Richard Fineberg is a financial advisor at LPL Financial with 27 years of industry experience. He holds the Series 63 and Series 65 designations and previously worked at Cco Investment Services Corp and M&T Securities, Inc. Fineberg 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 provides a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

James S. Munro is a financial advisor at UBS Financial Services with 42 years of industry experience. He has worked at UBS since 1997 and holds Series 63 and Series 65 licenses. Munro has served on the Board of Directors for the St. Marys Hospital Foundation, focusing on charitable giving and fundraising. 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 and utilizes proprietary research to tailor client plans based on their goals and risk tolerances.

Michael Granica is a CFP® professional with 16 years of experience in the financial services industry. He currently serves as a financial advisor at LPL Financial and has previously worked at NEXT Financial Group, Nationwide Securities LLC, Nationwide Financial, MML Investors Services, and MassMutual. Outside of his advisory role, he is involved in tax preparation and accounting as well as property and casualty insurance through The Getzoni Agency, Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a broad range of financial planning and investment management solutions, employing a variety of portfolio strategies supported by both proprietary research and third-party subadvisors.

Julie Fritz is a financial advisor at Morgan Stanley with 23 years of industry experience. She holds Series 63 and Series 66 credentials and has been with Morgan Stanley since 2015. Outside of her advisory role, she serves as Secretary and Board Member for the Tri-County Racing Club, a volunteer-run social club for micro sprint racing. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and investment models.

Jacob Ernst is a financial advisor with Mass Mutual Investors Services in Amherst, NY, holding Series 63 and Series 66 designations and eight years of industry experience. He has been with Mass Mutual Investors Services and Mass Mutual Life Insurance Co since 2017. In addition to his advisory role, he is active as a sales agent in health insurance and also serves as an agent for fixed annuities and life insurance with several insurance firms. MassMutual 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 structured, annual financial planning engagements using firm-approved analytical tools and delivers written recommendations focused on investment categories and strategies.

Francis Ginnane is a financial advisor with Mass Mutual Investors Services holding a ChFC® designation and Series 63 license, with 44 years of industry experience. He has been associated with Planned Futures Financial Group LLC since 1997 and with MassMutual and its affiliated entities since 1991. Ginnane serves as chairman of the CEL Alumni Association, a volunteer organization unrelated to his financial advisory work. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers a range of services including educational seminars, and its planning engagements focus on collaborative, annual relationships using firm-approved analytics to develop written recommendations.

Melissa Mcisaac is a financial advisor with LPL Financial in Williamsville, NY, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. She previously worked at OSAIC for 25 years and Georgetown Capital Group for 23 years. In addition to her advisory role, she is a licensed notary. 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 portfolios, third-party asset management, and institutional platforms, supported by advanced operational and research tools.

Daniel Heims is a financial advisor with Cetera, holding a Series 66 credential and having two years of industry experience. He has worked at several firms, including Avantax Advisory Services and BearingStone Wealth, and currently serves as Chief Operations Manager at Lincoln Sparrow Advisors, LLC. Outside of his advisory work, Heims volunteers with the Ride for Roswell charity cycling event and serves as a Special Education PTA representative for Country Parkway. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers diverse portfolio management options and operates a multi-manager platform with access to affiliated and third-party managers.

Mary Greenwald is a financial advisor at Morgan Stanley with 32 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Outside of her advisory role, she previously served as the president of the Women's Association at Brookfield Country Club in Williamsville, New York. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools.

Jason Cohen is a CFP® professional with seven years of industry experience currently advising at OSAIC. His prior roles include positions at American Portfolios Financial Services, Inc., Bessemer Trust, and UBS Financial Services. He also has a long-standing association with the University of Pittsburgh spanning over a decade. OSAIC serves a diverse range of clients, including individual and high-net-worth investors, pension plans, corporations, and charitable organizations, offering integrated brokerage and advisory services through a large network of affiliated financial advisers and multiple platforms. The firm employs advanced portfolio construction tools and a variety of investment options while supporting legacy platform transitions and third-party managed-account solutions.

