Paul Di Nicolantonio is a CFP® with three years of industry experience, currently serving as a financial advisor at Hightower Advisors. His prior roles include positions at Dopkins Wealth Management, Snowden Lane Partners, and M&T Bank. He has also been involved with organizations such as Canisius College and the Lockport Family YMCA. Hightower Advisors provides investment advisory and planning services to a diverse client base, including individuals, institutions, pension plans, and charitable organizations. The firm uses a manager selection and multi-manager approach, offering access to affiliated and third-party managers, discretionary and non-discretionary portfolio management, and a range of investment vehicles and strategies.

Emily Willis is a financial advisor with Guardian Life and Park Avenue Securities, holding a Series 66 designation and five years of industry experience. Prior to her advisory career, she worked for seven years at Giuseppe's Pizzeria and Restaurant. Park Avenue Securities LLC is a dually registered broker-dealer and SEC-registered investment adviser serving individuals, pension plans, charitable organizations, and corporate clients. The firm offers brokerage services, financial planning, retirement plan consulting, and a range of investment advisory programs, including discretionary and non-discretionary models from in-house and third-party managers.

Michael Muffoletto is a CFP® professional with seven years of industry experience, currently affiliated with Commonwealth Financial Network. His prior roles include positions at Lincoln Financial Securities and MML Investors Services. He is also involved in referring payroll services through ADP, Inc. 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 roughly $213 billion in client assets. The firm offers a comprehensive adviser-support platform with discretionary and nondiscretionary managed-account programs, access to third-party asset managers, and a variety of investment options.

James Cosgriff IV is a CFP® professional at Independent Financial Partners with seven years of industry experience. He has worked previously at Securities America Advisors and Dopkins Wealth Management, LLC. Outside of his advisory role, he owns a wealth management firm and a tax preparation service that serves his own clients. Independent Financial Partners offers investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent representatives. The firm provides a decentralized advisory model with specialized retirement-plan consulting and coordinated trustee services.

Charles Garlock is a Series 66-registered financial advisor at HSBC Securities (USA) Inc. in Buffalo, NY, with 11 years of industry experience. He has been with HSBC Securities since 2016, previously working at Key Investment Services LLC and LPL Financial. HSBC Securities (USA) Inc. provides managed account programs for individuals, retirement accounts, charitable organizations, and corporations, offering both client-directed and fully discretionary portfolio options. The firm utilizes model risk profiles and a combination of strategic and tactical asset allocation, supported by affiliated global asset management and fund due diligence providers.

Robert Powalski III is a CFP® professional with 14 years of industry experience, currently affiliated with Primerica Advisors since 2011. He also maintains a role with Guardian Life Insurance Co. of America. Outside of his advisory work, Powalski serves as a trustee for the PGA Pathfinder, a charitable organization in western New York. Primerica Advisors operates as part of a larger enterprise serving a diverse retail client base, offering brokerage and advisory services alongside financial and business consulting. The firm employs a range of investment strategies through proprietary and third-party platforms and supports various account-level services, including lending and donor-advised funds.

William Fahs is a financial advisor with HSBC Securities (USA) Inc. in Buffalo, NY, holding Series 63 and Series 66 credentials and nine years of industry experience. He joined HSBC Securities and its affiliate HSBC Bank USA, N.A. in 2021, following roles at Key Investment Services, LLC, KEY BANK, and Snorac LLC. Fahs also serves as a bank officer for HSBC Bank USA, engaging in the sale of bank-related products alongside his registered representative duties. HSBC Securities (USA) Inc. offers managed account programs serving individuals, retirement accounts, charitable organizations, and corporations through various client-directed and discretionary options. The firm employs a multi-profile investment process supported by HSBC Global Asset Management and affiliated providers, with a significant portion of managed assets in client-directed, non-discretionary portfolios.

Myles Firey Jr. is a financial advisor with LPL Financial, holding a Series 63 designation and over 33 years of industry experience. He previously worked at Cadaret, Grant & Co., Inc. for 18 years and has been involved with Myles R. Firey & Co., Inc. since 1989, where he serves as Vice President. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives, serving individuals, institutions, and retirement plan participants with a range of financial planning and asset management solutions.

Daniel Meyer is a financial advisor with LPL Financial in Buffalo, NY. He holds a Series 66 designation and has 12 years of industry experience. Prior to joining LPL Financial in 2021, he worked at M&T Securities for eight years. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to various asset management platforms.

