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.

Jackson Tarr is a financial advisor at Citizens Securities, Inc. with four years of industry experience and holds a Series 66 designation. He has worked at Citizens Securities since 2023 and previously held positions at MML Investors Services, LLC, MassMutual Life Insurance Company, and several independent school districts. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans. The firm offers investment advisory programs alongside brokerage and insurance services, including a digital advisory program that uses algorithm-driven ETF portfolio recommendations.

Jacob Van Housen is a financial advisor at Key Investment Services LLC with one year of industry experience. He holds the Series 66 designation and has worked previously with Principal Financial Services and KeyBank. His background also includes roles at the University at Buffalo and various other positions prior to entering the financial services industry. Key Investment Services LLC is an SEC-registered investment adviser and wrap-fee program sponsor serving individuals, trusts, estates, small businesses, and institutional plan clients. The firm offers portfolio management and model-based advisory products through a multi-provider platform, integrating services from affiliated KeyCorp entities and third-party managers.

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 with HSBC Securities (USA) Inc. in Buffalo, NY. He holds Series 63 and Series 66 licenses and has three years of industry experience. Prior to joining HSBC Securities, he worked at Pruco Securities, LLC and Prudential Insurance Company of America. HSBC Securities offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations through a range of client-directed and discretionary investment programs. The firm uses a multi-profile investment process supported by global asset management and conducts ongoing fund due diligence while providing both advisory and brokerage services.

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.

Brian Pirritano is a financial advisor with Citizens Securities, Inc. in Buffalo, NY, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. Prior to joining Citizens Securities in 2025, he worked at HSBC Securities (USA) Inc. from 2016 to 2025. Outside of his advisory role, Pirritano serves as a board member of a local homeowners association, contributing to community upkeep and maintenance. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, offering investment advisory programs alongside brokerage and insurance services. The firm’s advisory offerings include a digital program featuring ETF-based portfolios managed through proprietary algorithms and a Managed Account program.

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 Series 66-credentialed financial advisor with 12 years of industry experience. He has been with T. Rowe Price Advisory Services, Inc. since 2013. T. Rowe Price Advisory Services, Inc. provides a retirement-focused advisory service to individual investors and households, combining nondiscretionary financial planning, retirement income planning, and discretionary investment management. The firm uses model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, employing tax-aware strategies and Monte Carlo simulation-based planning tools.

Ricardo Espejo is a financial advisor with HSBC Securities (USA) Inc. in Buffalo, NY, holding Series 63 and Series 66 licenses and bringing 14 years of industry experience. He has worked with HSBC Securities since 2015 and has been affiliated with HSBC Bank USA, N.A. since 2013, where he also serves as a bank officer involved in the sale of bank-related products and services. HSBC Securities (USA) Inc. provides managed account programs to a diverse client base, including individuals, retirement accounts, charitable organizations, and corporations. The firm offers a variety of program types ranging from client-directed to fully discretionary portfolios and employs a multi-profile investment process supported by HSBC Global Asset Management and affiliated providers.

Diana Lougen is a financial advisor with Private Advisor Group, LLC, based in Williamsville, NY, holding Series 63 and Series 66 credentials and bringing 18 years of industry experience. Her prior experience includes eight years at M & T Securities and concurrent roles at LPL Financial since 2017. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans, offering portfolio management, financial planning, retirement plan consulting, and access to various advisory programs. The firm employs a fiduciary-based advisory model that utilizes both proprietary and third-party investment solutions and technology platforms to implement client strategies.

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 work, he serves as a board member, coordinator, and head coach for a local youth basketball league in Amherst, NY. Key Investment Services LLC is an SEC-registered investment adviser that provides portfolio management and model-based advisory products to individuals, trusts, small businesses, and institutional clients through a network of financial professionals. The firm employs a multi-provider platform combining third-party and in-house portfolio management and offers various wrap-fee programs with custodial services through Pershing.

Dominic Pellicano is a financial advisor with Principal Financial Services, holding a Series 63 designation and 33 years of industry experience. He has worked at Principal Securities Inc. since 2016 and has been involved with Wealth Management Services LLC and Principal Life Insurance Company for over a decade. Outside of his advisory work, he serves on the board of the Buffalo Launch Club, where he participates in monthly financial and operational reviews. 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 manager solutions under multiple arrangement structures.

Ryan Laschinger is a registered representative with HSBC Securities (USA) Inc. and holds a Series 66 credential. He has one year of industry experience and is also dual hatted as a Bank Officer for HSBC Bank (USA) N.A. Outside of his financial career, he has worked in the fitness industry providing customer service at Crunch Fitness. HSBC Securities (USA) Inc. offers managed account programs to a variety of clients including individuals, retirement accounts, charitable organizations, and corporations. The firm provides both client-directed and fully discretionary investment programs, employing a multi-profile investment process with support from affiliated asset management and fund selection services.

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. who holds Series 63 and Series 65 licenses and has 11 years of industry experience. He has worked at HSBC Securities and HSBC Bank USA, N.A. since 2008, with a brief tenure at TIAA-CREF from 2022 to 2025. He also serves as a Bank Officer for HSBC Bank (USA) N.A., engaging in the sale of bank-related products alongside his registered representative role. HSBC Securities (USA) Inc. provides managed account programs for individuals, retirement accounts, charitable organizations, and corporations, offering both client-directed and discretionary investment solutions. The firm employs a model-based investment approach with multiple risk profiles and collaborates with affiliated and third-party providers for advisory and fund selection services.

Colin Pratt is a CFP® professional with five years of industry experience, currently affiliated with Private Advisor Group, LLC. He also provides investment advice through Pratt Collard Advisory Partners LLC, operating under the business name Pratt Collard Buck Advisory Group. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans with discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting. The firm offers managed account solutions including proprietary platforms and third-party investment managers.