Ryan Collins is a financial advisor at Invictus Advisory Services with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Invictus since 2021. His prior experience includes roles at MML Investors Services and Massachusetts Mutual Life Insurance Company. Outside of his advisory work, Collins is employed at Milestone Consulting, LLC, where he provides consulting services focused on settlement preservation, economic analysis, and protection of government benefits for attorneys and plaintiffs. Invictus Advisory Services offers discretionary portfolio management and financial planning primarily for individuals, trusts, charities, and estates, with a focus on clients receiving personal injury, wrongful death, or workers’ compensation settlements. The firm emphasizes tailored asset allocations, long-term market exposure, and coordination with legal professionals through affiliated settlement-planning and lien-resolution services.

Kristina Saperston is a financial advisor at Saperston Legacy Advisors, Inc. in Hamburg, NY, holding Series 63 and Series 65 licenses with 17 years of industry experience. Her work history includes roles at Brighton Securities Corp and multiple related businesses under the Saperston name. She is involved in several affiliated companies offering private client services and real estate brokerage. Saperston Legacy Advisors provides investment supervisory services and portfolio management to retail and high-net-worth individuals, pension plans, charitable organizations, and corporate clients. The firm emphasizes technical and momentum-based analysis alongside fundamental review, using proprietary asset-allocation programs and various research sources.

Robert Werner is a CFP® and CFA® with 10 years of industry experience, currently serving as Managing Member and Chief Investment Officer at Winthrop Partners – EPA, LLC. He has been with Winthrop Partners and its affiliated entities since 2015. Mr. Werner is not engaged in any other business activities outside his roles at these firms. Winthrop Partners – EPA, LLC provides investment advisory and financial planning services to individuals, high-net-worth clients, trusts, estates, charitable organizations, pension plans, and corporations. The firm employs a top-down and bottom-up approach to asset allocation and stock selection, offering both discretionary and non-discretionary portfolio management tailored to client risk tolerance and goals.

Joseph Chappius is a financial advisor at Under Par Planning LLC with 11 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at Northwestern Mutual and its affiliated companies for nearly a decade before joining Under Par Planning in 2020. Under Par Planning LLC provides financial planning, investment management, retirement plan consulting, and tax preparation services for individuals and high-net-worth clients. The firm emphasizes long-term, broadly diversified asset allocation using low-cost mutual funds and ETFs, offering tiered planning memberships and continuous portfolio management tailored to client needs.

Todd Murphy is a CFP® and CFA® with 19 years of industry experience. He is a principal at Garrison Murphy Wealth Management, LLC, where he has worked since 2018. Prior to joining Garrison Murphy, he spent six years at Wilmington Trust Investment Advisors, Inc. Garrison Murphy Wealth Management serves individual and high-net-worth clients as well as pooled investment vehicles, providing integrated wealth advisory services including financial planning, discretionary portfolio management, and estate planning coordination. The firm emphasizes strategic asset allocation and integrates private and public holdings, also offering advisory services for private funds and other pooled vehicles.

Jeffrey Tooke is a financial advisor with MHA Financial Corp in Buffalo, NY, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. His prior roles include positions at Four Points Capital Partners, Bay Harbor Advisors LLC, Avendus Capital, Inc., and Niagara International Capital Limited. Outside of finance, he serves as a board member and treasurer for the Center for Glass & Light, a nonprofit focused on stained glass restoration, and is a transitional deacon in the Episcopal Diocese of Western New York. MHA Financial Corp provides personalized financial planning and portfolio management for individuals, trusts, estates, and small businesses, managing approximately $98 million in assets. The firm employs a core-and-satellite investment approach that combines passive index funds and ETFs with active management, utilizing both discretionary and non-discretionary strategies through various third-party platforms and custodians.

James Taylor III is a financial advisor at Saperston Legacy Advisors, Inc. with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Brighton Securities Corp, First Allied Securities Inc., and Summit Wealth Management Inc. Saperston Legacy Advisors provides investment supervisory services and portfolio management to retail and high-net-worth individuals, pension plans, charitable organizations, and corporate clients. The firm uses proprietary asset-allocation programs and emphasizes technical and momentum-based analysis alongside fundamental review in its investment approach.

Ryan Carney is a financial advisor with Winthrop Partners – WNY, LLC, holding a Series 66 designation and 10 years of industry experience. He has been with Winthrop Partners since 2016. Winthrop Partners – WNY, LLC provides investment advisory and financial planning services to individuals, high-net-worth clients, trusts, estates, charitable organizations, retirement plans, and business entities. The firm uses a discovery process to establish client goals and risk tolerance, implementing portfolios with a mix of individual equities, fixed income, ETFs, and mutual funds across a range of model allocations, and offers specialized services such as a subscription-style planning service and legacy-portfolio management.

Neil Farrell is a financial advisor at Farrell Financial with a Series 65 designation and four years of industry experience. Prior to joining Farrell Financial, he worked at The University of Tennessee at Chattanooga and served in the United States Air Force Academy. Farrell Financial provides fee-based investment advisory services and comprehensive financial planning to individuals, trusts, estates, charitable organizations, and business entities. The firm employs a tactical allocation strategy based on fundamental analysis and manages client portfolios on a discretionary basis, serving both non-high-net-worth and high-net-worth clients.

Jeffrey Wolniewicz is a CFP® and ChFC® with 12 years of experience in financial advising. He is currently with Under Par Planning LLC, where he has worked since 2020. Prior to that, he spent nearly a decade at Northwestern Mutual in various capacities, including wealth management and investment management. Under Par Planning LLC is a state-registered advisory firm serving individuals, high-net-worth clients, retirement plan sponsors, and small business owners. The firm manages approximately $33 million and offers comprehensive financial planning, discretionary investment management, and retirement plan consulting, using a long-term, strategic asset-allocation approach with tax-aware implementation.

