Kerrianne Creegan is a financial advisor with HSBC Securities (USA) Inc. in Buffalo, NY, holding Series 63 and Series 65 licenses and having 12 years of industry experience. She has been with HSBC in various capacities since 2016. Outside her advisory role, Creegan works as an independent executive consultant for Rodan + Fields, selling premium skincare products, and also pursues a hobby crafting and selling handmade items with her sister. HSBC Securities (USA) Inc. provides managed account programs for individuals, retirement accounts, charitable organizations, and corporations, offering both client-directed and discretionary portfolio options. The firm’s investment approach includes strategic and tactical asset allocation supported by HSBC Global Asset Management and thorough fund due diligence, serving clients through a range of program types including an Offshore Spectrum program for qualified non-resident aliens.

Thomas Dugan is a financial advisor with Lincoln Investment in Amherst, NY, holding a Series 63 designation and 25 years of industry experience. He has worked at Lincoln Investment since 2017 and previously held roles at Legend Advisory Corporation and Legend Equities Corporation. Lincoln Investment Planning, LLC is a large enterprise advisory and broker-dealer serving individual and high-net-worth investors, trusts, charities, and retirement plans, with a longstanding focus on educators and 403(b) and 457(b) program participants. The firm offers a range of financial planning and portfolio management services supported by an in-house investment management and research team and a network of third-party managers.

Olivia Lyons is a financial advisor with Lincoln Investment in Amherst, NY, holding a Series 66 designation and four years of industry experience. She has worked at several firms, including Capital Analysts and Equitable Advisors. Lyons also serves as an executive assistant in financial services, supporting advisors with administrative and client communications. Lincoln Investment Planning, LLC is an enterprise advisory and broker-dealer serving a diverse client base, including individuals, high-net-worth investors, and retirement plans. The firm offers a range of financial planning and portfolio management services supported by an in-house investment management and research team.

Douglas Castren is a financial advisor with Principal Financial Services, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked at Principal Securities Inc. since 2016 and previously operated Nicastro & Castren Financial Services. Outside of his advisory role, he is involved in insurance and fixed annuities. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individuals, retirement plans, trusts, and corporations. The firm focuses on financial planning, retirement consulting, and access to third-party money manager programs under various advisory and promoter arrangements.

Zachary Hale is a financial advisor with HSBC Securities (USA) Inc. in Buffalo, NY, holding Series 63 and Series 66 credentials and seven years of industry experience. Prior to joining HSBC Securities and HSBC Bank USA, N.A., he worked at Bank of America, Merrill, Brighton Securities, TF Browns, and Allstate Insurance Company. He also had a role outside the financial industry at Billy Jack's Shack. Hale is dual-hatted as a Bank Officer for HSBC Bank (USA) N.A., engaging in the sale of bank-related products alongside his advisory role. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations through various client-directed and discretionary platforms. The firm’s investment process uses multiple risk profiles and combines strategic and tactical asset allocation with ongoing fund due diligence, serving a broad client base via a range of program options including offshore offerings.

Emily Certo is a CFP® professional affiliated with Guardian Life and Park Avenue Securities, with four years of industry experience. She currently serves as Chair of the Ambassador Council for the PUNT Pediatric Cancer Collaborative and is a board member for the Porter Cup golf tournament. 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 combines advisor-led discretionary management with model-based strategies and offers financial planning, subscription-based consulting, and access to proprietary and third-party advisory solutions.

Justin Trybus is a financial advisor at Empower Advisory Group with five years of industry experience. He holds a Series 66 designation and has worked at firms including Pruco Securities, LLC and Prudential Insurance Company of America. Outside of his advisory work, he manages a rental property in Buffalo, NY. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, offering integrated services tied to Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns and annual rebalancing through point-in-time financial plans and optional managed account solutions.

Scott Zeplowitz is a financial advisor with Eagle Strategies (NY Life) based in Williamsville, NY, holding Series 63 and Series 66 designations and having 12 years of industry experience. His career includes roles at Eagle Strategies, ROI Financial Group, NYLife Securities LLC, and New York Life Insurance Co. Outside of his advisory work, he serves as a board member of the Lockport Ice Arena & Sports Complex. Eagle Strategies serves a broad clientele including individual and institutional investors, providing financial planning, investment management, and retirement-plan advisory services. The firm offers multiple advisory program types and emphasizes tailored recommendations, with the majority of assets under management held on a non-discretionary basis.

Richard Fineberg is a financial advisor with Private Advisor Group, LLC, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. His prior work includes roles at LPL Financial LLC, CCO Investment Services Corp, and M&T Securities, Inc. 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 its proprietary WealthSuite platform and alternative investments through CAIS. The firm employs a fiduciary-based advisory model and utilizes multiple investment strategies, often implementing advice through third-party managers and technology platforms.

