Ronald Sciandra is a financial advisor with Primerica Advisors in Amherst, NY, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Primerica Advisors since 1993 and previously worked with the Mid-Atlantic District Exchange and Erie-Niagara Sunrise Exchange. Outside of advisory services, he is involved in sales of loan products and referrals for home security and automation services through affiliates of Primerica. Primerica Advisors serves primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm offers a wrap-fee asset management program that primarily uses model-based strategies managed by unaffiliated asset managers and supported by custodial and trade execution services from Pershing.

Matthew Wright is a financial advisor with LPL Financial and holds a Series 63 designation. He has 12 years of industry experience, having previously worked at Cadaret, Grant & Co., Inc. for seven years and Lincoln Financial Advisors for three years. Wright is based in Niagara Falls, NY. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Jeffrey Wohlfahrt is a financial advisor at Mass Mutual Investors Services with 11 years of industry experience. He has held positions at Massachusetts Mutual Life Insurance Company and Moshides Financial Group since 2015. He holds Series 63 and Series 66 licenses. 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 seminars, with planning engagements structured as annual collaborative relationships using firm-approved analytical tools.

Brooke Yaiser is a financial advisor at OSAIC with 12 years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at Lincoln Financial Advisors Corporation and SagePoint Financial, Inc. Outside of her advisory role, she serves as president of Michelle’s Memorial, Inc., a nonprofit organization that awards scholarships and organizes an annual 5K event, and is involved in local school activities as a musical stage manager, producer, and coach. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, employing asset-allocation tools and multiple advisory platforms to manage a broad range of investment types.

Nathan Huisgen is a financial advisor with LPL Financial, holding a Series 63 designation and 11 years of industry experience. He has been with LPL Financial since 2014 in N. Tonawanda, NY. Outside of his advisory role, Huisgen is also a notary. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and model portfolio programs, with advice delivered primarily by investment adviser representatives using both proprietary and third-party strategies.

Janet Slack is a financial advisor at Ameriprise with 13 years of industry experience. She holds Series 65 and Series 66 licenses and has worked with Ameriprise since 2012. Outside of her advising role, she owns a tax preparation and bookkeeping business and serves as Treasurer on the Board of Directors for Spina Bifida of Western New York, Inc. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides tailored retirement income planning and ongoing advice focused on dependable income sources and tax-aware withdrawal strategies.

Jacob Kranz is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and four years of industry experience. His prior roles include positions at Morgan Stanley Smith Barney LLC and KeyBank. Outside of his advisory work, he manages a rental property as a landlord. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm offers collaborative, annual planning engagements using firm-approved analytical tools and supports a range of specialized services including divorce, estate-settlement, and employer-sponsored planning programs.

James Carey is a financial advisor with Edward Jones in Tonawanda, NY, holding a Series 63 designation and 21 years of industry experience. He has been with Edward Jones since 2004. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large network of advisors and branch offices nationwide.

Jamie Reece is a financial advisor at Ameriprise with a Series 66 designation and three years of industry experience. Prior to joining Ameriprise in 2022, Reece held positions in the fitness and hospitality sectors. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement-income planning, including tax-aware withdrawal strategies and Social Security claiming options. The firm’s approach involves a centralized team and proprietary research tools, with recommendations implemented non-discretionarily by clients or their advisors.

Michelle Scrivani is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and 18 years of industry experience. She previously worked at M&T Securities and M&T Bank before joining LPL Financial. Scrivani serves as secretary on the board of Crown Agency Inc., a nonprofit organization in Buffalo, NY. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of financial planning and investment management solutions, utilizing models and third-party subadvisors alongside advisory technology tools.

Alfred Leto is a financial advisor with Primerica Advisors in Amherst, NY, holding a Series 63 designation and 23 years of industry experience. He has worked with PFS Investments Inc. and Primerica Financial Services since 2001. In addition to his advisory role, he is involved in the sale of non-investment related products such as home security and automation through affiliated companies. Primerica Advisors provides discretionary asset management primarily to individual and high-net-worth clients through its Lifetime Investment Program, which offers model-delivery strategies and a limited number of separately managed account options. The firm employs third-party asset managers and uses a tiered wrap fee structure distinct from fixed-fee billing.

