Daniel Toole is a financial advisor at F.L. Putnam Investment Management Co. with five years of industry experience. He holds the Series 63 designation and previously worked at Arbor Capital Management, Corp for six years and Atlantic Capital for twelve years. F.L. Putnam serves a diverse client base including individual investors, families, and institutions such as foundations and endowments. The firm provides customized, team-based investment management, financial planning, and advisory services across various asset classes, incorporating both internally managed strategies and third-party managers.

John Thur is a CFA® charterholder and Series 63 licensed advisor with four years of industry experience. He has been with Independent Solutions Wealth Management, LLC since 2013. Independent Solutions Wealth Management provides investment advisory and planning services to individuals, high-net-worth clients, and retirement plans. The firm emphasizes strategic asset allocation across a five-tier risk spectrum and employs both fundamental and technical analysis in portfolio management.

Daniel Stoll is a financial advisor with Eagle Strategies (New York Life) based in Lockport, NY, holding Series 63 and Series 65 licenses and possessing 27 years of industry experience. He has worked with Eagle Strategies since 2011 and has been affiliated with New York Life and its related entities since 1998. Outside of his financial advisory roles, he is also active as a musician on a part-time basis. Eagle Strategies serves a diverse client base including individual investors and institutional clients, providing financial planning, investment management, and retirement-plan advisory services. The firm offers multiple program types aimed at tailoring solutions to client objectives and operates mostly on a non-discretionary asset management basis within the New York Life affiliate network.

Andrew Fox is a financial advisor with HSBC Securities (USA) Inc. in Williamsville, NY, holding Series 63 and Series 66 licenses and bringing 35 years of industry experience. He has worked at HSBC Bank USA, N.A. since 2016 and HSBC Securities (USA) Inc. since 2013, with prior experience at Fifth Third Securities, Inc. and Truist Investment Services, Inc. He also serves as a Bank Officer for HSBC Bank (USA) N.A., engaging in the sale of bank-related products alongside his advisory role. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations through various discretionary and non-discretionary programs. The firm employs a structured investment process incorporating multiple risk profiles and uses affiliated and third-party providers for advisory, fund selection, and custody services.

Andrew Pokriki is a financial advisor with Eagle Strategies (New York Life) based in Williamsville, NY. He holds a Series 66 designation and has two years of industry experience. Prior to his current role, he worked at Equitable Advisors, LLC and has a diverse work history including roles at Uber, DoorDash, and Amazon. Eagle Strategies serves a broad mix of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated advisers. The firm offers multiple program types and emphasizes tailoring recommendations to client objectives and plan sponsor criteria, with the majority of assets managed on a non-discretionary basis.

Joshua Denz is a CFP® and holds a Series 66 license, with three years of industry experience. He has been with Lincoln Investment since 2023 and has prior experience with Canisius College and the University at Buffalo. Outside of his advisory role, he also works as a sales associate assisting senior representatives in financial services. Lincoln Investment Planning, LLC is a large enterprise firm serving individual and high-net-worth investors, trusts, charities, and retirement plans. The firm offers comprehensive financial planning and portfolio management services supported by an in-house Investment Management & Research team and various third-party managers.

Kristin Meyer is a financial advisor with United Planners Financial Services of America and holds Series 63 and Series 65 licenses. She has 18 years of experience in the industry, including prior roles at ATT Financial Group/American Portfolios Financial Services and Nucci Financial. Outside of her advisory work, Meyer is a group fitness instructor and serves on community and civic boards in Niagara County. United Planners Financial Services serves a diverse range of clients, including individuals, corporations, charitable organizations, and institutional investors. The firm operates an open-architecture platform using multiple custodians and third-party money managers, with a focus on largely non-discretionary asset management.

Richard Brewer Jr. is a financial advisor with TIAA-CREF, holding a Series 66 designation and 18 years of industry experience. He has been with TIAA-CREF since 2012. Outside of his advisory role, Brewer serves as a board member and president of EMW Youth Lacrosse and coaches boys lacrosse for the Iroquois Central School District. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning, discretionary managed accounts, and broker-dealer services primarily to individuals with ties to TIAA-administered retirement plans, as well as trusts, estates, and corporate entities. The firm’s advisory model separates one-time planning services from ongoing management and includes managed account programs with both model and customized portfolios.

Joseph Ervolina is a financial advisor with Kestra Advisory and holds a Series 66 designation. He has 25 years of industry experience, including previous roles at Geneos Wealth Management Inc. Ervolina is also president of Cornerstone Capital Wealth Management Inc., where he manages the practice and oversees financial planning. Kestra Advisory Services provides investment advisory and retirement-plan consulting to institutional and individual clients, offering services such as fiduciary consulting, plan design, employee education, and advisor-managed accounts. The firm serves large institutional investors and sponsors, with reported assets under management near $79.8 billion.

Markus Williams is a financial advisor with Lincoln Investment in Amherst, NY, holding Series 63 and Series 65 credentials and 11 years of industry experience. His prior work includes roles at Key Investment Services, KeyBank, Prudential Insurance Company of America, and Allstate Insurance Company. Outside of financial services, he works as an operations coordinator in logistics. Lincoln Investment Planning, LLC is a large enterprise firm serving a diverse client base, including individual investors, high-net-worth clients, trusts, charities, and retirement plans. The firm combines advisor-led consulting with model portfolio management and employs an in-house Investment Management & Research team alongside third-party managers to provide tailored investment solutions.

