Marc Pearlman is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and more than 30 years of industry experience. He has worked with firms including EverBank and Securities America Advisors, Inc., and has managed his own advisory practice since 2002. His work involves developing strategy, selecting managers, managing portfolios, and selecting investments. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, utilizing asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct diversified portfolios.

Harender Arora is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. His prior work includes long tenures at Securities America Advisors, Inc. and SECURITIES AMERICA, inc. He serves as a trustee of the Niagara Frontier Sikh Society. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable clients through a large network of advisers and advisory platforms. The firm offers integrated brokerage and advisory services using various portfolio construction tools and supports both discretionary and non-discretionary account management.

Ryan Perry is a Series 66-licensed financial advisor with 11 years of industry experience. He is currently with Edelman Financial Engines, where he has worked since 2012. His prior experience includes roles at AxA Advisors, Personal Capital Advisors Corporation, and Empower Advisory Group. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages model-based and customized portfolios, offers sub-advisory services, and supports a large participant base through both advisor-led and online platforms.

Kevin Meehan Jr. is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 15 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2013 to 2016. Outside of his advisory role, he has partial ownership in a rental property LLC associated with his practice location. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans. The firm follows an IPS-driven process based on modern portfolio theory and offers both discretionary and non-discretionary services, including investment policy development, performance reporting, and participant education.

Phillip Tronolone is a financial advisor at LPL Enterprise with 22 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at firms including Prudential Insurance Company of America and Pruco Securities, LLC. Outside of his advisory role, he is president of Harbor Media, an advertising agency. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and other entities. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and insurance products through affiliated entities.

John Byron is a Senior Financial Advisor at Merrill Lynch Wealth Management, holding the title of First Vice President. He joined Merrill Lynch in 2007 and leads a team supported by experienced Wealth Management Client Associates. John provides financial advisory services designed to simplify and customize wealth management according to each client's individual goals. His professional expertise includes investment management, retirement planning and IRA distribution management, estate planning, college tuition planning, cash flow management, legacy planning, philanthropy, and liability and trust services through Bank of America entities. John employs a disciplined process that involves assessing clients' financial objectives and risk tolerance, developing tailored investment strategies, and regularly reviewing progress to optimize outcomes. John holds a Bachelor of Science degree in Economics and Finance from Buffalo State College. His personal interests include boxing, fishing, music, spending time with family, and traveling. He approaches his work with a philosophy centered on collaborating one-on-one with clients to develop personalized financial strategies aimed at achieving their long-term goals.

Andrew Christensen is a financial advisor with Mass Mutual Investors Services, holding Series 66 and Series 63 licenses and 18 years of industry experience. His career includes two separate periods at Mass Mutual Investors Services and MassMutual Life Insurance Company, as well as five years at Hornor, Townsend & Kent LLC. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing collaborative financial planning using firm-approved software and event-driven planning services, including a recent Divorce Planning offering.

Bryan Roland is a financial advisor with Morgan Stanley in Williamsville, NY, holding a Series 66 designation and bringing 24 years of industry experience. He has been with Morgan Stanley since 2009, including nine years at Morgan Stanley Private Bank. Outside of his advisory role, he serves as a school instructor for the North Tonawanda School District. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutions, including customized financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by advanced modeling tools.

Michael Santomauro is a financial advisor at Merrill with 10 years of industry experience and a Series 66 designation. He has worked at Merrill since 2014. 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 and profit-sharing plans, corporations, and charitable organizations.

Christopher Scott is a financial advisor with Raymond James & Associates, holding a Series 66 designation and bringing 27 years of industry experience. His prior positions include roles at Bank of America and Merrill Lynch, Pierce, Fenner & Smith. Raymond James & Associates, Inc. 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, institutional investors, and municipal entities—offering financial planning and investment consulting services supported by a range of portfolio management styles and affiliated research.

Sean Mac Donald is a financial advisor at LPL Financial with one year of industry experience. He holds a Series 66 designation and has previously worked at Equitable Advisors, M&T Bank, and held various roles outside the financial sector, including work at Cowan Weber Construction and Target Corporation. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, 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 network of over 22,800 advisors and extensive financial service offerings.

Richard Hillman is a Wealth Management Advisor at Merrill Lynch Wealth Management. He holds the professional designations of CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). Mr. Hillman earned a Bachelor's Degree from Princeton University. His credentials reflect his expertise in financial planning and investment advisory.

Kristopher Reumann is a financial advisor at Merrill with eight years of industry experience and holds the Series 66 designation. He has been associated with Bank of America and Merrill since 2014. 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 both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Robert Jellinick is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has over 30 years of experience within the financial services industry, having begun his career with Merrill Lynch in 2000. Robert specializes in areas including divorce transition planning, family wealth management strategies, legacy planning, portfolio management services, socially responsible and ESG investing, tax minimization, and services for endowments, foundations, and non-profits. Robert holds a bachelor's degree in Business and Marketing from Niagara University, earned in 1987. He carries professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Raised in Western New York, Robert resides in Clarence with his wife Daylan and their four children. He serves on several non-profit boards within the community. His personal interests include fishing, golfing, and spending time with his family.

Derek Reinhold is a Series 66 licensed financial advisor with UBS Financial Services in Buffalo, NY, where he has worked since 2013. He has 18 years of industry experience. UBS Financial Services Inc. 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, utilizing proprietary research and model-based asset allocations to tailor investment strategies.

Jacob Erenstoft is a financial advisor with Equitable Advisors in Williamsville, NY, holding Series 63 and Series 66 licenses and 10 years of industry experience. He has been with Equitable Advisors since 2016 and previously worked at Axa Advisors, LLC. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients by providing financial planning, retirement plan consulting, and a variety of asset-management programs. The firm’s approach includes risk assessment and matching clients to program models or managers, utilizing third-party managers and proprietary programs without sponsoring its own wrap fee program.

Anthony Pandolfi is a financial advisor with Raymond James Financial in Buffalo, NY, holding a Series 66 designation and 22 years of industry experience. His career includes 13 years at UBS Financial Services Inc. Prior to his current role, he was affiliated with Crux Wealth Advisors LLC. Outside of advising, he owns Grand Cru Consulting, a wine and spirits consulting business serving restaurants. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individuals, institutions, and charitable organizations. The firm uses analytical tools tailored to client goals and offers advisory programs alongside institutional consulting and portfolio management.

Cara Safy is a financial advisor with Wells Fargo Clearing, holding Series 66 and Series 63 licenses and bringing 12 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors, LLC, and Wells Fargo Bank, N.A. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Dawn Maher is a financial advisor with Raymond James Financial, holding a Series 63 designation and bringing 14 years of industry experience. She has worked at Raymond James Financial Services since 2012 and is also an associate at Scheff Liddell Wealth Group in Clarence, NY. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm employs tailored, non-discretionary planning and analytical tools to support client goals and offers specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Raymond Pavicich is a financial advisor with Mass Mutual Investors Services in East Aurora, NY, holding a Series 66 designation and 17 years of industry experience. He has been with Mass Mutual Investors Services since 2012 and with Massachusetts Mutual Life Insurance Company since 2011. In addition to his advisory role, he consults with financial advisors through Mindshift Financial Coaching, focusing on building planning-centered practices. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning, asset management, and educational services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm structures planning as annual, collaborative relationships and offers specialized programs such as divorce planning, estate settlement, and employer-sponsored planning.