classes, offering both discretionary and non-discretionary account management.