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.

Derek Malis is a financial advisor with Guardian Life and Park Avenue Securities, holding a Series 63 designation and 12 years of industry experience. He has worked at Park Avenue Securities since 2014 and with Guardian since 2013. Outside of his advisory role, he operates as an independent insurance broker offering insurance products separate from Guardian. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers a combination of advisor-led discretionary management and model-based strategies, along with access to proprietary wrap programs and third-party advisory solutions.

Winthrop Buck is a CFP® professional with 10 years of industry experience, currently serving as an advisor at Private Advisor Group, LLC since 2021. He previously worked at Pratt Collard Buck Advisory Group and Winthrop Financial, Inc. Mr. Buck provides investment advice 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 both discretionary and non-discretionary portfolio management, financial planning, retirement plan consulting, and managed account solutions through proprietary and third-party platforms.

Jeffrey Kney is a financial advisor at Lincoln Investment with 39 years of industry experience. He holds a Series 63 designation and has worked at Lincoln Investment since 2017. Prior to this, he spent 30 years at Legend Equities Corporation and 8 years at Legend Advisory Corporation. He serves as an unpaid board member for the Orchard Park CSD Academy of Finance, advising students interested in business and participating in board activities. Lincoln Investment Planning, LLC is a large enterprise advisory and broker-dealer serving individuals, high-net-worth investors, trusts, charities, and retirement plans, with a history of serving educators and participants in 403(b) and 457(b) programs. The firm offers financial planning, portfolio management, and consulting services supported by an in-house Investment Management & Research team and third-party managers, employing a layered delivery model that includes advisor-led and model portfolio strategies.

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 in Buffalo, NY, holding Series 63 and Series 66 licenses with eight years of industry experience. His career includes roles at Key Investment Services since 2018 and Key Bank since 2017. Outside of his advisory work, he serves as a reserve deputy sheriff with the Erie County Sheriff Department during non-trading hours. Key Investment Services LLC is an SEC-registered investment adviser providing portfolio management and model-based advisory products to individuals, trusts, estates, small businesses, and institutional clients. The firm utilizes a multi-provider platform combining discretionary and non-discretionary management approaches and integrates services from KeyCorp affiliates, including KeyBank and KeyBanc Capital Markets.

David Gelia is a financial advisor with Principal Financial Services, holding a Series 63 designation and over 38 years of industry experience. His prior roles include positions at LPL Financial, Cadaret, Grant & Co., 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 consulting, and access to third-party money managers through various advisory and promoter arrangements.

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.

Debbie Sawma is a financial advisor with Key Investment Services LLC, holding Series 63 and Series 66 licenses and possessing 17 years of industry experience. She has worked at Key Investment Services LLC since 2015 and previously spent 11 years at KeyBank. Outside of finance, she serves as vice president of Sawma's Car Care Inc, an automotive repair business owned by her spouse. Key Investment Services LLC is an SEC-registered investment adviser providing 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 offers multiple wrap-fee programs supported by platform services from Envestnet and portfolio management from internal and third-party strategists.

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 11 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Pruco Securities LLC. In addition to his advisory role, he is engaged in offering non-securities insurance products. Valic Financial Advisors serves primarily U.S. individuals, including high net worth clients and employer-sponsored retirement participants, providing portfolio management, financial planning, and consulting services. The firm manages about $29.2 billion across its network of over 1,200 advisors, utilizing discretionary unified managed accounts and model-based solutions.

Marc Rosenthal is a financial advisor with Eagle Strategies (NY Life) in Williamsville, NY, holding Series 66 and Series 63 designations and 25 years of industry experience. He has been with Eagle Strategies since 2017 and concurrently associated with ROI Financial Group, Nylife Securities Inc., and New York Life Insurance Company since 2001. Outside of his advisory work, he serves as an officer for the Kaleida Health Foundation and as a board member of the Amherst Youth Hockey Association. Eagle Strategies serves a diverse client base, including individuals and institutions, providing financial planning, investment management, and retirement-plan advisory services through a wide network of affiliated representatives. The firm emphasizes tailored recommendations and focuses primarily on non-discretionary assets, with a notable presence in retirement plan consulting and insurance-related advisory services.

Michael Winter is a financial advisor at HSBC Securities (USA) Inc. with 27 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at several firms including Ameriprise, Valic Financial Advisors, Merrill, and HSBC Bank USA, N.A. HSBC Securities (USA) Inc. offers managed account programs to a broad client base including individuals, retirement accounts, charitable organizations, and corporations. The firm’s investment approach combines strategic and tactical asset allocation with global fund due diligence and offers both discretionary and client-directed portfolio options.

Emily Ford is a CFP® with seven years of industry experience, currently an advisor at Hightower Advisors. Her prior roles include positions at Northwestern Mutual Wealth Management Company, ESAS, LLC, and Russell Schwartzbeck. Hightower Advisors provides investment advisory and planning services to a diverse range of individual and institutional clients, utilizing a multi-manager approach that includes affiliated and third-party managers, discretionary and non-discretionary portfolio management, and access to alternative investments and custom indexing strategies.

Matthew Turco is a financial advisor with Eagle Strategies (NY Life) based in Williamsville, NY, holding Series 63 and Series 66 licenses and with 26 years of industry experience. He has worked with firms including New York Life Insurance Co and Nylife Securities LLC since 2007, and currently operates under ROI Financial Group, LLC. Outside of his advisory work, he owns a business selling vintage and antique items on eBay. Eagle Strategies serves individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated advisors. The firm offers a range of program types tailored to client objectives and handles primarily non-discretionary assets, working extensively with retirement investors and institutional plan sponsors.

Daniel Schlein is a financial advisor at Guardian Life with seven years of industry experience. He holds a Series 66 designation and has worked at Park Avenue Securities and Guardian Life Insurance Company since 2017. Outside of his advisory role, he is involved in additional insurance activities unrelated to Guardian Life. Park Avenue Securities LLC, where he practices, is a subsidiary of The Guardian Life Insurance Company of America that provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers a combination of advisor-led discretionary management and model-based strategies, alongside various financial planning and consulting services tailored to client needs.

Seth Hamilton is a financial advisor at Equity Services, Inc. with eight years of industry experience. He holds the Series 66 designation and has previously worked at Cetera Investment Advisers, National Asset Management, and National Life Group. Outside of his advisory role, he is involved in tax preparation through HD Tax Solutions and serves as an agent for fixed insurance products with The Vermont Agency and NPA Financial. Equity Services, Inc., operating as ESI Financial Advisors, provides financial planning, consulting, and asset management to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm combines long-term investment strategies with options for shorter-term trading and specialized instruments, offering multiple advisory platforms and working with various third-party asset managers.