Chase Czachorowski is a financial advisor with Guardian Life, holding a Series 66 designation and two years of industry experience. His background includes roles at Park Avenue Securities and DoorDash, along with earlier experience in sports and education. Guardian Life’s subsidiary, Park Avenue Securities, offers brokerage and advisory services to individual, corporate, retirement, and nonprofit clients. The firm combines advisor-led discretionary management with model-based strategies and provides access to proprietary and third-party investment solutions.

Arvin Reyes is a financial advisor with HSBC Securities (USA) Inc. in Buffalo, NY, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. He has been with HSBC Securities and HSBC Bank USA N.A. since 2014. HSBC Securities (USA) Inc. offers managed account programs for a diverse client base, including individuals, retirement accounts, charities, and corporations. The firm’s investment approach uses model risk profiles combined with strategic and tactical asset allocation developed with HSBC Global Asset Management, providing both discretionary and client-directed portfolio management options.

Heather Schultz is a financial advisor at Key Investment Services LLC with three years of industry experience. She holds a Series 66 designation and has worked previously at Park Avenue Securities, Guardian Life Insurance Company, Alliance Advisory Group, Wegmans Food Markets, and Kenmore West High School. 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 multiple wrap programs with custodial and trade execution services, leveraging a multi-provider model that includes Envestnet and Key Wealth Chief Investment Office strategists.

Jason Danheiser is a financial advisor with Key Investment Services LLC in Amherst, NY. He holds Series 63 and Series 66 designations and has 13 years of industry experience. Prior to his current role, he worked at M&T Bank, AXA Advisors, and Citizens Bank. Key Investment Services LLC is an SEC-registered investment adviser and wrap-fee program sponsor serving individuals, trusts, estates, small businesses, and institutional plans through a network of financial professionals. The firm employs a multi-provider model for portfolio management and offers multiple wrap programs with custodial and trade execution services through Pershing.

Craig Warner is a financial advisor at TIAA-CREF with 17 years of industry experience. He holds a Series 66 designation and has worked at TIAA-CREF since 2019, following four years at M&T Securities. Outside of his advisory role, he is active as a musician involved in public performance, composition, and recording. TIAA-CREF Individual & Institutional Services provides financial planning, discretionary managed account programs, and broker-dealer services to individuals—often those connected to TIAA-administered retirement plans—as well as trusts, estates, partnerships, and small retirement plans. The firm distinguishes between one-time planning services and ongoing discretionary management, offering customized portfolios alongside model-based programs.

Jonathon Neyerlin is a financial advisor at Empower Advisory Group with five years of industry experience. He holds Series 63 and Series 66 licenses and has worked at various firms including Delta Academy of Trading and Aeon Fund. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and retail brokerage clients. The firm emphasizes long-term portfolio returns and annual rebalancing through an integrated model connected to Empower’s recordkeeping and administrative platforms.

Donna Barth is a financial advisor at Key Investment Services LLC with 25 years of industry experience. She holds Series 63 and Series 65 licenses. Barth has been with Key Investment Services and its affiliates since 2016. 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 utilizes a multi-provider model with discretionary and non-discretionary management options and integrates services from KeyCorp affiliates in areas such as investment banking and municipal advisory.

Joseph Ahmed is a financial advisor with Guardian Life who holds a Series 66 designation and has five years of industry experience. He previously worked at Park Avenue Securities and served 21 years with the City of Buffalo Police Department. Outside of advising, Ahmed is involved in public speaking through Copchat Training Services LLC. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers a combination of advisor-led discretionary management and model-based strategies, along with access to insurance products and alternative investments.

Michael Pratt is a CFA® charterholder and holds Series 63 and Series 65 licenses, with 14 years of experience in the financial advisory industry. He has worked at Private Advisor Group, LLC since 2019 and previously spent 10 years with Pratt Collard Buck Advisory Group. He operates under the Pratt Collard Buck Advisory Group name within Private Advisor Group. 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 various managed account solutions including proprietary and third-party platforms. The firm employs a fiduciary advisory model, utilizing a range of investment strategies and third-party managers to align with client goals and risk tolerances.

Derek Malis is a financial advisor with Guardian Life and Park Avenue Securities, holding a Series 63 designation and 12 years of industry experience. He has worked at Park Avenue Securities since 2014 and with Guardian since 2013. Outside of his advisory role, he operates as an independent insurance broker offering insurance products separate from Guardian. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers a combination of advisor-led discretionary management and model-based strategies, along with access to proprietary wrap programs and third-party advisory solutions.

Winthrop Buck is a CFP® professional with 10 years of industry experience, currently serving as an advisor at Private Advisor Group, LLC since 2021. He previously worked at Pratt Collard Buck Advisory Group and Winthrop Financial, Inc. Mr. Buck provides investment advice under the Pratt Collard Buck Advisory Group name within Private Advisor Group. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans, offering both discretionary and non-discretionary portfolio management, financial planning, retirement plan consulting, and managed account solutions through proprietary and third-party platforms.

