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 based in Buffalo, NY. He holds the Series 66 designation and has five years of industry experience. His prior experience includes roles at M&T Bank, KeyBank NA, and Citigroup. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and nonprofits nationwide. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios and research from multiple sources.

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 Series 66-credentialed financial advisor with 16 years of industry experience. He has worked at Equitable Advisors since 2013 and previously with Axa Advisors, LLC. Outside of his advisory role, he is involved as an educator with ACN Inc. Equitable Advisors serves a diverse client base, including individuals, high-net-worth clients, retirement plans, and institutions, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates through program sponsors and third-party managers, with a significant portion of assets managed on a non-discretionary basis.

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 with LPL Enterprise, holding a Series 66 designation and two years of industry experience. Prior to joining LPL Enterprise, Casillas held positions with The Prudential Insurance Company of America and Pruco Securities LLC. Outside of financial services, Casillas has experience managing a small business, Divine Nail Spa Inc. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, model portfolio programs, third-party asset management, and a range of brokerage and insurance products, supported by an integrated platform that combines advisor programs with active sales of financial products.

Mary Setter is a financial advisor at LPL Financial with 11 years of industry experience. She holds Series 63 and Series 65 licenses and provides financial planning and consulting services through Lawley Retirement Advisors, an independent registered investment advisory firm. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services supported by proprietary and third-party research.

Candice Uzarowski is a financial advisor with LPL Financial and holds Series 63 and Series 65 credentials. She has 29 years of industry experience, including prior roles at CUSO Financial Services and Calamar Financial Group. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs, retirement plan consulting, and brokerage services, offering both discretionary and non-discretionary management supported by model portfolios and research from various sources.

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.

Christopher Panza is a financial advisor with MassMutual Investors Services who holds Series 63 and Series 65 licenses and has 10 years of industry experience. His prior roles include positions at WNY Asset Management, Steven Carmina CPA, Spectrum Wealth Management, and Cadaret, Grant & Co., Inc. Outside of advisory work, he is a tax preparer and serves as president of Panza Enterprises, Inc. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm offers comprehensive, collaborative planning that includes the use of advanced analytical tools and event-driven planning programs.

Jacob Katz is a CFP® credentialed financial advisor with Raymond James Financial Services Advisors Inc., where he has worked since 2014. He has 12 years of industry experience. Katz serves as a board member for the Erie1 Boces Education Foundation, involved in resource allocation and fundraising for local schools. He is also a partner and part-owner of Scheff Investment Group LLC and Scheff Liddell Wealth Group, where he works as a financial advisor. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm provides tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public finance through a unique affiliation, along with specialized advisory programs.

Daniel Di Natale is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing eight years of industry experience. He has worked at LPL Financial since 2021 and has concurrent roles at M&T Securities and M&T Bank dating back to 2016. Di Natale also serves as a notary public through 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. The firm offers a range of financial planning and advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management along with model portfolios and research from multiple sources.

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.