I'm a retirement focused advisor with over 12 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.

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.

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 7 years at the firm and a total of 14 years in the industry. She holds the ChFC® designation and Series 63 license. Her prior experience includes roles at Elleverage and Winthrop Financial. Winthrop Partners – WNY, LLC provides investment advisory, financial planning, and subscription-style planning services to individuals, high-net-worth clients, trusts, estates, charitable organizations, retirement plans, and business entities. The firm offers discretionary and non-discretionary portfolio management with a top-down/bottom-up investment approach, incorporating tax-aware fixed-income ladders and a legacy-portfolio program.

Aidan Cloherty is a Series 65-licensed financial advisor at Farrell Financial with one year of experience. His work history includes roles in education and hospitality sectors, such as positions at the University of Vermont and Buffalo Boat Tours. Farrell Financial provides fee-based investment advisory and comprehensive financial planning services to individuals, trusts, estates, charitable organizations, and businesses. The firm employs a tactical allocation strategy grounded in fundamental analysis and manages portfolios on a discretionary basis for both high-net-worth and non-high-net-worth clients.

Thomas Saunders Jr. is a financial advisor at Winthrop Partners – WNY, LLC with 11 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Locust Capital Management and LPL Financial. Winthrop Partners – WNY, LLC provides investment advisory and financial planning services to individuals, high-net-worth clients, trusts, estates, charitable organizations, retirement plans, and business entities. The firm uses a disciplined investment process that combines individual equities, fixed income, ETFs, and mutual funds with a top-down/bottom-up selection approach, offering both discretionary and non-discretionary portfolio management along with ongoing financial planning.

David Braunstein is a financial advisor at Saperston Legacy Advisors, Inc. with 49 years of industry experience. He holds Series 65 and Series 63 licenses and has previously worked at Brighton Securities Corp and Saperston Asset Management, Inc. His current role began in 2025. Saperston Legacy Advisors provides investment supervisory services and portfolio management to retail and high-net-worth individuals, as well as pension plans, charitable organizations, and corporate clients. The firm applies technical and momentum-based analysis alongside fundamental review, offering both discretionary and non-discretionary management through proprietary asset-allocation programs.

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.

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.

Kristina Saperston is a financial advisor at Saperston Legacy Advisors, Inc. in Hamburg, NY, holding Series 63 and Series 65 licenses with 17 years of industry experience. Her work history includes roles at Brighton Securities Corp and multiple related businesses under the Saperston name. She is involved in several affiliated companies offering private client services and real estate brokerage. 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 alongside fundamental review, using proprietary asset-allocation programs and various research sources.

Robert Werner is a CFP® and CFA® with 10 years of industry experience, currently serving as Managing Member and Chief Investment Officer at Winthrop Partners – EPA, LLC. He has been with Winthrop Partners and its affiliated entities since 2015. Mr. Werner is not engaged in any other business activities outside his roles at these firms. Winthrop Partners – EPA, LLC provides investment advisory and financial planning services to individuals, high-net-worth clients, trusts, estates, charitable organizations, pension plans, and corporations. The firm employs a top-down and bottom-up approach to asset allocation and stock selection, offering both discretionary and non-discretionary portfolio management tailored to client risk tolerance and goals.

James Taylor III is a financial advisor at Saperston Legacy Advisors, Inc. with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Brighton Securities Corp, First Allied Securities Inc., and Summit Wealth Management Inc. 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 uses proprietary asset-allocation programs and emphasizes technical and momentum-based analysis alongside fundamental review in its investment approach.

Ryan Carney is a financial advisor with Winthrop Partners – WNY, LLC, holding a Series 66 designation and 10 years of industry experience. He has been with Winthrop Partners since 2016. Winthrop Partners – WNY, LLC provides investment advisory and financial planning services to individuals, high-net-worth clients, trusts, estates, charitable organizations, retirement plans, and business entities. The firm uses a discovery process to establish client goals and risk tolerance, implementing portfolios with a mix of individual equities, fixed income, ETFs, and mutual funds across a range of model allocations, and offers specialized services such as a subscription-style planning service and legacy-portfolio management.

Neil Farrell is a financial advisor at Farrell Financial with a Series 65 designation and four years of industry experience. Prior to joining Farrell Financial, he worked at The University of Tennessee at Chattanooga and served in the United States Air Force Academy. Farrell Financial provides 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 and manages client portfolios on a discretionary basis, serving both non-high-net-worth and high-net-worth clients.

Keith Maderer is a financial advisor at SENIOR Financial and Realty Assoc. with four years of industry experience. He holds a Series 63 designation and has been with SENIOR Financial and Realty Assoc. since 1990. 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 focuses on personalized financial planning and discretionary investment management, using a strategic asset allocation approach with primarily no-load and low-load mutual funds and ETFs.

Angela Hall is a CFP® with 17 years of industry experience. She is currently with Note Advisors, LLC and has held prior roles at GCW Capital, Sterling Investment Counsel, LPL Financial, Jensen Marks Langer and Vance, Sii Investments, and Morgan Stanley. Outside of her advisory work, she is an Independent Insurance Agent specializing in various life and health insurance products. Note Advisors serves individuals, families, trusts, charitable organizations, pensions, and corporations, with a focus on high-net-worth households. The firm emphasizes a financial planning-driven approach and offers in-house tax preparation, wealth coaching, estate-planning assistance, and discretionary asset management.

Matthew Hayes is a CFP® with seven years of experience in the financial industry. He is currently affiliated with Moldenhauer & Associates, where he has worked for four years, and previously held roles at Commonwealth Financial Network, Equitable Advisors, and TRG Capital Management. Outside of advisory work, he spends part of his time engaged in fixed insurance sales. Moldenhauer & Associates provides financial planning and asset management services to individual investors, retirement plans, charitable organizations, and businesses. The firm offers discretionary portfolio management and fee-for-service consulting, utilizing a platform relationship with Commonwealth to implement portfolios through advisor-managed and model-based wrap programs.

John Ring III is a financial advisor at Moldenhauer & Associates with 10 years of industry experience. He holds the Series 63 and Series 66 designations and has a background that includes over three decades as a practicing attorney, owning his own law firm and serving as a Chapter 7 Bankruptcy Trustee. Moldenhauer & Associates provides financial planning and asset management services to individual investors, retirement plans, charitable organizations, and businesses, utilizing discretionary portfolio management and access to third-party asset managers. The firm is notable for sponsoring and providing oversight of wrap fee programs offered through their platform relationships.

Brian Norman is a financial advisor at Moldenhauer & Associates with two years of industry experience. He holds a Series 66 designation and has worked at several firms, including Merit Financial Advisors, Purshe Kaplan Sterling Investments, and Commonwealth Financial Network. Moldenhauer & Associates provides financial planning and asset management services to individual investors, retirement plans, charitable organizations, and businesses. The firm offers discretionary portfolio management through platform relationships, primarily with Commonwealth, and serves as a sponsor and supervisory overseer for wrap fee programs and third-party managers.

Patrick O'Connell is a financial advisor at Moldenhauer & Associates with 10 years of industry experience. He holds Series 63 and Series 66 credentials. His prior work includes roles at Commonwealth Financial Network, Purshe Kaplan Sterling Investments, and Merit Financial Advisors. Moldenhauer & Associates provides financial planning and asset management to individual investors, retirement plans, charitable organizations, and businesses. The firm offers discretionary portfolio management, model and third-party manager programs, and fee-for-service consulting, primarily implementing client portfolios through a platform relationship with Commonwealth.