Michael Hoeflich is a financial advisor at Independent Solutions Wealth Management, LLC with 13 years of industry experience. He holds a Series 66 designation and has worked with Hoeflich Retirement Optimization Planning since 2021 and with Peak Brokerage Services, LLC and Independent Solutions Wealth Management since 2015. Outside of his advisory roles, he is involved as a Social Security Claiming Strategist and is a book author through his membership in Beyond Break Even. Independent Solutions Wealth Management provides investment advisory and planning services to individuals, high-net-worth clients, and retirement plans. The firm employs a strategic asset allocation approach across a five-tier risk spectrum, utilizing mutual funds, ETFs, third-party managers, and tactical strategies with regular portfolio reviews and due diligence.

Jeffrey Kney is a CFP® with 24 years of industry experience, currently affiliated with Capital Analysts. He has worked at Lincoln Investment since 2017 and previously held positions at Legend Advisory Corporation and Legend Equities Corporation. Capital Analysts serves a diverse client base including individual and high-net-worth investors, retirement plans, trusts, and foundations. The firm employs an in-house Investment Management & Research team to support portfolio management and offers a range of discretionary and non-discretionary advisory services.

David Moore is a CFP® with 41 years of industry experience, currently affiliated with Independent Solutions Wealth Management, LLC and Peak Brokerage Services, LLC. His career includes roles at Cambridge Investment Research Advisors, Inc., American Portfolios Financial Services, Inc., and Mass Mutual Life Insurance Company. Outside of his advisory work, he is involved with The Financial Guys, a radio show and DBA focused on wealth management. Independent Solutions Wealth Management provides investment advisory and planning services to individuals, high-net-worth clients, and retirement plans. The firm employs a strategic asset allocation process across a five-tier risk spectrum and offers discretionary and non-discretionary portfolio management using mutual funds, ETFs, individual securities, and third-party managers, complemented by regular due diligence and portfolio reviews.

John Scioli is a financial advisor with Capital Analysts in Getzville, NY, holding a Series 63 designation and 31 years of industry experience. His career includes roles at Lincoln Investment since 2017, Legend Advisory Corporation from 2011 to 2019, and Legend Equities Corporation between 1995 and 2017. He is also president of John Scioli Inc., a company used for accounting purposes. Capital Analysts serves a diverse client base including individual and high-net-worth investors, retirement plans, trusts, and corporate clients. The firm offers discretionary and non-discretionary portfolio management with a focus on in-house model portfolios and third-party manager access, operating under a fiduciary framework with various advisory arrangements.

Arthur Mcrae is a financial advisor with International Assets Investment Management, LLC, holding Series 63 and Series 65 credentials and bringing 22 years of industry experience. He previously worked at Wells Fargo Advisors for 10 years before joining his current firm in 2024. Mcrae serves as a board member and treasurer volunteer for Buffalo City Mission, a housing mission for the homeless. International Assets Investment Management provides investment advisory services to individuals, high-net-worth clients, retirement plans, corporations, and other business entities. The firm offers customized, long-term portfolio management through a national network of independent adviser representatives, utilizing mutual funds, ETFs, equities, fixed income, and third-party manager programs.

Ryan Hanlon is a financial advisor at Courier Capital, LLC with three years of industry experience. He holds a Series 65 designation and previously worked at M&T Bank and Essendant. Courier Capital, LLC provides investment advisory services to individuals, banking institutions, charitable endowments, and pension plans. The firm employs an asset-allocation approach with Investment Committee oversight and offers discretionary management, financial planning, retirement plan consulting, and access to alternative investments.

Jeffrey Ott is a Series 66-credentialed financial advisor with 16 years of industry experience. He has worked at Lincoln Investment since 2017 and previously held positions at Legend Advisory Corporation and Legend Equities Corporation. He is based in Getzville, NY. Capital Analysts serves a diverse client base including individual and high-net-worth investors, retirement plans, trusts, and corporate clients. The firm provides discretionary and non-discretionary portfolio management supported by an in-house Investment Management & Research team, offering a range of investment solutions such as advisor-managed models, custom portfolios, and third-party manager access.

