Kim Hall is a financial advisor with Principal Financial Services in Amherst, NY, holding a Series 63 designation and 34 years of industry experience. He has worked at Principal Securities Inc. since 1992 and Principal Life Insurance Company since 1991. Kim also serves as a bank and trust officer to support and manage Principal retirement plan account relationships across the insurance, broker-dealer, and bank/trust divisions. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, estates, charitable organizations, corporations, and active-duty U.S. military personnel overseas. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

George Dougherty III is a financial advisor with VOYA Financial Advisors, Inc. He holds a Series 66 designation and has 25 years of industry experience. Dougherty has worked with VOYA and its affiliates since 2002 and is the owner and president of GeoCapital Wealth Management, LLC. He is also an independent insurance agent. VOYA Financial Advisors, Inc. is an enterprise advisory and broker-dealer affiliate that serves individuals, including high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate clients. The firm offers financial planning, portfolio management, and various advisory services using a combination of in-house and external strategists, model portfolios, and technology tools, with a notable emphasis on client-authorized, non-discretionary accounts.

Keith Smith is a financial advisor at HSBC Securities (USA) Inc. with 20 years of industry experience. He holds Series 63 and Series 66 designations and has been with HSBC Securities since 2013. Based in Buffalo, NY, his work focuses on managing client accounts within the firm’s various managed account programs. HSBC Securities (USA) Inc. offers managed account solutions to individuals, retirement accounts, charitable organizations, and corporations through several program types, including client-directed and fully discretionary options. The firm uses a structured investment process with multiple risk profiles and collaborates with affiliated and third-party providers for fund selection and portfolio management.

Melissa Bertrand is a financial advisor with Principal Financial Services in Amherst, NY, holding a Series 63 designation and nine years of industry experience. She has worked with Principal Life Insurance and its affiliated entities since 2015 and also spent several years with Wealth Management Services LLC. Outside of her advisory work, she serves on the board of the Richard Knights-Sue Kaderli Memorial Fund, where she participates in event planning, fundraising, community outreach, and media relations. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm offers direct advisory programs, financial planning, retirement consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Craig Clark is a CFP® professional with 23 years of experience in the financial services industry. He is currently with Commonwealth Financial Network and also owns Clark & Company Wealth Management, LLC. Prior to this, he spent 16 years at Lincoln Financial Securities Corporation. Outside of his advisory work, Clark serves as a team manager for a youth hockey team in Buffalo, NY. Commonwealth Financial Network is a registered investment adviser that supports a national network of advisors with a range of advisory programs and services, including wealth management and retirement plan consulting. The firm provides operational, trading, technology, and compliance support while offering advisors discretion to construct client portfolios from a broad array of securities and insurance products.

Paul Podsiadlo is a financial advisor with Principal Financial Services and holds the CFP® and Series 63 designations. He has 43 years of industry experience, including roles at Principal Life Insurance since 2017 and Principal Securities Inc. since 2016. Outside of his advisory work, Paul serves as chairman of the board at Fourteen Holy Helpers RC Church and is co-owner of PKM Employee Services LLC. Principal Securities provides brokerage and registered investment advisory services to a diverse client base including individual investors, retirement plans, trusts, estates, charitable organizations, and corporations. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Thomas Fino is a financial advisor with Key Investment Services LLC in Williamsville, NY, holding Series 63 and Series 65 licenses and 22 years of industry experience. He has been with Key Investment Services in various capacities since 2016, including roles overlapping with KeyBank. Key Investment Services LLC is an SEC-registered investment adviser and wrap-fee program sponsor that provides portfolio management and model-based advisory products to individuals, trusts, estates, small businesses, and institutional clients through a network of financial professionals. The firm uses a multi-provider model for portfolio implementation and offers multiple wrap programs with custodial and trade execution services through Pershing, along with ancillary insurance products via affiliated entities.

Nate Waldmiller is a financial advisor with HSBC Securities (USA) Inc. based in Buffalo, NY, holding a Series 66 designation and 13 years of industry experience. He has worked with HSBC Bank USA, N.A. since 2015 and with HSBC Securities Inc. since 2012. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations through a variety of client-directed and discretionary program types. The firm’s investment approach involves strategic and tactical asset allocation supported by global asset management teams and employs multiple risk profiles to tailor portfolios.

Andrew Cheatham is a financial advisor with Key Investment Services LLC, holding a Series 66 designation and six years of industry experience. His career includes roles at KeyBank, LPL Financial, M&T Securities, Edward Jones, Bank of America NA, and Merrill Lynch. Key Investment Services LLC is an SEC-registered investment adviser and wrap-fee program sponsor serving individuals, trusts, estates, small businesses, and institutional clients. The firm offers multiple wrap programs through a network of financial professionals, combining platform services from Envestnet with portfolio management by the Key Wealth Chief Investment Office and third-party managers.

Lawrence Orsini is a financial advisor with HSBC Securities (USA) Inc. in Buffalo, NY, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. His career includes multiple roles at HSBC entities since 2007, as well as positions at LPL Financial, Citigroup Global Markets, Banc of America Investment Services, and Quick & Reilly. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations through a variety of client-directed and discretionary offerings. The firm employs a multi-profile investment process supported by HSBC Global Asset Management and affiliated providers, emphasizing client-directed portfolios within its broader managed-account business.

