Kenneth Weinstein is a CFP® with 32 years of industry experience, currently affiliated with Cetera. His prior experience includes long tenures at Avantax Insurance Agency, Avantax Advisory Services, and Mony Securities Corporation. Outside of his advisory role, he owns and operates a CPA firm specializing in tax preparation and financial advice, and he runs a business selling seat covers for classic cars. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, retirement plans, and institutional accounts. The firm offers diverse portfolio management and financial planning services through a multi-manager platform with access to various investment strategies and third-party money managers.

Joseph Andrade is a financial advisor with Primerica Advisors in Amherst, NY, holding a Series 63 designation and 25 years of industry experience. His career includes roles at Crossmark and longstanding positions at PFS Investments Inc. and Primerica Financial Services. Outside of advisory work, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and employs a tiered wrap-fee structure for its services.

Benjamin Whitford is a financial advisor with Mass Mutual Investors Services in Amherst, NY, holding a Series 63 designation and with eight years of industry experience. He has been with Mass Mutual Investors Services since 2017 and has also worked with MassMutual Life Insurance Company since 2016. Whitford serves as a board member and participates on both the Audit and Investment Committees of Aspire of WNY, a nonprofit that assists individuals with disabilities. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual, serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers comprehensive financial planning, asset management, and educational programs, focusing on collaborative, goal-oriented client engagements.

Robert Vogel is a CFP® with 44 years of industry experience, currently serving as an advisor at OSAIC since 2023. He previously worked at FSC Securities Corporation for 14 years. Vogel is the treasurer of the Erie County Law Enforcement Foundation and a director of the 100 Club of Buffalo, both nonprofit organizations supporting law enforcement and emergency service communities in Western New York. OSAIC serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm combines brokerage and advisory services with various investment platforms and third-party solutions, utilizing asset-allocation tools and automated rebalancing to construct diversified portfolios.

Joshua Lauer is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 66 licenses and with 13 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and has been associated with Massachusetts Mutual Life Insurance Company since 2016. In addition to his advisory role, he refers clients for the Employee Retention Credit through an external firm. 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, focusing on collaborative annual planning engagements that analyze client goals using firm-approved software tools.

Edward Lisowski is a financial advisor with LPL Financial who holds the CFP® designation and Series 63 and 65 licenses. He has 30 years of industry experience, including roles at M&T Bank and M&T Securities from 2007 through 2021 before joining LPL Financial in 2021. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to third-party asset management, supported by a large network of investment adviser representatives.

Anders Johansson is a financial advisor at LPL Financial with 37 years of industry experience. He has held positions at LPL Financial since 2012 and previously worked at HSBC Securities (USA) Inc. from 2007 to 2012. Johansson also has a role with Northwest Bank, referring clients to bank partners. 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 financial planning, model portfolios, third-party asset management, and institutional platforms, combining advisory services with a wide range of financial products and bank partnerships.

Robert Carroll is a financial advisor at OSAIC with 35 years of industry experience. He holds a Series 63 designation and has previously worked at American Portfolios Financial Services and Avantax Advisory Services. Outside of his advisory role, Carroll owns an accounting and tax preparation firm and is involved as an owner or member in several local business ventures, including a golf course and restaurant. OSAIC serves a diverse client base ranging from individual investors to institutions, offering integrated brokerage and advisory services across multiple platforms. The firm employs asset-allocation tools and risk assessments to build portfolios encompassing a broad range of securities, supporting both discretionary and non-discretionary account management.

Samuel Gugliuzza is a financial advisor at Mass Mutual Investors Services with 24 years of industry experience. He has worked previously at Mutual/United Of Omaha from 2000 to 2018 before joining Massachusetts Mutual Life Insurance Company and Mass Mutual Investors Services in 2018. He is also a partner at Summit Advisory Services LLC and involved in various insurance-related activities including health and group health insurance. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides comprehensive financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, ongoing financial planning using advanced analytical tools and offers specialized programs such as estate settlement and divorce planning.

