Ryan Deppas is a financial advisor at Lincoln Investment with 11 years of industry experience. He holds a Series 63 designation and has been with Lincoln Investment since 2017, following two years at Legend Equities Corporation. He is also involved in educating and selling Medicare Advantage and Supplemental plans. Lincoln Investment serves individuals, including high-net-worth clients, charitable organizations, businesses, and employer-sponsored retirement plans, with a particular focus on educators and 403(b)/457(b) participants. The firm offers a range of financial planning and retirement plan advisory services, managing both in-house and third-party strategies through investment models that employ strategic and tactical approaches.

Joseph Mitchell is a financial advisor with Key Investment Services LLC, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. He has been with Key Investment Services since 2012. 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 provides access to third-party discretionary managers, with ongoing monitoring and supervisory oversight integrated into its offerings.

John Russo is a financial advisor with United Planners Financial Services of America, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. His career includes roles at LPL Financial, Invest Financial Corporation, and SCF Securities, among others. In addition to his advisory work, he is involved in tax preparation and accounting services through Financial Planning Advisors. United Planners Financial Services serves a diverse client base, including individuals, corporations, charitable organizations, retirement plans, and institutional clients. The firm operates an open-architecture platform with multiple custodians and third-party money managers, offering both fee-based and commission-based solutions through a network of 477 independent advisors.

Stephen Constantine is a financial advisor with Primerica Advisors in Buffalo, NY, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. He has worked with Primerica Advisors since 2011 and has been involved with Guardian Life Insurance Co of America and Alliance Advisory Group for over a decade. Outside of his advisory work, he has owned and operated the Bada Bing Bar & Grill for 20 years. Primerica Advisors serves a broad retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers both brokerage and advisory services, utilizing proprietary and third-party investment strategies across various account types and supports lending solutions and donor-advised funds.

Nicholas Chiera is a financial advisor with Primerica Advisors based in Buffalo, NY, holding a Series 66 designation and three years of industry experience. He has worked at Park Avenue Securities, LLC and Guardian Life Insurance Co of America since 2021. Outside of his advisory role, he provides financial education and wellness presentations as an independent contractor. Park Avenue Securities LLC serves a broad retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers a range of brokerage and advisory services, utilizing proprietary and third-party investment strategies across various account types and supports lending solutions and donor-advised funds.

Jacob Van Housen is a financial advisor with Key Investment Services LLC holding a Series 66 designation and one year of industry experience. His prior work includes roles at Principal Financial Services and KeyBank. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through various advisory programs and investment products, emphasizing client-directed investment selection supported by firm monitoring and due diligence.

Emily Repka is a financial advisor at Citizens Securities, Inc. in Amherst, NY, holding a Series 66 designation and beginning her advisory career in 2026. She has prior experience at Citizens Bank, where she worked from 2015 to the present. Citizens Securities serves a diverse retail client base, including individual and high-net-worth investors and retirement plans, offering investment advisory programs alongside brokerage and insurance services. Its advisory options include a digital advisory program managed with SigFig and a Managed Account program, operating under the ownership of Citizens Bank, N.A.

Douglas Littlewood is a financial advisor with Hightower Advisors in Williamsville, NY, holding Series 63 and Series 65 registrations and possessing 51 years of industry experience. He has been with Hightower Advisors since 2017 and previously worked at Wells Fargo Advisors Financial Network. Hightower Advisors provides investment advisory and planning services to a wide range of individual and institutional clients, utilizing a multi-manager approach that includes affiliated and third-party managers, proprietary research, and diverse investment vehicles. The firm also manages complex mandates with an emphasis on operational support and international exposure.

Jeffery Karas is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and 22 years of industry experience. He has been with Commonwealth since 2013 and also operates New Harbor Financial Management, which he has been affiliated with since 2007. Karas is the sole owner of New Harbor Group, Inc., a private securities business. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their clients, providing a range of advisory programs and services including wealth management, retirement plan consulting, and access to third-party asset managers. The firm supports advisors with operations, trading, technology, investment management, compliance, and practice-management resources.

Brett Whitty is a financial advisor at HSBC Securities (USA) Inc. in Buffalo, NY, holding Series 66 and Series 63 licenses with three years of industry experience. His prior roles include positions at Pruco Securities, LLC, Prudential Insurance Company of America, and BNY Mellon. HSBC Securities (USA) Inc. offers managed account programs for individuals, retirement accounts, charitable organizations, and corporations, utilizing a range of client-directed and discretionary portfolios supported by global asset management and fund selection resources.

