James Miller is a CFP® professional at Capital Analysts with 36 years of industry experience. He has held roles at Lincoln Investment since 2017 and previously worked at Legend Advisory Corporation and Legend Equities Corporation from 2004. He also receives insurance commissions from prior business activities. Capital Analysts serves retail and institutional clients, including high-net-worth individuals, trusts, and foundations, offering portfolio management, customized model portfolios, and retirement-plan advice through a network of independent advisors and firm-managed programs. The firm employs both discretionary in-house management and non-discretionary third-party oversight, utilizing a proprietary mutual fund screening process to construct portfolios.

David Constantino is a financial advisor at Capital Analysts with 11 years of industry experience. He holds the Series 66 designation and has worked at Lincoln Investment since 2017, with prior roles at Legend Advisory Corporation and Legend Equities Corporation. Capital Analysts serves a diverse client base including individual and high-net-worth investors, trusts, foundations, businesses, and charitable organizations. The firm provides portfolio management, custom and model portfolios, third-party manager access, and retirement-plan advice through a nationwide network of independent advisors and in-house investment management.

Murray Richardson is a financial advisor with The AmeriFlex Group, holding Series 63 and Series 66 licenses and possessing 16 years of industry experience. He is the owner and president of C.D. Financial, Inc., an S-corporation offering insurance products including life insurance, fixed annuities, and long-term care. Richardson also serves as secretary for Mathewson McCarthy Baseball, a nonprofit organization, and is a board member of the nonprofit Bornhava, where he participates in fundraising initiatives. The AmeriFlex Group is an SEC-registered investment adviser serving individuals, corporations, and retirement plans through a network of advisory affiliates and investment representatives. The firm offers customized portfolio management, financial planning, third-party manager selection, and retirement plan consulting with a variety of wrap and non-wrap solutions.

Cullen Mcgloin is a financial advisor at Principal Advised Services with 19 years of industry experience. He holds the Series 63, Series 65, and Series 66 designations and has been with the Principal Financial Group and its affiliated entities since 2010. Principal Advised Services provides investment advice and related services mainly to retirement plan participants and retail IRA clients. The firm offers both non-discretionary recommendations and a discretionary wrap-fee investment management program, utilizing third-party methodologies and proprietary models supported by its affiliation with Principal Financial Group.

Thomas Dugan is a financial advisor with Capital Analysts and holds a Series 63 designation. He has 25 years of industry experience, including roles at Lincoln Investment, Legend Advisory Corporation, and Legend Equities Corporation. Capital Analysts serves a diverse client base, including individual and high-net-worth investors, trusts, foundations, businesses, and charitable organizations. The firm provides portfolio management, advisor-managed custom and model portfolios, third-party manager access, and retirement-plan advice through a network of independent advisors and firm-managed programs.

Olivia Lyons is a financial advisor at Capital Analysts with four years of industry experience. She holds a Series 66 credential and has previously worked at Lincoln Investment, Equitable Advisors, and Ronald Hicks and Associates. Outside of her advisory role, she serves as an executive assistant in the financial services sector. Capital Analysts serves a diverse client base, including individual and high-net-worth investors, trusts, and institutions, providing portfolio management and retirement-plan advice through a nationwide network of advisors. The firm employs both discretionary and non-discretionary investment approaches, utilizing an in-house Investment Management & Research team and third-party managers.

Nicholas Maloney is a financial advisor at Belpointe Asset Management LLC with 13 years of industry experience. He holds a Series 63 designation and has worked previously at Mass Mutual Investors Services and MSI Financial Services Inc. Outside of advising, he is involved in fixed insurance sales including life insurance and fixed annuities. Belpointe Asset Management is a multi-team registered investment adviser managing over $7.5 billion for several thousand clients. The firm offers discretionary investment management, financial planning, and retirement-plan consulting for individuals, corporations, trusts, and other advisers, utilizing customized portfolios and a range of advisory and sub-advisory relationships.

Joshua Denz is a CFP® and holds a Series 66 license, with three years of industry experience. He has been with Lincoln Investment since 2023 and has prior experience with Canisius College and the University at Buffalo. Outside of his advisory role, he also works as a sales associate assisting senior representatives in financial services. Lincoln Investment Planning, LLC is a large enterprise firm serving individual and high-net-worth investors, trusts, charities, and retirement plans. The firm offers comprehensive financial planning and portfolio management services supported by an in-house Investment Management & Research team and various third-party managers.

Kristin Meyer is a financial advisor with United Planners Financial Services of America and holds Series 63 and Series 65 licenses. She has 18 years of experience in the industry, including prior roles at ATT Financial Group/American Portfolios Financial Services and Nucci Financial. Outside of her advisory work, Meyer is a group fitness instructor and serves on community and civic boards in Niagara County. United Planners Financial Services serves a diverse range of clients, including individuals, corporations, charitable organizations, and institutional investors. The firm operates an open-architecture platform using multiple custodians and third-party money managers, with a focus on largely non-discretionary asset management.

Markus Williams is a financial advisor with Lincoln Investment in Amherst, NY, holding Series 63 and Series 65 credentials and 11 years of industry experience. His prior work includes roles at Key Investment Services, KeyBank, Prudential Insurance Company of America, and Allstate Insurance Company. Outside of financial services, he works as an operations coordinator in logistics. Lincoln Investment Planning, LLC is a large enterprise firm serving a diverse client base, including individual investors, high-net-worth clients, trusts, charities, and retirement plans. The firm combines advisor-led consulting with model portfolio management and employs an in-house Investment Management & Research team alongside third-party managers to provide tailored investment solutions.