John Moshides is a financial advisor with MassMutual Investors Services who holds a Series 63 designation and has 43 years of experience in the industry. His prior work includes roles at Metlife Securities Inc. and MassMutual Life Insurance Company. Outside of his advisory work, he is involved in writing, speaking engagements, consulting, and facilitating introductions for mergers and acquisitions. MassMutual Investors Services operates as a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, employing firm-approved tools to analyze client goals and deliver written recommendations.

Brian Silverberg is a financial advisor affiliated with LPL Financial in Niagara Falls, NY, holding Series 63 and Series 65 licenses with 26 years of industry experience. His prior roles include positions at Cadaret, Grant & Co., Inc., Legend Advisory, LLC, and Hager Equity Group, Inc. He also conducts insurance sales of life, health, and annuities in New York through Cadaret Grant Agency and related entities. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, utilizing both proprietary and third-party strategies across discretionary and non-discretionary accounts.

Thomas Dalton is a financial advisor with Edward Jones, holding CFP®, Series 63, and Series 65 credentials and 34 years of industry experience. He has been with Edward Jones since 1997. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, operating under a fiduciary standard and managing approximately $1.01 trillion in assets through a large nationwide network of advisors and branch offices.

Gail Testa Romano is a financial advisor with Ameriprise, holding Series 63 and Series 65 designations and bringing 33 years of industry experience. Her prior roles include positions at John Hancock, AXA Advisors, Securities America, and OSAIC. She also manages an advisory business outside of her primary employment. Ameriprise serves clients primarily through its retirement-income planning service, which focuses on individuals nearing or in retirement with substantial investable assets, providing tailored, research-driven recommendations delivered by a centralized consulting team.

Mark Beardi is a CFP® professional at Cambridge Investment Research Advisors with 16 years of industry experience. He has previously worked at Ic Advisory Services Inc, The Investment Center Inc, and Invest Financial Corp. In addition to his advisory role, he is involved as an agent in insurance and benefits and operates SY Associates LLC. Cambridge Investment Research Advisors serves a diverse client base that includes individuals, pension plans, charitable organizations, and trusts by providing financial planning, investment management, retirement plan advisory, and financial wellness services through a network of independent Financial Professionals. The firm offers a range of investment solutions, including proprietary and third-party model strategies, across multiple custody platforms and tailors approaches to client objectives.

Lester Robinson III is a financial advisor at LPL Financial with 11 years of industry experience. His prior roles include positions at Cadaret, Grant & Co., Virtue Capital Management, and Mass Mutual. Outside of advisory work, he is involved in broadcasting through radio, TV, and podcasts, and he is also an author and public speaker. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides financial planning, model portfolios, third-party asset management, and retirement advice to individuals, institutions, and retirement plan participants through a large network of investment adviser representatives.

George Bidjov Jr. is a CFP®-credentialed financial advisor with 21 years of industry experience. He is currently with LPL Financial and has previous experience at Cadaret Grant & Co., Inc., Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and MetLife Securities Inc. Outside of his advisory role, he is involved in a property and casualty business, WealthGuard of NY, LLC. 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 broad range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms.

Paul Miosi is a financial advisor at Ameriprise with 14 years of industry experience. He holds the CFP®, ChFC®, and Series 66 designations. Miosi has been with Ameriprise and its affiliate since 2011. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides ongoing retirement planning advice centered on reliable income sources and tax-aware withdrawal strategies.

Joseph Aliotta is a financial advisor at OSAIC with 40 years of industry experience. He holds a Series 63 designation and has worked previously at American Portfolios Financial Services, Inc. and Carroll Financial Services. Outside of his advisory role, he is an independent insurance agent selling life insurance and fixed annuities. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charities through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and advisory services, supported by asset-allocation tools and third-party management solutions.