Joshua Denz is a CFP® and holds a Series 66 license, with three years of industry experience. He has been with Lincoln Investment since 2023 and has prior experience with Canisius College and the University at Buffalo. Outside of his advisory role, he also works as a sales associate assisting senior representatives in financial services. Lincoln Investment Planning, LLC is a large enterprise firm serving individual and high-net-worth investors, trusts, charities, and retirement plans. The firm offers comprehensive financial planning and portfolio management services supported by an in-house Investment Management & Research team and various third-party managers.

Matthew Collard is a financial advisor with Private Advisor Group, LLC, holding Series 63 and Series 65 licenses and five years of industry experience. He previously worked for Pratt Collard Buck Advisory Group for ten years. Mr. Collard serves as the Honorary Consul of the Federal Republic of Germany for the eight western New York State counties. Private Advisor Group provides portfolio management, financial planning, and retirement plan consulting to individuals, trusts, estates, charitable organizations, businesses, and retirement plans. The firm’s fiduciary-based advisory model utilizes both proprietary platforms and third-party managers to deliver a range of investment strategies.

Kristin Meyer is a financial advisor with United Planners Financial Services of America and holds Series 63 and Series 65 licenses. She has 18 years of experience in the industry, including prior roles at ATT Financial Group/American Portfolios Financial Services and Nucci Financial. Outside of her advisory work, Meyer is a group fitness instructor and serves on community and civic boards in Niagara County. United Planners Financial Services serves a diverse range of clients, including individuals, corporations, charitable organizations, and institutional investors. The firm operates an open-architecture platform using multiple custodians and third-party money managers, with a focus on largely non-discretionary asset management.

Janet Ross is a CFP® with 33 years of industry experience, currently serving as a financial advisor at GWN Securities Inc. since 2005. She maintains a life insurance license in New York, allowing her to offer related products when appropriate. Outside of her advisory role, she is also a Mary Kay consultant and a licensed notary. GWN Securities is an SEC-registered investment adviser and broker-dealer that provides discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios for individual and business clients. The firm operates a large network of advisors and offers a range of managed-account programs, including traditional asset-allocation and legacy market-timing strategies.

Michael Dilullo is a CFP® with 44 years of industry experience, currently serving as a financial advisor at Lincoln Investment since 2017. Prior to this, he worked at Legend Advisory Corporation and Legend Equities Corporation. He serves as Treasurer and peer facilitator on the board of the Laurel Love Center for Grief and Hope, a nonprofit organization. Lincoln Investment Planning, LLC is an enterprise advisory and broker-dealer serving a broad client base including individuals, high-net-worth investors, trusts, charities, and retirement plans. The firm offers financial planning, advisor-led consulting, and portfolio management supported by an in-house Investment Management & Research team and third-party managers.

Richard Brewer Jr. is a financial advisor with TIAA-CREF, holding a Series 66 designation and 18 years of industry experience. He has been with TIAA-CREF since 2012. Outside of his advisory role, Brewer serves as a board member and president of EMW Youth Lacrosse and coaches boys lacrosse for the Iroquois Central School District. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning, discretionary managed accounts, and broker-dealer services primarily to individuals with ties to TIAA-administered retirement plans, as well as trusts, estates, and corporate entities. The firm’s advisory model separates one-time planning services from ongoing management and includes managed account programs with both model and customized portfolios.

Joseph Ervolina is a financial advisor with Kestra Advisory and holds a Series 66 designation. He has 25 years of industry experience, including previous roles at Geneos Wealth Management Inc. Ervolina is also president of Cornerstone Capital Wealth Management Inc., where he manages the practice and oversees financial planning. Kestra Advisory Services provides investment advisory and retirement-plan consulting to institutional and individual clients, offering services such as fiduciary consulting, plan design, employee education, and advisor-managed accounts. The firm serves large institutional investors and sponsors, with reported assets under management near $79.8 billion.

Thomas Griffin is a financial advisor at HSBC Securities (USA) Inc. with 17 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at HSBC Securities and related entities since 2010, with prior experience at Citigroup and Key Investment Services. Outside of his advisory role, Griffin volunteers as an assistant coach for a travel soccer team in Buffalo, NY. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations through various client-directed and discretionary platforms. The firm uses five model risk profiles and incorporates strategic and tactical asset allocation with ongoing fund due diligence and monitoring, offering both onshore and offshore investment options.

Jacob Kantor is a financial advisor at Key Investment Services LLC with five years of industry experience. He holds the Series 66 and Series 63 licenses. His prior work experience includes roles at KeyBank, MML Investors Services LLC, MassMutual Life Insurance Company, and New York Life Insurance Co. 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. The firm utilizes a multi-provider model and integrates with KeyCorp affiliates to offer a range of investment and advisory services.

Christian Thompson is a financial advisor with HSBC Securities (USA) Inc., holding a Series 66 designation and one year of industry experience. He has prior experience with Mass Mutual Investors Services and MassMutual Life Insurance Company. Outside of his advisory role, Thompson is also a social media influencer on TikTok, creating content unrelated to his professional work. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations through various client-directed and discretionary options. The firm’s investment approach combines strategic and tactical asset allocation with ongoing fund due diligence, serving a diverse client base with a range of risk profiles.

