Cutler Greene is the sole advisor at Spaulding Greene Wealth Management, LLC in Buffalo, NY, holding Series 63 and Series 65 licenses with four years of industry experience. He has been with Spaulding Greene Wealth Management since 2007. Outside of advisory services, he is a member of two LLCs that own small rental properties, which are unrelated to his investment work. Spaulding Greene Wealth Management provides discretionary investment management to a small client base of individual investors, trusts, and estates, focusing on conservative, tax-aware portfolio management using individual equities, mutual funds, and ETFs. The firm operates as a single-advisor practice with tailored portfolios and a preference for low turnover.

I'm a retirement focused advisor with over 10 years of experience. I specialize in tax-efficient retirement planning and investment management for those that are retired or within a few years of retiring, all for a flat annual fee. I launched Free Time Financial in March 2025 after spending 10 years working for a Registered Investment Advisor firm who provided tax-efficient retirement planning, but charged for the service based on how large your investment accounts were. That model never made sense to me, and I finally left to build a firm on my own terms, where I could take wonderful care of a smaller number of families and charge them based on the complexity of the service and not on how wealthy they are.

Connor Rosenecker is a CFP® professional with four years of industry experience, currently serving at Sterling Investment Counsel, LLC. His prior experience includes roles at Hightower Advisors and Linwood Investment Advisors Inc. Outside of his advisory work, he is involved as a cantor for the Diocese of Buffalo. Sterling Investment Counsel provides portfolio management and financial planning services to a diverse client base, including individuals, high-net-worth investors, trusts, estates, charitable organizations, and retirement plans. The firm customizes portfolios based on client goals and risk tolerance, using a combination of analytical methods and both long- and short-term trading strategies.

James Primiano is a financial advisor at LPL Financial with 24 years of industry experience. He holds Series 63, 65, and 66 licenses and has worked at Clear View Wealth Advisors LLC since 2018. Prior to that, he operated Primiano Financial and was affiliated with Next Financial Group Inc. LPL Financial provides advisory and brokerage services to a diverse client base including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers a variety of delivery options such as financial planning, model-portfolio advisory programs, and third-party asset management, supported by an in-house research team and a broad network of investment adviser representatives.

Michael Brady is a financial advisor at Clarity Advisors with 12 years of industry experience. He holds a Series 63 designation and has worked at multiple firms including Pfs Investments Inc. and Maus Software LLC. Outside of advising, he is involved in insurance sales as a sole proprietor and works as an account executive for an estate planning software company. Clarity Advisors serves individual investors and business clients, offering financial planning, discretionary portfolio management, retirement plan consulting, business advisory and valuation services, and access to tax and digital estate-planning providers. The firm emphasizes a long-term, passive asset-allocation strategy and provides retirement-plan consulting and educational seminars with a particular focus on plan sponsors and business owners.

Taunya Abaya is a CFP® and Series 65-licensed financial advisor with four years of industry experience. She is the sole advisor at Abaya Wealth Management LLC in Buffalo, NY, and previously worked at Buffalo First Wealth Management and Abaya Financial Consulting. Abaya Wealth Management LLC provides discretionary portfolio management and financial planning services to individuals, high-net-worth clients, pension and profit-sharing plans, and foundations. The firm uses a blended investment approach combining fundamental, technical, and quantitative analysis, and offers a distinctive pension consulting service managed internally rather than through third-party advisers.

Willard Saperston is a financial advisor at Saperston Legacy Advisors, Inc. with 48 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with several related firms, including his own family-named entities dating back to 1981. Saperston Legacy Advisors provides investment supervisory services and individual portfolio management to retail and high-net-worth individuals, pension plans, charitable organizations, and corporate clients. The firm emphasizes technical and momentum-based analysis alongside fundamental review, offering discretionary and non-discretionary management through proprietary asset-allocation programs and consulting services.

Jennifer Roberts is a financial advisor at Winthrop Partners - WNY, LLC with the ChFC® designation and four years of industry experience. She previously worked at Elleverage and Winthrop Financial. Winthrop Partners – WNY, LLC provides financial planning and portfolio management to individuals, institutions, and fiduciary entities. The firm employs a top-down/bottom-up investment approach and offers customized portfolios across a range of risk profiles, along with specialized programs for concentrated holdings and smaller accounts.

Thomas Saunders is a financial advisor with Winthrop Partners – WNY, LLC, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. He has worked at Locust Capital Management since 2014 and has been associated with LPL Financial since 2010. Outside of his advisory roles, Saunders is involved in managing a real estate property, including rent collection and minor repairs. Winthrop Partners – WNY, LLC provides financial planning and portfolio management services to individuals, institutions, and fiduciary entities. The firm uses a top-down and bottom-up investment approach that combines fundamental equity analysis with screening of mutual funds and ETFs, offering customized portfolios across various risk profiles.

Robert Miller, Jr. is a CFP® with nine years of industry experience and has been with Miller, Gesko & Company Inc. since 1999. He is based in Buffalo, NY, and holds a Series 63 license. Miller, Gesko & Company Inc. is an SEC-registered independent investment adviser managing approximately $170 million for about 87 clients, primarily individuals, trusts, estates, and charitable organizations. The firm uses fundamental analysis to build customized portfolios and offers a range of services including discretionary and non-discretionary investment management, trust administration, and informal tax planning.

