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 Series 66–licensed financial advisor with three years of industry experience. She is currently with Key Investment Services LLC and previously worked at Park Avenue Securities, Guardian Life Insurance Company, and Alliance Advisory Group. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through various advisory programs and investment products. The firm emphasizes client-directed model selection and ongoing monitoring, while providing access to third-party discretionary managers and supervisory oversight across its programs.

Jason Danheiser is a financial advisor with Key Investment Services LLC, holding Series 63 and Series 66 licenses and possessing 13 years of industry experience. His prior work includes roles at Key Bank, 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 a variety of advisory programs, model portfolios, and managed accounts. The firm emphasizes client-directed model selection and ongoing oversight, operating within the KeyCorp group alongside affiliated banking and capital markets entities.

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 has held roles at Key Investment Services LLC and KeyBank since 2016. Barth holds Series 63 and Series 65 licenses. 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-directed model selection supported by advisory recommendations and ongoing monitoring, and it operates within the KeyCorp group with connections to KeyBank and KeyBanc Capital Markets.

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.

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 with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Key Investment Services and Key Bank since 2017. Outside of his financial advisory role, he serves as a reserve deputy sheriff with the Erie County Sheriff Department. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through wrap-fee advisory programs, model portfolios, and managed accounts. The firm emphasizes client-directed investment decisions supported by non-binding recommendations and ongoing monitoring, while also providing access to third-party discretionary managers and supervisory oversight.

David Gelia is a financial advisor with Principal Financial Services, holding a Series 63 designation and 37 years of industry experience. His prior work includes roles at LPL Financial, Cadaret, Grant & Co., Cambridge Investment Research, Guardian Life Insurance Company, 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 plan consulting, and access to third-party money manager solutions.

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.

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.

Bennett Gagliano is a financial advisor with Kestra Advisory who holds extensive industry experience spanning 45 years. Prior to joining Kestra in 2021, he spent two decades at Cadaret, Grant & Co., Inc. and G & C Pension Services LLC. Outside of his advisory role, he serves as president of Bennett A Gagliano Inc., focusing on the design and sale of benefit plans, and manages multiple third-party administration firms related to retirement plan services. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a broad range of institutional and individual clients. The firm offers services including plan design, fiduciary consulting, investment advice, and employee education, serving large institutional investors with assets under management of approximately $79.8 billion.

Michael Williams Jr. is a financial advisor at Valic Financial Advisors with 10 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Valic Financial Advisors since 2017, with prior experience at Pruco Securities LLC. Williams is also involved in offering non-securities insurance products through a separate business activity. Valic Financial Advisors is an SEC-registered investment adviser and FINRA-member broker-dealer serving primarily U.S. individuals, including high net worth and ultra-high net worth clients, as well as employer-sponsored retirement participants. The firm provides wrap programs, portfolio management, and financial planning services using discretionary unified managed accounts and centralized technology solutions.