Jonathan Domino is a financial advisor with OneSeven in Buffalo, NY, holding a Series 65 designation and one year of industry experience. His work history includes roles at MGO OneSeven dba Stone Creek Advisors, Catapult Consulting, and Circuit Clinical. OneSeven provides investment advisory services to individuals, high-net-worth clients, trusts, estates, businesses, and retirement plans, offering discretionary portfolio management, financial planning, and retirement-plan consulting. The firm’s investment approach is primarily long-term focused with flexibility for shorter-term trading, utilizing diversified portfolios alongside access to alternatives and private placements.

Brian Webb is an investment advisor at Independent Solutions Wealth Management, LLC with one year of industry experience. He holds Series 65 and Series 63 licenses and has previously worked with Peak Brokerage Services, LLC, MHA Zentgraf, Globe Life/National Income, and Rapistak Corporation. Outside of his advisory role, he is the owner of Webb Marketing Agency, a non-investment related business. Independent Solutions Wealth Management LLC is an SEC-registered advisory firm that provides financial planning and portfolio management services 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 a range of portfolio models and tactical strategies.

Lauren Gidley is a financial advisor with Prosperity Wealth Management, Inc. in San Ramon, CA, holding Series 63, 65, and 66 designations and bringing 36 years of industry experience. She has worked at Prosperity Wealth Management since 2017 and previously at First Allied Advisory Services and First Allied Securities. Outside of her advisory work, she is an author of a financial planning paper titled "Take Control of Your Financial Future" and is involved in a family business selling Amway products. Prosperity Wealth Management serves individual and high-net-worth clients, as well as trusts, estates, and pension/profit-sharing plans, offering asset management, financial planning, and consulting services. The firm manages approximately $442 million across 1,600 clients and emphasizes continuous, tailored portfolio supervision with a diversified investment approach and ongoing oversight of recommended third-party managers.

Michael Lomas is a financial advisor with Independent Solutions Wealth Management, LLC in Williamsville, NY, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. His career includes roles at Peak Brokerage Services LLC, Blackridge Asset Management LLC, and Neiman Funds Management, where he serves as a director and active owner of the Neiman Large Cap Value Fund. Outside of advisory work, he is involved in media and insurance through Financial Guys, LLC, and owns a drag race car team, Lomas Motorsports. Independent Solutions Wealth Management provides advisory and planning services to individuals, high-net-worth clients, and retirement plans, offering discretionary and non-discretionary portfolio management across mutual funds, ETFs, and individual securities. The firm emphasizes strategic asset allocation, manager due diligence, and a mix of fundamental and technical analysis, incorporating tactical strategies and proprietary mutual fund offerings.

Matthew Mullin is a CFP® with 11 years of industry experience. He is currently with Capital Analysts and has previously worked at Lincoln Investment and Legend Advisory Corporation. In addition to advising, he is involved in Medicare and Medicaid insurance sales and prepares tax returns for a small group of clients during tax season. Capital Analysts serves a diverse client base, including individuals, high-net-worth investors, retirement plans, trusts, and charitable organizations. The firm offers discretionary and non-discretionary portfolio management and uses an in-house investment team to manage model portfolios and third-party manager selections.

Jeffrey Kney is a financial advisor with Capital Analysts in Getzville, NY, holding a Series 63 designation and 39 years of industry experience. He has worked at Lincoln Investment since 2017 and previously spent eight years with Legend Advisory Corporation and thirty years with Legend Equities Corporation. Outside of his advisory role, he serves as a volunteer board member for the Orchard Park CSD Academy of Finance, advising students interested in business. Capital Analysts serves a diverse client base, including individuals, high-net-worth investors, retirement plans, trusts, and charitable organizations. The firm offers discretionary and non-discretionary portfolio management through various programs and utilizes an in-house investment team that manages proprietary model portfolios and employs a mutual-fund screening process.