Jeffrey Kney is a financial advisor at Lincoln Investment with 39 years of industry experience. He holds a Series 63 designation and has worked at Lincoln Investment since 2017. Prior to this, he spent 30 years at Legend Equities Corporation and 8 years at Legend Advisory Corporation. He serves as an unpaid board member for the Orchard Park CSD Academy of Finance, advising students interested in business and participating in board activities. Lincoln Investment Planning, LLC is a large enterprise advisory and broker-dealer serving individuals, high-net-worth investors, trusts, charities, and retirement plans, with a history of serving educators and participants in 403(b) and 457(b) programs. The firm offers financial planning, portfolio management, and consulting services supported by an in-house Investment Management & Research team and third-party managers, employing a layered delivery model that includes advisor-led and model portfolio strategies.

Shawn Barnum is a financial advisor with Valic Financial Advisors in Williamsville, NY, holding Series 63 and Series 65 licenses and 14 years of industry experience. He has worked at Valic Financial Advisors since 2014 and also holds a position at Agia since 2022. Outside of his advisory role, he serves as Power of Attorney for his mother. Valic Financial Advisors primarily serves U.S.-based individual investors, including high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, and brokerage services, utilizing Envestnet UMA models and operating at scale with over 1,200 advisors and approximately $26.4 billion in discretionary assets.

Matthew Verel is a financial advisor at Key Investment Services LLC in Buffalo, NY, holding Series 63 and Series 66 licenses with eight years of industry experience. His career includes roles at Key Investment Services since 2018 and Key Bank since 2017. Outside of his advisory work, he serves as a reserve deputy sheriff with the Erie County Sheriff Department during non-trading hours. 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. The firm utilizes a multi-provider platform combining discretionary and non-discretionary management approaches and integrates services from KeyCorp affiliates, including KeyBank and KeyBanc Capital Markets.

David Gelia is a financial advisor with Principal Financial Services, holding a Series 63 designation and over 38 years of industry experience. His prior roles include positions at LPL Financial, Cadaret, Grant & Co., and United Insurance Agency. Outside of his advisory work, he serves as a trustee for Villa Maria College. 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, retirement consulting, and access to third-party money managers through various advisory and promoter arrangements.

Melanie Gagliano is a financial advisor with Kestra Advisory, holding a Series 63 designation and eight years of industry experience. She previously worked at Cadaret, Grant & Co., Inc. and Exile East LLC before joining Kestra in 2021. In addition to her advisory role, she is involved in designing 401(k) plans and sells health insurance plans to small businesses. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a range of institutional and individual clients, offering services including plan design, fiduciary consulting, and advisor-managed accounts. The firm serves large institutional investors and operates diverse programs such as pooled employer plans and private fund placements.

Thomas Volpini is a CFP® with 38 years of industry experience, currently serving at Hightower Advisors since 2017. Prior to this, he worked at Wells Fargo Advisors Financial Network LLC from 2009 to 2017. Outside of his advisory work, he serves as a reserve with the Erie County Sheriff Reserve in New York. Hightower Advisors provides investment advisory and planning services to a diverse client base including individuals, pension plans, charitable organizations, and financial institutions. The firm’s approach emphasizes manager selection and multi-manager solutions, utilizing both affiliated and third-party managers along with proprietary research and a range of investment vehicles.

Debbie Sawma is a financial advisor with Key Investment Services LLC, holding Series 63 and Series 66 licenses and possessing 17 years of industry experience. She has worked at Key Investment Services LLC since 2015 and previously spent 11 years at KeyBank. Outside of finance, she serves as vice president of Sawma's Car Care Inc, an automotive repair business owned by her spouse. 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 plan clients through a network of financial professionals. The firm offers multiple wrap-fee programs supported by platform services from Envestnet and portfolio management from internal and third-party strategists.

Joseph Martin is a financial advisor with Principal Financial Services in Amherst, NY, holding the CFP® designation and Series 63 license. He has 28 years of industry experience, including over two decades at Principal Securities Inc. and Principal Life Insurance Company. Principal Securities provides brokerage and registered investment advisory services to a broad client base, including individual investors, retirement plans, trusts, charitable organizations, corporations, and active-duty U.S. military personnel stationed abroad. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions under various advisory and promoter arrangements.

Charles Lytle is a financial advisor with United Planners Financial Services of America, holding a Series 63 license and 16 years of industry experience. He has operated his own advisory businesses since 2009 and currently serves as an insurance agent specializing in non-variable insurance. Additionally, he provides tax preparation and accounting services through a separate firm. United Planners Financial Services serves a diverse client base including individuals, corporations, charitable organizations, and institutional clients. The firm offers financial planning, portfolio management, retirement plan services, and brokerage solutions through an open-architecture platform with multiple custodians and third-party money managers.