Matthew Francis is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds the Series 66 designation and has five years of industry experience. Prior to joining Raymond James, he worked at Merrill Lynch Pierce Fenner & Smith Inc. and Key Bank among other firms. Outside of his advisory role, he is involved as an associate with Plail Wealth Management, supporting client servicing, financial planning, and marketing. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning using analytical tools and supports municipal and public-finance work through a unique municipal advisor affiliation.

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.

Frank Antonucci is a CFP® professional with 46 years of industry experience, currently affiliated with LPL Financial. He has worked at Linsco/Private Ledger Corp. since 1993. His other business activities include providing non-variable insurance products such as life, disability, long-term health care, and fixed annuities. 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 and access to third-party asset managers, supported by technology tools and a broad non-advisory financial services platform.

Jonathan Behuniak is a Series 66-registered financial advisor with Osaic, based in Amherst, NY, and has two years of industry experience. His prior work history includes roles at LPL Financial, Northwest Bank, and Mollot & Hardy. He is also a registered office assistant and life insurance agent with L&M Group Limited. Osaic Wealth serves a broad mix of retail and institutional clients, offering brokerage and advisory services through a multi-advisor platform that includes comprehensive financial planning, managed portfolios, and retirement plan consulting. The firm emphasizes model-based asset allocation and portfolio optimization, supported by various tools and multiple custodian arrangements.

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. He has been associated with Royal Alliance Associates, Inc., Royal Financial Group, and United Securities Alliance since 2003. In addition to advisory roles, Eno offers life insurance and fixed annuities to clients as part of their financial planning strategies. OSAIC Wealth serves a diverse client base including retail and institutional investors, offering brokerage and advisory services through a multi-advisor platform. The firm uses model-based asset allocation and portfolio optimization, supporting a range of investment programs and third-party manager options.

William Moran is a Series 63–registered advisor with LPL Financial, bringing 35 years of industry experience. He has worked at Securities America Advisors and OSAIC prior to joining LPL Financial, and he maintains a law practice through William C. Moran & Associates PC. Moran serves as a board member of the William and Diane Hein Foundation, a charitable organization. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and portfolio management solutions, utilizing both proprietary and third-party strategies, supported by advanced operational and research tools.

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. He has been with Osaic since 2025 and has prior experience at L&M Wealth Management. His background includes academic and high school education roles before entering the financial industry. Osaic Wealth serves a diverse group of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and portfolio management. The firm employs a model-based investment process with tools for asset allocation, portfolio optimization, and access to various third-party managers and proprietary strategies.

Chalise Krentz is a financial advisor at Equitable Advisors with one year of industry experience. She holds the Series 66 designation and previously worked at Lockwood Asset Management Group for 12 years. Outside of her advisory role, she is the owner of TrueSpeed Logistics, a logistics business based in Buffalo, NY. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and asset management programs. The firm utilizes a range of third-party advisory programs and provides ERISA fiduciary services to qualified plans.

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 Series 66-registered financial advisor with Equitable Advisors, holding one year of industry experience. Prior to joining Equitable Advisors, he worked at Tiede Zoeller for seven years and has diverse experience including roles at 2 the T Home Remodeling, Just Barns, and Green Fields. Equitable Advisors serves individuals ranging from non-high-net-worth clients to institutional clients such as pension plans and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset-management programs through a network of Investment Adviser Representatives, utilizing both firm-offered and third-party advisory solutions.

Randy Brown is a Financial Advisor at Merrill Lynch Wealth Management based in Buffalo. He specializes in investment consulting for defined contribution plans, personal retirement planning, portfolio management services, and retirement income, with a focus on serving clients in sports and entertainment. Randy holds a Bachelor's degree in Economics from Miami University and an MBA from the Texas A&M University System. He is a CERTIFIED FINANCIAL PLANNER (CFP), a Personal Investment Advisor (PIA), and a Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). He is also an Army veteran. Outside of his professional work, Randy enjoys baseball, fishing, football, golfing, ice hockey, and skiing. He is committed to helping families execute their financial plans by uncovering what matters most to them and creating strategies to pursue their financial goals.

Daniel Wilkinson is a financial advisor with Ameriprise in Clarence Center, NY, holding the ChFC® designation and Series 63 and 65 licenses. He has 30 years of industry experience, including over 20 years with Ameriprise and its affiliate Ameriprise Financial Services, Inc. Wilkinson serves on the Board of Directors for Lutheran Charities of Western New York. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide non-discretionary, written recommendations delivered through a centralized consulting team in partnership with clients' financial advisors.

Scott Mcbride is a financial advisor at LPL Financial with 18 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at M&T Securities for six years before joining LPL Financial in 2018. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers various advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Steven Sackel is a financial advisor at RBC Capital Markets with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Bank of America, Merrill, and Wells Fargo Advisors. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers various advisory programs with tailored portfolio management, financial planning, and brokerage services, leveraging both in-house and third-party investment managers.

Michael Makula is a financial advisor at Ameriprise with 12 years of industry experience. He holds a Series 66 designation and has been with Ameriprise and its related entities since 2014. Outside of his advisory role, he is involved in a separate business, 6622 Main St., LLC, in Williamsville, NY. Ameriprise Financial Services is a large, diversified firm serving both individual and institutional clients, notable for its Premier Retirement Income service which provides tailored retirement planning and ongoing advice focused on income reliability and tax-efficient withdrawal strategies.

Amy Abrahamson is a financial advisor at Merrill with 25 years of industry experience. She holds Series 66 and Series 63 licenses and has worked at Merrill since 2010, with prior roles at Wells Fargo Clearing Services LLC and Morgan Stanley. Abrahamson serves on the Board of Trustees for the Buffalo Olmsted Parks Conservancy. 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, and institutional investors.

Chloe Benzin is a financial advisor with LPL Financial in Buffalo, NY, holding a Series 66 designation and seven years of industry experience. Her professional background includes roles at Raymond James Financial Services, Bank of America, Merrill, and other firms. 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 services, utilizing model portfolios, third-party subadvisors, and customized strategies.

Kevin Klein is a CFP®-certified financial advisor with 20 years of industry experience. He currently works with Raymond James & Associates and previously held roles at Bank of America and Merrill. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and non-discretionary investment consulting supported by a nationwide adviser network.