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Joseph Louis Gugino

Advisor at Commonwealth Financial Network — Fredonia, NY

Updated today

Credentials

CFP®, Series 66

Experience

16 years

Location

Fredonia, NY 14063

Commonwealth Financial Network logo

Commonwealth Financial Network

Enterprise

Total advisors

2,776

Across 1,213 offices

Clients per advisor

128 Very High

Avg AUM per client

$568,323 High

HNW client ratio

12% Typical

About

Joseph Gugino is a financial advisor with Commonwealth Financial Network holding the CFP® and Series 66 designations and 16 years of industry experience. He has been with Commonwealth Financial Network since 2016. Outside of his advisory role, he is the owner of Gugino Wealth Management, Inc., a private entity established to facilitate securities, advisory, and insurance business. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors and hundreds of thousands of individual and institutional clients. The firm offers a broad adviser-support platform that includes managed-account programs, access to third-party asset managers, retirement and plan consulting, and custody/clearing services.

Client services

Based on Commonwealth Financial Network

Financial planning Portfolio management Pension consulting Selection of other advisers Newsletters or periodicals Educational seminars or workshops

Expertise

Based on Commonwealth Financial Network

Passive / index investing Active portfolio management Tax-loss harvesting Wealth management Retirement income strategy

Occupation focus

Based on Commonwealth Financial Network

Founder/Business Owner Executive Retired

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Fee options

Fixed

Flat or fixed fees available for consulting services, including wealth management, retirement plan consulting, and HSA consulting.

Percentage

$0 - $750,000: 2.25% $750,000 - $1,000,000: 2.00% $1,000,000 - $2,000,000: 1.75% $2,000,000+: 1.50%

Commissions

Advisors may receive commissions on securities transactions and insurance products; additional transaction charges may apply in certain programs.

Project-based

Up to $500 per hour for consulting services.

Other

Account minimum: $1,000 Fee-only: Annual fees negotiable; fees based on percentage of assets under management; no performance-based fees.

Location

See office

Fredonia, NY

66 East Main Street

Fredonia NY 14063

Advisors at this office

2

Most active in

New York · Texas

Work history

16 years of industry experience

Commonwealth Financial Network

2021 - Present • 5 years

Waltham, MA

Commonwealth Financial Network

2016 - 2021 • 5 years

Waltham, MA

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

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Michael R

Series 63, Series 65

Fredonia, NY

HBKS Wealth Advisors

Michael Ringler is a financial advisor with HBKS Wealth Advisors in Fredonia, NY, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. His prior roles include positions at Northwestern Mutual and Purshe Kaplan Sterling Investments. He serves as a board member of the Chautauqua County Community Center. HBKS Wealth Advisors serves individual and institutional clients with personalized investment management, financial planning, and pension consulting, employing a broad range of strategies without specializing in any single investment area. The firm offers discretionary portfolio management using proprietary models and multiple platform arrangements, along with affiliated businesses providing accounting, insurance, and sub-advisory services.

Private / alternative investments Options & derivatives strategies Concentrated stock management Retirement income strategy Business exit / sale strategy Founder/Business Owner Executive HENRY (High Earners, Not Rich Yet) Approaching retirement Mid-Career Professionals
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James A

Series 63

Fredonia, NY

HBKS Wealth Advisors

James Arcoraci is a financial advisor with HBKS Wealth Advisors in Fredonia, NY, holding a Series 63 designation and bringing 31 years of industry experience. He has been with HBKS Wealth Advisors since 2016 and also serves as an insurance agent with HBK Sorce Insurance LLC. HBKS Wealth Advisors provides investment management, financial planning, and pension consulting services to individuals, retirement plans, and institutional clients. The firm employs a range of investment strategies and manages portfolios on a discretionary basis using proprietary models, sub-advisors, and multiple platforms.

