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.

Angelo Ciccarelli is a financial advisor with Key Investment Services LLC, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. His career includes positions at HSBC Securities (USA) Inc. and Key Investment Services LLC, where he has worked since 2012. Outside of his advisory role, he serves as an At-Large Director for WNYHOA, a local organization that assigns referees to youth ice hockey games, and he actively officiates youth ice hockey games. Key Investment Services LLC is an SEC-registered investment adviser providing 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 employs a multi-provider model with discretionary and non-discretionary strategies, integrates offerings from KeyCorp affiliates, and emphasizes percentage-of-AUM wrap fees.

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.

James Miller is a CFP® professional with 36 years of industry experience, currently serving as a financial advisor at Lincoln Investment since 2017. He previously worked at Legend Advisory Corporation and Legend Equities Corporation, where he held advisory roles for over a decade. Miller also holds Series 63 and Series 65 licenses. Lincoln Investment is an enterprise investment advisory and broker-dealer serving a diverse client base including individual and 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.

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 in Amherst, NY, holding Series 63 and Series 65 credentials and bringing 10 years of industry experience. His career includes roles at Principal Securities Inc, Principal Life Insurance Company, Valic Financial Advisors, and Massachusetts Mutual Life Insurance Company. He is a co-owner of PKM Employee Services LLC, an entity established to facilitate payments to private staff. Principal Securities offers brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm’s advisory approach emphasizes direct advisory programs, financial planning, and access to third-party money manager solutions under both adviser and promoter arrangements.

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.

Sandra Barry is a financial advisor with Private Advisor Group, LLC, holding Series 63 and Series 65 credentials and over 30 years of industry experience. Her career includes roles at Private Advisor Group since 2015, LPL Financial since 2014, Sage Investment Group since 2013, Citizens Securities, Inc., and HSBC Securities (USA) Inc. She is also an insurance agent with SPECIFIC SOLUTION, INC. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans by providing discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting. The firm offers a range of managed account solutions and employs a fiduciary-based advisory model that includes selecting portfolio managers and model portfolios from leading strategists.

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.

Mark Ziemba II is a financial advisor at Private Advisor Group, LLC with 16 years of industry experience. He holds a Series 66 designation and has been with Private Advisor Group and LPL Financial since 2011. Outside of his advisory work, he is involved in managing family-owned real estate through Markrich Properties, Inc. and serves as an independent agent for fixed insurance products. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans, offering both discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting. The firm employs a fiduciary-based advisory model and integrates a variety of investment strategies and third-party managers to meet client goals.

Christopher Midecke is a financial advisor with Principal Financial Services in Amherst, NY, holding a Series 63 designation and 15 years of industry experience. He has been with Principal Securities and Principal Life Insurance Company since 2016. Outside of his advisory role, Midecke coaches a traveling soccer team for the Clarence Soccer Club. 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, and access to third-party money manager asset allocation and separately managed accounts.

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® with 31 years of industry experience, currently serving at Private Advisor Group, LLC since 2013. He has prior experience with LPL Financial and First Allied Advisory Services. Outside of his advisory role, he is involved with Independent Planner LLC, focusing on investment and non-variable insurance activities. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans, offering discretionary and non-discretionary portfolio management, financial planning, retirement plan consulting, and access to a variety of advisory programs. The firm’s fiduciary advisory model combines client goal assessment with both portfolio management and manager selection, utilizing technology platforms and a range of investment strategies.

Kathleen Flynn is a financial advisor with Eagle Strategies (NY Life) based in Getzville, NY. She holds Series 65 and Series 66 licenses and has 17 years of industry experience. Her work history includes roles at Clarity Group, Inc., Longevity Financial, and New York Life Insurance Company. Flynn serves as a board member for Town Square for Aging, a nonprofit focused on the needs of the aging population in Western New York, and is involved with the Center for Entrepreneurial Leadership Alumni Association. Eagle Strategies serves a diverse client base, including individual investors, institutional clients, and retirement plans, providing financial planning, investment management, and advisory services. The firm emphasizes tailored solutions through multiple program types and manages a majority of its assets on a non-discretionary basis within an integrated New York Life affiliate structure.

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.