Richard Telfair is a financial advisor at Lincoln Investment with 25 years of industry experience. He holds a Series 63 designation and has worked at Lincoln Investment since 2017. His prior experience includes roles at Legend Advisory Corporation and Legend Equities Corporation. Lincoln Investment serves individuals, charitable organizations, businesses, and employer-sponsored retirement plans, with a focus on educators and 403(b)/457(b) participants. The firm offers a range of financial planning and advisory services, employing both strategic and dynamic investment approaches managed by an in-house Investment Management & Research team.

David Mangano is a financial advisor with Kestra Advisory Services and holds the ChFC® and Series 63 designations. He has 37 years of industry experience, including 17 years at LPL Financial prior to joining Kestra in 2025. Outside of his advisory role, he serves as vice president of the Chapel Woods Homeowners Association board. Kestra Advisory Services provides investment advisory and retirement-plan consulting to institutional and individual clients, offering fiduciary consulting, plan-level investment advice, and a range of managed account solutions. The firm serves large institutional investors, including sovereign wealth funds, and supports complex investment products within its supervisory framework.

Nicholas Ljiljanich is a financial advisor at Lincoln Investment with Series 65 and Series 63 licenses and one year of industry experience. He has worked at Lincoln Investment since 2024 and has a background that includes roles at Santora's Pizza Pub & Grill and SUNY Cortland. Lincoln Investment serves individuals, charitable organizations, businesses, and employer-sponsored retirement plans, with a focus on educators and 403(b)/457(b) participants. The firm offers a range of financial planning and investment management services, utilizing both strategic and tactical approaches overseen by an Investment Management & Research team.

Donald Moran is a financial advisor at Key Investment Services LLC with 21 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Key Investment Services since 2016. The firm serves individuals, trusts, estates, small businesses, and corporate clients through various advisory programs, including wrap-fee programs, model portfolios, separately managed accounts, and unified managed accounts. Key Investment Services is part of the KeyCorp group and emphasizes client direction in investment strategy selection while providing ongoing monitoring and due diligence of third-party advisory products.

Kevin Kania is a financial advisor with Eagle Strategies (New York Life) in Williamsville, NY, holding Series 66 and Series 63 licenses and two years of industry experience. His prior work includes 17 years at Geico. Eagle Strategies serves a diverse client base including individual investors, institutional clients, and retirement plans, offering financial planning, investment management, and advisory services. The firm emphasizes tailored recommendations and manages a significant portion of assets on a non-discretionary basis.

Justin Egan is a financial advisor with Empower Advisory Group and holds Series 63 and Series 65 licenses. He has one year of industry experience, with prior roles at Empower Financial Services, Equitable Advisors, and Onebridge Benefits. Egan served in the US Marines from 2017 to 2021. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as certain IRA and retail brokerage clients. The firm offers an integrated service model connected to Empower’s administrative platforms, focusing on long-term portfolio returns and annual rebalancing within plan lineups selected by plan sponsors.

Kerrianne Creegan is a financial advisor with HSBC Securities (USA) Inc. in Buffalo, NY, holding Series 63 and Series 65 licenses and having 12 years of industry experience. She has worked within various HSBC entities since 2015. Outside of her advisory role, she is an executive consultant for a skincare business and also creates and sells crafts as a hobby. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations, providing services through both client-directed and discretionary investment programs. The firm combines strategic and tactical asset allocation developed with HSBC Global Asset Management and employs a range of model risk profiles to serve clients.

Douglas Castren is a financial advisor with Principal Financial Services, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked at Principal Securities Inc. since 2016 and previously operated Nicastro & Castren Financial Services from 2014 to 2017, along with experience at Principal Life Insurance Company. Outside of advisory roles, he has been involved in insurance and fixed annuities. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and active-duty military personnel. The firm offers direct advisory programs, financial planning, and access to third-party money manager solutions, with investment implementation generally managed on a discretionary basis by these managers.

Zachary Hale is a financial advisor at HSBC Securities (USA) Inc. with seven years of industry experience. He holds the Series 63 and Series 66 designations. Prior to his current role, he worked at Bank of America N.A., Merrill, Brighton Securities, and Allstate Insurance Company. He also serves as a bank officer for HSBC Bank (USA) N.A., an affiliate of his primary firm. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations through various client-directed and discretionary investment programs. The firm’s investment process integrates strategic and tactical asset allocation with ongoing fund due diligence, supported by affiliated global asset management and fund selection teams.

Scott Zeplowitz is a financial advisor with Eagle Strategies (NY Life) based in Williamsville, NY, holding Series 63 and Series 66 designations and having 12 years of industry experience. His career includes roles at Eagle Strategies, ROI Financial Group, NYLife Securities LLC, and New York Life Insurance Co. Outside of his advisory work, he serves as a board member of the Lockport Ice Arena & Sports Complex. Eagle Strategies serves a broad clientele including individual and institutional investors, providing financial planning, investment management, and retirement-plan advisory services. The firm offers multiple advisory program types and emphasizes tailored recommendations, with the majority of assets under management held on a non-discretionary basis.