Jonathan Berube is a financial advisor with Primerica Advisors who holds Series 63 and Series 65 licenses and has 36 years of industry experience. He previously worked at UBS Financial Services from 2001 to 2019 and has been with Park Avenue Securities, LLC and Guardian Life Insurance Co of America since 2020. Outside of his advisory role, he manages Derbyshire LLC, a family succession entity. Park Avenue Securities LLC serves a broad retail client base including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers both brokerage and fee-based advisory services, employing a mix of proprietary and third-party investment strategies across various account types.

Daniel Sperrazza is a Series 65 licensed advisor with Hightower Advisors in Buffalo, NY, where he has worked since 2017. He has nine years of industry experience and is also the managing partner of LakeWater Capital LLC, an SEC-registered investment advisory firm. Hightower Advisors provides investment advisory and planning services to a diverse range of individual and institutional clients, employing a multi-manager approach that includes affiliated and third-party managers, proprietary research, and customized portfolio construction strategies.

Mark Clarke II is a financial advisor with T. Rowe Price Advisory Services, Inc., holding a Series 66 designation and 11 years of industry experience. He has been with T. Rowe Price since 2013. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and investment management for individual investors and households, combining nondiscretionary goals-based planning with discretionary portfolio management using proprietary mutual funds and ETFs.

Ricardo Espejo is a financial advisor with HSBC Securities (USA) Inc. based in Buffalo, NY, holding Series 66 and Series 63 licenses and bringing 14 years of industry experience. He has been with HSBC Securities since 2015 and also serves as a Bank Officer for HSBC Bank (USA) N.A., an affiliate of his firm, where he engages in the sale of bank-related products alongside his advisory role. HSBC Securities (USA) Inc. offers managed account programs for individuals, retirement accounts, charitable organizations, and corporations, providing both client-directed and fully discretionary investment options. The firm employs a multi-profile investment process supported by HSBC Global Asset Management and affiliated providers, distinguishing itself with a range of program types including an Offshore Spectrum program for non-resident aliens.

Diana Lougen is a financial advisor with Private Advisor Group, LLC, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. Her career includes roles at M&T Securities and LPL Financial prior to joining Private Advisor Group in 2017. Private Advisor Group, LLC is an SEC-registered advisory 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, financial planning, and consulting services through both proprietary and third-party asset management programs.

Kevin Roche is a financial advisor with Key Investment Services LLC, holding Series 63 and Series 66 credentials and 15 years of industry experience. He previously worked at Key Bank NA for seven years before joining Key Investment Services in 2015. Outside of his advisory role, Roche serves on the board of Amherst Youth Basketball, where he is also a coordinator and head coach for multiple girls’ age groups. Key Investment Services LLC provides a range of advisory programs and investment solutions to individuals, trusts, estates, small businesses, and corporate clients. The firm emphasizes client-directed model selection and ongoing portfolio monitoring while offering access to third-party discretionary managers and operates within the KeyCorp group, working closely with affiliate entities across banking and capital markets.

Dominic Pellicano is a financial advisor with Principal Financial Services based in Amherst, NY. He holds a Series 63 designation and has 32 years of industry experience. His work history includes roles at Principal Securities Inc., Wealth Management Services LLC, and Principal Life Insurance Company. Outside of his advisory work, he serves on the board of directors for the Buffalo Launch Club and is a co-owner of an LLC established to support a family member's flower business. 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 financial planning, direct advisory programs, retirement plan consulting, and access to third-party money manager solutions through various advisory and promoter arrangements.

Ryan Laschinger is a financial advisor at HSBC Securities (USA) Inc. with one year of industry experience. He holds the Series 66 designation and previously worked at Equitable Advisors, LLC and Hunt Real Estate. Outside of his advisory role, he has experience working in the fitness industry at Crunch Fitness, providing customer service and training new employees. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations. The firm’s investment approach includes a range of client-directed and discretionary programs, using strategic and tactical asset allocation supported by global asset management and fund due diligence.

Anthony Van Dette is a financial advisor at Transamerica Retirement Advisors, LLC with eight years of industry experience. He holds Series 63 and Series 65 licenses and has held various roles within Transamerica and Citizens Bank entities since 2015. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners by providing managed advice and investment education focused on asset allocation, contribution rates, and retirement age guidance. The firm relies on Morningstar Investment Management for portfolio construction and oversight and operates with a large client base primarily utilizing non-discretionary investment programs.

Edmund Haspett is a financial advisor with HSBC Securities (USA) Inc. in Buffalo, NY, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. He has worked with HSBC entities since 2008 and was previously with TIAA-CREF from 2022 to 2025. In addition to his advisory role, he serves as a Bank Officer for HSBC Bank (USA) N.A., an affiliate of HSBC Securities, engaging in the sale of bank-related products and services. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations through various client-directed and discretionary program types. The firm’s investment approach combines strategic and tactical asset allocation supported by affiliated global asset management and fund due diligence providers, with an emphasis on client-directed, non-discretionary portfolios.