John Birkby is a CFP® professional with 42 years of industry experience, currently affiliated with Commonwealth Financial Network and Clark & Company Wealth Management since 2024. He previously worked at Lincoln Financial Securities from 2008 to 2024. Outside of advising, he is a co-owner of Swanson & Birkby Associates, LLC, a commercial real estate management entity. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their retail and institutional clients, providing a range of advisory programs, wealth management, and retirement plan consulting. The firm offers operational support, investment management, and compliance services to affiliated advisors who generally have discretion in constructing client portfolios.

Nels Nelson Jr. is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 65 licenses and possessing 24 years of industry experience. His prior roles include positions at Lincoln Financial Securities and MassMutual. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of nearly 2,900 advisors and managing approximately $212.7 billion in client assets. The firm offers a broad adviser-support platform with discretionary and nondiscretionary managed-account programs, access to third-party asset managers, and comprehensive custody and clearing services.

Thomas Anderson is a financial advisor with Key Investment Services LLC, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at Raymond James Financial, Massachusetts Mutual Life Insurance, and Morgan Stanley. He serves as an alumni board committee member for St. Francis High School and is a young professional board member for Big Brothers Big Sisters of Niagara/Southern Tier. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through wrap-fee advisory programs, model portfolios, separately managed accounts, and brokerage and insurance products. The firm emphasizes client-directed model selection with ongoing monitoring and performs due diligence on third-party advisory products, operating within the KeyCorp group and maintaining significant affiliations with KeyBank and KeyBanc Capital Markets.

Michael Muffoletto is a CFP® professional with seven years of industry experience, currently affiliated with Commonwealth Financial Network. His prior roles include positions at Lincoln Financial Securities and MML Investors Services. He is also involved in referring payroll services through ADP, Inc. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing roughly $213 billion in client assets. The firm offers a comprehensive adviser-support platform with discretionary and nondiscretionary managed-account programs, access to third-party asset managers, and a variety of investment options.

Peter Bushman is a financial advisor with Key Investment Services LLC, holding Series 66 and Series 63 licenses and bringing 14 years of industry experience. His prior roles include positions at HSBC Securities (USA) Inc and M&T Securities, as well as banking experience at HSBC Bank USA, N.A. and M&T Bank. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through various advisory programs including wrap-fee programs, model portfolios, and separately managed accounts. The firm emphasizes client-directed investment choices supported by non-binding recommendations and ongoing oversight, operating within the KeyCorp group with connections to KeyBank and KeyBanc Capital Markets.

Edward Harof is a financial advisor with Commonwealth Financial Network in Williamsville, NY, holding Series 63 and Series 66 licenses and 44 years of industry experience. His prior roles include long tenures at Royal Alliance Associates, INC. and Georgetown Capital Group from 1991 to 2019. He is also the owner of Rampart Asset Management Group, LLC, a private entity involved in securities, advisory, and insurance business activities. Commonwealth Financial Network serves a national network of approximately 2,900 affiliated advisors and manages about $212.7 billion in client assets. The firm offers comprehensive adviser support, including managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

Elroy Goodyear is a CFP® with 25 years of industry experience, currently advising at Cetera since 2022. His prior roles include 13 years at Saxony Securities, Inc. He is also the owner of Goodyear Financial Services, Inc., an expense management business. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, retirement plans, and institutional accounts. The firm offers a range of portfolio management, financial planning, and consulting services through a large network of independent advisors and utilizes multiple program structures and custodial relationships.

Blake Dougherty is a Senior Financial Advisor with Merrill Lynch Wealth Management in Williamsville, New York. Since joining the firm in 2015, he has focused on understanding the priorities of individuals, families, and businesses to provide personalized attention and customized investment management strategies. Blake leverages the investment capabilities of Merrill Lynch Wealth Management alongside the banking resources of Bank of America to support clients in addressing various aspects of their financial lives. Blake works closely with clients to identify key goals such as education funding, tax minimization, retirement planning, and wealth preservation. His expertise encompasses corporate benefits, executive compensation, family wealth management, liquidity management, and retirement income strategies, among other areas. His approach involves crafting disciplined strategies aimed at helping clients build, manage, and preserve wealth for current and future generations. Blake earned a Bachelor of Science degree in Finance from Bentley University in Waltham, Massachusetts, where he also played Division I Ice Hockey for four years. He holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Outside of his professional life, Blake enjoys football, golfing, ice hockey, watching movies, and practicing yoga.

