Nicholas Dirienzo is a CFA® charterholder with six years of industry experience. He is currently with Nottingham Advisors Inc. and previously worked at Manulife Asset Management, State Street, and Putnam Investments. Nottingham Advisors serves a diverse client base including individuals, trusts, pension plans, foundations, and corporations. The firm employs a core/satellite investment approach primarily using ETFs and mutual funds, supplemented by tactical satellite positions selected by an internal Investment Policy Committee.

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.

Matthew Makowski is a financial advisor at Ibis Capital Management, LLC with 11 years at the firm and 14 years of industry experience. He holds a Series 65 designation and is also an attorney, managing his own law firm, Matthew J. Makowski, PLLC, where he practices law part-time. Ibis Capital Management primarily serves individual and trust clients, as well as some pension and profit-sharing plan accounts, offering discretionary portfolio management and financial planning. The firm uses fundamental research with some quantitative inputs to tailor investment strategies based on client risk tolerance, diversification, income needs, and age.

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.

Welcome! I’m Brett, and I’m glad you’re here. I’m a proud born and raised Buffalonian passionate about helping others make the most of their money and their lives as they navigate the transition into retirement. In 2019, I founded Eudaimonia Wealth; a fee-only financial planning firm in Buffalo, NY dedicated to helping local families retire on their terms by providing independent, objective advice. At Eudaimonia Wealth, we realize we can’t be all things to all people and don’t pretend to be. We specialize in helping people who are at or near retirement and need help putting the pieces together. We partner with families to help them generate income from their savings, optimize their investments, and create a tax-efficient distribution plan that supports their needs. Eudaimonia (pronounced you-day-mo-nia) is a term from Greek philosophy used to describe an ultimate state that could be achieved by living a life of meaning, purpose, and fulfillment. It was considered to be a state of “peak performance in the art of living,” and represents to the core what I believe real financial planning is all about.

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.

Mark Kostrzewski is the sole advisor at Kostrzewski, Mark Benedict, holding the ChFC® and Series 63 designations with 30 years of industry experience. He has operated his own advisory practice since 1980. Outside of financial advising, he serves as a managing partner and general partner in oil and natural gas production ventures based in Buffalo, NY. The firm provides advisory referral services primarily to individual clients, including high-net-worth individuals, by referring them to an unaffiliated SEC-registered investment adviser for portfolio management. Kostrzewski evaluates client circumstances to determine the suitability of the referral but does not directly manage client assets or make independent investment recommendations.

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.

Bruce Carrow is a CFP® and ChFC® with 38 years of experience in the financial industry. He has worked at Capital Insights Group of WNY, LLC since 2021 and previously spent 18 years at M&T Securities and M&T Bank. Outside of his advisory role, he serves as an independent contractor and fee-based business exit advisor for Value Cap Inc. Capital Insights Group of WNY, LLC is a fee-only fiduciary that provides financial planning and investment management to individuals, families, small businesses, trusts, estates, and charitable organizations. The firm employs a combination of fundamental, qualitative, and quantitative analysis, using both passive and active investment strategies, and offers educational seminars for clients and prospects.

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.

I founded Capital Insights Group of WNY, an independent Registered Investment Advisory (RIA) firm offering fee-only financial planning and investment management, located in downtown Buffalo, NY. I act as a fiduciary for all of my clients and provide financial guidance that is unique to their needs and situation. Please contact me at chris@cigwny.com or (716) 517-0140 to arrange for a complimentary one-hour meeting to discuss your goals and circumstances.

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.