Michael Palumbo is a financial advisor with HSBC Securities (USA) Inc. in Buffalo, NY, holding Series 63 and Series 66 registrations and having 10 years of industry experience. Prior to joining HSBC in 2021, he worked at M&T Securities from 2015 to 2021. Palumbo serves on the Board of Directors and is a club officer for the Buffalo Canoe Club. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations. The firm utilizes a combination of strategic and tactical asset-allocation advice across programs that range from client-directed to fully discretionary management.

Craig Foster is a financial advisor with HSBC Securities (USA) Inc. and HSBC Bank USA, N.A. in Buffalo, NY, holding Series 63 and Series 66 licenses with 24 years of industry experience. He serves as vice president and director of golf tournament for the Mathew Foster Foundation, a charity assisting families of children with cancer, and is president of Rombus Internet Marketing, Inc. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations, offering both client-directed and discretionary investment options supported by strategic and tactical asset-allocation advice from HSBC Global Asset Management and affiliated providers.

Robert Stevens is a financial advisor at Key Investment Services LLC with 32 years of industry experience. He has held his current position at Key Investment Services since 2005. Stevens holds the Series 63 and Series 65 designations. Key Investment Services LLC provides advisory services to individuals, trusts, estates, small businesses, and corporate clients through various wrap-fee programs, model portfolios, and separately managed accounts. The firm emphasizes client-directed investment decisions supported by non-binding professional recommendations and ongoing monitoring, operating within the KeyCorp group with affiliations that include KeyBank and KeyBanc Capital Markets.

Tyler Guarasci is a financial advisor with Key Investment Services LLC, holding Series 63 and Series 66 designations and eight years of industry experience. His prior roles include positions at LPL Financial, Northwest Bank, and Massachusetts Mutual Life Insurance Company. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through wrap-fee advisory programs, model portfolios, separately managed accounts, and brokerage and insurance products. The firm emphasizes client-directed model selection supported by ongoing monitoring and due diligence, operating within the KeyCorp group with affiliations to KeyBank and KeyBanc Capital Markets.

Erik Gorenflo is a financial advisor with Principal Financial Services and holds a Series 66 designation. He has eight years of industry experience and has worked at firms including Royal Alliance Associates, Cambridge Investment Research Advisors, and Custom Wealth Management. Prior to his financial services career, he was employed at Dick's Sporting Goods and Le Moyne 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 financial planning, retirement consulting, and access to third-party money manager programs through various advisory and promoter arrangements.

Christopher Alderson is a CFP® professional with 22 years of industry experience. He is currently affiliated with Eagle Strategies (NY Life) and has held roles with NYLIFE Securities LLC, ROI Financial Group, and Massachusetts Mutual Life. Outside of his advisory work, Alderson is involved in insurance brokering and property and casualty sales through his agency, Alderson & Gersitz Agency, Inc. Eagle Strategies serves a diverse client base including individual investors, defined contribution and defined benefit plans, and charitable and corporate clients. The firm offers financial planning, investment management, and retirement-plan advisory services, emphasizing tailored solutions delivered primarily through non-discretionary advisory relationships.

Nicholas Ruggirello is a financial advisor with Eagle Strategies (NY Life) based in Williamsville, NY, holding Series 63 and Series 66 credentials and with 15 years of industry experience. He has worked with several firms including Stoll And Weller Insurance Services and Financial Group, Earmark Legacy Partners, NYLIFE Securities LLC, and New York Life Insurance Co. Ruggirello is also involved in insurance brokering under his own DBA, Earmark Legacy Partners. Eagle Strategies serves a diverse client base including individuals, institutions, and retirement plans, providing financial planning, investment management, and advisory services. The firm emphasizes tailored advice delivered through multiple program types with a significant portion of its assets managed on a non-discretionary basis.

Angelo Ciccarelli is a financial advisor at Key Investment Services LLC with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Key Investment Services since 2012. Outside of his advisory role, Ciccarelli serves as an At-Large Director for the Western New York Hockey Officials Association, where he helps assign referees to local youth ice hockey games. 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 investment decisions supported by non-binding recommendations, ongoing monitoring, and due diligence on third-party advisory products, operating as part of the KeyCorp group with close affiliations to KeyBank and KeyBanc Capital Markets.

Kevin Dorr is a financial advisor with Key Investment Services LLC in Williamsville, NY, holding Series 63 and Series 66 credentials and 14 years of industry experience. He has worked at KeyBank since 2016, including his current role since 2019. Outside of his advisory work, he is the managing member of CASA DE MAMI LLC, a family-owned residential rental property. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through various advisory programs and managed accounts, emphasizing client-directed investment decisions supported by non-binding recommendations and ongoing monitoring. The firm operates within the KeyCorp group and provides access to third-party discretionary managers along with supervisory oversight and periodic rebalancing.