Donald Tiburzi is a financial advisor with Capital Analysts in Getzville, NY, holding Series 63 and Series 65 licenses and having 42 years of industry experience. His prior work includes roles at Lincoln Investment since 2017, Legend Advisory Corporation from 2009 to 2019, and Legend Equities Corporation between 1994 and 2017. Additionally, he provides personal income tax preparation services. Capital Analysts serves a diverse client base, including individuals, high-net-worth investors, retirement plans, trusts, foundations, and corporate clients. The firm offers discretionary and non-discretionary portfolio management through a variety of programs and utilizes an in-house Investment Management & Research team to guide investment decisions.

Louis Rivera is a financial advisor at Ethos Financial Group, LLC with 18 years of industry experience. He holds a Series 63 designation and has previously worked at Cadaret Grant, Inc., J. Alden Associates, Inc., and Alden Investment Advisors LLC. Outside of his advisory role, he is an independent insurance salesman specializing in health, life, disability, and annuity products. Ethos Financial Group serves individuals, trusts, estates, state and municipal entities, and charitable organizations, offering investment management, financial and estate planning, insurance recommendations, and consulting services. The firm uses model portfolios focused on diversified, risk-conscious allocations and integrates third-party research and tax-overlay management in its process.

Jacob Denz is a CFP® with eight years of industry experience and is currently affiliated with Capital Analysts. He has worked at Lincoln Investment since 2017 and has held prior roles at Riley St. Station and Sealing Devices LLC. He serves as Secretary for the Orchard Park Academy of Finance Advisory Board. Capital Analysts serves a diverse client base including individual and high-net-worth investors, retirement plans, trusts, foundations, and corporate clients. The firm offers discretionary and non-discretionary portfolio management through various programs and employs an in-house Investment Management & Research team to drive investment decisions.

Rebecca Westervelt is a financial advisor with Courier Capital, LLC, holding five years of industry experience. She previously worked at HNP Capital, LLC for six years and at Generation Capital, LLC for fourteen years. Courier Capital, LLC provides investment advisory services to individuals, banking institutions, charitable endowments, and pension plans, employing an asset-allocation approach tailored to client profiles and overseen by an Investment Committee. The firm manages client assets on a discretionary basis, conducting structured due diligence on third-party managers and offering access to a range of investment vehicles including mutual funds, ETFs, individual securities, and alternative investments.

Duane Pusch is a financial advisor with Capital Analysts, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. His prior roles include positions at Lincoln Investment, Legend Advisory Corporation, and Legend Equities Corporation. In addition to his advisory work, he prepares personal income tax returns during the tax season. Capital Analysts serves a diverse client base including individuals, high-net-worth investors, trusts, and corporate clients, offering discretionary and non-discretionary portfolio management supported by an in-house investment management and research team.

Lawrence Whistler is a CFA® charterholder with four years of industry experience. He is currently with Courier Capital, LLC and previously worked at Nottingham Advisors for 18 years. Courier Capital, LLC provides investment management, retirement plan services, individual financial planning, and investment consulting to a range of clients including high-net-worth individuals, banking institutions, charitable endowments, and pension or profit-sharing plans. The firm manages client assets on a discretionary basis using asset-allocation models, separately managed accounts, and model portfolios that may include mutual funds, ETFs, individual equities, fixed income, and alternative asset classes.

Stephen Fassel is a financial advisor with Courier Capital, LLC, based in Buffalo, NY, holding Series 63 and Series 66 credentials and 13 years of industry experience. He has worked with several firms, including HNP Capital LLC, Five Star Bank, Northwest Bank, and LPL Financial. Fassel is also involved with specific insurance and investment-related activities through independent and affiliated entities. Courier Capital, LLC provides investment advisory services to individuals, banking institutions, charitable endowments, and pension plans. The firm employs an asset-allocation approach with Investment Committee oversight and offers discretionary management, financial planning, and access to alternative investments while maintaining a structured due-diligence process for third-party managers.