Timothy Keller is a financial advisor with Equity Services, Inc. in Amherst, NY, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 42 years of industry experience with a career that includes roles at National Life Group, Mass Mutual Life Insurance Company, and New York Life. Keller is also a managing director at two firms focusing on the sale and service of fixed insurance products. Equity Services, Inc., operating as ESI Financial Advisors, provides financial planning, consulting, and asset management services to a broad client base including individuals, corporations, trusts, charitable organizations, and employer retirement plans. The firm utilizes multiple advisory platforms and third-party asset managers, combining long-term strategies with options for shorter-term trading and specialized instruments.

Albert Erni Sr. is a financial advisor with Key Investment Services LLC in Tonawanda, NY, holding Series 63 and Series 66 licenses and possessing 25 years of industry experience. He has been with Key Investment Services and KeyBank since 2017. Outside of his advisory role, he serves as a board member of Child & Family Services and is involved in a recording studio and copyright holdings through Wall Street Sound. Key Investment Services LLC provides advisory and brokerage services to individuals, trusts, estates, small businesses, and corporate clients. The firm emphasizes client-directed investment decisions supported by model portfolios and third-party managerial oversight, operating within the KeyCorp group and maintaining affiliations with KeyBank and KeyBanc Capital Markets.

Charles Triaga III is a financial advisor with Independent Financial Partners, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He previously worked at Key Investment Services LLC for 14 years before joining Independent Financial Partners in 2019. Triaga is also involved in investment-related activities through REVC, LLC, doing business as Harbor Wealth Advisors, and serves as an insurance planning agent at Specific Solutions Inc. Independent Financial Partners offers investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of approximately 261 advisors. The firm supports a decentralized advisory model with options for centralized asset management and specializes in retirement-plan advisory and pension consulting services.

Sebastian Diaz is a CFP®-credentialed financial advisor with three years of industry experience. He is currently affiliated with Primerica Advisors and has worked at Park Avenue Securities and Guardian Life Insurance Company. Prior to his financial career, he was employed at Southern Tier Pediatrics and Southwestern Central School. Primerica Advisors serves a broad retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients, offering both brokerage and advisory services along with financial planning and consulting. The firm utilizes a range of investment strategies through proprietary and third-party programs and provides various account-level services such as lending solutions and donor-advised funds.

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.

Katrina O'Sullivan is a financial advisor at Key Investment Services LLC with 24 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Key Investment Services since 2011. Key Investment Services LLC is an SEC-registered investment adviser and FINRA-member broker-dealer that serves individuals, trusts, estates, small businesses, and corporate clients through a variety of advisory programs, including wrap-fee programs, model portfolios, and separately managed accounts. The firm emphasizes client direction in investment model selection while providing ongoing monitoring, due diligence, and access to third-party discretionary managers.

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.

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 in Niagara Falls, NY. He holds a Series 66 designation and has 18 years of industry experience, including over 10 years with Key Investment Services and KeyBank NA. Outside of his advisory work, Woods volunteers as president and coach for the Niagara Pioneer Soccer League and serves as an assistant coach for the Lewiston Porter School District. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through a variety of advisory programs, including wrap-fee programs, model portfolios, and separately managed accounts. The firm emphasizes client-directed model selection and provides ongoing monitoring, due diligence, and supervisory oversight, operating within the KeyCorp group alongside affiliated banking and capital markets entities.

Chase Czachorowski is a Series 66-licensed financial advisor with two years of industry experience, currently affiliated with Guardian Life and Park Avenue Securities in Buffalo, NY. His prior work history includes roles at DoorDash and Front Row Sports, as well as teaching at West Seneca East High School. He is also involved in an insurance-related activity outside of his primary advisory role. Park Avenue Securities LLC operates as a dually registered broker-dealer and SEC-registered investment adviser, serving individuals, pension plans, charitable organizations, and corporate clients with brokerage and advisory services. The firm offers a range of investment programs, financial planning, and retirement consulting, supported by proprietary technology and third-party strategists.

