Charles Garlock is a financial advisor at HSBC Securities (USA) Inc. with 10 years of industry experience. He holds a Series 66 designation and has been with HSBC since 2016, following brief tenures at Key Investment Services LLC and First Niagara. HSBC Securities (USA) Inc. offers managed account programs to a diverse client base including individuals, retirement accounts, charitable organizations, and corporations. The firm combines strategic and tactical asset-allocation advice with fund due diligence and ongoing monitoring, delivering both client-directed and discretionary portfolio options.

Benjamin Moloney is a financial advisor with Key Investment Services LLC, holding Series 63 and Series 65 licenses and 15 years of industry experience. He has worked at Key Investment Services since 2022 and previously held roles at HSBC Bank USA and its securities affiliates from 2018 to 2022, as well as at Prestige Asset Distribution. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through a variety of advisory programs, model portfolios, and managed account offerings. The firm emphasizes client direction in model selection and provides ongoing monitoring and due diligence, operating as part of the KeyCorp group with connections to KeyBank and KeyBanc Capital Markets.

Robert Powalski III is a CFP® professional with 14 years of industry experience, currently affiliated with Primerica Advisors since 2011. He also maintains a role with Guardian Life Insurance Co. of America. Outside of his advisory work, Powalski serves as a trustee for the PGA Pathfinder, a charitable organization in western New York. Primerica Advisors operates as part of a larger enterprise serving a diverse retail client base, offering brokerage and advisory services alongside financial and business consulting. The firm employs a range of investment strategies through proprietary and third-party platforms and supports various account-level services, including lending and donor-advised funds.

Edward Harof is a financial advisor with Commonwealth Financial Network in Williamsville, NY, holding Series 63 and Series 66 licenses and 44 years of industry experience. His prior roles include long tenures at Royal Alliance Associates, INC. and Georgetown Capital Group from 1991 to 2019. He is also the owner of Rampart Asset Management Group, LLC, a private entity involved in securities, advisory, and insurance business activities. Commonwealth Financial Network serves a national network of approximately 2,900 affiliated advisors and manages about $212.7 billion in client assets. The firm offers comprehensive adviser support, including managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

William Fahs is a financial advisor with HSBC Securities (USA) Inc. in Buffalo, NY, holding Series 63 and Series 66 licenses and eight years of industry experience. Prior to joining HSBC in 2021, he worked at Key Investment Services, LLC and Key Bank from 2017 to 2021, and was employed by Snorac LLC (Enterprise-Rent-A-Car) from 2013 to 2018. He serves dually as a Bank Officer for HSBC Bank (USA) N.A., an affiliate of HSBC Securities, in addition to his role as a registered representative. HSBC Securities (USA) Inc. provides managed account programs for individuals, retirement accounts, charitable organizations, and corporations through various program types, including client-directed and fully discretionary options. The firm uses a model-driven investment process supported by HSBC Global Asset Management and affiliated providers, offering both U.S. and offshore investment solutions.

Jacob Glofka is a financial advisor with Mass Mutual Investors Services who holds a Series 63 designation and has 32 years of industry experience. He worked at Metlife Securities Inc. from 1993 to 2017 before joining Mass Mutual Investors Services in 2017. Glofka previously owned an LLC that is currently inactive. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars using collaborative, goal-based approaches supported by firm-approved analytical tools.

Jeffrey Gelormini is a financial advisor with OSAIC who holds a Series 63 designation and has 15 years of industry experience. His prior roles include positions at Cetera Investment Services LLC and Foresters Advisory Services LLC. He is the owner of Nova Wealth, an LLC under which he conducts business with OSAIC, and also works as a life insurance agent assisting clients with their insurance needs. OSAIC Wealth, Inc. serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisors. The firm provides integrated brokerage and advisory services, employing asset-allocation tools and third-party platforms to manage portfolios that include a broad range of investment products.

Elroy Goodyear is a CFP® with 25 years of industry experience, currently advising at Cetera since 2022. His prior roles include 13 years at Saxony Securities, Inc. He is also the owner of Goodyear Financial Services, Inc., an expense management business. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, retirement plans, and institutional accounts. The firm offers a range of portfolio management, financial planning, and consulting services through a large network of independent advisors and utilizes multiple program structures and custodial relationships.

Katie Catanzaro is a financial advisor with LPL Financial in Amherst, NY, holding Series 63 and Series 65 credentials and 19 years of industry experience. She has worked at LPL Financial since 2021 and has been with M&T Securities, Inc. since 2015. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and research support from multiple sources.

