Daniel Di Natale is a financial advisor with LPL Financial in Buffalo, NY, holding Series 63 and Series 65 designations and seven years of industry experience. He has worked with LPL Financial since 2021 and has prior experience at M&T Securities and M&T Bank dating back to 2016. Di Natale is also a Notary Public affiliated with M&T Bank. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a broad range of advisory programs, financial planning, and brokerage services with discretionary and non-discretionary management supported by internal and third-party research.

Scott Weber is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and bringing 12 years of industry experience. His prior roles include positions at KEY Investment Services LLC, KEY BANK, PRUCO Securities, LLC, and The Prudential Insurance Company of America. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Ryan Judson is a financial advisor with Mass Mutual Investors Services in Amherst, NY, holding Series 63 and Series 65 licenses and seven years of industry experience. Prior to joining Mass Mutual in 2021, he worked at Northwestern Mutual in various roles from 2017 to 2021. He is also the founder of Big Fish Advisor, a social media marketing business. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser providing financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual planning engagements using firm-approved software and delivers recommendations primarily on investment categories and strategies.

Diane Beresniewicz is a financial advisor at RBC Capital Markets with 24 years of industry experience. She holds a Series 66 designation and has been with RBC Wealth Management since 2008. RBC Wealth Management serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs that provide discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services tailored to each client’s risk profile.

Christina Bottega is a financial advisor at RBC Capital Markets with 19 years of industry experience. She holds a Series 66 designation and previously worked at UBS Financial Services for 22 years before joining RBC in 2024. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers a variety of advisory programs with customizable investment strategies implemented through a combination of in-house and third-party managers.

Lisa Yuhnke is a financial advisor at Equitable Advisors with seven years of industry experience. She holds the Series 66 designation and has worked at Equitable Advisors since 2018. Prior to her advisory career, she was employed at Aurubis Buffalo, Inc. for eleven years and was involved with Lularoe from 2016 to 2018. She serves as a board member of the Chamber of Commerce of Tonawanda, 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 LPL programs and third-party asset managers. The firm uses a hybrid referral and implementation model, combining advisory and brokerage channels to tailor services to client goals and risk tolerance.

Michael Knavel is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and 15 years of industry experience. He has been with Equitable Advisors since 2011 and previously worked at Axa Advisors. Equitable Advisors serves individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients by providing 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, leveraging LPL-sponsored programs and endorsed TAMPs to deliver advisory and brokerage solutions.

John Downing is a CFP®-certified financial advisor with eight years of industry experience. He is currently with LPL Financial and also operates Downing Financial Group. His prior experience includes roles at Cadaret, Grant & Co., Inc., and Goodway Group. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, and corporations through a national network of advisers. The firm offers various advisory programs, financial planning, and retirement consulting, providing both discretionary and non-discretionary management supported by research and model portfolios.

Matthew Scheff is a financial advisor at LPL Financial with three years of industry experience. He holds the Series 63 and Series 65 licenses and has previously worked at Cadaret Grant & Co., Inc., Scheff Thompson Cress Investment Group, Raymond James Financial Services, Inc., and ACV Auctions. 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, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by model portfolios, research, and various technology tools.

Matthew Francis is a financial advisor with Raymond James Financial in Buffalo, NY, holding a Series 66 designation and four years of industry experience. His prior work includes roles at Merrill Lynch Pierce Fenner & Smith Inc. and Noble Wealth Partners. He is also involved as an associate with Plail Wealth Management, contributing to client servicing, financial planning, and marketing activities. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm offers financial planning and non-discretionary investment consulting, with a distinctive focus on advisory and implementation-support services rather than discretionary management.

Miche Needham is a financial advisor at Cetera with 12 years of industry experience and holds a Series 66 designation. She has previously worked at Avantax Investment Services, Avantax Advisory Services, and 1st Global Capital Corp. Outside of her advisory role, she serves as Chair of the Board of Directors for the Buffalo and Erie County Botanical Gardens Society, a living museum focused on plant collection, education, and research. Cetera Investment Advisers LLC is an SEC-registered firm that provides a multi-manager platform and a wide range of investment and retirement services to individual, corporate, charitable, and institutional clients through a large network of independent advisors.