Nicholas Pontrello is a financial advisor at Lincoln Investment with a Series 66 designation and one year of industry experience. Prior to his advisory role, he held positions at Perry's Ice Cream Co., Inc., Kenny Enterprises, and several other companies. Nicholas is based in Amherst, NY. Lincoln Investment Planning, LLC is a large enterprise advisory and broker-dealer serving a diverse client base including individuals, high-net-worth investors, trusts, charities, and retirement plans. The firm offers 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 adaptive investment strategies.

Michael Constantino is a Series 63-licensed financial advisor with Lincoln Investment in Amherst, NY, bringing 19 years of industry experience. He has worked at Lincoln Investment since 2017 and previously held roles at Legend Advisory Corporation and Legend Equities Corporation. In addition to his advisory duties, he is involved in marketing, research, and appointment setting as a sales assistant. Lincoln Investment Planning, LLC serves a diverse client base including individuals, high-net-worth investors, trusts, charities, and corporate and ERISA retirement plans, with a particular history of working with educators and 403(b) and 457(b) plan participants. The firm offers a range of financial planning and portfolio management services, supported by an in-house Investment Management & Research team that develops strategic model portfolios and adaptive strategies.

Nicole Smykowski is a financial advisor with HSBC Securities (USA) Inc. in Grand Island, NY, holding a Series 66 designation and 18 years of industry experience. Her prior roles include positions at Trubee, Collins & Co, Inc, LPL Financial, and M&T Securities. Smykowski has spent multiple periods at HSBC entities since 2016. HSBC Securities (USA) Inc. offers managed account programs serving individuals, retirement accounts, charitable organizations, and corporations. The firm provides various client-directed and discretionary investment programs supported by a structured investment process and oversight from affiliated and third-party providers.

Christopher Moribella is a financial advisor with Lincoln Investment in Amherst, NY, holding a Series 63 designation and 40 years of industry experience. He has worked at Lincoln Investment since 2017, following eight years at Legend Advisory Corporation and 31 years at Legend Equities Corporation. Lincoln Investment Planning, LLC is a large enterprise investment advisory and broker-dealer that serves individual and high-net-worth clients, trusts, charities, and retirement plans, with a history of working with educators and 403(b) and 457(b) program participants. The firm offers financial planning, portfolio management, and advisor-led consulting supported by an in-house Investment Management & Research team that develops strategic and adaptive model portfolios.

Lauren Cecchini is a financial advisor at Lincoln Investment with Series 66 and Series 63 credentials and one year of industry experience. Prior to joining Lincoln Investment, she worked at Fidelity Investments and has entrepreneurial experience through businesses such as Automotive Addiction LLC and Salty Detailing. Lincoln Investment Planning, LLC is an enterprise advisory and broker-dealer serving a diverse client base, including individuals, high-net-worth investors, trusts, charities, and retirement plans. The firm offers financial planning, portfolio management, and advisor-led consulting supported by an in-house Investment Management & Research team that develops strategic model portfolios and employs third-party managers as needed.

Kristy Toye is a financial advisor with Key Investment Services LLC, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. She has worked with Key Investment Services and Key Bank NA since 2012. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through various advisory programs and model portfolio offerings. The firm emphasizes client-directed model selection and provides access to third-party discretionary managers, while also offering rebalancing, reporting, and supervisory oversight.

Timothy Keller is a financial advisor with Equity Services, Inc. in Amherst, NY, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 42 years of industry experience with a career that includes roles at National Life Group, Mass Mutual Life Insurance Company, and New York Life. Keller is also a managing director at two firms focusing on the sale and service of fixed insurance products. Equity Services, Inc., operating as ESI Financial Advisors, provides financial planning, consulting, and asset management services to a broad client base including individuals, corporations, trusts, charitable organizations, and employer retirement plans. The firm utilizes multiple advisory platforms and third-party asset managers, combining long-term strategies with options for shorter-term trading and specialized instruments.

Albert Erni Sr. is a financial advisor at Key Investment Services LLC with 25 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Key Investment Services and KeyBank since 2017. Outside of his advisory role, he serves as a board member for Child & Family Services and is involved with a recording studio business that holds copyrights. Key Investment Services LLC provides advisory and brokerage services to individuals, trusts, estates, small businesses, and corporate clients. The firm emphasizes client-directed model selection, offers access to third-party discretionary managers, and operates within the KeyCorp group alongside affiliated banking and capital markets entities.

Gabriel Jewula is a financial advisor at Equity Services, Inc. with one year of industry experience. He holds a Series 66 designation and has previously worked at National Life Group, Equitable Advisors, LLC, and Vision Financial Group. Outside of his advisory roles, he serves as Vice President of R. Jewula Holdings, LLC, a non-investment related business. Equity Services, Inc., doing business as ESI Financial Advisors, provides financial planning, consulting, and asset management services to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms and combines long-term strategies with options for shorter-term trading, utilizing third-party asset managers and model portfolios.

Katrina O'Sullivan is a financial advisor with Key Investment Services LLC, holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. She has been with Key Investment Services since 2011. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through various wrap-fee advisory programs, model portfolios, and separately managed and unified managed accounts. The firm emphasizes client-directed model selection combined with non-binding recommendations and ongoing monitoring, while also providing access to third-party discretionary managers and supervisory oversight.