James Gallagher is a financial advisor at Merrill with 23 years of industry experience. He has held roles at Merrill Lynch, Pierce, Fenner & Smith, and Bank of America, N.A. since 2007. Gallagher holds the Series 63 and Series 66 designations. Merrill provides managed account services through the Select Portfolio Solutions program, serving a broad range of clients including individuals, high-net-worth clients, and institutional fiduciaries. The firm offers a variety of model-based and discretionary investment strategies integrated with Bank of America’s corporate platform.

Timothy Lilley is a financial advisor at Ameriprise Financial Services with 42 years of industry experience. He holds a Series 63 designation and has worked at Ameriprise since 2016. Outside of advisory work, he serves on the Board of Directors for Spectrum Health Services. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides personalized retirement income planning through written recommendation reports and ongoing advice. The firm’s approach integrates proprietary investment research, third-party data, and algorithmic tools, with investment options influenced by affiliated product partnerships.

David Hettrick is a financial advisor at Equitable Advisors with a Series 66 designation and one year of industry experience. His prior work history includes roles at DataSure24, Networking Technologies, ATTO Technologies, and Teracai. He serves as a trustee of a family trust. Equitable Advisors provides financial planning, retirement-plan support, and access to asset management for individual investors, retirement plan sponsors, corporations, and charitable organizations. The firm operates a hybrid referral and implementation model, utilizing third-party asset managers and offering both advisory and brokerage channels.

James Mosko is a financial advisor with Equitable Advisors in Lancaster, NY, holding a Series 66 designation and five years of industry experience. He has been with Equitable Advisors since 2020 and previously worked at Wegmans for twelve years. 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 a wide range of third-party asset managers. The firm employs a hybrid referral and implementation model, tailoring services through a detailed client intake process and offering both advisory and brokerage/insurance channels to implement client recommendations.

Eric Kiel is a financial advisor with Mass Mutual Investors Services in Amherst, NY, holding a Series 66 designation and three years of industry experience. His prior work includes roles at Geico, NUWaste, and involvement with Hamburg Youth Lacrosse and the Erie County Fair Event Center. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars using firm-approved analytical tools and structured annual planning engagements.

Phillip Hayduk is a financial advisor with Equitable Advisors and holds Series 63 and Series 66 licenses. He has six years of industry experience, including roles at AXA Advisors and academic positions at Niagara University, Moreno Valley College, and San Diego State University. Equitable Advisors serves a diverse client base, including individuals, high-net-worth clients, retirement plans, and institutions, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and broker-dealer, utilizing LPL-sponsored programs and endorsed TAMPs to deliver advisory and brokerage solutions.

John Scott is a Series 66 licensed financial advisor with LPL Financial based in Buffalo, NY. He has one year of experience at LPL Financial and has been affiliated with M&T Bank since 2015. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide. The firm offers financial planning, various advisory programs, retirement plan consulting, and brokerage services through a broad network of investment adviser representatives.

Jean Catanese is a financial advisor at LPL Financial with 26 years of industry experience. He holds a Series 63 designation and has previously worked at Cadaret, Grant & Co., Inc. and Security Mutual. Catanese has been involved with Capital Management Group and United States Life Insurance for several decades. 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 financial planning and advisory programs, utilizing model portfolios, research, and technology-driven strategies.

Steven Glamuzina is a financial advisor with Equitable Advisors in Williamsville, NY, holding a Series 66 designation and 17 years of industry experience. He has been with Equitable Advisors since 2008, following his tenure at AXA Advisors. Outside of his advisory role, he serves on the finance council of St. Gregory the Great Parish and is a board member and minority owner of Prosrix Inc., a company specializing in NFC-based authentication and marketing for wine and spirits. 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 uses a hybrid referral and implementation model, offering both advisory and brokerage channels to implement client recommendations.

Brett Komm is a financial advisor with Osaic Wealth, Inc., holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. Prior to joining Osaic in 2024, he worked at Cetera Investment Services and Foresters Financial. He is also a licensed insurance producer offering life and health insurance products. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisers, providing integrated brokerage and advisory services with access to multiple investment platforms and third-party money managers.

Steven Barber is a financial advisor at LPL Financial with 16 years of industry experience. He previously worked at Janney Montgomery Scott and Bank of America, including Merrill Lynch. Outside of his advisory role, he is a co-owner of a real estate rental LLC. LPL Financial serves 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, retirement consulting, and brokerage services with both discretionary and non-discretionary management options.

William Walter is a financial advisor with Ameriprise in Williamsville, NY, holding a Series 63 designation and 34 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with significant investable assets, providing detailed Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in its approach and delivers customized recommendations through a centralized retirement-income consulting team.

Nicholas Kelly is a financial advisor with Equitable Advisors in Williamsville, NY, holding a Series 66 designation and 20 years of industry experience. He has been with Equitable Advisors since 2005 and was previously affiliated with Axa Advisors, 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 various third-party asset managers. The firm operates a hybrid referral and implementation model, offering both advisory and brokerage channels tailored to client goals, risk tolerance, and time horizons.

Jeffrey Andruschat is a financial advisor at OSAIC with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Securities America Advisors, Inc. and First National Investors. He has been involved in fee-based advisory services and insurance sales throughout his career. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable organizations through a large network of affiliated advisors. The firm offers a wide range of investment advisory and brokerage services, utilizing asset allocation tools, risk-tolerance assessments, and automated portfolio rebalancing.

Brian Kern is a financial advisor at Cetera with 11 years of industry experience. He holds a Series 66 designation and has worked at firms including Avantax Investment Services and 1st Global Capital Corp. Kern is also a principal at Lumsden & McCormick, LLP, where he provides tax advice, compliance, and planning services. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a variety of portfolio management and financial planning services, utilizing a multi-manager platform with access to both affiliated and third-party managers.

John Zuchlewski is a financial advisor with LPL Financial in Buffalo, NY, holding Series 63 and Series 65 licenses and having 31 years of industry experience. He has worked at Manufacturers and Traders Trust Company and M&T Securities since 1989 and joined LPL Financial in 2021. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a wide range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management, supported by research and model portfolios from LPL Research and third-party subadvisors.

Robert Fahey is a financial advisor with LPL Financial, holding a Series 66 designation and having 10 years of industry experience. He has worked at Cadaret, Grant & Co., and operated Robert F. Fahey Jr. & Associates since 2015. Fahey is also involved in non-variable insurance activities. LPL Financial serves a wide range of clients including individuals, retirement plans, and institutions, offering various advisory programs, financial planning, and investment management supported by research and model portfolios.

Derek Szczupakowski is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and 15 years of industry experience. He has been with MML Investors Services and Mass Mutual Life Insurance Company since 2013. Outside of his advisory role, he is involved in property and casualty sales and provides financial consulting for a family dentistry practice, advising on investments, debt payoff, and employee benefits. Mass Mutual Investors Services operates as 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, with a focus on collaborative, goal-based planning using firm-approved analytical tools.

Patrick Denisco is a financial advisor with Equitable Advisors in Lakewood, NY, holding a Series 66 designation and 17 years of industry experience. He has been with Equitable Advisors since 2008 and previously worked at Axa Advisors, 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 that includes advisory and brokerage channels, emphasizing tailored client intake and ongoing advisory relationships.

Kathleen Kumm is a financial advisor at UBS Financial Services with 37 years of industry experience. She has been with UBS since 1995 and holds Series 63 and Series 65 licenses. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, offering proprietary research and integrated capital markets solutions.