Joel Morawski is a CFP®-designated financial advisor with Private Advisor Group, LLC, bringing 27 years of industry experience. He has been with Private Advisor Group and LPL Financial since 2014. Outside of his advisory work, Morawski serves as a hockey official and proctors risk analysis exams at local universities. Private Advisor Group, LLC is an SEC-registered firm managing over $41 billion for more than 135,000 clients, including individuals, trusts, estates, and corporate plans. The firm offers discretionary and non-discretionary portfolio management, financial planning, and retirement consulting, utilizing multiple asset management platforms and third-party strategies.

William Grochala is a financial advisor at Key Investment Services LLC with 12 years of industry experience. He holds Series 65 and Series 63 designations. His work history includes multiple roles within Key Investment Services and related entities, as well as KeyBank. 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 and ongoing monitoring, while providing access to third-party discretionary managers and maintaining supervisory oversight.

Jordan Honan is a financial advisor with Key Investment Services LLC and holds a Series 66 credential. He has 18 years of industry experience, including over a decade with Key Investment Services in various capacities. Outside of his advisory role, he serves as a member of the finance committee at St. John Vianney Church and holds a minority interest in a Thoroughbred racehorse. Key Investment Services LLC serves individuals, trusts, estates, and businesses through wrap-fee advisory programs, model portfolios, separately managed accounts, and brokerage and insurance products. The firm emphasizes client-directed investment decisions supported by non-binding recommendations and ongoing monitoring, and it operates within the KeyCorp group with connections to affiliated banking and capital markets entities.

Cheryl Vallon is a financial advisor with HSBC Securities (USA) Inc. in Buffalo, NY. She holds Series 63, Series 65, and Series 66 credentials and has 21 years of industry experience. Cheryl has been with HSBC Securities since 2010 and has also worked at HSBC Technology & Services USA since 2015. HSBC Securities (USA) Inc. offers managed account programs to a diverse client base, including individuals, retirement accounts, charitable organizations, and corporations. The firm provides both client-directed and discretionary portfolio options, utilizing a structured asset-allocation process supported by affiliated asset management and fund selection teams.

Elizabeth House is a financial advisor at Valic Financial Advisors with four years of industry experience. She holds a Series 66 designation and has worked previously at Protective Industries and Agia. Outside of her advisory role, she is also an agent for non-securities insurance products. Valic Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth and ultra-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-developed UMA models for portfolio construction.

Joseph Herrmann is a financial advisor with HSBC Securities (USA) Inc. in Buffalo, NY, holding Series 63 and Series 65 credentials and bringing 16 years of industry experience. His prior roles include positions at MassMutual Life Insurance Company, Gilder Gagnon Howe, and City National Rochdale. He serves as an advisory board member for Seton Hall University's Transformative Leadership Certificate Program. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations, utilizing a mix of client-directed and discretionary investment options supported by strategic and tactical asset-allocation advice developed with HSBC Global Asset Management.

Brian Geary is a CFP® and Series 65-licensed financial advisor with five years of industry experience. He has worked at Hightower Advisors since 2022 and previously spent ten years at Linwood Investment Advisors. Based in Buffalo, NY, he is currently affiliated with Hightower Advisors. Hightower provides investment advisory and planning services to a diverse range of individual and institutional clients, offering discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting. The firm emphasizes manager selection and multi-manager solutions, combining proprietary research and a variety of investment vehicles to serve its clients.

Nila Khoury is a financial advisor with HSBC Securities (USA) Inc. in Buffalo, NY, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. She has been with HSBC Securities since 2018 in various capacities and has worked at HSBC Bank USA, N.A. since 2016. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations through a range of discretionary and non-discretionary investment solutions. The firm employs a multi-profile investment process developed with HSBC Global Asset Management and offers programs including the client-directed Spectrum Program and fully discretionary Spectrum II and Offshore Spectrum programs.

Austin Reese is a financial advisor with Key Investment Services LLC, holding Series 63 and Series 66 licenses and bringing eight years of industry experience. His prior work includes roles at HSBC Securities (USA) Inc., Wells Fargo Clearing Services LLC, and Citi Group. Reese has been with Key Investment Services since 2022. Key Investment Services LLC serves individuals, including high-net-worth clients, trusts, estates, small businesses, and corporate clients through a variety of wrap-fee advisory programs, model portfolios, separately managed accounts, and brokerage and insurance products. The firm emphasizes client-directed investment decisions with financial professionals offering non-binding recommendations and ongoing monitoring, supported by due diligence and supervisory oversight.

John Birkby is a CFP® professional with 42 years of industry experience, currently affiliated with Commonwealth Financial Network and Clark & Company Wealth Management since 2024. He previously worked at Lincoln Financial Securities from 2008 to 2024. Outside of advising, he is a co-owner of Swanson & Birkby Associates, LLC, a commercial real estate management entity. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their retail and institutional clients, providing a range of advisory programs, wealth management, and retirement plan consulting. The firm offers operational support, investment management, and compliance services to affiliated advisors who generally have discretion in constructing client portfolios.