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.

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.

Stephanie O'dell is a financial advisor with HSBC Securities (USA) Inc. in Silver Creek, NY, holding Series 66 and Series 63 credentials and 19 years of industry experience. She has been with HSBC Securities and its affiliate HSBC Bank USA, N.A. since 2014. HSBC Securities (USA) Inc. offers a range of managed account programs serving individuals, retirement accounts, charitable organizations, and corporations. The firm employs a structured investment process with multiple risk profiles and combines strategic and tactical asset-allocation advice, providing both client-directed and discretionary portfolio management options.

Allen Judkins is a financial advisor with Key Investment Services LLC in Evans, NY. He holds the Series 66 designation and has one year of industry experience. Prior to his current role, his work history includes positions at KeyBank, Bank of America, Merrill, and Citizens Bank. In 2022, he operated a pet supplies business called ZR&J Enterprises. Key Investment Services LLC is an SEC-registered investment adviser that offers portfolio management and model-based advisory products to individuals, trusts, estates, small businesses, and institutional plan clients through a network of financial professionals. The firm provides multiple wrap-fee programs with custodial and trade execution services, leveraging a multi-provider platform and integration with KeyCorp affiliates.

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.

Nicole Macdowell is a financial advisor with HSBC Securities (USA) Inc. and holds Series 63 and Series 66 credentials. She has 11 years of industry experience, including prior roles at LPL Financial, M&T Bank, and Wells Fargo Clearing Services. Macdowell also serves as a Bank Officer for HSBC Bank (USA) N.A., engaging in the sale of bank-related products alongside her registered representative duties. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations through several program types, including client-directed and fully discretionary options. The firm employs a multi-profile investment approach and utilizes affiliated and third-party providers for advisory and fund selection services.

Michael Capozzi is a Series 66 licensed financial advisor with 17 years of industry experience. He is currently with LPL Financial and has previously worked at M&T Bank, Charles Schwab, TD Ameritrade, Scottrade, and Equitable Advisors. He manages a DBA business, Wilmington Advisors at M&T, related to his LPL activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a wide range of financial planning and portfolio management services through a large network of advisors and uses various advisory platforms supported by operational and research tools.

Andrew Kelley is a financial advisor with Merrill in Hamburg, NY, holding Series 63 and Series 66 credentials and 19 years of industry experience. He has worked at Bank of America and Merrill since 2015. Outside of finance, he is involved part-time with Spurline Construction, an electrical work business owned by his brother-in-law. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers both model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutional accounts.

Matthew Sotland is a CFP® and holds a Series 66 license, with 19 years of experience in the financial industry. He has worked at UBS Wealth Management since 2007 and has been with Wells Fargo Clearing since 2016. Outside of his advisory role, he is a partial owner of commercial rental properties in Williamsville, NY. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and combines brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Liam Davis is a Series 66-registered financial advisor with LPL Financial, based in Hamburg, NY, and has four years of industry experience. His prior roles include positions at Cadaret Grant & Co., Inc. and Equitable Advisors LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a broad range of advisory and brokerage services, utilizing model portfolios, third-party subadvisors, and customized strategies across multiple asset classes.

Andre Brassard is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 35 years of industry experience. He previously worked for M&T Securities, Inc. for 23 years before joining LPL Financial in 2021. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolios, third-party asset management, and institutional platforms, supporting advisors with various investment strategies and operational tools.

Patrick Pannell is a financial advisor at Fidelity with 20 years of industry experience and holds the Series 66 designation. His career includes roles at Fidelity Investments, Fidelity Personal and Workplace Advisors, FIDELITY Brokerage Services LLC, New England Securities, Chase Investment Services Corp., and Ameriprise. Fidelity’s Strategic Advisers LLC, the firm with which he is affiliated, provides investment management and advisory services to retail and institutional clients, including discretionary portfolio management and fund advisory. The firm employs a combination of proprietary fundamental research and quantitative analysis, using systematic methodologies and long-term asset allocation benchmarks to construct model portfolios.

James Sands is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 licenses and has 44 years of industry experience. He previously worked at UBS Financial Services from 2008 to 2020 before joining Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC in 2020. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a broad range of advisory programs to individuals and institutions, including tailored financial planning using firm-approved tools and strategies.

Lisy Pena is a financial advisor with Morgan Stanley Wealth Management in Orchard Park, NY, holding a Series 66 credential and 12 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2014. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and analysis. The firm manages approximately $2.74 trillion in client assets and offers services under both direct and corporate financial planning agreements.

Joseph Loschiavo Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and 21 years of industry experience. Before joining LPL Financial in 2021, he worked at M&T Securities from 2012 to 2021. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to various portfolio programs, and supports its advisors with research and operational tools.

Charlene Morrow is a financial advisor at OSAIC with 33 years of industry experience. She holds the ChFC® designation as well as Series 63 and Series 65 licenses. Her prior experience includes 17 years at American Portfolios and running Morrow Financial Services, a sole proprietorship through which she sells fixed annuities and various insurance products. OSAIC serves a broad mix of retail and institutional clients with a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and advisor-managed portfolios. The firm’s investment approach emphasizes model-based asset allocation and portfolio optimization supported by risk assessment tools.

Romer Mendez is a financial advisor with LPL Financial in Silver Creek, NY, holding Series 63 and Series 66 credentials and 14 years of industry experience. His prior roles include positions at M&T Bank, M&T Securities, and Axa Advisors. Outside of his advisory work, he is involved with WNY Flag Football, a local sports organization. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning, portfolio management, and institutional platforms, supporting advisers with tools including model portfolios, third-party subadvisors, and technology-driven research.

Patricia Sargent is a CFP® with 23 years of industry experience, currently serving as a financial advisor at LPL Financial. Her prior roles include positions at Cadaret, Grant & Co., Inc., Mass Mutual Investors Services, and Metlife Securities. She also operates Davis Financial Services, a business related to her LPL advisory activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment solutions, utilizing both proprietary and third-party models, supported by technology tools and a broad array of non-advisory financial services.

Peter Grimm is a financial advisor with LPL Financial, holding Series 63, 65, and 66 designations and 31 years of industry experience. He previously worked for NEXT Financial Group for 16 years before joining LPL Financial in 2025. Grimm is also licensed as an insurance agent with activities in fixed annuities and life/health insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by various advisor-facing tools and a large network of over 22,800 advisors.

John Licata is a financial advisor at Morgan Stanley with 10 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and models but generally acts in an advisory capacity without providing individual security recommendations as part of standalone planning.