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.

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 17 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 2021. 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 range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

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 with Ameriprise in Buffalo, NY, holding a Series 66 designation and 11 years of industry experience. He has been with Ameriprise and its affiliate since 2014. Ameriprise offers a retirement-income planning service designed for individuals nearing or in retirement with significant investable assets, delivering customized Recommendation Reports that incorporate income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis with algorithmic tools overseen by specialized committees to support its advisory approach.

Amy Abrahamson is a financial advisor at Merrill with 24 years of industry experience. She holds Series 66 and Series 63 licenses and has worked at Merrill since 2010, including prior roles at Wells Fargo Clearing Services LLC. She 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 through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Chloe Benzin is a financial advisor with LPL Financial in Buffalo, NY, holding a Series 66 designation and seven years of industry experience. Her prior positions include roles at Raymond James Financial Services and Bank of America. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base that includes individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers comprehensive financial planning and advisory programs supported by proprietary and third-party research, providing both discretionary and non-discretionary portfolio management.

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.

Connie Herr is a financial advisor with UBS Financial Services in Buffalo, NY, holding a Series 63 designation and 17 years of industry experience. She has been with UBS Financial Services since 2015. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client plans.

Joseph Shaw III is a financial advisor at LPL Financial in Williamsville, NY, holding a Series 66 designation with 17 years of industry experience. His prior experience includes roles at OSAIC, Private Advisor Group, LLC, and M&T Securities. 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, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research and technology-driven strategies.

Nicholas Ludwa is a financial advisor with Equitable Advisors in Lakewood, NY, holding a Series 66 designation and 21 years of industry experience. He has been with Equitable Advisors since 2004, including time with its predecessor, Axa Advisors. 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 operates a hybrid referral and implementation model, combining advisory, brokerage, and insurance services tailored through a detailed client intake process.

Matthew Briggs is a financial advisor with RBC Capital Markets, holding a Series 66 designation and 16 years of industry experience. He has previously worked at City National Bank, Bank of America, and Merrill. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients with a range of advisory programs that include portfolio management, financial planning, custody, and brokerage services. The firm customizes strategies based on clients’ risk profiles and utilizes both in-house and third-party investment managers.

Adam Brunner is a financial advisor with Equitable Advisors and holds a Series 66 designation. He has 21 years of industry experience, including over two decades at Equitable Advisors and its predecessor, Axa Advisors. He serves on the boards of the ILIO DiPaolo Scholarship Fund, which awards scholarships to high school athletes, and the SonShine Charitable Fund. Equitable Advisors provides financial planning, retirement-plan support, and access to asset management for individual investors, retirement plan sponsors, corporations, and charitable organizations. The firm operates a hybrid referral and implementation model, working with LPL and various third-party asset managers to tailor advisory services based on client goals, risk tolerance, and time horizon.

Mariah Hines is a financial advisor with LPL Enterprise LLC, holding a Series 66 designation and beginning her advisory career in 2025. Prior to joining LPL Enterprise, she held positions at Northwestern Mutual, Good Neighbors FCU, Buffalo Metropolitan FCU, and First Niagara/KeyBank. Outside of advisory work, she is employed by The Westin. LPL Enterprise serves a broad client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, consulting, and access to model portfolios and third-party asset management programs. The firm combines advisory programs with sales of financial products, including insurance, through an integrated platform.

William Oliver is a financial advisor with Mass Mutual Investors Services in Amherst, NY, holding a Series 63 designation and 12 years of industry experience. He previously worked at Northwestern Mutual Wealth Management Company and its affiliated entities from 2013 to 2020. Outside of his advisory role, Oliver is involved in structured settlement consulting and insurance brokerage activities related to health, life, disability, and annuities. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, and educational seminars, using firm-approved analytical tools to provide tailored recommendations without investment discretion.