Thomas Vivian is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since joining the firm in 2012, he has worked with individuals, families, business owners, senior executives, and professional athletes to offer tailored financial strategies aimed at simplifying wealth management and addressing life events such as marriage, divorce, career changes, and business transactions. His approach begins with understanding his clients' needs, goals, and passions to provide ongoing advice and portfolio management aligned with their unique situations. Thomas holds a B.S. in Finance from Canisius College and is a CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), Retirement Benefits Consultant (RBC), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). He emphasizes continuous learning and rigorous industry training to bring knowledge and insight to his clients. Prior to Merrill Lynch Wealth Management, he was a Market Development Specialist at Ingram Micro. Born and raised in South Buffalo, Thomas resides in Amherst, New York with his wife Katie and their two daughters, Grace and Lily. He is active in the community and serves on the Board of Trustees for Mount Mercy Academy, reflecting his commitment to local institutions. His personal interests include boating, golfing, ice hockey, volleyball, and spending time with his family.

Seth Greene is a financial advisor with LPL Financial in Williamsville, NY, holding Series 63, 65, and 66 licenses and bringing 25 years of industry experience. Prior to joining LPL Financial in 2025, he spent 18 years at Next Financial Group Inc. He is also involved in entrepreneurial ventures including podcasting and book authorship. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement participants, banks, trust companies, and institutions through a large network of investment adviser representatives. The firm offers financial planning, portfolio programs, third-party asset management, and institutional platforms, employing a mix of discretionary and non-discretionary strategies supported by research and technology tools.

Anthony Mancuso is a CFP® and ChFC® with 34 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. He previously worked at Ameriprise Financial Services, Inc. for 15 years. Outside of his advisory role, he is involved in managing two limited liability companies, AVM Batavia, LLC and DJHAVM, LLC, which are not related to investment activities. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement with substantial investable assets, combining research, modeling, and tax-efficient strategies. As a large institutional firm, it provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

David Tyczynski is a financial advisor with RBC Capital Markets in Williamsville, NY, holding a Series 66 designation and 11 years of industry experience. He has worked at RBC Capital Markets since 2015 and City National Bank since 2016. RBC Wealth Management, a division of RBC Capital Markets, serves a broad client base including individual investors, institutional clients, corporations, and charitable organizations. The firm offers multiple advisory programs featuring discretionary and non-discretionary portfolio management, financial planning, and brokerage services tailored to each client’s risk profile.

Curtis Henderson is a financial advisor with LPL Financial and holds the ChFC® designation and Series 63 license. He has 42 years of industry experience, including a 36-year tenure at Cadaret, Grant & Co., Inc. He is also involved in non-variable insurance activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions, offering a range of advisory and brokerage services supported by a large network of advisors and various institutional platforms.

Allison Griffin is a financial advisor with Morgan Stanley in Buffalo, NY, holding Series 63 and Series 66 licenses and possessing 22 years of industry experience. She has been with Morgan Stanley since 2010. Outside of her advisory role, she serves on the advisory board of the Westminster Early Childhood Program, a nonprofit education organization. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, employing structured financial planning tools and managing approximately $2.74 trillion in client assets.

Todd Mann is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been providing investment advice and services to high net worth private clients and businesses since 1995. Todd focuses on personal retirement planning, portfolio management services, and retirement income, working one-on-one with clients to develop personalized financial strategies aimed at pursuing their long-term goals. He holds a Bachelor's Degree from Canisius College and maintains professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Todd follows the Merrill tradition of community involvement and dedicates time to volunteering through his church. His personal interests include boating, chess, and tennis.

Michael Workley is a financial advisor at LPL Financial with three years of industry experience. He holds a Series 66 designation and has previously worked at firms including WNY Asset Management, Cadaret Grant & Co., Emerge Capital Management, and Citigroup. 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 provides a range of financial planning and portfolio management services through a large network of investment adviser representatives.

J Rauch is a financial advisor with Morgan Stanley in Buffalo, NY, holding Series 63 and Series 65 licenses and possessing 31 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and has worked at Morgan Stanley Smith Barney since 2009. Outside of his advisory work, he manages several rental properties. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning supported by structured discovery processes and firm-approved tools.

Theodore Reynolds is a financial advisor at LPL Financial with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at M&T Securities since 2015. In addition to his financial career, he has been involved with multiple schools since 1988. 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, and institutional platforms, supported by a large network of advisors and advanced operational tools.