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 and is currently with Lincoln Investment, where he has worked since 2017. He previously spent 35 years at Legend Equities Corporation and 8 years at Legend Advisory Corporation. He serves as Treasurer and peer facilitator for the Laurel Love Center for Grief and Hope, a nonprofit organization. Lincoln Investment Planning, LLC is an enterprise investment 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 advisor-led consulting 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 with Key Investment Services LLC, holding Series 63 and Series 66 licenses and five years of industry experience. His prior roles include positions at KeyBank, MML Investors Services LLC, MassMutual Life Insurance Company, and New York Life Insurance Co. He also has experience working at the University of Buffalo and Minnesota Hockey Camps. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through various advisory programs, including wrap-fee programs and separately managed accounts. The firm emphasizes client-directed model selection and provides ongoing monitoring and due diligence of third-party advisory products.

Christian Thompson is a financial advisor with HSBC Securities (USA) Inc. in Buffalo, NY, holding a Series 66 credential and one year of industry experience. Prior to joining HSBC Securities and HSBC Bank USA, N.A. in 2025, he worked at Mass Mutal Investors Services and MassMutual Life Insurance Co from 2022 to 2025. Outside of his advisory role, Thompson is active as a social media influencer on TikTok, where he creates content focused on Reddit and fictional first-date stories. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charities, and corporations, providing various program types including client-directed and fully discretionary portfolios. The firm employs a multi-profile investment process and partners with affiliated and third-party providers for advisory, fund selection, and custody services.

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 11 years of industry experience. She holds Series 63 and Series 66 credentials and also serves as a Bank Officer for HSBC Bank (USA) N.A., an affiliate of her broker-dealer, where she engages in the sale of bank-related products and services. Her tenure with HSBC entities dates back to 2014. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations through various client-directed and discretionary strategies. The firm employs model risk profiles and combines strategic and tactical asset allocation with global fund due diligence, offering a distinctive range of managed and non-discretionary portfolio options, including specialized programs for private bank clients and offshore investors.

Darren Butler is a financial advisor at Citizens Securities, Inc. with three years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at JPMorgan Chase Bank, N.A., J.P. Morgan Securities LLC, and Bank of America. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans, offering both investment advisory programs and brokerage and insurance services. The firm’s investment approach includes a digital advisory program utilizing ETF-based portfolios guided by proprietary algorithms and client risk-tolerance assessments, alongside commission-based brokerage and other services.

Tyler Zeplowitz is a financial advisor with Eagle Strategies (NY Life) based in Williamsville, NY. He holds Series 63 and Series 65 designations and has one year of industry experience. His prior roles include positions at NYLIFE Securities LLC and New York Life, as well as work outside finance at Dicks Sporting Goods and Bubble Boy Car Wash. Eagle Strategies serves a diverse client base, including individual investors and institutional clients, providing financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored recommendations across multiple advisory programs and manages the majority of its assets under non-discretionary arrangements.

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 Primerica Advisors in Buffalo, NY, holding a Series 63 designation and 18 years of industry experience. He has been with Primerica Advisors and Guardian Life Insurance Co of America since 2011. Outside of his advisory work, he serves as Vice Chair of Membership, PR & Branding on the board of the Wanakah Country Club. Primerica Advisors is part of Park Avenue Securities LLC, which serves a broad retail client base including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers both brokerage and advisory services, utilizing proprietary and third-party investment strategies across various account types.

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.

Pamela Hintermeier Abati is a financial advisor with VOYA Financial Advisors, Inc. She holds a Series 63 designation and has 38 years of industry experience. Prior to joining VOYA in 2014, she has operated a tax preparation business since 1980. In addition to her advisory role, she is the owner of a tax preparation service and has experience as an independent insurance agent specializing in fixed insurance products. VOYA Financial Advisors, Inc. serves a diverse client base, including individuals, institutions, retirement plan sponsors, and high-net-worth clients. The firm offers a variety of financial services such as financial planning, portfolio management, and third-party money manager access, with a focus on non-discretionary recommendations.

Edward Burgio III is a financial advisor at Independent Financial Partners with 16 years of industry experience. He holds a Series 66 designation and has worked at Independent Financial Partners since 2019, with prior experience at Key Investment Services LLC. Outside of his primary role, he owns Harbor Wealth Advisors, a financial advising business. 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 individual, charitable, corporate, and high-net-worth clients, offering both discretionary and non-discretionary management with a notable focus on retirement-plan advisory and pension consulting.

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.