Joseph Mitchell is a financial advisor with Key Investment Services LLC, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. He has worked at Key Investment Services since 2012 and previously spent six years with HSBC Securities (USA) Inc. Key Investment Services LLC is an SEC-registered investment adviser and wrap-fee program sponsor that offers portfolio management and model-based advisory products to individuals, trusts, estates, small businesses, and institutional clients through a network of financial professionals. The firm employs a multi-provider model for portfolio design and implementation, integrating services from its affiliates KeyBank and KeyBanc Capital Markets.

John Russo is a financial advisor with United Planners Financial Services of America, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. His career includes roles at LPL Financial, Invest Financial Corporation, and SCF Securities, among others. In addition to his advisory work, he is involved in tax preparation and accounting services through Financial Planning Advisors. United Planners Financial Services serves a diverse client base, including individuals, corporations, charitable organizations, retirement plans, and institutional clients. The firm operates an open-architecture platform with multiple custodians and third-party money managers, offering both fee-based and commission-based solutions through a network of 477 independent advisors.

Jacob Van Housen is a financial advisor at Key Investment Services LLC with one year of industry experience. He holds the Series 66 designation and has worked previously with Principal Financial Services and KeyBank. His background also includes roles at the University at Buffalo and various other positions prior to entering the financial services industry. Key Investment Services LLC is an SEC-registered investment adviser and wrap-fee program sponsor serving individuals, trusts, estates, small businesses, and institutional plan clients. The firm offers portfolio management and model-based advisory products through a multi-provider platform, integrating services from affiliated KeyCorp entities and third-party managers.

Emily Repka is a financial advisor at Citizens Securities, Inc. in Amherst, NY, holding a Series 66 designation and beginning her advisory career in 2026. She has prior experience at Citizens Bank, where she worked from 2015 to the present. Citizens Securities serves a diverse retail client base, including individual and high-net-worth investors and retirement plans, offering investment advisory programs alongside brokerage and insurance services. Its advisory options include a digital advisory program managed with SigFig and a Managed Account program, operating under the ownership of Citizens Bank, N.A.

Douglas Littlewood is a financial advisor with Hightower Advisors in Williamsville, NY, holding Series 63 and Series 65 registrations and possessing 51 years of industry experience. He has been with Hightower Advisors since 2017 and previously worked at Wells Fargo Advisors Financial Network. Hightower Advisors provides investment advisory and planning services to a wide range of individual and institutional clients, utilizing a multi-manager approach that includes affiliated and third-party managers, proprietary research, and diverse investment vehicles. The firm also manages complex mandates with an emphasis on operational support and international exposure.

Jeffery Karas is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and 22 years of industry experience. He has been with Commonwealth since 2013 and also operates New Harbor Financial Management, which he has been affiliated with since 2007. Karas is the sole owner of New Harbor Group, Inc., a private securities business. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their clients, providing a range of advisory programs and services including wealth management, retirement plan consulting, and access to third-party asset managers. The firm supports advisors with operations, trading, technology, investment management, compliance, and practice-management resources.

Jonathan Miller is a financial advisor with Independent Financial Partners, holding Series 63 and Series 66 credentials and 23 years of industry experience. His prior roles include positions at CenterBridge Planning Group, Commonwealth Financial Network, Geneos Wealth Management, and Cornerstone Capital Wealth Management. Independent Financial Partners provides investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent advisors. The firm supports a multi-advisor platform and offers both decentralized investment strategies and centralized asset management options, with a formal retirement-plan advisory and pension consulting practice.

Ricardo Espejo is a financial advisor with HSBC Securities (USA) Inc. in Buffalo, NY, holding Series 63 and Series 66 licenses and bringing 14 years of industry experience. He has worked with HSBC Securities since 2015 and has been affiliated with HSBC Bank USA, N.A. since 2013, where he also serves as a bank officer involved in the sale of bank-related products and services. HSBC Securities (USA) Inc. provides managed account programs to a diverse client base, including individuals, retirement accounts, charitable organizations, and corporations. The firm offers a variety of program types ranging from client-directed to fully discretionary portfolios and employs a multi-profile investment process supported by HSBC Global Asset Management and affiliated providers.

Diana Lougen is a financial advisor with Private Advisor Group, LLC, based in Williamsville, NY, holding Series 63 and Series 66 credentials and bringing 18 years of industry experience. Her prior experience includes eight years at M & T Securities and concurrent roles at LPL Financial since 2017. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans, offering portfolio management, financial planning, retirement plan consulting, and access to various advisory programs. The firm employs a fiduciary-based advisory model that utilizes both proprietary and third-party investment solutions and technology platforms to implement client strategies.

Kevin Roche is a financial advisor with Key Investment Services LLC, holding Series 63 and Series 66 credentials and 15 years of industry experience. He previously worked at Key Bank NA for seven years before joining Key Investment Services in 2015. Outside of his advisory work, he serves as a board member, coordinator, and head coach for a local youth basketball league in Amherst, NY. Key Investment Services LLC is an SEC-registered investment adviser that provides portfolio management and model-based advisory products to individuals, trusts, small businesses, and institutional clients through a network of financial professionals. The firm employs a multi-provider platform combining third-party and in-house portfolio management and offers various wrap-fee programs with custodial services through Pershing.