Lauren Anne Heiman

Lucas Englehardt is a Series 65 licensed advisor affiliated with Turtle Wealth. He has 18 years of self-employed experience and has been with Turtle Wealth since its founding in 2026. Turtle Wealth is a fee-only registered investment adviser that serves individuals and high-net-worth clients with wealth management and financial planning. The firm’s investment approach uses Modern Portfolio Theory with a mix of passive and active strategies and offers written financial plans alongside group educational seminars.

Christina Hand is a financial advisor with Blackridge Asset Management, LLC, holding a Series 63 designation and 22 years of industry experience. She has worked with Blackridge since 2021 and has prior experience at Independent Solutions Wealth Management and Peak Brokerage Services. Outside of her advisory role, she owns and operates Germack Financial, a firm offering tax preparation, bookkeeping, payroll, and investing services, and also manages a sole proprietorship specializing in insurance and annuities. Blackridge Asset Management provides financial planning, investment management, and consulting services to individuals, high-net-worth clients, trusts, estates, corporations, retirement plans, and charitable organizations. The firm employs a network model with discretionary and non-discretionary portfolio management, utilizing fundamental and technical analysis alongside asset allocation and diversification strategies.

Terry Muchler is a financial advisor with Allworth Financial, L.P. He holds Series 63 and Series 65 credentials and has 35 years of industry experience. His prior roles include positions at Muchler Financial Services and Securities America, Inc. He serves as a Rotary board member and foundation chair in Dansville, NY. Allworth Financial is a fee-based SEC-registered adviser serving individuals, qualified retirement plans, trusts, estates, charitable organizations, and corporate clients. The firm offers customized portfolio management using various model strategies and employs technology solutions to manage held-away employer retirement accounts.

Nicole Jones is a financial advisor with J.W. Cole Advisors, Inc., holding a Series 63 license and 10 years of industry experience. Her previous roles include positions at Ameritas Advisory Services, LLC, Ameritas Investment Corp, and United Professional Advisors. Outside of advisory work, she is involved in insurance sales through Lifetime Planning, Inc. and Fixed Insurance, where she advises clients on life insurance, annuities, disability, and long-term care products. J.W. Cole Advisors is an SEC-registered firm serving individuals, charities, corporations, and retirement plans through a national network of over 400 independent investment adviser representatives. The firm offers portfolio management, financial planning, and access to various managed account solutions, with investment decisions implemented on both discretionary and non-discretionary bases.

Gary Everts is a financial advisor at OSAIC with 37 years of industry experience. He holds a Series 63 designation and has previously worked at Securities America Advisors and INVEST Financial Corp. Everts is also involved with Future Financial Group, where he is a broker focusing on the sale of fixed life insurance, fixed annuities, long-term care, and disability income products. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing firm-provided tools and third-party platforms to construct portfolios across various asset classes managed on discretionary or non-discretionary bases.

James Scott is a financial advisor at OSAIC with 33 years of industry experience. He holds Series 63 and Series 66 credentials and previously worked at Securities America Advisors and Invest Financial Corporation. Outside of his advisory work, he serves as a bus driver for the Clarence Central School District. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, corporations, and charitable organizations through a large network of advisers. The firm provides integrated brokerage and advisory services with a focus on asset allocation, efficient-frontier analysis, and access to third-party money managers and wrap programs.