Private / alternative investments Options & derivatives strategies Concentrated stock management Retirement income strategy Business exit / sale strategy Founder/Business Owner Executive HENRY (High Earners, Not Rich Yet) Approaching retirement Mid-Career Professionals
user avatar

Lawrence F

Series 66

Fredonia, NY

HBKS Wealth Advisors

Lawrence Fiorella is a financial advisor with HBKS Wealth Advisors in Fredonia, NY, holding a Series 66 credential and 20 years of industry experience. He has been with HBKS Wealth Advisors since 2016 and also serves as an insurance agent with HBK Sorce Insurance LLC. Fiorella is a general voting board member of the Southern Chautauqua Federal Credit Union. HBKS Wealth Advisors serves individual, retirement plan, and institutional clients, offering personalized investment management, financial planning, and pension consulting. The firm employs a range of investment strategies and manages portfolios typically on a discretionary basis using proprietary models, sub-advisors, and multiple platforms.

Private / alternative investments Options & derivatives strategies Concentrated stock management Retirement income strategy Business exit / sale strategy Founder/Business Owner Executive HENRY (High Earners, Not Rich Yet) Approaching retirement Mid-Career Professionals
user avatar

Gerald H

Series 63, Series 65

Fredonia, NY

HBKS Wealth Advisors

Gerald Hall is a financial advisor with HBKS Wealth Advisors in Fredonia, NY, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has been with HBKS Wealth Advisors, HBK Sorce Insurance LLC, and Purshe Kaplan Sterling Investments LLC since 2016. Outside of his advisory role, Hall works as an insurance agent with HBK Sorce Insurance. HBKS Wealth Advisors serves individual clients, retirement plans, and institutional clients by providing personalized investment management, financial planning, and pension consulting. The firm uses tailored portfolios and a range of strategies, managing accounts on a discretionary basis while offering additional services such as tax-overlay and cryptocurrency exposure.

Private / alternative investments Options & derivatives strategies Concentrated stock management Retirement income strategy Business exit / sale strategy Founder/Business Owner Executive HENRY (High Earners, Not Rich Yet) Approaching retirement Mid-Career Professionals
user avatar

Shania U

Series 65

Fredonia, NY

HBKS Wealth Advisors

Shania Uhteg is a financial advisor at HBKS Wealth Advisors in Fredonia, NY, holding a Series 65 designation with two years of industry experience. She also serves as a director for the Arcade Area Chamber of Commerce, where she participates in promoting and growing the local community. Her prior work includes roles at HBK Sorce Insurance LLC and the State University of New York at Fredonia. HBKS Wealth Advisors serves a range of clients from non‑high-net-worth individuals to corporate and institutional clients, offering personalized investment management, financial planning, and pension consulting. The firm employs a variety of strategies and platforms, managing portfolios typically on a discretionary basis and providing additional services such as tax overlays and cryptocurrency exposure.

Private / alternative investments Options & derivatives strategies Concentrated stock management Retirement income strategy Business exit / sale strategy Founder/Business Owner Executive HENRY (High Earners, Not Rich Yet) Approaching retirement Mid-Career Professionals
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Luke B

Series 63, Series 65, Series 66

Fredonia, NY

Nwf Advisory Services Inc

Luke Buehler is an investment advisor representative with NWF Advisory Services Inc, holding Series 63, 65, and 66 licenses and bringing 39 years of industry experience. His prior roles include positions at Cetera Advisors, First Allied, and Summit Wealth Management. Outside of his advisory work, he volunteers with the SUNY Fredonia Technology Incubator Mentor Program and serves on the finance committee of the Luca S Calanni Foundation, a nonprofit supporting underprivileged children in Western New York. NWF Advisory Services is an SEC-registered investment adviser managing approximately $6.4 billion in client assets through a network of more than 100 advisors. The firm serves primarily individual and high-net-worth clients, offering portfolio management, financial planning, and retirement plan consulting using an open-architecture, technology-driven platform.

Wealth management Active portfolio management
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