Cheryl Vallon is a financial advisor with HSBC Securities (USA) Inc. in Buffalo, NY, holding Series 63, 65, and 66 licenses and bringing 22 years of industry experience. She has worked at HSBC Securities since 2010 and with HSBC Technology & Services USA since 2015. HSBC Securities (USA) Inc. provides managed account programs to a diverse client base, including individuals, retirement accounts, charitable organizations, and corporations. The firm offers both client-directed and discretionary investment programs, utilizing model risk profiles and combining strategic and tactical asset allocation developed with HSBC Global Asset Management and affiliated providers.

Joseph Herrmann is a financial advisor with HSBC Securities (USA) Inc. in Buffalo, NY, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. His career includes roles at MassMutual Life Insurance Company, Gilder Gagnon Howe, City National Rochdale, and Merrill. He serves as an advisory board member for Seton Hall University’s Transformative Leadership Certificate Program, contributing to periodic reviews and program development. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations through client-directed and discretionary options. The firm’s investment process combines strategic and tactical asset allocation with ongoing fund due diligence and management, serving a broad client base with both non-discretionary and discretionary portfolios.

Nicole Macdowell is a financial advisor with HSBC Securities (USA) Inc. and holds Series 63 and Series 66 credentials. She has 11 years of industry experience, including prior roles at LPL Financial, M&T Bank, and Wells Fargo Clearing Services. Macdowell also serves as a Bank Officer for HSBC Bank (USA) N.A., engaging in the sale of bank-related products alongside her registered representative duties. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations through several program types, including client-directed and fully discretionary options. The firm employs a multi-profile investment approach and utilizes affiliated and third-party providers for advisory and fund selection services.

Nila Khoury is a financial advisor with HSBC Securities (USA) Inc. in Buffalo, NY, holding Series 63 and Series 65 licenses and 13 years of industry experience. She has worked at HSBC Securities and HSBC Bank USA since 2016 in various roles. HSBC Securities (USA) Inc. offers managed account programs for individuals, retirement accounts, charitable organizations, and corporations through several client-directed and discretionary program types. The firm uses model risk profiles and combines strategic and tactical asset allocation with ongoing fund due diligence, operating as both an SEC-registered adviser and broker-dealer.

Austin Reese is a financial advisor at Key Investment Services LLC with eight years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at HSBC Securities (USA) Inc., Wells Fargo Clearing Services LLC, and Citi Group. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and institutional plan clients through a network of financial professionals, offering portfolio management and model-based advisory products primarily on a non-discretionary basis. The firm employs a multi-provider platform model and integrates services from KeyCorp affiliates, including KeyBank and KeyBanc Capital Markets.

James Krieger is a financial advisor at HSBC Securities (USA) Inc. with 4 years of industry experience. He holds Series 63 and Series 66 licenses and has been associated with HSBC entities since 2010 in various roles, including serving as a bank officer at HSBC Bank USA N.A. in addition to his advisory position. HSBC Securities (USA) Inc. offers managed account programs to a diverse client base, including individuals, retirement accounts, charitable organizations, and corporations, with a range of client-directed and discretionary investment options supported by multiple affiliated service providers.

Charles Garlock is a Series 66-registered financial advisor at HSBC Securities (USA) Inc. in Buffalo, NY, with 11 years of industry experience. He has been with HSBC Securities since 2016, previously working at Key Investment Services LLC and LPL Financial. HSBC Securities (USA) Inc. provides managed account programs for individuals, retirement accounts, charitable organizations, and corporations, offering both client-directed and fully discretionary portfolio options. The firm utilizes model risk profiles and a combination of strategic and tactical asset allocation, supported by affiliated global asset management and fund due diligence providers.

William Fahs is a financial advisor with HSBC Securities (USA) Inc. in Buffalo, NY, holding Series 63 and Series 66 credentials and nine years of industry experience. He joined HSBC Securities and its affiliate HSBC Bank USA, N.A. in 2021, following roles at Key Investment Services, LLC, KEY BANK, and Snorac LLC. Fahs also serves as a bank officer for HSBC Bank USA, engaging in the sale of bank-related products alongside his registered representative duties. HSBC Securities (USA) Inc. offers managed account programs serving individuals, retirement accounts, charitable organizations, and corporations through various client-directed and discretionary options. The firm employs a multi-profile investment process supported by HSBC Global Asset Management and affiliated providers, with a significant portion of managed assets in client-directed, non-discretionary portfolios.