Markus Williams is a financial advisor with Lincoln Investment in Amherst, NY, holding Series 63 and Series 65 credentials and 11 years of industry experience. His prior work includes roles at Key Investment Services, KeyBank, Prudential Insurance Company of America, and Allstate Insurance Company. Outside of financial services, he works as an operations coordinator in logistics. Lincoln Investment Planning, LLC is a large enterprise firm serving a diverse client base, including individual investors, high-net-worth clients, trusts, charities, and retirement plans. The firm combines advisor-led consulting with model portfolio management and employs an in-house Investment Management & Research team alongside third-party managers to provide tailored investment solutions.

Mary Juliet Manavalan is a registered representative with HSBC Securities (USA) Inc. and has 12 years of industry experience. She also serves as a bank officer for HSBC Bank USA, N.A., an affiliate of HSBC Securities, where she engages in the sale of bank-related products and services. Manavalan has been with HSBC Securities since 2014 and HSBC Bank since 2015. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations. The firm provides various program types, including client-directed and fully discretionary options, with investment advice supported by HSBC Global Asset Management and ongoing fund monitoring by affiliated specialists.

Darren Butler is a financial advisor at Citizens Securities, Inc. with Series 65 and Series 63 licenses and four years of industry experience. Prior to joining Citizens Securities in 2026, he worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities LLC from 2022 to 2026, as well as at Bank of America from 2018 to 2022. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans, offering both advisory programs and brokerage and insurance services. The firm’s investment approach includes a digital advisory program based on proprietary algorithms and managed account services, alongside commission-based brokerage activities.

Tyler Zeplowitz is a financial advisor at Eagle Strategies (NY Life) with two years of industry experience. He holds Series 65 and Series 63 licenses and has a background that includes roles at NYLIFE Securities LLC and New York Life, as well as outside experience with Dicks Sporting Goods and Bubble Boy Car Wash. Eagle Strategies serves a broad range of individual and institutional clients, offering financial planning, investment management, and retirement-plan advisory services through a large network of affiliated investment adviser representatives. The firm emphasizes tailoring recommendations to client objectives and delivers advice through multiple program types, with the majority of assets managed on a non-discretionary basis.

Marc Panaro is a CFP® professional with 27 years of experience in the financial services industry. He is currently with Capital Analysts and has held previous roles at Lincoln Investment, Legend Advisory Corporation, and Legend Equities Corporation. Capital Analysts serves a diverse client base including individual and high-net-worth investors, trusts, foundations, businesses, and charitable organizations. The firm offers portfolio management, custom and model portfolios, access to third-party managers, and retirement-plan advice through a nationwide network of advisors and dedicated investment management teams.

Nicholas Pontrello is a financial advisor at Lincoln Investment with a Series 66 designation and one year of industry experience. Prior to his advisory role, he held positions at Perry's Ice Cream Co., Inc., Kenny Enterprises, and several other companies. Nicholas is based in Amherst, NY. Lincoln Investment Planning, LLC is a large enterprise advisory and broker-dealer serving a diverse client base including individuals, high-net-worth investors, trusts, charities, and retirement plans. The firm offers 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 adaptive investment strategies.

Thomas Youngman is a financial advisor with Guardian Life in Buffalo, NY, holding a Series 63 designation and 19 years of industry experience. He has been with Guardian Life since 2011. Outside of his advisory role, he serves as Vice Chair of Membership, PR, and Branding on the board of the Wanakah Country Club. Guardian Life’s Park Avenue® Wealth Management provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm combines advisor-led discretionary management with model-based strategies and offers a range of financial planning, consulting, and digital advisory solutions tailored to client needs.

Jacob Kuebel is a financial advisor at Empower Advisory Group with two years of industry experience. He holds the Series 66 designation and previously worked at Equitable Advisors, LLC. Outside of finance, his background includes roles in community organizations and educational institutions. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, along with Empower Premier IRA and retail brokerage account holders. The firm’s integrated service model leverages proprietary and third-party methodologies focused on long-term portfolio returns and is closely tied to Empower’s recordkeeping and administrative platforms.

Michael Constantino is a Series 63-licensed financial advisor with Lincoln Investment in Amherst, NY, bringing 19 years of industry experience. He has worked at Lincoln Investment since 2017 and previously held roles at Legend Advisory Corporation and Legend Equities Corporation. In addition to his advisory duties, he is involved in marketing, research, and appointment setting as a sales assistant. Lincoln Investment Planning, LLC serves a diverse client base including individuals, high-net-worth investors, trusts, charities, and corporate and ERISA retirement plans, with a particular history of working with educators and 403(b) and 457(b) plan participants. The firm offers a range of financial planning and portfolio management services, supported by an in-house Investment Management & Research team that develops strategic model portfolios and adaptive strategies.

Robert Leombruno Jr is a financial advisor with Valic Financial Advisors in Williamsville, NY, holding Series 63 and Series 65 licenses and having 18 years of industry experience. His career includes roles at Agia and Massachusetts Mutual Life Insurance Company. He is also the owner of Max Property Development, managing a multi-unit residential property. Valic Financial Advisors serves primarily U.S. individuals, including high net worth clients and employer-sponsored retirement participants, providing portfolio management and financial planning through a large network of advisors. The firm uses discretionary unified managed accounts and offers tax-aware and ESG overlay services, operating at scale with approximately $29.2 billion in assets under management.