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.

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 experience in the financial industry. He has been with Linsco/Private Ledger Corp. since 1993 and is currently affiliated with LPL Financial. He is also involved in non-variable insurance activities related to life, disability, long-term health care, and fixed annuities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by extensive research and a variety of investment strategies.

Jonathan Behuniak is a financial advisor at Osaic with two years of industry experience. He holds the Series 66 designation and has previously worked at LPL Financial, Northwest Bank, and Mollot & Hardy. Outside of advising, he is a Registered Office Assistant and Life Insurance Agent with L&M Group Limited. Osaic Wealth, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm offers a range of brokerage and advisory services supported by proprietary asset-allocation tools and access to third-party money managers across a variety of investment products.

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. His career includes longstanding roles with Royal Alliance Associates, Inc., Royal Financial Group, and United Securities Alliance since 2003. In addition to advisory services, he offers life insurance and fixed annuities to clients as part of their financial plans. OSAIC Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisers, providing integrated brokerage and investment advisory services. The firm utilizes a variety of investment tools and third-party programs to construct and manage portfolios that include multiple asset classes on both discretionary and non-discretionary bases.

William Moran is a financial advisor at Osaic Wealth, Inc. with 35 years of industry experience and holds the Series 63 designation. His career includes over a decade with Securities America Advisors, Inc., and he has operated William C. Moran & Associates, P.C. since 1990. Moran serves as a board member of the William and Diane Hein Foundation, a charitable organization. Osaic Wealth, Inc. serves a wide range of retail and institutional clients, offering integrated brokerage and advisory services, including financial planning, retirement consulting, and access to third-party money managers. The firm employs asset-allocation tools and automated rebalancing to manage diversified portfolios across multiple investment types on discretionary or non-discretionary bases.

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 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.