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 holds a Series 66 designation and has prior work experience at Cadaret Grant & Co., Inc. Outside of finance, Kaminska works as a physical therapist at Kaleida Health. LaSalle St. Investment Advisors provides personalized, fee-based financial planning and investment supervisory services to individuals, trusts, estates, pension and profit-sharing plans, charitable organizations, and small businesses. The firm offers both non-discretionary and discretionary investment programs and manages a notable mix of assets with a predominance of non-discretionary portfolios.

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 with 36 years of industry experience. He is currently with Capital Analysts and has previously worked at Lincoln Investment and Legend Advisory Corporation. Miller also receives insurance commissions from business predating his tenure at Legend. Capital Analysts serves a diverse client base including individual and high-net-worth investors, retirement plans, trusts, and corporate clients, offering portfolio management through discretionary and non-discretionary programs, model and custom portfolios, and ERISA retirement plan advisory services.

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 with Capital Analysts, holding a Series 66 designation and possessing 11 years of industry experience. He has worked at Lincoln Investment since 2017 and previously held roles 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, foundations, charitable organizations, and corporate clients. The firm offers discretionary and non-discretionary portfolio management with access to custom portfolios, third-party managers, and ERISA retirement plan advisory services, supported by an in-house investment management and research team.

Leonardo Mesa is a CFP® with 29 years of industry experience, currently serving as a financial advisor at F L Putnam Investment Management Co. since 2024. Prior to this, he spent 15 years at Arbor Capital Management Corp. F L Putnam Investment Management Co. serves a diverse client base including individuals, high-net-worth clients, foundations, endowments, schools, and religious organizations. The firm employs a strategic asset allocation framework across equities, fixed income, and alternative assets, offering customized portfolios with internally managed strategies and third-party managers.

Charles Sperrazza Jr. is a financial advisor with Blackridge Asset Management, LLC, holding 39 years of industry experience. He has been with Blackridge since 2021 and is also associated with Peak Brokerage Services, LLC since 2015. Outside of his advisory roles, he is involved as an actor with Gravesend, LLC. Blackridge Asset Management provides personalized financial planning, asset management, and consulting services to individuals, high-net-worth clients, pension and profit-sharing plans, trusts, and small businesses. The firm employs a client-driven investment process using model portfolios and third-party managers, delivering services through fee-based management and retainer arrangements.

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. He previously spent 29 years at Arbor Capital Management, Corp. F.L. Putnam serves a diverse range of individual and institutional clients, offering discretionary and non-discretionary investment management, financial planning, OCIO advisory, separately managed accounts, family office solutions, and consulting. The firm employs a strategic asset allocation framework with internally managed strategies and third-party managers across various asset classes and is the adviser to the AOG Institutional Fund.

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 with 15 years of industry experience. She joined F.L. Putnam Investment Management Company in 2024 after an 18-year tenure at Arbor Capital Management Corp. F.L. Putnam serves a diverse range of individual and institutional clients, offering investment management, financial planning, OCIO advisory, family office solutions, and consulting services. The firm combines internally managed and third-party strategies across multiple asset classes within a strategic asset allocation framework, and it is noted for its management of the AOG Institutional Fund and ownership of Darwin Trust Company.

Thomas Dugan is a financial advisor with Capital Analysts in Getzville, NY, holding a Series 63 designation and 25 years of industry experience. His prior roles include positions at Lincoln Investment, 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 charitable organizations. The firm offers both discretionary and non-discretionary portfolio management, utilizing an in-house Investment Management & Research team and proprietary screening tools to guide investment decisions.

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 with Capital Analysts in Getzville, NY, holding a Series 66 designation and four years of industry experience. Her prior roles include positions at Lincoln Investment, Equitable Advisors, and Ronald Hicks and Associates. Lyons also serves as an executive assistant in a financial services capacity, assisting advisors with calls, emails, and administrative duties. Capital Analysts serves a diverse client base, including individual investors, retirement plans, trusts, and corporate clients, providing discretionary and non-discretionary portfolio management through in-house model portfolios and third-party managers. The firm employs a proprietary mutual-fund screening process and maintains detailed custodial and revenue-sharing arrangements that influence investment options.

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.