Mary Juliet Manavalan is a registered representative with HSBC Securities (USA) Inc. and has 11 years of industry experience. She holds Series 63 and Series 66 credentials and also serves as a Bank Officer for HSBC Bank (USA) N.A., an affiliate of her broker-dealer, where she engages in the sale of bank-related products and services. Her tenure with HSBC entities dates back to 2014. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations through various client-directed and discretionary strategies. The firm employs model risk profiles and combines strategic and tactical asset allocation with global fund due diligence, offering a distinctive range of managed and non-discretionary portfolio options, including specialized programs for private bank clients and offshore investors.

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.

Pamela Hintermeier Abati is a financial advisor with VOYA Financial Advisors, Inc., holding a Series 63 designation and bringing 38 years of industry experience. She has been with VOYA Financial Advisors since 2014 and operates a tax preparation business that she has run since 1980. Additionally, she is an independent insurance agent specializing in fixed life and health insurance products. VOYA Financial Advisors, Inc. serves individual clients, including high-net-worth individuals, as well as pension plans, charitable organizations, and corporate clients. The firm offers a range of financial planning and portfolio management services through a large network of advisors, employing both in-house and external strategies supported by technology-enabled tools.

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.

Gregory Holgate is a financial advisor with HSBC Securities (USA) Inc. in Buffalo, NY, holding Series 63 and Series 66 designations and 21 years of industry experience. He has been with HSBC Securities since 2009. HSBC Securities (USA) Inc. offers managed account programs to a diverse client base including individuals, retirement accounts, charitable organizations, and corporations. The firm’s investment approach includes both client-directed and fully discretionary portfolios, utilizing model risk profiles and a combination of strategic and tactical asset allocation supported by affiliated and third-party providers.

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.

James Gomez is a financial advisor with HSBC Securities (USA) Inc. based in Buffalo, NY, holding Series 63 and Series 66 licenses and nine years of industry experience. He has been dual-hatted as a Bank Officer for HSBC Bank (USA) N.A., an affiliate of his current firm, engaging in the sale of bank-related products alongside his role as a registered representative. His entire career has been with HSBC entities since 2016. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations, featuring client-directed and discretionary options. The firm employs a structured investment process with multiple risk profiles and collaborates with affiliated and third-party providers for asset management, fund selection, and administrative services.

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.

Kristy Toye is a financial advisor with Key Investment Services LLC in North Tonawanda, NY, holding Series 63 and Series 66 licenses and having 23 years of industry experience. She has been with Key Investment Services and its affiliates since 2012, including a six-year tenure at Key Bank NA. Key Investment Services LLC is an SEC-registered investment adviser and wrap-fee program sponsor that provides portfolio management and model-based advisory products to individuals, trusts, estates, small businesses, and institutional plans through a network of financial professionals. The firm uses a multi-provider platform model with discretionary implementation and manager-designed strategist portfolios, offering a range of wrap programs and integrated services in partnership with KeyCorp affiliates.

Emily Dittemore is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and 11 years of industry experience. She has worked at Commonwealth since 2013 and previously at Webster University from 2014 to 2017. Outside of financial advising, she owns Dittemore Designs, a sole proprietorship specializing in handmade crafts. 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 over $212 billion in client assets. The firm provides a range of managed-account programs, access to third-party asset managers, and custody and clearing services, supporting advisors in implementing portfolios through both internal and external model portfolios.

Timothy Keller is a financial advisor with Equity Services, Inc. and holds the ChFC® designation along with Series 63 and Series 65 licenses. He has 43 years of industry experience and has previously worked at National Life Group, Mass Mutual Life Insurance Company, and Guardian Life, among others. He is also a managing director at two fixed insurance product firms, NPA Financial and The Vermont Agency. Equity Services, Inc., operating as ESI Financial Advisors, provides financial planning, consulting, and asset management services to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms, often utilizing third-party asset managers and a mix of long-term and shorter-term investment strategies.

Albert Erni Sr. is a financial advisor with Key Investment Services LLC, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. His prior roles include positions at Morgan Stanley and Merrill. Outside of advising, he serves as a board member for Child & Family Services and is involved with Wall Street Sound, a recording studio and copyright holder. Key Investment Services LLC is an SEC-registered investment adviser offering portfolio management and model-based advisory products to individuals, trusts, estates, small businesses, and institutional clients through a network of financial professionals. The firm employs a multi-provider model and integrates services from KeyCorp affiliates, delivering both discretionary and non-discretionary investment solutions.

Charles Triaga III is a financial advisor with Independent Financial Partners, holding Series 63 and Series 65 designations and 38 years of industry experience. His prior experience includes 14 years at key Investment Services LLC before joining Independent Financial Partners and IFP Securities, LLC in 2019. He is also the owner of Harbor Wealth Advisors, an investment-related business focused on financial planning, investing, and insurance services. 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 tens of thousands of clients and offers both decentralized investment strategies and centralized asset management options, with a notable specialization in retirement-plan advisory and pension consulting services.

Gabriel Jewula is a financial advisor at Equity Services, Inc. with one year of industry experience. He holds a Series 66 designation and has previously worked at National Life Group, Equitable Advisors, LLC, and Vision Financial Group. Outside of his advisory roles, he serves as Vice President of R. Jewula Holdings, LLC, a non-investment related business. Equity Services, Inc., doing business as ESI Financial Advisors, provides financial planning, consulting, and asset management services to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms and combines long-term strategies with options for shorter-term trading, utilizing third-party asset managers and model portfolios.

Ping Lin is a CFP® professional with 15 years of industry experience, currently serving at Citizens Securities, Inc. since 2024. Prior to this, Lin worked at Charles Schwab Bank, SSB and Charles Schwab from 2021 to 2024, and HSBC Securities (USA) Inc. from 2015 to 2021. Citizens Securities serves a broad retail client base including individual and high-net-worth investors and individual retirement plans. The firm offers both investment advisory programs and brokerage and insurance services, with advisory offerings that include a digital advisory program and a Managed Account program.

Daniel Cavaretta is a financial advisor with Kestra Advisory, holding a Series 66 credential and 25 years of industry experience. Before joining Kestra Advisory in 2021, he worked at Nationwide Investment Services Corp for 15 years and had brief tenures at Cornerstone Capital Wealth Management and Geneos Wealth Management. Outside of advisory activities, he holds a board position as Serjeant-at-arms for the Good Government Club of Western New York. Kestra Advisory Services provides investment advisory and retirement-plan consulting to institutional and individual clients, offering a range of services including fiduciary consulting, plan design, and employee education. The firm serves large institutional investors and supports discretionary and non-discretionary fiduciary services with due diligence on recommended investments.