Gregory Holgate is a financial advisor with HSBC Securities (USA) Inc. in Buffalo, NY, holding Series 63 and Series 66 designations and 21 years of industry experience. He has been with HSBC Securities since 2009. HSBC Securities (USA) Inc. offers managed account programs to a diverse client base including individuals, retirement accounts, charitable organizations, and corporations. The firm’s investment approach includes both client-directed and fully discretionary portfolios, utilizing model risk profiles and a combination of strategic and tactical asset allocation supported by affiliated and third-party providers.

Thomas Naples is a financial advisor with Guardian Life and holds a Series 66 designation. He has three years of industry experience and has previously worked at Park Avenue Securities. Outside of his advisory role, he is involved in insurance sales with Guardian Life. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, provides brokerage and advisory services to individuals, businesses, and organizations. The firm offers a range of financial planning and investment management solutions, combining advisor-led and model-based strategies with access to insurance and alternative investment products.

Christopher Moribella is a financial advisor with Lincoln Investment in Amherst, NY, holding a Series 63 designation and 40 years of industry experience. He has worked at Lincoln Investment since 2017, following eight years at Legend Advisory Corporation and 31 years at Legend Equities Corporation. Lincoln Investment Planning, LLC is a large enterprise investment advisory and broker-dealer that serves individual and high-net-worth clients, trusts, charities, and retirement plans, with a history of working with educators and 403(b) and 457(b) program participants. The firm offers financial planning, portfolio management, and advisor-led consulting supported by an in-house Investment Management & Research team that develops strategic and adaptive model portfolios.

Jeffrey Kney is a CFP® professional with 24 years of industry experience, currently serving as a financial advisor at Lincoln Investment since 2017. His previous roles include positions at Legend Advisory Corporation and Legend Equities Corporation. 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 employs a blend of advisor-led consulting and model portfolio management supported by an in-house investment research team, with a longstanding focus on educators and participants in 403(b) and 457(b) programs.

James Gomez is a financial advisor with HSBC Securities (USA) Inc. based in Buffalo, NY, holding Series 63 and Series 66 licenses and nine years of industry experience. He has been dual-hatted as a Bank Officer for HSBC Bank (USA) N.A., an affiliate of his current firm, engaging in the sale of bank-related products alongside his role as a registered representative. His entire career has been with HSBC entities since 2016. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations, featuring client-directed and discretionary options. The firm employs a structured investment process with multiple risk profiles and collaborates with affiliated and third-party providers for asset management, fund selection, and administrative services.

Lauren Cecchini is a financial advisor at Lincoln Investment with Series 63 and Series 66 credentials and one year of industry experience. Prior to joining Lincoln Investment, she worked at Fidelity Investments and was involved in several entrepreneurial ventures including automotive detailing and related businesses. Lincoln Investment Planning, LLC serves a broad client base including individual and high-net-worth investors, trusts, charities, and retirement plans, offering financial planning, portfolio management, and access to third-party managers. The firm’s investment approach is supported by an in-house research team that constructs strategic model portfolios and adaptive strategies, with many client relationships remaining advisor-led and tailored to client objectives.

Kristy Toye is a financial advisor at Key Investment Services LLC with 24 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Key Investment Services and Key Bank NA through her career. 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 model-based advisory products and portfolio management through a multi-provider platform, integrating services from KeyCorp affiliates and third-party managers.

Timothy Keller is a financial advisor with Equity Services, Inc. and holds the ChFC® designation along with Series 63 and Series 65 licenses. He has 43 years of industry experience and has previously worked at National Life Group, Mass Mutual Life Insurance Company, and Guardian Life, among others. He is also a managing director at two fixed insurance product firms, NPA Financial and The Vermont Agency. Equity Services, Inc., operating as ESI Financial Advisors, provides financial planning, consulting, and asset management services to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms, often utilizing third-party asset managers and a mix of long-term and shorter-term investment strategies.

Albert Erni Sr. is a financial advisor with Key Investment Services LLC, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. His prior roles include positions at Morgan Stanley and Merrill. Outside of advising, he serves as a board member for Child & Family Services and is involved with Wall Street Sound, a recording studio and copyright holder. Key Investment Services LLC is an SEC-registered investment adviser offering 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, delivering both discretionary and non-discretionary investment solutions.

John Scioli is a financial advisor with Lincoln Investment in Amherst, NY, holding a Series 63 designation and 31 years of industry experience. He has worked at Lincoln Investment since 2017 and previously spent over two decades with Legend Equities Corporation and Legend Advisory Corporation. Outside of his advisory role, he is president of John Scioli Inc., an accounting revenue capture entity. Lincoln Investment Planning, LLC is a large enterprise advisory and broker-dealer serving individual and high-net-worth investors, trusts, charities, and corporate and ERISA retirement plans. The firm offers financial planning, advisor-led consulting, and portfolio management through model portfolios and third-party managers, supported by an in-house Investment Management & Research team.