Robert Oates is a financial advisor at OSAIC with 37 years of industry experience. He holds a Series 63 designation and previously worked for Securities America Advisors, Inc. and Securities America, Inc. for 19 years. Outside of advisory work, he is president of a fixed insurance products business. OSAIC serves a diverse client base including individual and institutional investors through a large network of affiliated advisors. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools and multiple investment platforms to manage portfolios across various asset classes.

Maxwell Havens is a financial advisor with LPL Financial in Batavia, NY, holding Series 66 and Series 63 registrations and two years of industry experience. His background includes roles at ESL Investment Services, ESL Federal Credit Union, and prior experience outside the financial industry. He is also commissioned as a notary public. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios and research from internal and third-party sources.

Jeremy Yolken is a financial advisor at Merrill with 21 years of industry experience. He holds a Series 66 designation and has worked at Bank of America and Merrill since 2015. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Kristi Mahoney is a financial advisor at LPL Enterprise with two years of industry experience. She holds a Series 66 designation and has worked previously at The Prudential Insurance Company of America, Pruco Securities LLC, Kemper, Travelers, and Legal Debt Processing Services. LPL Enterprise serves a diverse range of clients including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, access to model wealth portfolios, third-party asset management, and a variety of brokerage and insurance products.

Joseph Bohen is a financial advisor at LPL Financial with 15 years of industry experience. He previously worked at Cadaret, Grant & Co., Inc. for four years and Dopkins Wealth Management for eight years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, utilizing model portfolios, research, and various management approaches.

Timothy Talbot is a financial advisor at Cambridge Investment Research Advisors with 12 years of industry experience. He holds a Series 63 designation and has worked at firms including Prudential Insurance Company of America and Securities America. Talbot is also involved in an entrepreneurial venture, owning Attain Wealth Planning, a business focused on investment and insurance services. Cambridge Investment Research Advisors provides financial planning, investment management, and retirement plan advisory services to a diverse client base, including individuals, pension plans, and charitable organizations. The firm offers a variety of investment implementation options through a network of independent Financial Professionals, utilizing proprietary models and third-party strategies.

David Russell is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has worked at LPL Financial since 2020 and previously spent 11 years with Wells Fargo Advisors Financial Network LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and retirement consulting, employing both discretionary and non-discretionary management alongside model portfolios and research from multiple sources.

Lawrence Pignataro IV is a financial advisor with Osaic Wealth, Inc. based in Depew, NY, holding Series 63 and Series 65 licenses with seven years of industry experience. His career includes roles at Securities America and Investacorp, and he also manages Pignataro Financial Group, an accounting and tax preparation business. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, and institutions, offering integrated brokerage and advisory services with access to multiple platforms and third-party managers. The firm employs various asset-allocation tools and supports discretionary and non-discretionary management, with a notable corporate structure involving multiple mergers and private-equity ownership.

Christopher Shafer is a financial advisor with RBC Capital Markets, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has been with RBC Capital Markets Corporation since 2005. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers multiple advisory programs with tailored investment strategies implemented through various in-house and third-party managers, supported by RBC’s extensive capital-markets capabilities.

Peter Biltekoff is a financial advisor with Merrill in Williamsville, NY, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2007 and with Bank of America, N.A. since 2011. 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, offering model-based and discretionary strategies tailored for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Alex Dorofy is a financial advisor with LPL Enterprise, holding a Series 63 designation and totaling nine years of industry experience. His prior roles include positions at Prudential Insurance Company of America and Pruco Securities, LLC, as well as early experience at Geico. Outside of his advisory work, he owns a small business called Bee Run Honey. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, consulting, and access to model portfolios and third-party asset management, combining advisory programs with brokerage and insurance product sales through an integrated platform.

Joseph Fecio is a CFP® professional with 28 years of industry experience, currently serving at Raymond James Financial Services Advisors, Inc. He previously worked at Commonwealth Financial Network and Lincoln Financial Advisors. He has maintained a long-standing appointment as an insurance agent for non-variable life insurance policies. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and supports advisory programs and institutional consulting through a large network of advisors.