Nicholas Ruggirello is a financial advisor with Eagle Strategies (NY Life) based in Williamsville, NY, holding Series 63 and Series 66 credentials and with 15 years of industry experience. He has worked with several firms including Stoll And Weller Insurance Services and Financial Group, Earmark Legacy Partners, NYLIFE Securities LLC, and New York Life Insurance Co. Ruggirello is also involved in insurance brokering under his own DBA, Earmark Legacy Partners. Eagle Strategies serves a diverse client base including individuals, institutions, and retirement plans, providing financial planning, investment management, and advisory services. The firm emphasizes tailored advice delivered through multiple program types with a significant portion of its assets managed on a non-discretionary basis.

Kevin Dorr is a financial advisor at Key Investment Services LLC with 14 years of industry experience. He holds Series 63 and Series 66 designations and has been with KeyBank and its affiliated firm since 2016. Outside his advisory work, he is a managing member of CASA DE MAMI LLC, an LLC established to manage a residential property jointly owned with his family. Key Investment Services LLC is an SEC-registered investment adviser that offers portfolio management and model-based advisory products to individuals, trusts, estates, small businesses, and institutional clients through a large network of financial professionals. The firm utilizes a multi-provider platform and integrates with KeyCorp affiliates to provide a range of investment and advisory services, primarily on a non-discretionary basis.

Jean Prawel is a financial advisor with Independent Financial Partners, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. His career includes roles at Mcdonald Investments Inc. and Key Investments Services LLC, both spanning over two decades. Independent Financial Partners offers investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent advisers. The firm supports a multi-advisor platform with over 260 advisors managing more than $12.5 billion in assets and is noted for its specialized retirement-plan advisory and pension consulting capabilities.

Richard Massaro Jr. is a financial advisor at Key Investment Services LLC with 24 years of industry experience and holds the Series 66 designation. He has worked with Key Investment Services since 2016 and previously with LPL Financial and HSBC Securities (USA) Inc. The firm provides portfolio management and model-based advisory products to individuals, trusts, estates, small businesses, and institutional plan clients through a network of financial professionals. Key Investment Services utilizes a multi-provider platform integrating discretionary and non-discretionary management, supported by affiliated entities including KeyBank and KeyBanc Capital Markets.

Benjamin Kopp is a financial advisor with Principal Financial Services, holding Series 63 and Series 65 licenses and nine years of industry experience. His prior roles include positions at Principal Securities Inc, Principal Life Insurance Company, Valic Financial Advisors, MML Investors Services, and Massachusetts Mutual Life Insurance Company. Outside of his advisory work, he is a co-owner of PKM Employee Services LLC, an entity established with partners to facilitate payment to non-registered private staff. 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. 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.

Mark Burr is a financial advisor with Independent Financial Partners, holding Series 63 and Series 65 designations and 19 years of industry experience. He previously worked at Commonwealth Financial Network and Axa Advisors. Burr is also involved with CenterBridge Planning Group, focusing on portfolio and investment management. Independent Financial Partners offers investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent advisors. The firm supports a multi-advisor platform and features a decentralized advisory model, with specialized retirement-plan advisory and pension consulting capabilities.

Robert Hamilton is a financial advisor at Key Investment Services LLC in North Tonawanda, NY, holding Series 63 and Series 66 licenses with 17 years of industry experience. His career includes multiple roles at Key Investment Services LLC and KeyBank spanning from 2016 to the present. Key Investment Services LLC is an SEC-registered investment adviser and wrap-fee program sponsor serving individuals, trusts, estates, small businesses, and institutional clients through a network of financial professionals. The firm offers multi-provider model-based advisory products with custodial and trade execution services, integrating resources from KeyCorp affiliates and third-party managers.

Barbara De Corse is a financial advisor with Key Investment Services LLC in Williamsville, NY, holding Series 63 and Series 66 licenses and 17 years of industry experience. She has worked with Key Investment Services since 2015 and has been associated with KeyBank since 1989. Key Investment Services LLC is an SEC-registered investment adviser 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 employs a multi-provider model and integrates services from KeyCorp affiliates, offering a range of wrap programs with custodial and trade execution services.

Christopher Midecke is a financial advisor with Principal Financial Services, holding a Series 63 designation and 14 years of industry experience. He has been with Principal Securities and Principal Life Insurance Company since 2016. Outside of his financial services role, he coaches a traveling soccer team in Clarence, NY. 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. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions through both advisory and promoter arrangements.

David Karwick is a financial advisor with Key Investment Services LLC in Lewiston, NY. He holds Series 63 and Series 65 credentials and has 43 years of industry experience. Prior to joining Key Investment Services in 2005, he worked at KeyBanc Capital Markets Inc. from 2001 to 2005. Outside of his advisory role, he serves on the finance committee at St. Peter’s Roman Catholic Church, where he reviews the church’s financial condition and budgets. 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 plan clients through a network of financial professionals. The firm utilizes a multi-provider model with discretionary and non-discretionary management options and integrates services from KeyCorp affiliates, including KeyBank and KeyBanc Capital Markets.

Robert Carlone is a financial advisor with TIAA-CREF in Amherst, NY, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with TIAA-CREF since 2011. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and discretionary managed account programs to individuals often connected through employer retirement plans, as well as trusts, estates, partnerships, corporate entities, and small retirement plans. The firm’s advisory model distinguishes between point-in-time planning and ongoing discretionary management, using both model portfolios and customized portfolios managed under client-approved investment policies.