Myles Firey Jr. is a financial advisor with LPL Financial, holding a Series 63 designation and over 33 years of industry experience. He previously worked at Cadaret, Grant & Co., Inc. for 18 years and has been involved with Myles R. Firey & Co., Inc. since 1989, where he serves as Vice President. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives, serving individuals, institutions, and retirement plan participants with a range of financial planning and asset management solutions.

Daniel Meyer is a financial advisor with LPL Financial in Buffalo, NY. He holds a Series 66 designation and has 12 years of industry experience. Prior to joining LPL Financial in 2021, he worked at M&T Securities for eight years. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to various asset management platforms.

Thomas Waters is a financial advisor at Merrill with 20 years of industry experience. He holds Series 65 and Series 66 designations and has worked at several firms including Karpus Investment Management, Wilmington Trust, and M&T Securities. Outside of his advisory role, Waters serves as the Foundation Board Chair for Community Services for Every1, a nonprofit organization in Buffalo, NY. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, and institutional investors.

Martin Zaklikowski is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing over 35 years of experience in financial and wealth management. Since joining Merrill Lynch in 1995, he has specialized in advanced investment strategies, retirement planning, and estate planning. His approach emphasizes a comprehensive understanding of client needs to develop tailored wealth management strategies. He holds a bachelor's degree in Finance and Political Science from Canisius College and is a CERTIFIED FINANCIAL PLANNER® certificant, a designation granted by the Certified Financial Planner Board of Standards, Inc. Martin is a member of the Financial Planning Association (FPA) and the Certified Financial Planner Board of Standards, Inc., and holds the Personal Investment Advisor (PIA) designation. He has also served on the boards of Hopevale, Inc., St. Francis High School, and the Frontier Community Education Advisory Committee. Outside of his professional work, Martin enjoys gardening, music, and spending time with his wife Rebecca and their two children, Adam and Lauren.

Laura Cooley is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and with 21 years of industry experience. She has also provided financial planning and consulting services through Lawley Retirement Advisors, an independent investment advisor firm, since 2017. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Bruce Supernault is a financial advisor at LPL Financial with 41 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. Prior to joining LPL Financial in 2025, he worked at Cadaret, Grant & Co., Inc., Prudential Insurance Company of America, Pruco Securities, LLC, MML Investors Services Inc, and Mass Mutual Life. His outside activities include serving as a notary public in Buffalo, NY. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of investment adviser representatives. The firm serves individuals, retirement plan participants, banks, trust companies, and institutions, offering financial planning, model portfolios, third-party asset management, and various institutional platforms.

Michael Capozzi is a Series 66 licensed financial advisor with 17 years of industry experience. He is currently with LPL Financial and has previously worked at M&T Bank, Charles Schwab, TD Ameritrade, Scottrade, and Equitable Advisors. He manages a DBA business, Wilmington Advisors at M&T, related to his LPL activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a wide range of financial planning and portfolio management services through a large network of advisors and uses various advisory platforms supported by operational and research tools.

Kristine Buchband is a financial advisor at OSAIC with 36 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at firms including Morgan Stanley Private Bank and FSC Securities Corp. She also operates a sole proprietorship as an insurance agent offering potential life insurance and fixed annuity sales to existing clients. OSAIC Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform. The firm offers brokerage and advisory services with an investment process centered on model-based asset allocation, portfolio optimization, and a range of managed account strategies.

Andrew Kelley is a financial advisor with Merrill in Hamburg, NY, holding Series 63 and Series 66 credentials and 19 years of industry experience. He has worked at Bank of America and Merrill since 2015. Outside of finance, he is involved part-time with Spurline Construction, an electrical work business owned by his brother-in-law. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers both model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutional accounts.

William Mittlefehldt is a financial advisor with UBS Financial Services in Buffalo, NY, holding Series 63 and Series 65 licenses and having 10 years of industry experience. He has been with UBS Financial Services since 2015. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research to tailor plans based on clients’ goals and risk tolerances.

Dylan Chmiel is a financial advisor at LPL Financial with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at M&T Securities and Foresters Advisory Services. Outside of advising, he is employed part-time at CSL Plasma. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, with an emphasis on both discretionary and non-discretionary strategies supported by research and technology tools.

Charles Stephan is a financial advisor with Primerica Advisors in West Seneca, NY, holding Series 65 and Series 63 licenses and having 32 years of industry experience. He has been with Primerica Financial Services and Primerica Advisors since 1994. Outside of advisory work, he is involved in the sale of home security and automation products through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm uses model-delivery strategies managed by unaffiliated asset managers and supports trade execution through BNY Mellon Advisors and Pershing.