Jean Prawel is a financial advisor with Independent Financial Partners, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. His career includes roles at Mcdonald Investments Inc. and Key Investments Services LLC, both spanning over two decades. Independent Financial Partners offers investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent advisers. The firm supports a multi-advisor platform with over 260 advisors managing more than $12.5 billion in assets and is noted for its specialized retirement-plan advisory and pension consulting capabilities.

Zachary Schifferle is a financial advisor with HSBC Securities (USA) Inc. in Buffalo, NY, holding Series 63 and Series 66 credentials and 12 years of industry experience. His prior roles include positions at Cadaret Grant & Co., Inc. and M&T Securities. He has worked at HSBC Securities and HSBC Bank USA, N.A. since 2022. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations through various program types, including client-directed and fully discretionary options. The firm’s investment approach involves multiple risk profiles and utilizes strategic and tactical asset allocation combined with fund due diligence by affiliated specialists.

Richard Massaro Jr. is a financial advisor with Key Investment Services LLC, holding a Series 66 designation and bringing 24 years of industry experience. He has been with Key Investment Services since 2016. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through various wrap-fee advisory programs, model portfolios, and managed accounts. The firm emphasizes client direction in model strategy selection while providing ongoing monitoring and due diligence of third-party advisory products.

Jeanne Holmes is a financial advisor with HSBC Securities (USA) Inc. in Buffalo, NY, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. She has been with HSBC in various capacities since 2016 and concurrently serves as a Bank Officer for HSBC Bank (USA) N.A., an affiliate of her securities firm, 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, featuring both client-directed and discretionary investment options. The firm’s process integrates strategic and tactical asset allocation with due diligence from affiliated global asset management teams and provides services through both domestic and offshore platforms.

Benjamin Kopp is a financial advisor with Principal Financial Services, holding Series 63 and Series 65 licenses and nine years of industry experience. His prior roles include positions at Principal Securities Inc, Principal Life Insurance Company, Valic Financial Advisors, MML Investors Services, and Massachusetts Mutual Life Insurance Company. Outside of his advisory work, he is a co-owner of PKM Employee Services LLC, an entity established with partners to facilitate payment to non-registered private staff. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, estates, charitable organizations, corporations, and active-duty U.S. military personnel. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Robert Hamilton is a financial advisor at Key Investment Services LLC with 17 years of industry experience. He holds Series 63 and Series 66 designations. His prior experience includes multiple roles at KeyBank and Key Investment Services LLC dating back to 2016. 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 investment choices and ongoing monitoring, supported by a product due diligence committee and access to third-party discretionary managers.

Sandra Barry is a financial advisor with Private Advisor Group, LLC, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. She has worked with Private Advisor Group since 2015 and has been associated with LPL Financial and Sage Investment Group since 2014 and 2013, respectively. Additionally, she is an insurance agent with Specific Solution, Inc. Private Advisor Group manages over $41 billion for more than 135,000 clients, including individuals, trusts, estates, charitable organizations, and corporate and retirement plans. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to third-party asset managers, utilizing a range of investment strategies and platforms.

Barbara De Corse is a financial advisor with Key Investment Services LLC and holds Series 63 and Series 66 licenses. She has 17 years of industry experience, including over 11 years at Key Investment Services and 37 years with KeyBank. Key Investment Services LLC provides advisory services to individuals, trusts, estates, small businesses, and corporate clients through various wrap‑fee programs, model portfolios, and managed account options. The firm emphasizes client direction in model selection and offers ongoing monitoring and due diligence of third‑party advisory products.

Mark Ziemba II is a Series 66 licensed financial advisor with 15 years of experience, currently serving at Private Advisor Group, LLC and LPL Financial. Based in Buffalo, NY, he has held roles at these firms since 2011. Outside of advisory services, he is involved in managing family-owned real estate holdings and works as an independent agent for fixed insurance products, along with serving as a part-time controller for a local oral surgery practice. 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 portfolio management, financial planning, and access to third-party asset management programs.

Christopher Midecke is a financial advisor with Principal Financial Services, holding a Series 63 designation and 14 years of industry experience. He has been with Principal Securities and Principal Life Insurance Company since 2016. Outside of his financial services role, he coaches a traveling soccer team in Clarence, NY. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, estates, charitable organizations, corporations, and active-duty U.S. military personnel. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions through both advisory and promoter arrangements.

Robert Carlone is a financial advisor with TIAA-CREF in Amherst, NY, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with TIAA-CREF since 2011. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and discretionary managed account programs to individuals often connected through employer retirement plans, as well as trusts, estates, partnerships, corporate entities, and small retirement plans. The firm’s advisory model distinguishes between point-in-time planning and ongoing discretionary management, using both model portfolios and customized portfolios managed under client-approved investment policies.