Arvin Reyes is a financial advisor with HSBC Securities (USA) Inc. in Buffalo, NY. He holds Series 63 and Series 66 licenses and has 19 years of industry experience. Reyes has been with HSBC Securities and HSBC Bank USA N.A. since 2014. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations, with both client-directed and discretionary options. The firm employs a structured investment process that incorporates strategic and tactical asset allocation and uses affiliated third-party providers for fund selection and account management.

Donna Barth is a financial advisor at Key Investment Services LLC with 25 years of industry experience. She has held roles at Key Investment Services LLC and KeyBank since 2016. Barth holds Series 63 and Series 65 licenses. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through various advisory programs, including wrap-fee programs, model portfolios, and separately managed accounts. The firm emphasizes client-directed model selection supported by advisory recommendations and ongoing monitoring, and it operates within the KeyCorp group with connections to KeyBank and KeyBanc Capital Markets.

Gerald Ginley is a financial advisor with HSBC Securities (USA) Inc. and holds Series 63 and Series 65 licenses. He has 29 years of experience in the industry and has been with HSBC Securities (USA) Inc. since 2015 and HSBC Bank USA, N.A. since 2016. In addition to his role as a registered representative, he also serves as a Bank Officer for HSBC Bank (USA) N.A., engaging 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, offering both client-directed and discretionary investment options supported by a structured risk-profile and asset-allocation process.

Michael Winter is a financial advisor at HSBC Securities (USA) Inc. with 27 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at several firms including Ameriprise, Valic Financial Advisors, Merrill, and HSBC Bank USA, N.A. HSBC Securities (USA) Inc. offers managed account programs to a broad client base including individuals, retirement accounts, charitable organizations, and corporations. The firm’s investment approach combines strategic and tactical asset allocation with global fund due diligence and offers both discretionary and client-directed portfolio options.

Robin Lee is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and two years of industry experience. Prior to joining Commonwealth and Clark & Company Wealth Management in 2025, Lee worked at Morgan Stanley from 2020 to 2023. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm provides a range of advisory programs and operational support, including discretionary model portfolios and customized investment solutions.

Emily Ford is a CFP® with seven years of industry experience, currently an advisor at Hightower Advisors. Her prior roles include positions at Northwestern Mutual Wealth Management Company, ESAS, LLC, and Russell Schwartzbeck. Hightower Advisors provides investment advisory and planning services to a diverse range of individual and institutional clients, utilizing a multi-manager approach that includes affiliated and third-party managers, discretionary and non-discretionary portfolio management, and access to alternative investments and custom indexing strategies.

Scott Kleiner is a registered representative with HSBC Securities (USA) Inc. in Buffalo, NY, holding Series 66 and Series 63 licenses and bringing 11 years of industry experience. He has worked with HSBC Securities and its affiliate HSBC Bank USA, N.A. since 2015. In addition to his advisory role, he serves as a Bank Officer for HSBC Bank USA, engaging in the sale of bank-related products and services. HSBC Securities (USA) Inc. offers managed account programs to a diverse client base, including individuals, retirement accounts, charitable organizations, and corporations. The firm’s investment approach combines strategic and tactical asset allocation across multiple risk profiles, utilizing both discretionary and client-directed programs supported by affiliated investment management and advisory services.

Tucker Hanson is a financial advisor at Focus Partners Wealth, LLC with seven years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Ameriprise, Pacer ETFs, and Jackson National Life Distributors. Focus Partners serves individuals, high-net-worth families, family offices, and institutional clients with wealth management, advisory, and retirement plan consulting services. The firm employs a long-term, tax- and fee-sensitive investment approach that combines active and passive strategies within an enhanced open architecture framework.

Russell Scherrer III is a financial advisor at HSBC Securities (USA) Inc. with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has been with HSBC Securities since 2011. HSBC Securities offers managed account programs for individuals, retirement accounts, charitable organizations, and corporations, featuring both client-directed and discretionary options. The firm employs a structured investment approach using five model risk profiles and collaborates with affiliated and third-party providers for fund selection and account management.

Allan Carmello is a financial advisor with Key Investment Services LLC in Cheektowaga, NY, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has been with Key Investment Services since 2005. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through various advisory programs, model portfolios, and managed accounts. The firm emphasizes client-directed model selection combined with ongoing monitoring and due diligence of third-party advisory products, and operates within the KeyCorp group with affiliations to KeyBank and KeyBanc Capital Markets.

Wei Zhao is a financial advisor with HSBC Securities (USA) Inc. in Buffalo, NY. He holds Series 63 and Series 66 designations and has five years of industry experience. Prior to joining HSBC Securities in 2021, he has been with HSBC Bank USA, N.A. since 2013. 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 uses model risk profiles and combines strategic and tactical asset allocation supported by affiliates for fund selection and ongoing monitoring.