Jonathan Behuniak is a financial advisor at OSAIC with one year of industry experience. He holds a Series 66 designation and has previously worked at LPL Financial, Northwest Bank, and Mollot & Hardy. Outside of his advisory role, he serves as a registered office assistant and life insurance agent for L&M Group Limited. OSAIC serves a diverse client base that includes individual investors, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides a range of services such as brokerage and investment advisory, financial planning, retirement consulting, and access to third-party money managers, utilizing a variety of tools and platforms to tailor portfolio management.

David Eno is a financial advisor with OSAIC based in West Seneca, NY, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. His career includes longstanding roles with Royal Alliance Associates, Inc., Royal Financial Group, and United Securities Alliance since 2003. In addition to advisory services, he offers life insurance and fixed annuities to clients as part of their financial plans. OSAIC Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisers, providing integrated brokerage and investment advisory services. The firm utilizes a variety of investment tools and third-party programs to construct and manage portfolios that include multiple asset classes on both discretionary and non-discretionary bases.

William Moran is a financial advisor at Osaic Wealth, Inc. with 35 years of industry experience and holds the Series 63 designation. His career includes over a decade with Securities America Advisors, Inc., and he has operated William C. Moran & Associates, P.C. since 1990. Moran serves as a board member of the William and Diane Hein Foundation, a charitable organization. Osaic Wealth, Inc. serves a wide range of retail and institutional clients, offering integrated brokerage and advisory services, including financial planning, retirement consulting, and access to third-party money managers. The firm employs asset-allocation tools and automated rebalancing to manage diversified portfolios across multiple investment types on discretionary or non-discretionary bases.

J. Austin Houlding is a Senior Vice President and Senior Financial Advisor at Merrill Lynch Wealth Management. He has been with Merrill Lynch since 2009, advising accomplished clients and their families across the United States on wealth preservation, transfer, and stewardship. Within his team, he oversees business plan design and implementation, and manages fixed income portfolios. Austin holds both a Bachelor of Science degree and a Master of Science degree in International Business from D’Youville College. He holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). His areas of expertise include executive compensation, equity compensation services, family wealth management strategies, institutional and corporate benefit services, personal retirement planning, and more. He has been involved with the United Way of Buffalo and Erie County, having previously served as Vice Chair. In his personal time, Austin enjoys golfing, tennis, and spending time with his family.

Andrew Ferenczy is a financial advisor with OSAIC, holding a Series 66 designation and beginning his industry experience in 2024. Prior to joining OSAIC in 2025, he was with L&M Wealth Management. He attended Michigan State University and completed his high school education at Williamsville North High School. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage and investment advisory services, including financial planning and retirement plan consulting. The firm employs various portfolio construction tools and provides access to third-party money managers and wrap programs.

Chalise Krentz is a financial advisor at Equitable Advisors with a Series 66 designation. She has over a decade of experience in the financial services industry, including 12 years at Lockwood Asset Management Group and current ownership of TrueSpeed Logistics, a non-investment-related business. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations, providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm uses a hybrid referral and implementation model, combining advisory and brokerage channels to tailor services based on client goals, risk tolerance, and time horizon.

Nicholas Gnacinski is a financial advisor with Mass Mutual Investors Services in Amherst, NY. He holds a Series 63 designation and has 14 years of industry experience. His prior work includes roles at Massachusetts Mutual Life Insurance Company and METLIFE SECURITIES Inc. 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 provides financial planning, asset management, and educational seminars, focusing on collaborative annual planning engagements using firm-approved analytical tools.

Jeffrey Zaffino is a financial advisor at UBS Financial Services with eight years of industry experience. He has worked at UBS since 2017 and previously spent eight years at Arch Capital Group Ltd. Jeffrey holds the Series 66 designation and is based in Buffalo, NY. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, leveraging proprietary research and model-based asset allocations to tailor strategies to clients’ goals and risk tolerances.

Dylan Schall is a financial advisor with Equitable Advisors, holding a Series 66 designation and beginning his tenure at the firm in 2025. He has prior experience at Tiede Zoeller from 2018 to 2025, along with roles in home remodeling and agricultural businesses earlier in his career. 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 managers. The firm operates a hybrid referral and implementation model that includes both advisory and brokerage channels, emphasizing tailored client intake and ongoing client review processes.