Emily Dittemore is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and 11 years of industry experience. She has worked at Commonwealth since 2013 and previously at Webster University from 2014 to 2017. Outside of financial advising, she owns Dittemore Designs, a sole proprietorship specializing in handmade crafts. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing over $212 billion in client assets. The firm provides a range of managed-account programs, access to third-party asset managers, and custody and clearing services, supporting advisors in implementing portfolios through both internal and external model portfolios.

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.

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®-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.

Ping Lin is a CFP® professional with 15 years of industry experience, currently serving at Citizens Securities, Inc. since 2024. Prior to this, Lin worked at Charles Schwab Bank, SSB and Charles Schwab from 2021 to 2024, and HSBC Securities (USA) Inc. from 2015 to 2021. Citizens Securities serves a broad retail client base including individual and high-net-worth investors and individual retirement plans. The firm offers both investment advisory programs and brokerage and insurance services, with advisory offerings that include a digital advisory program and a Managed Account program.

Katrina O'Sullivan is a financial advisor at Key Investment Services LLC with 24 years of industry experience. She holds the Series 63 and Series 65 designations and has been with Key Investment Services since 2011. The firm serves individuals, trusts, estates, small businesses, and institutional plan clients by providing portfolio management and model-based advisory products through a network of financial professionals. Key Investment Services integrates platform services from Envestnet with model portfolios designed by its in-house Chief Investment Office and third-party managers, offering primarily non-discretionary investment solutions alongside ancillary insurance products and custodial services.

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, 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.

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 with HSBC Securities (USA) Inc. in Buffalo, NY. He holds Series 63 and Series 66 licenses and has 19 years of industry experience. Reyes has been with HSBC Securities and HSBC Bank USA N.A. since 2014. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations, with both client-directed and discretionary options. The firm employs a structured investment process that incorporates strategic and tactical asset allocation and uses affiliated third-party providers for fund selection and account management.

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 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 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.