Russell Gaiser is a CFP® professional with five years of industry experience, currently with Independent Solutions Wealth Management, LLC. His background includes roles at Peak Brokerage Services and Blackridge Asset Management, as well as work in healthcare and active duty service with the U.S. Air Force. Outside of advising, he contributes personal finance columns for The Street, teaches Social Security optimization courses, and is a member of a book authorship LLC. Independent Solutions Wealth Management LLC is an SEC-registered firm serving individuals, high-net-worth clients, corporate pension and profit-sharing plans, and trusts. The firm emphasizes strategic asset allocation and manager selection through in-house due diligence and offers a range of portfolio management services including mutual funds, ETFs, and tactical strategies.

Joseph Schrutt is a financial advisor with Blackridge Asset Management, LLC, holding Series 63 and Series 65 credentials and five years of industry experience. He previously worked at PEAK Brokerage Services, LLC and One Life America. Schrutt operates a DBA named Xecutive Wealth Strategies alongside his advisory role. Blackridge Asset Management provides financial planning, investment management, and consulting services to individuals, high-net-worth clients, trusts, estates, corporations, retirement plans, and charitable organizations. The firm utilizes a network of investment adviser representatives and offers tailored portfolio management through affiliated and third-party platforms.

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.

Michael Kaminska is a financial advisor at LaSalle St. Investment Advisors, L.L.C. with two years of industry experience. He previously worked at Cadaret Grant & Co., Inc. from 2023 to 2025. Outside of his advisory role, Kaminska works as a physical therapist with Kaleida Health. LaSalle St. Investment Advisors provides personalized financial planning and investment supervisory services to individuals, trusts, pension plans, charitable organizations, and small businesses. The firm offers both non-discretionary and discretionary investment programs, emphasizing a predominance of non-discretionary asset management.

Anthony Szefler is a financial advisor at Independent Solutions Wealth Management, LLC with six years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Blackridge Asset Management and other financial firms. Szefler is also affiliated with The Financial Guys and Peak Brokerage Services in advisory capacities. Independent Solutions Wealth Management, LLC is an SEC-registered advisory firm that provides financial planning and portfolio management to individuals, high-net-worth clients, corporate pension and profit-sharing plans, and trusts. The firm manages approximately $1.54 billion in client assets and emphasizes strategic asset allocation and manager selection through model portfolios and tactical strategies.

Stephen Grisko is a wealth advisor at Independent Solutions Wealth Management, LLC with 30 years of industry experience. He holds Series 63 and Series 66 designations and has worked previously at Blackridge Asset Management, PEAK Brokerage Services, LPL Financial, and Five Star Bank. He is also licensed as an insurance broker/agent for life, accident, and health insurance. 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 an investment process focused on strategic asset allocation and manager selection, offering a range of portfolio management services including mutual funds, ETFs, stock portfolios, and tactical strategies.

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.

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 at Blackridge Asset Management, LLC with 40 years of industry experience. He has been with Blackridge since 2021 and concurrently associated with Peak Brokerage Services since 2015. Outside of advising, he is involved as an actor with Gravesend, LLC. Blackridge Asset Management provides financial planning, investment management, and consulting through a network of advisers serving individuals, high-net-worth clients, trusts, estates, corporations, retirement plans, and charitable organizations. The firm’s investment process incorporates fundamental, technical, and charting analysis across a range of portfolio management strategies, often utilizing affiliated turnkey asset management platforms and third-party providers.

Lauren Muscato is a Series 66-licensed financial advisor with five years of industry experience. She is currently with Independent Solutions Wealth Management, LLC and has prior experience at PEAK Brokerage Services, LLC and the University of Buffalo. Outside of advising, she is involved in wealth management through a DBA called The Financial Guys and engages in insurance sales including fixed annuities and various types of insurance products. 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 focuses on strategic asset allocation and manager selection, offering a range of portfolio management options including tactical strategies and third-party manager selection.

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.

Tracy Deleo is a Series 65-licensed advisor with OneSeven in Williamsville, NY. Deleo has experience at several firms, including 25 years at Linewood Investment Advisors and 23 years at Feeley Bonaventura & Hyzy, CPAs. Currently, Deleo is associated with OneSeven, Stone Creek Advisors, and Tronconi Segarra & Associates. OneSeven provides investment advisory services to individuals, high-net-worth clients, trusts, estates, businesses, and retirement plans, offering portfolio management, financial planning, and retirement-plan consulting. The firm employs a primarily long-term investment approach using diversified mutual funds, ETFs, individual securities, and access to alternatives and private placements when appropriate.

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.

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 44 years of industry experience, currently serving as a financial advisor at United Capital Financial Advisors since 2012. He previously worked at Girard Securities, Inc. from 2012 to 2017. Grogan is also a treasurer and trustee for the Julian R & Varue W Oishei Foundation in Williamsville, New York. United Capital Financial Advisors provides national financial planning and discretionary investment management to a diverse client base, including individual and high-net-worth households, retirement plans, and institutional accounts. The firm offers a range of services, including sub-advisory and consulting, supported by its technology platform FinLife Partners, which assists other independent advisors.