Bradley Golding is a Series 66-licensed financial advisor with HSBC Securities (USA) Inc. in Buffalo, NY, where he has worked since 2009. He has 19 years of industry experience, including a year at Equitable Advisors prior to joining HSBC. HSBC Securities offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations through multiple program types ranging from client-directed to fully discretionary portfolios. The firm’s investment approach incorporates model risk profiles and combines strategic and tactical asset allocation with ongoing fund due diligence and monitoring.

Christopher Dann is a financial advisor with HSBC Securities (USA) Inc. and holds Series 63 and Series 66 licenses. He has 35 years of industry experience and has been with HSBC Bank USA, N.A. and HSBC Securities (USA) Inc. for 10 years. In addition to his advisory role, he serves as a bank officer for HSBC Bank (USA) N.A., where he is involved in the sale of bank-related products and services. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations through various client-directed and discretionary program types. The firm’s investment approach incorporates strategic and tactical asset allocation supported by HSBC Global Asset Management, with an emphasis on both non-discretionary and discretionary portfolios.

Thomas Abramson is a financial advisor with Key Investment Services LLC in Cheektowaga, NY, holding Series 63 and Series 66 credentials and 22 years of industry experience. His prior roles include positions at HNP Capital LLC, Five Star Bank, and LPL Financial, LLC. Key Investment Services LLC is an SEC-registered investment adviser providing portfolio management and model-based advisory products to individuals, trusts, estates, small businesses, and institutional plans through a broad network of financial professionals. The firm utilizes a multi-provider model combining discretionary implementation and strategist portfolios, with integration across KeyCorp affiliates for additional financial services.

Jeffrey Converse Jr. is a financial advisor with HSBC Securities (USA) Inc. in Buffalo, NY, holding Series 63 and Series 65 designations and 15 years of industry experience. He has been with HSBC Securities since 2014 and has also worked with HSBC Bank USA, N.A. since 2013. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations, offering both client-directed and fully discretionary investment options. The firm uses a combination of strategic and tactical asset allocation across five risk profiles and incorporates due diligence from affiliated and third-party providers to manage its diverse program offerings.

Michael Wamp is a financial advisor at Hightower Advisors with nine years of industry experience. He holds Series 63 and Series 65 designations and has been with Hightower Advisors since 2017. Additionally, he is the managing partner of LakeWater Capital LLC, an SEC-registered investment advisory firm, where he oversees firm management and operations. Hightower Advisors provides investment advisory and planning services to a diverse range of individual and institutional clients. Its advisory model focuses on manager selection and multi-manager solutions, utilizing both affiliated and third-party managers, with services including portfolio management, financial planning, and retirement plan consulting.

John Palermo is a financial advisor at Hightower Advisors with a Series 65 credential. He has been with Hightower Advisors since 2026 and has prior experience in education, having worked at Vanderbilt University, McQuaid Jesuit High School, and Bay Trail Middle School. Hightower Advisors provides investment advisory and planning services to a diverse group of individual and institutional clients. The firm’s approach includes manager selection and multi-manager solutions, utilizing both affiliated and third-party managers, and offering a range of portfolio management and planning services.

Kerrianne Creegan is a financial advisor with HSBC Securities (USA) Inc. in Buffalo, NY, holding Series 63 and Series 65 licenses and having 12 years of industry experience. She has been with HSBC in various capacities since 2016. Outside her advisory role, Creegan works as an independent executive consultant for Rodan + Fields, selling premium skincare products, and also pursues a hobby crafting and selling handmade items with her sister. HSBC Securities (USA) Inc. provides managed account programs for individuals, retirement accounts, charitable organizations, and corporations, offering both client-directed and discretionary portfolio options. The firm’s investment approach includes strategic and tactical asset allocation supported by HSBC Global Asset Management and thorough fund due diligence, serving clients through a range of program types including an Offshore Spectrum program for qualified non-resident aliens.