Michael Ragusa is a financial advisor with LPL Financial in Amherst, NY, holding a Series 66 designation and 20 years of industry experience. His prior roles include positions at Equity Services, Inc., Mass Mutual, Prudential, and Voya Financial. He is also involved as an agent and managing director in the sales and service of fixed insurance products through other business activities. 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 range of advisory and brokerage services including financial planning, model portfolios, third-party asset management, and institutional platforms.

Joseph Dante II is a Series 66-licensed financial advisor with 15 years of industry experience. He currently works at Cambridge Investment Research Advisors and Cambridge Investment Research, Inc., having previously spent 14 years with Edward Jones. In addition to his advisory role, he is president of Harbor Landing Wealth Partners. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers a range of financial planning and investment management services delivered through a network of independent professionals, utilizing proprietary and third-party strategies across multiple platforms.

George Boller is a financial advisor with Primerica Advisors, holding a Series 63 designation and bringing 29 years of industry experience. He has been associated with Primerica Financial Services since 1993 and is involved in various business activities including roles with America Legion Post 567 and Fedeson Commercial Heating. Boller also participates in community leadership as a committee chairman. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients. The firm uses third-party asset managers and a tiered wrap fee structure, focusing on curated investment models rather than institutional pension or profit-sharing plan management.

Michael Cianciosa is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. He has worked at LPL Financial since 2012 and at Northwest Bank since 2016. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions, offering a range of investment advisory and brokerage services through a broad network of representatives.

Christopher Lauer is a financial advisor with Mass Mutual Investors Services who holds a Series 63 designation and has 44 years of industry experience. He previously worked at MetLife Securities Inc. and Metropolitan Life Insurance Company before joining his current firm. Mass Mutual Investors Services 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, using firm-approved software and collaborative planning approaches without discretionary investment authority.

Michael Lis is a financial advisor with LPL Financial, holding a Series 63 designation and 14 years of industry experience. He previously worked at Cadaret, Grant & Co., Inc. for nine years and at Sunbridge Management Inc. for three years. Lis is also involved with the Elma Land Conservancy LLC, a business entity focused on tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and portfolio management services, utilizing both proprietary and third-party strategies across various account types.

Bradley Wesolowski is a financial advisor with Merrill in Niagara Falls, NY, holding Series 63 and Series 65 credentials and two years of industry experience. His prior work includes roles at LPL Financial LLC, Ameriprise, and KeyBank. He has teaching experience at Erie Community College spanning over a decade. 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, offering model-based and discretionary strategies for a range of individual and institutional investors.

Nicholas Cecere is a financial advisor with Thrivent Investment Management and holds the ChFC® designation along with Series 63 and 65 licenses. He has 40 years of industry experience, including roles at Principal Life Insurance Company and Principal Securities Inc. Outside of his advisory work, he is a minority partner and Alternate Director of Orchard View Sports and Entertainment LLC, owner of a USHL hockey franchise, and serves as Chair of the Board of Trustees at Niagara University. Thrivent Investment Management delivers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors, offering comprehensive, goal-based financial planning without discretionary management.

Bryan Carroll is a financial advisor with OSAIC who holds Series 63 and Series 65 licenses and has 10 years of industry experience. His prior work includes roles at American Portfolios Financial Services, Avantax Advisory Services, and a CPA firm. He is also a member and owner of Twin City Financial Services LLC, where he serves as an accountant and bookkeeper. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, retirement plan consulting, and access to third-party money managers through multiple advisory platforms.

Jean Catanese is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 26 years of industry experience. Prior to joining LPL Financial in 2025, Jean worked at Cadaret, Grant & Co., Inc. for 24 years and has been involved with Capital Management Group since 1991. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and asset management solutions delivered through a large network of investment adviser representatives.

William Walter is a financial advisor with Ameriprise in Williamsville, NY, holding a Series 63 designation and 34 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with significant investable assets, providing detailed Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in its approach and delivers customized recommendations through a centralized retirement-income consulting team.