Darren Butler is a financial advisor at Citizens Securities, Inc. with three years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at JPMorgan Chase Bank, N.A., J.P. Morgan Securities LLC, and Bank of America. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans, offering both investment advisory programs and brokerage and insurance services. The firm’s investment approach includes a digital advisory program utilizing ETF-based portfolios guided by proprietary algorithms and client risk-tolerance assessments, alongside commission-based brokerage and other services.

Tyler Zeplowitz is a financial advisor with Eagle Strategies (NY Life) based in Williamsville, NY. He holds Series 63 and Series 65 designations and has one year of industry experience. His prior roles include positions at NYLIFE Securities LLC and New York Life, as well as work outside finance at Dicks Sporting Goods and Bubble Boy Car Wash. Eagle Strategies serves a diverse client base, including individual investors and institutional clients, providing financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored recommendations across multiple advisory programs and manages the majority of its assets under non-discretionary arrangements.

Nicholas Pontrello is a financial advisor at Lincoln Investment with a Series 66 designation and one year of industry experience. Prior to his advisory role, he held positions at Perry's Ice Cream Co., Inc., Kenny Enterprises, and several other companies. Nicholas is based in Amherst, NY. Lincoln Investment Planning, LLC is a large enterprise advisory and broker-dealer serving a diverse client base including individuals, high-net-worth investors, trusts, charities, and retirement plans. The firm offers financial planning, portfolio management, and access to third-party managers, supported by an in-house Investment Management & Research team that develops strategic model portfolios and adaptive investment strategies.

Michael Constantino is a Series 63-licensed financial advisor with Lincoln Investment in Amherst, NY, bringing 19 years of industry experience. He has worked at Lincoln Investment since 2017 and previously held roles at Legend Advisory Corporation and Legend Equities Corporation. In addition to his advisory duties, he is involved in marketing, research, and appointment setting as a sales assistant. Lincoln Investment Planning, LLC serves a diverse client base including individuals, high-net-worth investors, trusts, charities, and corporate and ERISA retirement plans, with a particular history of working with educators and 403(b) and 457(b) plan participants. The firm offers a range of financial planning and portfolio management services, supported by an in-house Investment Management & Research team that develops strategic model portfolios and adaptive strategies.

Robert Leombruno Jr is a financial advisor with Valic Financial Advisors in Williamsville, NY, holding Series 63 and Series 65 licenses and having 18 years of industry experience. His career includes roles at Agia and Massachusetts Mutual Life Insurance Company. He is also the owner of Max Property Development, managing a multi-unit residential property. Valic Financial Advisors serves primarily U.S. individuals, including high net worth clients and employer-sponsored retirement participants, providing portfolio management and financial planning through a large network of advisors. The firm uses discretionary unified managed accounts and offers tax-aware and ESG overlay services, operating at scale with approximately $29.2 billion in assets under management.

Nicole Smykowski is a financial advisor with HSBC Securities (USA) Inc. in Grand Island, NY, holding a Series 66 designation and 18 years of industry experience. Her prior roles include positions at Trubee, Collins & Co, Inc, LPL Financial, and M&T Securities. Smykowski has spent multiple periods at HSBC entities since 2016. HSBC Securities (USA) Inc. offers managed account programs serving individuals, retirement accounts, charitable organizations, and corporations. The firm provides various client-directed and discretionary investment programs supported by a structured investment process and oversight from affiliated and third-party providers.

Adam Hammer is a Series 66 licensed advisor with 12 years of industry experience. He currently works at Kestra Advisory Services, LLC, joining in 2026 after prior roles at Commonwealth Financial Network and Hammer Financial Group. Outside of advising, he is an author of investment-related books including *Learn Investing Now! How You Can Create an Effective Strategy in a World of Inflation, Volatility and War!*. Kestra Advisory Services provides investment advisory and retirement-plan consulting to institutional and individual clients, offering fiduciary consulting, plan-level investment advice, and access to multiple management platforms. The firm serves a diverse client base, including large institutional investors and sovereign wealth funds, managing approximately $79.8 billion in assets.

Edward Burgio III is a financial advisor at Independent Financial Partners with 16 years of industry experience. He holds a Series 66 designation and has worked at Independent Financial Partners since 2019, with prior experience at Key Investment Services LLC. Outside of his primary role, he owns Harbor Wealth Advisors, a financial advising business. Independent Financial Partners provides investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent advisors. The firm supports a multi-advisor platform serving individual, charitable, corporate, and high-net-worth clients, offering both discretionary and non-discretionary management with a notable focus on retirement-plan advisory and pension consulting.

Christopher Moribella is a financial advisor with Lincoln Investment in Amherst, NY, holding a Series 63 designation and 40 years of industry experience. He has worked at Lincoln Investment since 2017, following eight years at Legend Advisory Corporation and 31 years at Legend Equities Corporation. Lincoln Investment Planning, LLC is a large enterprise investment advisory and broker-dealer that serves individual and high-net-worth clients, trusts, charities, and retirement plans, with a history of working with educators and 403(b) and 457(b) program participants. The firm offers financial planning, portfolio management, and advisor-led consulting supported by an in-house Investment Management & Research team that develops strategic and adaptive model portfolios.

Lauren Cecchini is a financial advisor with Lincoln Investment in Amherst, NY, holding Series 63 and Series 66 licenses and one year of industry experience. Prior to joining Lincoln Investment, she worked at Fidelity Investments and has a diverse background including small business ventures in automotive detailing and related fields. Lincoln Investment Planning, LLC is a large enterprise advisory and broker-dealer serving a broad client base that includes individual and high-net-worth investors, trusts, charities, and retirement plans. The firm offers financial planning, portfolio management, and access to third-party managers, supported by an in-house Investment Management & Research team and a layered delivery model involving independent advisors and co-adviser relationships.