Douglas Castren is a financial advisor with Principal Financial Services, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked at Principal Securities Inc. since 2016 and previously operated Nicastro & Castren Financial Services. Outside of his advisory role, he is involved in insurance and fixed annuities. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individuals, retirement plans, trusts, and corporations. The firm focuses on financial planning, retirement consulting, and access to third-party money manager programs under various advisory and promoter arrangements.

Zachary Hale is a financial advisor with HSBC Securities (USA) Inc. in Buffalo, NY, holding Series 63 and Series 66 credentials and seven years of industry experience. Prior to joining HSBC Securities and HSBC Bank USA, N.A., he worked at Bank of America, Merrill, Brighton Securities, TF Browns, and Allstate Insurance Company. He also had a role outside the financial industry at Billy Jack's Shack. Hale is dual-hatted 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. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations through various client-directed and discretionary platforms. The firm’s investment process uses multiple risk profiles and combines strategic and tactical asset allocation with ongoing fund due diligence, serving a broad client base via a range of program options including offshore offerings.

Emily Certo is a CFP® professional affiliated with Guardian Life and Park Avenue Securities, with four years of industry experience. She currently serves as Chair of the Ambassador Council for the PUNT Pediatric Cancer Collaborative and is a board member for the Porter Cup golf tournament. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm combines advisor-led discretionary management with model-based strategies and offers financial planning, subscription-based consulting, and access to proprietary and third-party advisory solutions.

Justin Trybus is a financial advisor at Empower Advisory Group with five years of industry experience. He holds a Series 66 designation and has worked at firms including Pruco Securities, LLC and Prudential Insurance Company of America. Outside of his advisory work, he manages a rental property in Buffalo, NY. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, offering integrated services tied to Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns and annual rebalancing through point-in-time financial plans and optional managed account solutions.

Tyler Marriott Wells is a financial advisor at Citizens Securities, Inc. with seven years of industry experience. He holds the Series 66 designation and previously worked at Edward Jones and CVS Pharmacy. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and retirement plans, offering investment advisory programs alongside brokerage and insurance services. The firm provides a digital advisory program and a Managed Account program, operating as both a broker-dealer and insurance agency.

Richard Hulburd is a financial advisor with Citizens Securities, Inc. in Buffalo, NY, holding Series 65 and Series 63 licenses and five years of industry experience. His career has been primarily with Citizens Bank and Citizens Securities in various roles since 2014. Outside of his advisory work, Hulburd creates weather and storm chasing content on his YouTube channel, Buffaloweather1. Citizens Securities serves a broad retail client base including individual and high-net-worth investors as well as individual retirement plans, offering investment advisory programs alongside brokerage and insurance services. The firm utilizes proprietary algorithms for its ETF-based digital advisory portfolios and operates as a wholly owned subsidiary of Citizens Bank, N.A.

Peter Godios is a financial advisor with Guardian Life in Buffalo, NY, holding a Series 63 designation and 33 years of industry experience. He has been with Guardian Life and its related entities since 2011. Guardian Life, through its subsidiary Park Avenue Securities LLC, serves individuals, corporate and retirement plan sponsors, charitable organizations, and businesses, offering a blend of brokerage and investment advisory services. The firm combines advisor-led discretionary management with model-based strategies and provides access to various proprietary and third-party platforms, alongside integrated lending and alternative investment options.

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.

James Fashano is a Series 63 licensed financial advisor with Guardian Life, where he has worked for 15 years. He has 31 years of experience in the industry. Fashano is a majority owner of Alliance Advisory Group Inc., a non-investment related business. Guardian Life’s Park Avenue® Wealth Management provides brokerage and advisory services to individuals, businesses, and organizations, combining advisor-led discretionary management with model-based strategies and offering access to both proprietary and third-party investment solutions.

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.

Brian Geary is a CFP® and Series 65-licensed financial advisor with five years of industry experience. He has worked at Hightower Advisors since 2022 and previously spent ten years at Linwood Investment Advisors. Based in Buffalo, NY, he is currently affiliated with Hightower Advisors. Hightower provides investment advisory and planning services to a diverse range of individual and institutional clients, offering discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting. The firm emphasizes manager selection and multi-manager solutions, combining proprietary research and a variety of investment vehicles to serve its clients.

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.