Ryan Coppola is a CFA® charterholder currently with Courier Capital, LLC, where he has worked since 2022. He has prior experience at Citigroup and spent several years in educational roles before entering the financial industry. Courier Capital, LLC provides investment management, retirement plan services, and financial planning to individuals, institutions, and charitable organizations. The firm uses a discretionary asset-allocation approach and conducts ongoing manager due diligence through an Investment Committee.

Anthony Szefler is a financial advisor with Independent Solutions Wealth Management, LLC, holding Series 63 and Series 65 licenses and bringing five years of industry experience. He has previously worked at Blackridge Asset Management and is involved with The Financial Guys and Peak Brokerage Services. Szefler operates from Williamsville, NY. Independent Solutions Wealth Management is an SEC-registered advisory firm serving individuals, high-net-worth clients, corporate pension and profit-sharing plans, and trusts. The firm focuses on strategic asset allocation and manager selection across a broad range of risk profiles and offers portfolio management, tactical strategies, and private placement services.

James Miller is a CFP® professional at Capital Analysts with 36 years of industry experience. He has held roles at Lincoln Investment since 2017 and previously worked at Legend Advisory Corporation and Legend Equities Corporation from 2004. He also receives insurance commissions from prior business activities. Capital Analysts serves retail and institutional clients, including high-net-worth individuals, trusts, and foundations, offering portfolio management, customized model portfolios, and retirement-plan advice through a network of independent advisors and firm-managed programs. The firm employs both discretionary in-house management and non-discretionary third-party oversight, utilizing a proprietary mutual fund screening process to construct portfolios.

Stephen Grisko is a wealth advisor at Independent Solutions Wealth Management, LLC with 29 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Blackridge Asset Management, PEAK Brokerage Services, LPL Financial, and Five Star Bank. In addition to his advisory role, he is an insurance broker/agent for National Life. Independent Solutions Wealth Management provides investment advisory and planning services to individuals, high-net-worth clients, and retirement plans. The firm offers discretionary and non-discretionary portfolio management using mutual funds, ETFs, individual securities, and third-party managers across a five-tier risk spectrum, incorporating both fundamental and technical analysis in its investment process.

Jason Stronz is a financial advisor at Courier Capital, LLC with four years of industry experience. He has been with Courier Capital since 2012, working in various capacities over that time. Courier Capital, LLC provides investment management, retirement plan services, individual financial planning, and investment consulting to individuals, banking institutions, charitable endowments, and pension or profit-sharing plans. The firm manages client assets on a discretionary basis using a range of asset-allocation models and conducts thorough manager due diligence through its Investment Committee.

John Klingensmith is a financial advisor at Hilltop Securities Inc. with 14 years of industry experience. His prior roles include positions at UBS Financial Services and RBC Capital Markets. Outside of finance, he serves as a Reserve Deputy Sheriff with the Erie County Sheriff's Office during the NFL season. Hilltop Securities serves individual and institutional clients through a range of investment advisory and broker-dealer services. The firm offers open-architecture platforms, managed account programs, and municipal bond strategies, combining custody, banking, and market-making capabilities.

David Constantino is a financial advisor at Capital Analysts with 11 years of industry experience. He holds the Series 66 designation and has worked at Lincoln Investment since 2017, with prior roles at Legend Advisory Corporation and Legend Equities Corporation. Capital Analysts serves a diverse client base including individual and high-net-worth investors, trusts, foundations, businesses, and charitable organizations. The firm provides portfolio management, custom and model portfolios, third-party manager access, and retirement-plan advice through a nationwide network of independent advisors and in-house investment management.

Leonardo Mesa is a Certified Financial Planner (CFP®) with 29 years of industry experience. He is currently with F L Putnam Investment Management Co., where he has worked since 2024. His prior experience includes 15 years at Arbor Capital Management Corp and 14 years at Fidelity. F L Putnam serves a diverse client base including individual investors, institutions, and family offices. The firm offers team-based, customized investment management using internally managed and third-party strategies across multiple asset classes, with additional options for sustainable investing and tax-aware rebalancing.

Charles Sperrazza Jr. is a financial advisor with Blackridge Asset Management, LLC, holding 39 years of industry experience. He has been with Blackridge Asset Management since 2021 and is also associated with Peak Brokerage Services, LLC since 2015. Outside of his advisory work, he is involved in acting as a performer with Gravesend, LLC. Blackridge Asset Management provides financial planning, investment management, and related consulting through a network of investment adviser representatives, serving a diverse client base including individuals, high-net-worth clients, trusts, estates, and corporations. The firm employs a network model with access to model portfolios, third-party managers, and a turnkey asset management platform offering discretionary portfolio management.

Lauren Muscato is a financial advisor at Independent Solutions Wealth Management, LLC with four years of industry experience. She holds a Series 66 designation and has previously worked at PEAK Brokerage Services and the University of Buffalo. She is also involved in wealth management under the name The Financial Guys. Independent Solutions Wealth Management LLC is an SEC-registered advisory firm serving individuals, high-net-worth clients, corporate pension and profit-sharing plans, and trusts. The firm manages approximately $1.54 billion in client assets and employs a strategic asset allocation and manager selection approach, offering services including mutual fund, ETF, and stock portfolio management, as well as tactical portfolio strategies.

