Samuel Terrazzino is a CFP®-credentialed financial advisor with 29 years of industry experience. He is currently with Equity Services, Inc. and National Life Group, having previously worked at MassMutual and MSI Financial Services. Outside of his advisory roles, Terrazzino owns and operates Childress Performance Center, a gym and fitness business. Equity Services, Inc., operating as ESI Financial Advisors, offers financial planning, consulting, and asset management services to individuals and institutional clients. The firm uses multiple advisory platforms and third-party asset managers, combining long-term investment strategies with options for shorter-term trading.

Patrick McMahon is a CFP® with 31 years of industry experience, currently serving at Private Advisor Group, LLC since 2013. He has prior experience with LPL Financial and First Allied Advisory Services. Outside of his advisory role, he is involved with Independent Planner LLC, focusing on investment and non-variable insurance activities. 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 a variety of advisory programs. The firm’s fiduciary advisory model combines client goal assessment with both portfolio management and manager selection, utilizing technology platforms and a range of investment strategies.

Kathleen Flynn is a financial advisor with Eagle Strategies (NY Life) based in Getzville, NY. She holds Series 65 and Series 66 licenses and has 17 years of industry experience. Her work history includes roles at Clarity Group, Inc., Longevity Financial, and New York Life Insurance Company. Flynn serves as a board member for Town Square for Aging, a nonprofit focused on the needs of the aging population in Western New York, and is involved with the Center for Entrepreneurial Leadership Alumni Association. Eagle Strategies serves a diverse client base, including individual investors, institutional clients, and retirement plans, providing financial planning, investment management, and advisory services. The firm emphasizes tailored solutions through multiple program types and manages a majority of its assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Mary Sillitto is a financial advisor at HSBC Securities (USA) Inc. with 25 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at M&T Bank for over three decades before joining HSBC in 2021. HSBC Securities (USA) Inc. offers a range of managed account programs for individuals, retirement accounts, charitable organizations, and corporations, including client-directed, discretionary, and wrap-style portfolio options. The firm employs a structured investment process with defined risk profiles and combines strategic and tactical asset allocation supported by multiple affiliated and third-party providers.

John Zachowicz is a financial advisor at HSBC Securities (USA) Inc. with 29 years of industry experience. He has held his current role at HSBC Securities since 2010. Zachowicz holds the Series 63, Series 65, and Series 66 designations. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations through various client-directed and discretionary options. The firm’s investment approach combines strategic and tactical asset allocation with ongoing fund due diligence and monitoring, serving clients with both non-discretionary and fully discretionary portfolios.

William Tepas is a financial advisor with Lincoln Investment in Amherst, NY, holding a Series 63 designation and 44 years of industry experience. He has worked at Lincoln Investment since 2017, following eight years at Legend Advisory Corporation and 23 years at Legend Equities Corporation. Lincoln Investment Planning, LLC is an enterprise investment advisory and broker-dealer serving a diverse clientele, including individual and high-net-worth investors, trusts, charities, and retirement plans. The firm provides financial planning, portfolio management, and access to third-party managers, supported by an in-house Investment Management & Research team that develops strategic model portfolios and dynamic strategies.

Kyle Smith is a financial advisor with Key Investment Services LLC, holding Series 63 and Series 66 licenses and seven years of industry experience. He previously worked at KeyBank and has run a precious metals refining business as CEO since 2024. Key Investment Services LLC is an SEC-registered investment adviser that provides portfolio management and model-based advisory products to individuals, trusts, estates, small businesses, and institutional clients through a network of financial professionals. The firm employs a multi-provider model incorporating both in-house and third-party strategist portfolios, with custodial and trade execution services provided by Pershing.

Ryan Flore is a financial advisor with Principal Financial Services, holding Series 63 and Series 65 credentials and eight years of industry experience. His prior work includes roles at Equitable Advisors and Principal Securities Inc. Outside of his advisory work, he serves as a board member for Art Services Inc. and co-owns a members-only boat club in Western New York. Principal Securities provides brokerage and advisory services to a wide range of clients, including individuals, 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 investment and promoter arrangements.

Stella Fey is a financial advisor with Guardian Life in Buffalo, NY, holding Series 63 and 66 licenses and bringing 20 years of industry experience. She has been with Guardian Life since 2011. Outside of her advisory role, she participates in a university-led study focused on providing SNAP education to low-income households. Guardian Life, operating through Park Avenue® Wealth Management, offers brokerage and advisory services to individuals, corporations, retirement plan sponsors, and charitable organizations. The firm combines advisor-led discretionary management with model-based strategies and provides access to proprietary programs, third-party advisory solutions, and a range of financial planning and consulting services.

Gary Witten is a financial advisor with VOYA Financial Advisors, Inc. He holds the CFP® and ChFC® designations and has 39 years of industry experience. Prior to joining VOYA in 2014, he has worked with Integrity Financial Services since 2011 and L & M Financial Services since 1995. Witten also owns and operates an independent insurance agency providing fixed insurance products and financial services. VOYA Financial Advisors, Inc. is an enterprise-scale brokerage and advisory firm serving individuals, pension and profit-sharing plans, charitable organizations, and corporate clients. The firm offers financial planning, portfolio management, unified managed accounts, and retirement-plan advisory services through a broad network of advisers, using a combination of in-house and third-party strategies with both discretionary and non-discretionary management options.