Thomas Waters is a financial advisor with Merrill in Buffalo, NY, holding Series 65 and Series 66 licenses and having 19 years of industry experience. His prior roles include positions at Karpus Investment Management, Wilmington Trust Investment Advisors, and M&T Securities. Waters serves as Foundation Board Chair for Community Services for Every1, a nonprofit organization based in Buffalo. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Martin Zaklikowski is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing over 35 years of experience in financial and wealth management. Since joining Merrill Lynch in 1995, he has specialized in advanced investment strategies, retirement planning, and estate planning. His approach emphasizes a comprehensive understanding of client needs to develop tailored wealth management strategies. He holds a bachelor's degree in Finance and Political Science from Canisius College and is a CERTIFIED FINANCIAL PLANNER® certificant, a designation granted by the Certified Financial Planner Board of Standards, Inc. Martin is a member of the Financial Planning Association (FPA) and the Certified Financial Planner Board of Standards, Inc., and holds the Personal Investment Advisor (PIA) designation. He has also served on the boards of Hopevale, Inc., St. Francis High School, and the Frontier Community Education Advisory Committee. Outside of his professional work, Martin enjoys gardening, music, and spending time with his wife Rebecca and their two children, Adam and Lauren.

Laura Cooley is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and with 21 years of industry experience. She has also provided financial planning and consulting services through Lawley Retirement Advisors, an independent investment advisor firm, since 2017. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Bruce Supernault is a financial advisor at LPL Financial with 41 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. Prior to joining LPL Financial in 2025, he worked at Cadaret, Grant & Co., Inc., Prudential Insurance Company of America, Pruco Securities, LLC, MML Investors Services Inc, and Mass Mutual Life. His outside activities include serving as a notary public in Buffalo, NY. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of investment adviser representatives. The firm serves individuals, retirement plan participants, banks, trust companies, and institutions, offering financial planning, model portfolios, third-party asset management, and various institutional platforms.

Anthony Cirocco is a CFP®-certified financial advisor with 20 years of industry experience, currently affiliated with Raymond James Financial. He has held roles at Noble Wealth Partners and Key Investment Services. Outside of his advisory work, he is involved in managing several rental real estate properties. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm employs tailored, non-discretionary planning and analytical tools to support client goals and offers specialized programs in municipal finance and SIMPLE IRA employer advisory services.

Michael Capozzi is a Series 66 licensed financial advisor with 17 years of industry experience. He is currently with LPL Financial and has previously worked at M&T Bank, Charles Schwab, TD Ameritrade, Scottrade, and Equitable Advisors. He manages a DBA business, Wilmington Advisors at M&T, related to his LPL activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a wide range of financial planning and portfolio management services through a large network of advisors and uses various advisory platforms supported by operational and research tools.

Kristine Buchband is a financial advisor at Osaic with 36 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Morgan Stanley Smith Barney, Morgan Stanley Private Bank, and FSC Securities Corp. Outside of her advisory role, she operates a sole proprietorship offering potential life insurance and fixed annuity sales to existing clients. Osaic Wealth, Inc. serves a diverse client base including individual, high-net-worth, pension, profit-sharing, corporate, and charitable clients through a large network of affiliated advisers. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to construct and manage portfolios across various asset classes.

Andrew Kelley is a financial advisor with Merrill in Hamburg, NY, holding Series 63 and Series 66 credentials and 19 years of industry experience. He has worked at Bank of America and Merrill since 2015. Outside of finance, he is involved part-time with Spurline Construction, an electrical work business owned by his brother-in-law. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers both model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutional accounts.

William Mittlefehldt is a financial advisor with UBS Financial Services in Buffalo, NY, holding Series 63 and Series 65 licenses and having 10 years of industry experience. He has been with UBS Financial Services since 2015. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research to tailor plans based on clients’ goals and risk tolerances.

Timothy Talbot is a financial advisor at Cambridge Investment Research Advisors with 12 years of industry experience. He holds a Series 63 designation and has worked at firms including Prudential Insurance Company of America and Securities America. Talbot is also involved in an entrepreneurial venture, owning Attain Wealth Planning, a business focused on investment and insurance services. Cambridge Investment Research Advisors provides financial planning, investment management, and retirement plan advisory services to a diverse client base, including individuals, pension plans, and charitable organizations. The firm offers a variety of investment implementation options through a network of independent Financial Professionals, utilizing proprietary models and third-party strategies.

Dylan Chmiel is a financial advisor at LPL Financial with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at M&T Securities and Foresters Advisory Services. Outside of advising, he is employed part-time at CSL Plasma. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, with an emphasis on both discretionary and non-discretionary strategies supported by research and technology tools.