Arvin Reyes is a financial advisor at HSBC Securities (USA) Inc. with 19 years of industry experience. He holds Series 63 and Series 66 registrations and has been with HSBC since 2014. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations through various client-directed and discretionary offerings. The firm combines strategic and tactical asset allocation advice with fund due diligence and ongoing monitoring, serving a broad client base with both non-discretionary and discretionary portfolio management.

Heather Schultz is a financial advisor with Key Investment Services LLC, holding a Series 66 designation and three years of industry experience. Her prior work includes positions at Park Avenue Securities, Guardian Life Insurance Company, Alliance Advisory Group, Wegmans Food Markets, and Kenmore West High School. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through various advisory programs, model portfolios, and managed accounts. The firm emphasizes client-directed model selection, ongoing monitoring, and due diligence, and operates within the KeyCorp group with connections to KeyBank and KeyBanc Capital Markets.

Jason Danheiser is a financial advisor at Key Investment Services LLC with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with Key Investment Services and KeyBank since 2019, along with prior roles at M&T Bank, M&T Securities, AXA Advisors, and Citizens Bank. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through various advisory programs, including wrap-fee programs, model portfolios, and separately managed accounts. The firm emphasizes client direction in investment strategy selection and provides oversight through due diligence and supervisory review, operating as part of the KeyCorp group with connections to KeyBank and KeyBanc Capital Markets.

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 with Empower Advisory Group in Buffalo, NY. He holds Series 63 and Series 66 licenses and has four years of industry experience. His prior roles include positions at Delta Academy of Trading and Aeon Fund. Empower Advisory Group provides financial planning and investment management services primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and retail brokerage account holders. The firm integrates its services with Empower’s recordkeeping and administrative platforms, offering point-in-time financial plans and optional managed account solutions.

Donna Barth is a financial advisor with Key Investment Services LLC in Depew, NY. She holds the Series 63 and Series 65 licenses and has 25 years of industry experience. Barth has been with Key Investment Services and affiliated KeyBank since 2016. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through various advisory programs, model portfolios, and managed accounts. The firm emphasizes client involvement in model selection while providing non-binding recommendations and ongoing monitoring, and it operates within the KeyCorp group with integrated banking and capital markets relationships.

Joseph Ahmed is a Series 66-licensed financial advisor with Primerica Advisors and has four years of industry experience. Prior to his financial services career, he served for 21 years with the City of Buffalo Police Department. Outside of advising, he is involved in public speaking through Copchat Training Services LLC. He works with Park Avenue Securities LLC, a firm serving a broad retail client base that includes individual and high-net-worth investors, charitable organizations, and corporate clients. Park Avenue Securities offers both brokerage and advisory services, utilizing proprietary and third-party investment strategies across various account types.

Michael Pratt is a CFA® charterholder with 14 years of industry experience, currently serving as an advisor at Private Advisor Group, LLC since 2021. He also provides investment advice through his business, Pratt Collard Buck Advisory Group, which he has operated since 2011. Private Advisor Group, LLC is an SEC-registered firm managing over $41 billion across more than 135,000 client relationships. The firm serves individuals, trusts, estates, charitable organizations, and corporate and retirement plan clients, offering a range of portfolio management and financial planning services utilizing various investment strategies and third-party platforms.

Derek Malis is a financial advisor with Primerica Advisors and holds a Series 63 designation. He has 12 years of industry experience, including roles at Park Avenue Securities and Guardian. Outside of his advisory work, he acts as an independent insurance broker offering products beyond Guardian. Park Avenue Securities serves a diverse retail client base with brokerage and advisory services, including financial planning and retirement consulting. The firm employs a variety of investment strategies through proprietary and third-party platforms and manages approximately $15 billion in regulatory assets under management.

Winthrop Buck is a CFP® professional with nine years of industry experience, currently affiliated with Private Advisor Group, LLC. He has previously worked at Winthrop Financial, Inc. and operates under the Pratt Collard Buck Advisory Group name for his advisory services. Private Advisor Group, LLC is an SEC-registered firm managing over $41 billion across more than 135,000 client relationships. The firm serves individuals, trusts, estates, charitable organizations, and corporate and retirement plan clients, offering portfolio management, financial planning, retirement consulting, and access to third-party asset management programs.