Brian Kern is a financial advisor at Cetera with 12 years of industry experience. He holds a Series 66 designation and has previously worked at Avantax Investment Services, 1st Global Capital Corp, and Lumsden & McCormick, where he continues to serve as a principal providing tax advice and planning. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of over 10,000 independent advisors. The firm offers a range of portfolio management and financial planning services to individuals, retirement plans, corporate, charitable, and institutional clients, utilizing a multi-manager platform with discretionary and non-discretionary account options.

John Zuchlewski is a financial advisor with LPL Financial in Buffalo, NY, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has worked with Manufacturers and Traders Trust Company and M&T Securities, Inc. since 1989 and joined LPL Financial in 2021. 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 financial planning and asset management services delivered through a large network of advisors, utilizing various investment strategies and technology tools.

Robert Fahey is a financial advisor with LPL Financial, holding a Series 66 designation and ten years of industry experience. He previously worked at Cadaret, Grant & Co. and Skrobacz & Company CPA, and he operates Robert F. Fahey Jr. & Associates. 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 wide range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms.

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 Williamsville, NY, holding a Series 66 designation and 18 years of industry experience. He has been with Equitable Advisors since 2008, including its affiliation with Axa Advisors, LLC from 2008 to 2020. Outside of his advisory role, he is involved in insurance-related activities. Equitable Advisors serves a broad client base, including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset-management programs, utilizing both proprietary and third-party solutions delivered through a network of Investment Adviser Representatives.

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.

Jeffrey Hahn is a CFP®-designated financial advisor with 29 years of industry experience, currently affiliated with LPL Financial since 2025. Prior to joining LPL, he spent 28 years at Cadaret, Grant & Co., Inc. In addition to his advisory work, Hahn is a business owner involved in construction and music enterprises, and he participates in local government activities in Williamsville, NY. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a broad network of investment adviser representatives.

Rodd McMinn is a financial advisor with MassMutual Investors Services, holding a Series 63 designation and 33 years of industry experience. He has worked at MassMutual Investors Services since 2017 and was previously with METLIFE Securities Inc for 13 years. Outside of his advisory role, he is also an agent in the life insurance sector. 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 financial planning, asset management, and educational seminars, focusing on collaborative, annual planning relationships that utilize firm-approved analytical tools.

Christopher Rodler is a financial advisor with LPL Financial, holding Series 63, 65, and 66 credentials and six years of industry experience. His prior work includes roles at MML Investors Services, LLC and MassMutual Life Insurance Co, as well as an 18-year career with the New York State Police. 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 portfolio programs, and institutional platforms, supported by extensive advisor tools and a broad network of over 22,800 advisors.

Robert Banas is a financial advisor with LPL Financial, holding a Series 66 designation and 14 years of industry experience. His prior work includes roles at Morgan Stanley Smith Barney LLC and UBS Financial Services. Outside of his advisory work, he is a correspondent and author for WEBR/WLVL Radio in Buffalo, NY, and a writer for Wilco Media. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advisory services delivered through a network of investment adviser representatives.

Donna Menza is a financial advisor with Osaic Wealth, Inc. She holds a Series 63 designation and has 35 years of industry experience. Prior to joining Osaic in 2024, she worked with Securities America Advisors and Cadaret, Grant & Co., Inc. She is also involved in selling life insurance through L&M Group. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisers and advisory platforms. The firm offers integrated brokerage and investment advisory services, financial planning, retirement plan consulting, and access to third-party money managers and wrap programs.

Bryan Tenney is a financial advisor with OSAIC based in Williamsville, NY, holding a Series 63 designation and possessing 33 years of industry experience. He previously worked for Securities America Advisors, Inc. and Securities America, Inc. for 22 years before joining OSAIC in 2024. Outside of his advisory role, he has been involved with the James Lilley Foundation, Inc. for over two decades and has served as a volunteer for the Canisius High School Varsity Baseball Team since 1989. OSAIC serves a diverse range of clients including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools and multiple advisory platforms to manage portfolios with various investment options on both discretionary and non-discretionary bases.

Michael Durant is a financial advisor with Equitable Advisors in Williamsville, NY. He holds the Series 66 designation and has two years of industry experience. Prior to his current role, Durant gained work experience in various companies including Ferraro Pile and Shoring, Thomann Asphalt, and Kiewit Construction. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset-management programs. The firm leverages a network of Investment Adviser Representatives and third-party asset managers to deliver customized investment solutions.

George Gable is a financial advisor with Primerica Advisors in Tonawanda, NY, holding a Series 63 designation and over 32 years of industry experience. He has been with Primerica Advisors since 1993 and has worked with Primerica Financial Services since 1992. Outside of advisory services, he is involved in sales of loan products and home-related services referrals through affiliated Primerica companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which provides model-delivery strategies and a limited number of separately managed account options primarily to individual and high-net-worth clients. The firm uses third-party asset managers and employs a tiered wrap fee structure, focusing on curated model portfolios rather than institutional plan management.

Mark Morlock is a financial advisor with LPL Financial in Buffalo, NY, holding Series 63 and Series 65 licenses and over 30 years of industry experience. He has worked with LPL Financial since 2021 and previously spent 17 years at Cadaret, Grant & Co., Inc. Morlock also operates Morlock & Company, which he founded in 2004, and provides college planning services outside of his investment advisory role. 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, model portfolio programs, third-party asset management, and institutional platforms, supported by comprehensive operational and research tools.

Ngan Cheng is a Series 66-licensed financial advisor with LPL Financial in Amherst, NY, and has 11 years of industry experience. Prior to joining LPL Financial in 2018, Cheng worked at Ogorek Wealth Management and AxA Advisors. Outside of advisory work, Cheng serves as a notary public. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolios, and access to third-party asset managers, supported by technology tools and a broad range of non-advisory financial services.

Joseph Fahey is a CFP® with eight years of industry experience, currently affiliated with LPL Financial. He has held roles at Robert F. Fahey Jr. & Associates since 2018 and previously worked at Cadaret, Grant & Co., Inc. and Ernst & Young. Fahey is also involved as a partner in a real estate rental business. 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 a range of financial planning and investment management services through a large network of advisors, utilizing model portfolios, third-party subadvisors, and customized strategies.

Paul Scribner is a financial advisor with Primerica Advisors in Amherst, NY, holding a Series 63 designation and bringing 24 years of industry experience. He has worked with PFS Investments Inc. and Primerica Financial Services since 2000 and has been involved with St. Joseph's Collegiate Institute since 2017. Outside of advisory work, he is involved in the sales of loan products and home-related services through affiliates of PFS Investments Inc. Primerica Advisors provides discretionary asset management primarily to individual and high-net-worth clients through its Lifetime Investment Program, which offers model-delivery strategies and discretionary separately managed accounts within a wrap-fee structure. The firm curates third-party asset managers and delegates trading to BNY Mellon Advisors, with a distinctive operational model focused on tiered wrap fees and ongoing manager oversight.

Amanda Velarde is a financial advisor with Merrill in Buffalo, NY, holding the Series 66 designation and possessing eight years of industry experience. She has been with Merrill since 2010, totaling sixteen years at the firm. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Michael Steese is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds a Series 66 designation and previously worked at Equitable Advisors, Rupp Pfalzgraf, LLC, and Goldberg Segalla, LLP. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.