Michael Falitico is a Series 66-licensed financial advisor with Valic Financial Advisors, based in Williamsville, NY, and has three years of industry experience. He has been affiliated with Valic Financial Advisors and Agia since 2023, where he also serves as an agent for non-securities insurance products. Prior to this, his work history includes roles at Strategic Financial Solutions and Buffalo Bills among others. Valic Financial Advisors serves primarily U.S. individuals, including high net worth clients and employer-sponsored retirement participants. The firm offers portfolio management, financial planning, and discretionary unified managed accounts through a large network of advisors, leveraging technology and model solutions to serve a broad client base.

Bradley Golding is a Series 66-licensed financial advisor with HSBC Securities (USA) Inc. in Buffalo, NY, where he has worked since 2009. He has 19 years of industry experience, including a year at Equitable Advisors prior to joining HSBC. HSBC Securities offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations through multiple program types ranging from client-directed to fully discretionary portfolios. The firm’s investment approach incorporates model risk profiles and combines strategic and tactical asset allocation with ongoing fund due diligence and monitoring.

Christopher Dann is a financial advisor with HSBC Securities (USA) Inc. and holds Series 63 and Series 66 licenses. He has 35 years of industry experience and has been with HSBC Bank USA, N.A. and HSBC Securities (USA) Inc. for 10 years. In addition to his advisory role, he serves as a bank officer for HSBC Bank (USA) N.A., where he is involved in the sale of bank-related products and services. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations through various client-directed and discretionary program types. The firm’s investment approach incorporates strategic and tactical asset allocation supported by HSBC Global Asset Management, with an emphasis on both non-discretionary and discretionary portfolios.

Thomas Abramson is a financial advisor with Key Investment Services LLC in Cheektowaga, NY, holding Series 63 and Series 66 credentials and 22 years of industry experience. His prior roles include positions at HNP Capital LLC, Five Star Bank, and LPL Financial, LLC. 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 plans through a broad network of financial professionals. The firm utilizes a multi-provider model combining discretionary implementation and strategist portfolios, with integration across KeyCorp affiliates for additional financial services.

Jeffrey Converse Jr. is a financial advisor with HSBC Securities (USA) Inc. in Buffalo, NY, holding Series 63 and Series 65 designations and 15 years of industry experience. He has been with HSBC Securities since 2014 and has also worked with HSBC Bank USA, N.A. since 2013. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations, offering both client-directed and fully discretionary investment options. The firm uses a combination of strategic and tactical asset allocation across five risk profiles and incorporates due diligence from affiliated and third-party providers to manage its diverse program offerings.

Richard Swanson is an investment advisor representative with Kestra Advisory, holding Series 63 and Series 66 designations and over 40 years of industry experience. His career includes extensive tenure at Morgan Stanley and Merrill prior to joining Kestra in 2015. He also serves as a Regional Director for the P&A Group, focusing on corporate retirement plans and individual financial services. Kestra Advisory Services provides investment advisory and retirement-plan consulting to institutional and individual clients, offering services such as fiduciary consulting, plan-level investment advice, and employee education. The firm manages approximately $79.8 billion in assets and serves a diverse client base including large institutional investors and sovereign wealth funds.

Christian Alaimo is a financial advisor with Key Investment Services LLC holding Series 66 and Series 63 licenses and two years of industry experience. He previously worked at Bank of America N.A., Merrill, and KeyBank. Key Investment Services LLC provides portfolio management and model-based advisory services to individuals, trusts, estates, small businesses, and institutional plan clients through a financial professional network. The firm utilizes a multi-provider platform with discretionary and non-discretionary models, integrating services from KeyCorp affiliates and offering wrap-fee programs with custodial, trading, and insurance products.

Mario Albert is a financial advisor with Hightower Advisors in Williamsville, NY. He holds Series 65 and Series 66 licenses and has two years of advisory experience. Prior to joining Hightower, he spent 14 years at Independent Health. Hightower Advisors provides investment advisory and planning services to a diverse range of individual and institutional clients. The firm emphasizes manager selection and multi-manager solutions, offering discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting through its network of Advisor Practices.

Patrick Norris II is a CFP® professional with 35 years of experience in the financial industry, currently serving with HSBC Securities (USA) Inc. and HSBC Bank USA, N.A. He has been with HSBC Securities since 2013 and holds dual roles as a registered representative and bank officer, engaging in the sale of bank-related products and services. HSBC Securities (USA) Inc. offers managed account programs tailored to individuals, retirement accounts, charitable organizations, and corporations through various discretionary and non-discretionary portfolios. The firm’s investment process combines strategic and tactical asset allocation developed with HSBC Global Asset Management, with a notable emphasis on client-directed, non-discretionary portfolios.

Douglas Washburn is a financial advisor with Private Advisor Group, LLC and holds Series 63 and Series 65 licenses. He has 33 years of industry experience, including prior roles at LPL Financial and First Allied Advisory Services. Private Advisor Group serves individuals, trusts, charitable organizations, businesses, and retirement plans by providing portfolio management, financial planning, retirement plan consulting, and access to various advisory programs. The firm employs a fiduciary-based model, utilizing both proprietary and third-party strategies, technology platforms, and a range of investment methods.