Dominic Velardi is a financial advisor with Lincoln Investment in Buffalo, NY, holding Series 63 and Series 65 credentials and 40 years of industry experience. His prior work includes roles at Legend Advisory Corporation and Legend Equities Corporation spanning over two decades. 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 utilizes an in-house Investment Management & Research team to develop strategic model portfolios and adaptive strategies, offering a combination of advisor-led consulting and firm-managed investment options.

Charles Triaga III is a financial advisor with Independent Financial Partners, holding Series 63 and Series 65 designations and 38 years of industry experience. His prior experience includes 14 years at key Investment Services LLC before joining Independent Financial Partners and IFP Securities, LLC in 2019. He is also the owner of Harbor Wealth Advisors, an investment-related business focused on financial planning, investing, and insurance services. 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 serving tens of thousands of clients and offers both decentralized investment strategies and centralized asset management options, with a notable specialization in retirement-plan advisory and pension consulting services.

Sebastian Diaz is a CFP® and Series 66-licensed advisor with Guardian Life, based in Buffalo, NY. He has four years of industry experience, including roles at Park Avenue Securities and Guardian Life Insurance Company. Prior to entering financial services, he worked in education and healthcare. Guardian Life, through its subsidiary Park Avenue® Wealth Management, offers brokerage and advisory services to individuals, businesses, and nonprofit organizations. The firm combines advisor-led discretionary management with model-based strategies and access to proprietary and third-party investment solutions.

Gabriel Jewula is a financial advisor at Equity Services, Inc. with one year of industry experience. He holds a Series 66 designation and has previously worked at National Life Group, Equitable Advisors, LLC, and Vision Financial Group. Outside of his advisory roles, he serves as Vice President of R. Jewula Holdings, LLC, a non-investment related business. Equity Services, Inc., doing business as ESI Financial Advisors, provides financial planning, consulting, and asset management services to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms and combines long-term strategies with options for shorter-term trading, utilizing third-party asset managers and model portfolios.

Ping Lin is a CFP® certificant with 16 years of industry experience. Lin is currently with Citizens Securities, Inc. and has previously worked at Charles Schwab and HSBC Securities (USA) Inc. Prior to joining Citizens Securities in 2024, Lin held roles at Charles Schwab Bank and Charles Schwab from 2021 to 2024. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans, offering investment advisory programs alongside brokerage and insurance services. The firm’s advisory programs include both a digital advisory platform and a Managed Account program, while also operating as a broker-dealer and insurance agency.

Katrina O'Sullivan is a financial advisor with Key Investment Services LLC, holding Series 63 and Series 65 designations and bringing 24 years of industry experience. She has been with Key Investment Services since 2016. The firm is an SEC-registered investment adviser and wrap-fee program sponsor serving individuals, trusts, estates, small businesses, and institutional plan clients through a network of financial professionals. Key Investment Services offers multiple wrap programs and relies on a multi-provider model for portfolio management, integrating services with KeyCorp affiliates to provide comprehensive investment and advisory solutions.

Daniel Cavaretta is a financial advisor with Kestra Advisory, holding a Series 66 credential and 25 years of industry experience. Before joining Kestra Advisory in 2021, he worked at Nationwide Investment Services Corp for 15 years and had brief tenures at Cornerstone Capital Wealth Management and Geneos Wealth Management. Outside of advisory activities, he holds a board position as Serjeant-at-arms for the Good Government Club of Western New York. Kestra Advisory Services provides investment advisory and retirement-plan consulting to institutional and individual clients, offering a range of services including fiduciary consulting, plan design, and employee education. The firm serves large institutional investors and supports discretionary and non-discretionary fiduciary services with due diligence on recommended investments.

Jeffrey Ott is a financial advisor at Capital Analysts with 17 years of industry experience. He holds a Series 66 designation and has worked with Lincoln Investment since 2017. His prior experience includes roles at Legend Advisory Corporation, Legend Equities Corporation, and Edward Jones. Capital Analysts serves a diverse clientele 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 independent advisors and in-house investment management.

Jonathan Moyer is a financial advisor with TIAA-CREF, holding a Series 66 designation and 22 years of industry experience. He has been with TIAA-CREF since 2012. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning, discretionary managed account programs, and broker-dealer services to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans. The firm also advises donor-advised funds and operates within a vertically integrated structure using affiliated funds.

Christopher Woods is a financial advisor with Key Investment Services LLC, holding a Series 66 designation and 19 years of industry experience. He has worked at Key Investment Services and KeyBank since 2016, with prior roles at HSBC Securities (USA) Inc. and Chase Investment Services Corp. Woods serves as president and coach of the Niagara Pioneer Soccer League and volunteers as an assistant coach for the Lewiston Porter School District soccer teams. 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 plan clients through a network of financial professionals. The firm utilizes a multi-provider model with platforms and strategists overseeing portfolio design and implementation, and offers multiple wrap-fee programs with custodial services and affiliated insurance products.