Philip Russell Jr. is a financial advisor with Cambridge Investment Research Advisors who holds the ChFC® designation and has 40 years of industry experience. He has been with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2015. Russell serves as a board member for the Society of Financial Services Professionals in Buffalo and the Barker Lions Club and works as a substitute teacher. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through independent financial professionals, using a range of portfolio management and model-based solutions tailored to client objectives.

Kenneth Wilson Jr. is a financial advisor at OSAIC with 23 years of industry experience. He holds a Series 63 designation and previously worked for Lincoln Financial Advisors Corporation for 18 years. Outside of his advisory role, he is an insurance agent offering accident, health, disability income, traditional life insurance, fixed and indexed annuities, as well as property and casualty insurance. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and investment advisory services through multiple platforms and employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct portfolios that include a broad range of investment options.

Christopher Spadafora is a financial advisor at MassMutual Investors Services with 22 years of industry experience. He holds a Series 63 designation and has been with MassMutual and its subsidiaries since 2008. MassMutual 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 financial planning, asset management, and educational programs using a collaborative, goal-focused approach without investment discretion in planning engagements.

Robert Peterson Jr. is a CFP® with 37 years of industry experience, currently serving at Osaic since 2024. His prior experience includes seven years at Securities America Advisors and INVEST Financial Corp. In addition to his advisory role, he is involved in brokering traditional life insurance and annuity products through multiple local agencies. Osaic Wealth, Inc. serves a diverse clientele including individual, high-net-worth, institutional, and charitable investors through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services utilizing various investment platforms, asset allocation tools, and third-party money managers to construct portfolios managed on discretionary or non-discretionary bases.

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.

Anthony Leo is a financial advisor with LPL Financial in East Amherst, NY, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He has worked at LPL Financial since 2010 and has been affiliated with Northwest Bank since 2016. Outside of his advisory work, he is a minority investor in a startup women's high fashion shoe business operated by his wife. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and nonprofits through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by in-house and third-party research and portfolio options.

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.

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 at Raymond James & Associates with 26 years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America and Merrill Lynch. Raymond James & Associates, Inc. is a large dual-registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Sean Mac Donald is a financial advisor with LPL Financial, holding a Series 66 designation and one year of industry experience. His prior roles include positions at M&T Bank and Equitable Advisors, LLC. 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, financial planning, and retirement plan consulting, providing both discretionary and non-discretionary management supported by proprietary research and third-party subadvisors.

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.

Thomas Huebsch Jr. is a financial advisor at Primerica Advisors with 18 years of industry experience. He holds a Series 63 designation and has worked with Primerica Financial Services and PFS Investments Inc. since 2006 and 2007, respectively. Outside of finance, he is involved with the Major Arena Soccer League since 2025. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which serves individual and high-net-worth clients with model-delivery strategies and selectively managed account options under a wrap-fee structure. The firm utilizes third-party asset managers and implements models via BNY Mellon Advisors, focusing on percentage-based fees and ongoing oversight.

Kristopher Reumann is a financial advisor with Merrill in Buffalo, NY, holding a Series 66 designation and seven years of industry experience. He has been with Merrill and Bank of America since 2014. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm employs model-based and discretionary strategies developed by internal and third-party managers and provides trading, account administration, and custody support.

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 at Equitable Advisors with 10 years of industry experience. He holds Series 63 and Series 66 registrations and has worked at Equitable Advisors since 2016, including a prior role at Axa Advisors. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, and institutions. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, operating as both an SEC-registered investment adviser and broker-dealer.