Thomas Yokum is a financial advisor at Key Investment Services LLC with three years of industry experience. He holds Series 65 and Series 63 licenses and has previously worked at UBS Financial Services and LPL Enterprise LLC. Outside of advising, he has experience in tutoring and worked at companies such as Ikea and OASIS Ascent. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through a variety of advisory programs, model portfolios, and managed accounts. The firm emphasizes client-directed investment decisions supported by non-binding recommendations and ongoing oversight, operating as part of the KeyCorp group with strong affiliations to KeyBank and KeyBanc Capital Markets.

Anna Marie Pera is a financial advisor at Key Investment Services LLC with 30 years of industry experience. She holds Series 63 and Series 66 designations. Her prior experience includes roles at HSBC Bank USA, N.A., and HSBC Securities (USA) Inc. from 2016 to 2022. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients, offering wrap‑fee advisory programs, model portfolios, and managed accounts. The firm emphasizes client-directed investment decisions supported by non-binding recommendations and ongoing monitoring, while providing access to third-party discretionary managers and supervisory oversight.

Keith Smith is a financial advisor at HSBC Securities (USA) Inc. with 20 years of industry experience. He holds Series 63 and Series 66 designations and has been with HSBC Securities since 2013. Based in Buffalo, NY, his work focuses on managing client accounts within the firm’s various managed account programs. HSBC Securities (USA) Inc. offers managed account solutions to individuals, retirement accounts, charitable organizations, and corporations through several program types, including client-directed and fully discretionary options. The firm uses a structured investment process with multiple risk profiles and collaborates with affiliated and third-party providers for fund selection and portfolio management.

Craig Clark is a CFP® professional with 23 years of experience in the financial services industry. He is currently with Commonwealth Financial Network and also owns Clark & Company Wealth Management, LLC. Prior to this, he spent 16 years at Lincoln Financial Securities Corporation. Outside of his advisory work, Clark serves as a team manager for a youth hockey team in Buffalo, NY. Commonwealth Financial Network is a registered investment adviser that supports a national network of advisors with a range of advisory programs and services, including wealth management and retirement plan consulting. The firm provides operational, trading, technology, and compliance support while offering advisors discretion to construct client portfolios from a broad array of securities and insurance products.

Nate Waldmiller is a financial advisor with HSBC Securities (USA) Inc. based in Buffalo, NY, holding a Series 66 designation and 13 years of industry experience. He has worked with HSBC Bank USA, N.A. since 2015 and with HSBC Securities Inc. since 2012. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations through a variety of client-directed and discretionary program types. The firm’s investment approach involves strategic and tactical asset allocation supported by global asset management teams and employs multiple risk profiles to tailor portfolios.

Andrew Cheatham is a financial advisor with Key Investment Services LLC in Buffalo, NY, holding a Series 66 designation and six years of industry experience. His prior roles include positions at LPL Financial, M&T Securities, Edward Jones, Bank of America NA, and Merrill Lynch. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through a variety of advisory programs and managed account solutions. The firm emphasizes client-directed model selection combined with ongoing monitoring and due diligence, operating within the KeyCorp group and working closely with affiliated entities such as KeyBank.

Lawrence Orsini is a financial advisor with HSBC Securities (USA) Inc. in Buffalo, NY, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. His career includes multiple roles at HSBC entities since 2007, as well as positions at LPL Financial, Citigroup Global Markets, Banc of America Investment Services, and Quick & Reilly. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations through a variety of client-directed and discretionary offerings. The firm employs a multi-profile investment process supported by HSBC Global Asset Management and affiliated providers, emphasizing client-directed portfolios within its broader managed-account business.

Joseph Mitchell is a financial advisor with Key Investment Services LLC, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. He has been with Key Investment Services since 2012. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through various advisory programs, model portfolios, and managed accounts. The firm emphasizes client-directed model selection and provides access to third-party discretionary managers, with ongoing monitoring and supervisory oversight integrated into its offerings.

Brian Zdrowak is a CFP® professional affiliated with Focus Partners Wealth, LLC, with five years of industry experience. He has previous experience at The Colony Group, LLC, Buckingham Strategic Wealth, LLC, and Insero Wealth Strategies. Focus Partners serves individuals, high-net-worth families, family offices, corporate, and institutional clients, offering a wide range of wealth management and advisory services. The firm employs a long-term, tax- and fee-sensitive investment approach that combines active and passive strategies within an enhanced open architecture framework.