Christine Collins Schwinger is a financial advisor at Collins Advisors, LLC with a Series 65 designation and three years of industry experience. She has been with Collins Advisors since 2005. Collins Advisors, LLC provides comprehensive portfolio management and retirement plan consulting to individuals, trusts, estates, pension and profit-sharing plans, and business entities. The firm employs a variety of analytical methods and diversified asset allocation strategies, offering tailored services that include ongoing monitoring and rebalancing.

David Braunstein is a financial advisor at Saperston Legacy Advisors, Inc. with 49 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms including Brighton Securities Corp and Saperston Asset Management, Inc. prior to joining his current firm. Saperston Legacy Advisors provides investment supervisory services and portfolio management to retail and high-net-worth individuals, pension plans, charitable organizations, and corporate clients. The firm employs a combination of technical and momentum-based analysis alongside fundamental review, offering discretionary and non-discretionary management through proprietary asset-allocation programs focused on mutual funds, stocks, bonds, and ETFs.

Neil Farrell is a financial advisor at Farrell Financial with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Arbor Point Advisors and Securities America Inc. from 2014 to 2022. Farrell Financial offers fee-based investment advisory services and comprehensive financial planning to individuals, trusts, estates, charitable organizations, and business entities. The firm employs a tactical allocation strategy based on fundamental analysis, managing portfolios on a discretionary basis and serving both non-high-net-worth and high-net-worth clients.

Anna Pujolas is a financial advisor at Collins Advisors, LLC with 13 years of industry experience. She holds Series 65 and Series 66 licenses and previously worked at Wells Fargo Clearing Services, LLC and HSBC Bank USA, N.A. Collins Advisors, LLC provides comprehensive portfolio management and retirement plan consulting to individuals, trusts, estates, pension and profit-sharing plans, and business entities, using a diversified investment approach that includes fundamental, technical, quantitative, cyclical, and qualitative analysis. The firm manages approximately $159 million in client assets and serves around 256 client relationships.

Chelsea Makowski is a CFP®-credentialed financial advisor with SENIOR Financial and Realty Assoc. in Orchard Park, NY, bringing four years of industry experience. She has been with SENIOR Financial and Realty Assoc. since 2017 and previously worked at Bryant & Stratton College and Gap Inc. SENIOR Financial and Tax Associates is a fee-only advisory firm serving individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and small businesses. The firm emphasizes strategic asset allocation using primarily no-load and low-load mutual funds and ETFs, managing accounts mostly on a discretionary basis with regular reviews.

Ryan Collins is a financial advisor at Invictus Advisory Services with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Invictus since 2021. His prior experience includes roles at MML Investors Services and Massachusetts Mutual Life Insurance Company. Outside of his advisory work, Collins is employed at Milestone Consulting, LLC, where he provides consulting services focused on settlement preservation, economic analysis, and protection of government benefits for attorneys and plaintiffs. Invictus Advisory Services offers discretionary portfolio management and financial planning primarily for individuals, trusts, charities, and estates, with a focus on clients receiving personal injury, wrongful death, or workers’ compensation settlements. The firm emphasizes tailored asset allocations, long-term market exposure, and coordination with legal professionals through affiliated settlement-planning and lien-resolution services.

Kristina Saperston is a financial advisor at Saperston Legacy Advisors, Inc. with 16 years of industry experience. She holds Series 63 and Series 65 licenses and has held various roles within the Saperston family of firms since 1998, including positions at Saperston Real Estate Corp. and related management companies. Saperston Legacy Advisors provides investment supervisory services and portfolio management to retail and high-net-worth individuals, pension plans, charitable organizations, and corporate clients. The firm emphasizes technical and momentum-based analysis in its investment process and offers both discretionary and non-discretionary management through proprietary asset-allocation programs.

Nickole Garrison is a CFP® with 12 years of industry experience, currently serving at Garrison Murphy Wealth Management, LLC since 2018. Prior to this, she worked at M&T Securities Inc. and M&T Bank from 2012 to 2018. She holds board and audit committee roles with several nonprofit organizations in Buffalo, including the Buffalo Center for Arts and Technology, WNY Women’s Foundation, and the Buffalo Philharmonic Orchestra, and serves on the Investment and Finance Committees of the Community Foundation for Greater Buffalo. Garrison Murphy Wealth Management provides integrated wealth advisory and portfolio management services to individuals, charitable organizations, and corporations, emphasizing tax-aware asset allocation, strategic portfolio management, and private placement investments for accredited investors. The firm manages a concentrated client base and integrates private fund administration and performance reporting into consolidated client views.

Robert Werner is a CFP® and CFA® with 10 years of industry experience. He is Managing Member and Chief Investment Officer at Winthrop Partners – EPA, LLC and its affiliated entities, where he has worked since 2015. Prior to that, he spent one year at Locust Capital Management. Winthrop Partners – EPA, LLC provides investment advisory and financial planning services to individuals, trusts, estates, retirement plans, and other entities. The firm employs a holistic discovery process to tailor portfolios across a range of risk profiles, combining sector allocation with security selection in equities, mutual funds, and ETFs, and offers coordinated annual reviews.

Joseph Chappius is a financial advisor at Under Par Planning LLC with 11 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at Northwestern Mutual and its affiliated companies for nearly a decade before joining Under Par Planning in 2020. Under Par Planning LLC provides financial planning, investment management, retirement plan consulting, and tax preparation services for individuals and high-net-worth clients. The firm emphasizes long-term, broadly diversified asset allocation using low-cost mutual funds and ETFs, offering tiered planning memberships and continuous portfolio management tailored to client needs.