William Hudson III is a Certified Financial Planner® with 25 years of industry experience. He is currently with Hudson Capital Advisory, Inc. and has previously worked at Monetary Management Corporation and other firms. Hudson Capital Advisory provides investment management, financial planning, and consulting services to individuals and registered investment advisers. The firm offers customized portfolios using fundamental, technical, and cyclical analysis and engages in sub-advisory and co-advisory relationships with other SEC-registered advisers.

Paul Isaac Sr. is a financial advisor with Paramount Wealth Advisors in Buffalo, NY, holding Series 63, 65, and 66 licenses and bringing 27 years of industry experience. He has previously worked at firms including Securities America, SSN Advisory, and Equitable Advisors. Outside of wealth advisory, he serves as one of 100 board members for the New York State Trial Lawyers and is managing partner of Paramount Settlement Planning, a firm specializing in structured settlements for personal injury clients. Invictus Advisory Services, doing business as Paramount Wealth Advisors, provides discretionary portfolio management and financial planning primarily to individuals, trusts, charities, and estates. The firm has a particular focus on managing cash and annuity components of personal-injury and workers’ compensation settlements and combines fundamental and technical analysis with a long-term, diversified, tax-aware investment approach.

Sean O'Brien is a financial advisor at Andrew Hill Investment Advisors, Inc. in Buffalo, NY with one year of industry experience. He holds a Series 65 designation. His prior work includes roles at Sonwil Logistics and Canisius University. Andrew Hill Investment Advisors provides discretionary and non-discretionary asset management, modular financial planning, and pension consulting to a diverse client base including individuals, trusts, estates, charitable organizations, employer-sponsored plans, captive insurance companies, and individual insurance owners. The firm customizes portfolios based on client objectives and applies a combination of fundamental, technical, cyclical, and behavioral analysis, incorporating environmental, social, and governance (ESG) factors in security selection.

Keith Maderer is a financial advisor at SENIOR Financial and Realty Assoc. with four years of industry experience. He holds a Series 63 designation and has been with SENIOR Financial and Realty Assoc. since 1990. SENIOR Financial and Tax Associates is a fee-only advisory firm serving individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and small businesses. The firm focuses on personalized financial planning and discretionary investment management, using a strategic asset allocation approach with primarily no-load and low-load mutual funds and ETFs.

Angela Hall is a CFP® with 17 years of industry experience. She is currently with Note Advisors, LLC and has held prior roles at GCW Capital, Sterling Investment Counsel, LPL Financial, Jensen Marks Langer and Vance, Sii Investments, and Morgan Stanley. Outside of her advisory work, she is an Independent Insurance Agent specializing in various life and health insurance products. Note Advisors serves individuals, families, trusts, charitable organizations, pensions, and corporations, with a focus on high-net-worth households. The firm emphasizes a financial planning-driven approach and offers in-house tax preparation, wealth coaching, estate-planning assistance, and discretionary asset management.

John Gullo is a financial advisor at Sanderson Wealth Management, LLC in Buffalo, NY. He holds the CFP® designation along with Series 63 and 65 licenses and has five years of industry experience. Gullo has been with Sanderson Wealth Management since 2007, totaling 19 years of tenure at the firm. Sanderson Wealth Management provides comprehensive financial planning, investment consulting, and portfolio management services to individuals, retirement plans, trusts, estates, charitable organizations, and corporate clients. The firm’s investment approach emphasizes asset allocation, manager due diligence, and ongoing monitoring, typically using mutual funds and ETFs to maintain liquidity and transparency.

Thomas Baker Jr. is an advisor at Sandhill Investment Management with six years of industry experience and holds Series 63 and Series 65 licenses. He has been with Sandhill Investment Management for ten years. Sandhill Investment Management serves individual, high-net-worth, institutional, and retirement-plan clients, offering portfolio management, sub-advisory services, and model portfolios. The firm focuses on fundamental, bottom-up research and employs a long-term, buy-and-hold investment approach across diversified asset strategies.

Michael Becht is a financial advisor at Silver Grove Advisory Services with 29 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses and previously worked at NEXT Financial Group for 20 years and Merrill for two years. Silver Grove Advisory Services provides investment management, financial planning, and retirement plan consulting to individuals, high-net-worth clients, trusts, estates, and businesses. The firm manages approximately $453.6 million in client assets and employs a long-term oriented, diversified investment approach using mutual funds, ETFs, individual securities, and multiple delivery models including direct discretionary management and advisor-sponsored platforms.

Matthew Hayes is a CFP® with seven years of experience in the financial industry. He is currently affiliated with Moldenhauer & Associates, where he has worked for four years, and previously held roles at Commonwealth Financial Network, Equitable Advisors, and TRG Capital Management. Outside of advisory work, he spends part of his time engaged in fixed insurance sales. Moldenhauer & Associates provides financial planning and asset management services to individual investors, retirement plans, charitable organizations, and businesses. The firm offers discretionary portfolio management and fee-for-service consulting, utilizing a platform relationship with Commonwealth to implement portfolios through advisor-managed and model-based wrap programs.

Gregory Kozerski Sr. is a Certified Financial Planner® with 28 years of industry experience. He has been with Waterford Advisors, LLC since 2001 and has professional experience as a CPA dating back to 1987. In addition to his advisory role, he prepares income tax returns for clients annually during tax season and sells various insurance products, including term life and disability insurance. Waterford Advisors is a fee-based, SEC-registered advisory team serving individuals, pension and profit-sharing plans, trusts, and estates. The firm provides discretionary portfolio management, comprehensive financial planning, and retirement-plan consulting, managing approximately $399 million in assets using diversified asset-allocation models and ongoing account reviews.