Furqan Hassan is a financial advisor at Citizens Securities, Inc. in Amherst, NY, holding Series 63 and Series 65 licenses with 10 years of industry experience. He previously worked at Mass Mutual Investors Services and Massachusetts Mutual Life Insurance Company, among other firms, from 2016 to 2024. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, offering investment advisory programs, brokerage, and insurance services. The firm operates both a digital advisory program and managed accounts, combining discretionary and non-discretionary business within its bank-owned structure.

Samuel Terrazzino is a CFP®-credentialed financial advisor with 29 years of industry experience. He is currently with Equity Services, Inc. and National Life Group, having previously worked at MassMutual and MSI Financial Services. Outside of his advisory roles, Terrazzino owns and operates Childress Performance Center, a gym and fitness business. Equity Services, Inc., operating as ESI Financial Advisors, offers financial planning, consulting, and asset management services to individuals and institutional clients. The firm uses multiple advisory platforms and third-party asset managers, combining long-term investment strategies with options for shorter-term trading.

Patrick McMahon is a CFP®-credentialed financial advisor with 30 years of industry experience. He currently serves at Private Advisor Group, LLC and LPL Financial, where he has worked since 2013. Prior to that, he was with First Allied Advisory Services, Inc. and First Allied Securities, Inc. McMahon is also involved with Independent Planner LLC, which supports LPL-related business activities and non-variable insurance services. Private Advisor Group serves individuals, trusts, charitable organizations, businesses, and retirement plans, offering portfolio management, financial planning, retirement plan consulting, and managed account solutions through proprietary and third-party platforms. The firm operates a fiduciary-based advisory model, combining client goal assessment with access to various managers and investment strategies.

Kathleen Flynn is a financial advisor with Eagle Strategies (NY Life) based in Getzville, NY, holding Series 65 and Series 66 licenses and possessing 17 years of industry experience. Her work history includes roles at Clarity Group, Inc., Longevity Financial, Weller, Rusert And Stoll, LLC, NYLIFE Securities LLC, and New York Life Insurance Company. She serves as a board member for Town Square for Aging, a nonprofit supporting the aging population in Western New York, and is involved with the Center for Entrepreneurial Leadership Alumni Association at the University at Buffalo. Eagle Strategies serves a broad mix of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated investment adviser representatives. The firm emphasizes tailored recommendations and predominantly manages assets on a non-discretionary basis, offering multiple advisory programs including retirement plan consulting and co-advisory relationships with third-party managers.

William Tepas is a financial advisor with Lincoln Investment in Amherst, NY, holding a Series 63 designation and 44 years of industry experience. He has worked at Lincoln Investment since 2017, following eight years at Legend Advisory Corporation and 23 years at Legend Equities Corporation. Lincoln Investment Planning, LLC is an enterprise investment advisory and broker-dealer serving a diverse clientele, including individual and high-net-worth investors, trusts, charities, and retirement plans. The firm provides financial planning, portfolio management, and access to third-party managers, supported by an in-house Investment Management & Research team that develops strategic model portfolios and dynamic strategies.

Ryan Flore is a financial advisor with Principal Financial Services, holding Series 63 and Series 65 credentials and eight years of industry experience. His prior work includes roles at Equitable Advisors and Principal Securities Inc. Outside of his advisory work, he serves as a board member for Art Services Inc. and co-owns a members-only boat club in Western New York. Principal Securities provides brokerage and advisory services to a wide range of clients, including individuals, retirement plans, trusts, and charitable organizations. The firm offers direct advisory programs, financial planning, retirement consulting, and access to third-party money managers through various investment and promoter arrangements.

Gary Witten is a CFP® and ChFC® with 38 years of experience in financial services. He is currently with VOYA Financial Advisors, Inc., where he has worked since 2014, and also operates Integrity Financial Services, providing fixed insurance and financial services. His career includes longstanding roles at Integrity Financial Services and L & M Financial Services. VOYA Financial Advisors, Inc. is an enterprise-scale advisory and broker-dealer affiliated with Voya Financial that serves individuals, including high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate clients. The firm offers a range of financial planning, portfolio management, and retirement advisory services, utilizing both affiliated and unaffiliated investment products and combining in-house and external strategies with technology-enabled tools.

Michael Falitico is a Series 66-licensed financial advisor with Valic Financial Advisors, based in Williamsville, NY, and has three years of industry experience. He has been affiliated with Valic Financial Advisors and Agia since 2023, where he also serves as an agent for non-securities insurance products. Prior to this, his work history includes roles at Strategic Financial Solutions and Buffalo Bills among others. Valic Financial Advisors serves primarily U.S. individuals, including high net worth clients and employer-sponsored retirement participants. The firm offers portfolio management, financial planning, and discretionary unified managed accounts through a large network of advisors, leveraging technology and model solutions to serve a broad client base.

Kevin Miller is a financial advisor with VOYA Financial Advisors, Inc. and holds a Series 63 designation. He has 39 years of industry experience, including over 12 years at VOYA and four decades running Miller Financial Services. Miller serves as a board member for Heart, Love and Soul, Inc., a food pantry providing meals to the local community and homeless population. VOYA Financial Advisors, Inc. is an enterprise-scale advisory and broker-dealer affiliate of Voya Financial that offers financial planning, portfolio management, and retirement advisory services to individuals, pension plans, charitable organizations, and corporate clients. The firm combines in-house and external strategists with technology-enabled tools to deliver both discretionary and non-discretionary investment management through a large network of advisers.