Blake Dougherty is a Senior Financial Advisor with Merrill Lynch Wealth Management in Williamsville, New York. Since joining the firm in 2015, he has focused on understanding the priorities of individuals, families, and businesses to provide personalized attention and customized investment management strategies. Blake leverages the investment capabilities of Merrill Lynch Wealth Management alongside the banking resources of Bank of America to support clients in addressing various aspects of their financial lives. Blake works closely with clients to identify key goals such as education funding, tax minimization, retirement planning, and wealth preservation. His expertise encompasses corporate benefits, executive compensation, family wealth management, liquidity management, and retirement income strategies, among other areas. His approach involves crafting disciplined strategies aimed at helping clients build, manage, and preserve wealth for current and future generations. Blake earned a Bachelor of Science degree in Finance from Bentley University in Waltham, Massachusetts, where he also played Division I Ice Hockey for four years. He holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Outside of his professional life, Blake enjoys football, golfing, ice hockey, watching movies, and practicing yoga.

Robert Oates is a financial advisor at OSAIC with 37 years of industry experience. He holds a Series 63 designation and previously worked for Securities America Advisors, Inc. and Securities America, Inc. for 19 years. Outside of advisory work, he is president of a fixed insurance products business. OSAIC serves a diverse client base including individual and institutional investors through a large network of affiliated advisors. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools and multiple investment platforms to manage portfolios across various asset classes.

Myles Firey Jr. is a financial advisor at LPL Financial with 32 years of industry experience. He has held prior roles at Cadaret, Grant & Co., Inc. for 18 years and has been involved with Myles R. Firey & Co., Inc. for over three decades, where he currently serves as Vice President. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of representatives. The firm offers a range of advisory programs, financial planning, and brokerage services supported by proprietary and third-party research, with both discretionary and non-discretionary management options.

Jeremy Yolken is a financial advisor at Merrill with 21 years of industry experience. He holds a Series 66 designation and has worked at Bank of America and Merrill since 2015. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Rosemarie May is a financial advisor with LPL Financial in Williamsville, NY, holding a Series 63 designation and over 13 years of industry experience. She has worked at LPL Financial and Evans Bank since 2012 and holds a notary position at Chemung Canal Trust Company. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and brokerage services supported by in-house and third-party research and model portfolios.

Daniel Meyer is a financial advisor at LPL Financial with 12 years of industry experience. He holds the Series 66 designation and previously worked at M&T Securities for eight years before joining LPL Financial in 2021. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning services, and retirement plan consulting, utilizing both discretionary and non-discretionary management approaches alongside model portfolios and research from multiple sources.

Thomas Waters is a financial advisor with Merrill, holding Series 65 and Series 66 credentials and possessing 19 years of industry experience. His prior roles include positions at Karpus Investment Management, Wilmington Trust Investment Advisors, and M&T Securities. Waters serves as the Foundation Board Chair for Community Services for Every1, a nonprofit organization based in Buffalo, NY. Merrill, alongside its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth individuals, pension plans, corporations, and charitable organizations.

Martin Zaklikowski is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing over 35 years of experience in financial and wealth management. Since joining Merrill Lynch in 1995, he has specialized in advanced investment strategies, retirement planning, and estate planning. His approach emphasizes a comprehensive understanding of client needs to develop tailored wealth management strategies. He holds a bachelor's degree in Finance and Political Science from Canisius College and is a CERTIFIED FINANCIAL PLANNER® certificant, a designation granted by the Certified Financial Planner Board of Standards, Inc. Martin is a member of the Financial Planning Association (FPA) and the Certified Financial Planner Board of Standards, Inc., and holds the Personal Investment Advisor (PIA) designation. He has also served on the boards of Hopevale, Inc., St. Francis High School, and the Frontier Community Education Advisory Committee. Outside of his professional work, Martin enjoys gardening, music, and spending time with his wife Rebecca and their two children, Adam and Lauren.

Richard Gibson Jr. is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He previously worked at Securities America Advisors and Securities America Inc. for eight years. Outside of his advisory role, he is involved in insurance sales and service through L&M Group. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and nonprofits. The firm provides integrated brokerage and advisory services utilizing advanced portfolio construction tools, third-party money managers, and various managed account solutions.

Brendan Gawel is a financial advisor at MassMutual Investors Services with a Series 66 designation and three years of industry experience. His prior work includes roles at MassMutual Life Insurance Co., Pruco Securities LLC, and MML Investors Services, LLC. Outside of advising, he serves as a part-time assistant football coach at D'Youville College. MML Investors Services, LLC operates as a subsidiary of MassMutual and provides financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm emphasizes collaborative, annual financial planning using firm-approved analytical tools and offers specialized programs such as divorce planning and estate settlement services.

Laura Cooley is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 21 years of industry experience. She has previously worked at firms including Lawley Retirement Advisors, Cadaret, Grant & Co., and BS&P Wealth Management. Cooley is also involved in providing financial planning and consulting services through Lawley Retirement Advisors, an independent investment advisor firm. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a large national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing discretionary and non-discretionary management supported by research and model portfolios from LPL Research and third-party subadvisors.