Stephen Wzontek is a financial advisor at LPL Financial with 45 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Royal Alliance Associates, INC. for 34 years and OSAIC for 2 years. 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, supporting a network of over 22,800 advisors.

Leslie Zoerb is a financial advisor with Merrill in Buffalo, NY, holding Series 63 and Series 66 registrations and bringing 26 years of industry experience. Zoerb has been with Merrill Lynch, Pierce, Fenner & Smith, Inc. since 1998. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Melissa Smith is a financial advisor with LPL Enterprise holding a Series 66 designation and has been with the firm since 2026. Her prior work experience includes roles outside the financial industry at companies such as New Era Cap and Sherwin Williams. LPL Enterprise, LLC offers investment advisory and brokerage services to a diverse client base including individual and high-net-worth investors, retirement plans, and corporate and charitable entities. The firm employs a model-driven investment approach and provides access to third-party asset managers, financial planning, and various affiliated trust and insurance services.

Peter Trigg is a financial advisor with UBS Financial Services in Buffalo, NY, holding Series 63 and Series 65 credentials and bringing 36 years of industry experience. He has worked at UBS since 2007 and has been with Mcdonald Investments Inc. since 1998. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client strategies.

Danielle Robertson is a financial advisor with Mass Mutual Investors Services who holds a Series 63 designation and has 19 years of industry experience. Her career includes roles at MassMutual Life Insurance Co and MetLife Securities Inc. Outside of her advisory work, she is involved in coaching beach body fitness and operates as an independent insurance agent with a focus on life settlements. 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, emphasizing collaborative, goal-oriented planning without investment discretion.

Anthony Tripi is a financial advisor with OSAIC, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. He previously worked at American Portfolios Financial Services, Inc. for 19 years and has been associated with Carroll Financial Service for over three decades. Outside of advising, he is a founder and national recording artist of the band Tripi, involved in creating, performing, and marketing music. OSAIC serves a wide range of retail and institutional clients through an extensive network of financial advisers, offering integrated brokerage and advisory services along with access to multiple investment platforms and third-party money managers.

John Pacella is a financial advisor with Wells Fargo Clearing in Williamsville, NY, holding Series 63 and Series 66 credentials and bringing 34 years of industry experience. He has been with Wells Fargo Clearing since 2016, following a seven-year tenure at Wells Fargo Advisors LLC. Wells Fargo Clearing specializes in retirement plan consulting for qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is guided by investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Dominick Lanuti is a financial advisor at LPL Financial with 20 years of industry experience. He holds Series 63 and Series 66 designations and has worked previously at M&T Securities and HSBC Securities (USA) Inc. since 2010. Lanuti is based in Williamsville, NY. 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 financial planning and investment management solutions through a large network of investment adviser representatives.

William Hoock is a financial advisor with Ameriprise in Williamsville, NY, holding Series 63 and Series 65 credentials and 33 years of industry experience. He has been with Ameriprise since 2004. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written recommendation reports through a centralized consulting team, serving clients with a broad range of advisory, brokerage, and insurance solutions.

Kimberly Hobart is a financial advisor at Merrill with 25 years of industry experience. She holds a Series 66 designation and has been with Merrill since 1995. Outside of her advisory role, she is a managing member and general partner of HGR Property LLC, where she assists with bookkeeping for the company. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

John Coogan is a financial advisor at Mass Mutual Investors Services with 44 years of industry experience. He has been with MML Investors Services, Inc. since 1991 and with Massachusetts Mutual Life Insurance Company since 1990. He holds Series 63 and Series 65 licenses. Coogan serves as chairman of the finance and investment committee for Elmlawn Cemetery, a 501(c)(3) organization. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that operates as a subsidiary of MassMutual. The firm provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers.

Justin Wainwright is a financial advisor with LPL Financial holding a Series 66 credential and five years of industry experience. His career includes roles at M&T Bank, KeyBank NA, CitiGroup, and Morgan Stanley. He is based in Buffalo, NY. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Justin La Rosa is a financial advisor at Mass Mutual Investors Services with Series 65 and Series 66 licenses and five years of industry experience. His background includes roles in education and financial services, including employment at Mass Mutual Life Insurance Co. and various school districts. Outside of advising, he consults as a strength and nutrition advisor, providing personalized training programs and guided workouts. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, and educational seminars, employing collaborative, software-assisted strategies to develop written recommendations tailored to client goals.

John Macdonald is a financial advisor with Equitable Advisors in Williamsville, NY, holding a Series 66 designation and 16 years of industry experience. He has worked at Equitable Advisors since 2013 and prior to that was with Axa Advisors, LLC. Outside of his advisory role, he is involved as an educator with ACN Inc. and serves as a referral agent for Bison Insurance Services, LLC. Equitable Advisors serves individual, institutional, and charitable clients with financial planning, retirement plan consulting, and asset management programs. The firm utilizes a range of advisory models including third-party asset managers and LPL-sponsored programs, focusing on matching clients to suitable investment solutions without sponsoring its own wrap fee program.

Mark Cryan is a financial advisor at OSAIC with 31 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at SagePoint Financial, Inc. for 14 years. Outside of his advisory role, he is an independent insurance agent. OSAIC Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisers. The firm offers brokerage and investment advisory services, financial planning, retirement consulting, and access to third-party money managers, utilizing firm-provided tools and multiple platforms to construct portfolios across various asset classes.

Chau Casillas is a financial advisor at LPL Enterprise with a Series 66 credential and two years of industry experience. Prior to joining LPL Enterprise, Casillas worked at The Prudential Insurance Company of America and Pruco Securities LLC. Outside of finance, Casillas has experience managing a small business, Divine Nail Spa Inc. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, and institutions. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, with notable offerings that include trustee services and insurance products through affiliated entities.

Mary Setter is a financial advisor with LPL Financial in Buffalo, NY, holding Series 63 and Series 65 licenses and 11 years of industry experience. She also provides financial planning and consulting services through Lawley Retirement Advisors, an independent registered investment advisory firm she started in 2025. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm supports its network with a range of investment programs and utilizes various operational and research tools to assist its advisors.

David Goldpenny is a financial advisor at LPL Financial with 30 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at CUSO Financial Services, LP and Cuna Mutual Group, including Cuna Brokerage Services, Inc. He also operates Cornerstone Investment & Retirement Services, a business related to his advisory activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions, offering a range of financial planning and investment management solutions through a large network of investment adviser representatives.

Candice Uzarowski is a financial advisor with LPL Financial holding Series 63 and Series 65 licenses and 29 years of experience in the industry. Her prior roles include positions at CUSO Financial Services, LP and Calamar Financial Group. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides access to financial planning, model portfolios, third-party asset management, and institutional platforms, supporting advisors with tools including machine learning for operational and research purposes.

Nancy Beale is a financial advisor with Morgan Stanley in Williamsville, NY, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and has been with Citigroup Global Markets since 1987. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm provides a range of advisory programs including financial planning services that use structured discovery processes and modeling tools to support client outcomes.