Joel Morawski is a CFP® professional with 27 years of experience in the financial industry. He currently works at Private Advisor Group, LLC and LPL Financial, roles he has held since 2014. His previous experience includes positions at Cadaret, Grant & Co., Merrill, Banc of America Investment Services, and Quick & Reilly. Outside of his advisory work, Morawski serves as a proctor for risk analysis exams through the Global Association of Risk Professionals and operates a tax preparation and accounting business. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans by providing portfolio management, financial planning, and retirement consulting. The firm offers managed account solutions through proprietary platforms and third-party managers, following a fiduciary-based advisory model.

William Grochala is a financial advisor at Key Investment Services LLC with 12 years of industry experience. He holds the Series 65 and Series 63 designations. His career includes roles at Keybank and Equitable Advisors prior to joining Key Investment Services, where he has worked since 2016. 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. The firm offers multiple wrap fee programs and utilizes a multi-provider model integrating discretionary implementation, strategist portfolios from internal and third-party managers, and oversight through a product due diligence committee.

Tyler Marriott Wells is a financial advisor at Citizens Securities, Inc. with seven years of industry experience. He holds the Series 66 designation and previously worked at Edward Jones and CVS Pharmacy. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and retirement plans, offering investment advisory programs alongside brokerage and insurance services. The firm provides a digital advisory program and a Managed Account program, operating as both a broker-dealer and insurance agency.

Richard Hulburd is a financial advisor with Citizens Securities, Inc. in Buffalo, NY, holding Series 65 and Series 63 licenses and five years of industry experience. His career has been primarily with Citizens Bank and Citizens Securities in various roles since 2014. Outside of his advisory work, Hulburd creates weather and storm chasing content on his YouTube channel, Buffaloweather1. Citizens Securities serves a broad retail client base including individual and high-net-worth investors as well as individual retirement plans, offering investment advisory programs alongside brokerage and insurance services. The firm utilizes proprietary algorithms for its ETF-based digital advisory portfolios and operates as a wholly owned subsidiary of Citizens Bank, N.A.

Jordan Honan is a financial advisor with Key Investment Services LLC holding a Series 66 credential and 18 years of industry experience. His prior work includes roles at HSBC Securities (USA) Inc. and Equitable Advisors. Outside of his advisory role, he serves as a member of the finance committee at St. John Vianney Church and holds a minority interest in a Thoroughbred racehorse. 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. The firm utilizes a multi-provider platform and offers a variety of wrap fee programs with integrations to KeyCorp affiliates for investment services and risk management.

Peter Godios is a financial advisor with Guardian Life in Buffalo, NY, holding a Series 63 designation and 33 years of industry experience. He has been with Guardian Life and its related entities since 2011. Guardian Life, through its subsidiary Park Avenue Securities LLC, serves individuals, corporate and retirement plan sponsors, charitable organizations, and businesses, offering a blend of brokerage and investment advisory services. The firm combines advisor-led discretionary management with model-based strategies and provides access to various proprietary and third-party platforms, alongside integrated lending and alternative investment options.

Cheryl Vallon is a financial advisor with HSBC Securities (USA) Inc. in Buffalo, NY, holding Series 63, 65, and 66 licenses and bringing 22 years of industry experience. She has worked at HSBC Securities since 2010 and with HSBC Technology & Services USA since 2015. HSBC Securities (USA) Inc. provides managed account programs to a diverse client base, including individuals, retirement accounts, charitable organizations, and corporations. The firm offers both client-directed and discretionary investment programs, utilizing model risk profiles and combining strategic and tactical asset allocation developed with HSBC Global Asset Management and affiliated providers.

James Fashano is a Series 63 licensed financial advisor with Guardian Life, where he has worked for 15 years. He has 31 years of experience in the industry. Fashano is a majority owner of Alliance Advisory Group Inc., a non-investment related business. Guardian Life’s Park Avenue® Wealth Management provides brokerage and advisory services to individuals, businesses, and organizations, combining advisor-led discretionary management with model-based strategies and offering access to both proprietary and third-party investment solutions.

Elizabeth House is a financial advisor at Valic Financial Advisors with four years of industry experience. She holds a Series 66 designation and has worked previously at Protective Industries and Agia. Outside of her advisory role, she is also an agent for non-securities insurance products. Valic Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth and ultra-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-developed UMA models for portfolio construction.

Joseph Herrmann is a financial advisor with HSBC Securities (USA) Inc. in Buffalo, NY, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. His career includes roles at MassMutual Life Insurance Company, Gilder Gagnon Howe, City National Rochdale, and Merrill. He serves as an advisory board member for Seton Hall University’s Transformative Leadership Certificate Program, contributing to periodic reviews and program development. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations through client-directed and discretionary options. The firm’s investment process combines strategic and tactical asset allocation with ongoing fund due diligence and management, serving a broad client base with both non-discretionary and discretionary portfolios.

Brian Geary is a CFP® and Series 65-licensed financial advisor with five years of industry experience. He has worked at Hightower Advisors since 2022 and previously spent ten years at Linwood Investment Advisors. Based in Buffalo, NY, he is currently affiliated with Hightower Advisors. Hightower provides investment advisory and planning services to a diverse range of individual and institutional clients, offering discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting. The firm emphasizes manager selection and multi-manager solutions, combining proprietary research and a variety of investment vehicles to serve its clients.