Murray Richardson is a financial advisor with The AmeriFlex Group, holding Series 63 and Series 66 licenses and possessing 16 years of industry experience. He is the owner and president of C.D. Financial, Inc., an S-corporation offering insurance products including life insurance, fixed annuities, and long-term care. Richardson also serves as secretary for Mathewson McCarthy Baseball, a nonprofit organization, and is a board member of the nonprofit Bornhava, where he participates in fundraising initiatives. The AmeriFlex Group is an SEC-registered investment adviser serving individuals, corporations, and retirement plans through a network of advisory affiliates and investment representatives. The firm offers customized portfolio management, financial planning, third-party manager selection, and retirement plan consulting with a variety of wrap and non-wrap solutions.

Lawrence Mcgowan is a financial advisor at F.L. Putnam Investment Management Co. with five years of industry experience. Prior to joining F.L. Putnam, he worked at Arbor Capital Management, Corp for 29 years. F.L. Putnam serves a diverse client base including individual investors, families, and various institutions. The firm offers customized, team-based investment management and financial planning services across multiple asset classes, employing both internally managed strategies and third-party managers.

Cullen Mcgloin is a financial advisor at Principal Advised Services with 19 years of industry experience. He holds the Series 63, Series 65, and Series 66 designations and has been with the Principal Financial Group and its affiliated entities since 2010. Principal Advised Services provides investment advice and related services mainly to retirement plan participants and retail IRA clients. The firm offers both non-discretionary recommendations and a discretionary wrap-fee investment management program, utilizing third-party methodologies and proprietary models supported by its affiliation with Principal Financial Group.

Magdalena Jaworska is a CFA® charterholder and financial advisor at F.L. Putnam Investment Management Company with 15 years of industry experience. She previously worked at Arbor Capital Management Corp for 18 years before joining F.L. Putnam in 2024. F.L. Putnam serves a diverse range of clients, including individuals, families, and institutional investors such as foundations and endowments. The firm employs a team-based investment approach customized to client objectives, utilizing both internal strategies and third-party managers across multiple asset classes.

Thomas Dugan is a financial advisor with Capital Analysts and holds a Series 63 designation. He has 25 years of industry experience, including roles at Lincoln Investment, Legend Advisory Corporation, and Legend Equities Corporation. Capital Analysts serves a diverse client base, including individual and high-net-worth investors, trusts, foundations, businesses, and charitable organizations. The firm provides portfolio management, advisor-managed custom and model portfolios, third-party manager access, and retirement-plan advice through a network of independent advisors and firm-managed programs.

Glenn Wiggle Jr. is a financial advisor with Independent Solutions Wealth Management, LLC, holding Series 63 and Series 65 licenses and 29 years of industry experience. He has worked at PEAK Brokerage Services, LLC and Blackridge Asset Management, LLC in addition to his long tenure at Independent Solutions Wealth Management. Outside of advisory work, he is involved in media and insurance businesses, including ownership and management roles in Financial Guys LLC and related entities. Independent Solutions Wealth Management provides investment advisory and planning services to individuals, high-net-worth clients, and retirement plans. The firm offers discretionary and non-discretionary portfolio management using a strategic asset allocation process, model portfolios, and a combination of fundamental and technical analysis.

Olivia Lyons is a financial advisor at Capital Analysts with four years of industry experience. She holds a Series 66 credential and has previously worked at Lincoln Investment, Equitable Advisors, and Ronald Hicks and Associates. Outside of her advisory role, she serves as an executive assistant in the financial services sector. Capital Analysts serves a diverse client base, including individual and high-net-worth investors, trusts, and institutions, providing portfolio management and retirement-plan advice through a nationwide network of advisors. The firm employs both discretionary and non-discretionary investment approaches, utilizing an in-house Investment Management & Research team and third-party managers.

Daniel Kautz is a financial advisor with The AmeriFlex Group, holding Series 63 and Series 65 designations and 27 years of industry experience. His prior work includes roles at American Portfolios Financial Services, SagePoint Financial, OSAIC, and Cambridge Investment Research. Outside of his advisory work, he is the founder of Retirement By Design, a marketing-related venture. The AmeriFlex Group provides investment advice and related services to individuals, corporations, employee benefit plans, and charitable organizations. The firm delivers tailored portfolio management and consulting services through a network of advisory affiliates and multiple program platforms, including Cambridge-sponsored offerings.

Thomas Hanlon is a CFP® professional with eight years of experience at Courier Capital, LLC, where he has worked since 2016. He is based in Buffalo, NY. Courier Capital, LLC provides investment management, retirement plan services, individual financial planning, and investment consulting to a diverse client base, including high-net-worth individuals, banking institutions, charitable endowments, and pension or profit-sharing plans. The firm manages client assets primarily on a discretionary basis using asset-allocation models and conducts ongoing due diligence through an Investment Committee.

Peter Grogan is a CFP® with 43 years of experience in the financial industry. He has been with United Capital Financial Advisors since 2012 and previously worked at Girard Securities, Inc. He serves as treasurer and trustee for the Julian R & Varue W Oishei Foundation, a nonprofit organization. United Capital Financial Advisors provides financial planning and investment management services nationally to individuals, corporations, retirement plans, charitable organizations, and institutional clients. The firm manages accounts primarily on a discretionary basis using asset-allocation models and offers portfolio customization, client-facing technology, and access to both internal and third-party investment strategies.