Kristy Toye is a financial advisor at Key Investment Services LLC with 24 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Key Investment Services and Key Bank NA through her career. Key Investment Services LLC is an SEC-registered investment adviser and wrap-fee program sponsor serving individuals, trusts, estates, small businesses, and institutional plan clients. The firm offers model-based advisory products and portfolio management through a multi-provider platform, integrating services from KeyCorp affiliates and third-party managers.

Timothy Keller is a financial advisor with Equity Services, Inc. and holds the ChFC® designation along with Series 63 and Series 65 licenses. He has 43 years of industry experience and has previously worked at National Life Group, Mass Mutual Life Insurance Company, and Guardian Life, among others. He is also a managing director at two fixed insurance product firms, NPA Financial and The Vermont Agency. Equity Services, Inc., operating 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, often utilizing third-party asset managers and a mix of long-term and shorter-term investment strategies.

Albert Erni Sr. is a financial advisor with Key Investment Services LLC, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. His prior roles include positions at Morgan Stanley and Merrill. Outside of advising, he serves as a board member for Child & Family Services and is involved with Wall Street Sound, a recording studio and copyright holder. Key Investment Services LLC is an SEC-registered investment adviser offering 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 and integrates services from KeyCorp affiliates, delivering both discretionary and non-discretionary investment solutions.

John Scioli is a financial advisor with Lincoln Investment in Amherst, NY, holding a Series 63 designation and 31 years of industry experience. He has worked at Lincoln Investment since 2017 and previously spent over two decades with Legend Equities Corporation and Legend Advisory Corporation. Outside of his advisory role, he is president of John Scioli Inc., an accounting revenue capture entity. Lincoln Investment Planning, LLC is a large enterprise advisory and broker-dealer serving individual and high-net-worth investors, trusts, charities, and corporate and ERISA retirement plans. The firm offers financial planning, advisor-led consulting, and portfolio management through model portfolios and third-party managers, supported by an in-house Investment Management & Research team.

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.

Daniel Cavaretta is a financial advisor with Kestra Advisory, holding a Series 66 credential and 25 years of industry experience. Before joining Kestra Advisory in 2021, he worked at Nationwide Investment Services Corp for 15 years and had brief tenures at Cornerstone Capital Wealth Management and Geneos Wealth Management. Outside of advisory activities, he holds a board position as Serjeant-at-arms for the Good Government Club of Western New York. Kestra Advisory Services provides investment advisory and retirement-plan consulting to institutional and individual clients, offering a range of services including fiduciary consulting, plan design, and employee education. The firm serves large institutional investors and supports discretionary and non-discretionary fiduciary services with due diligence on recommended investments.

Jeffrey Ott is a financial advisor at Capital Analysts with 17 years of industry experience. He holds a Series 66 designation and has worked with Lincoln Investment since 2017. His prior experience includes roles at Legend Advisory Corporation, Legend Equities Corporation, and Edward Jones. Capital Analysts serves a diverse clientele including individual and high-net-worth investors, trusts, foundations, businesses, and charitable organizations. The firm offers portfolio management, custom and model portfolios, access to third-party managers, and retirement plan advice through a nationwide network of independent advisors and in-house investment management.

Jonathan Moyer is a financial advisor with TIAA-CREF, holding a Series 66 designation and 22 years of industry experience. He has been with TIAA-CREF since 2012. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning, discretionary managed account programs, and broker-dealer services to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans. The firm also advises donor-advised funds and operates within a vertically integrated structure using affiliated funds.

Heather Schultz is a financial advisor at Key Investment Services LLC with three years of industry experience. She holds a Series 66 designation and has worked previously at Park Avenue Securities, Guardian Life Insurance Company, Alliance Advisory Group, Wegmans Food Markets, and Kenmore West High School. Key Investment Services LLC is an SEC-registered investment adviser and wrap-fee program sponsor serving individuals, trusts, estates, small businesses, and institutional clients through a network of financial professionals. The firm offers multiple wrap programs with custodial and trade execution services, leveraging a multi-provider model that includes Envestnet and Key Wealth Chief Investment Office strategists.

Jason Danheiser is a financial advisor with Key Investment Services LLC in Amherst, NY. He holds Series 63 and Series 66 designations and has 13 years of industry experience. Prior to his current role, he worked at M&T Bank, AXA Advisors, and Citizens Bank. Key Investment Services LLC is an SEC-registered investment adviser and wrap-fee program sponsor serving individuals, trusts, estates, small businesses, and institutional plans through a network of financial professionals. The firm employs a multi-provider model for portfolio management and offers multiple wrap programs with custodial and trade execution services through Pershing.

Craig Warner is a financial advisor at TIAA-CREF with 17 years of industry experience. He holds a Series 66 designation and has worked at TIAA-CREF since 2019, following four years at M&T Securities. Outside of his advisory role, he is active as a musician involved in public performance, composition, and recording. TIAA-CREF Individual & Institutional Services provides financial planning, discretionary managed account programs, and broker-dealer services to individuals—often those connected to TIAA-administered retirement plans—as well as trusts, estates, partnerships, and small retirement plans. The firm distinguishes between one-time planning services and ongoing discretionary management, offering customized portfolios alongside model-based programs.

Jeffrey Kney is a financial advisor at Lincoln Investment with 39 years of industry experience. He holds a Series 63 designation and has worked at Lincoln Investment since 2017. Prior to this, he spent 30 years at Legend Equities Corporation and 8 years at Legend Advisory Corporation. He serves as an unpaid board member for the Orchard Park CSD Academy of Finance, advising students interested in business and participating in board activities. Lincoln Investment Planning, LLC is a large enterprise advisory and broker-dealer serving individuals, high-net-worth investors, trusts, charities, and retirement plans, with a history of serving educators and participants in 403(b) and 457(b) programs. The firm offers financial planning, portfolio management, and consulting services supported by an in-house Investment Management & Research team and third-party managers, employing a layered delivery model that includes advisor-led and model portfolio strategies.

David Gelia is a financial advisor with Principal Financial Services, holding a Series 63 designation and over 38 years of industry experience. His prior roles include positions at LPL Financial, Cadaret, Grant & Co., and United Insurance Agency. Outside of his advisory work, he serves as a trustee for Villa Maria College. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm offers direct advisory programs, financial planning, retirement consulting, and access to third-party money managers through various advisory and promoter arrangements.

Melanie Gagliano is a financial advisor with Kestra Advisory, holding a Series 63 designation and eight years of industry experience. She previously worked at Cadaret, Grant & Co., Inc. and Exile East LLC before joining Kestra in 2021. In addition to her advisory role, she is involved in designing 401(k) plans and sells health insurance plans to small businesses. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a range of institutional and individual clients, offering services including plan design, fiduciary consulting, and advisor-managed accounts. The firm serves large institutional investors and operates diverse programs such as pooled employer plans and private fund placements.

Thomas Volpini is a CFP® with 38 years of industry experience, currently serving at Hightower Advisors since 2017. Prior to this, he worked at Wells Fargo Advisors Financial Network LLC from 2009 to 2017. Outside of his advisory work, he serves as a reserve with the Erie County Sheriff Reserve in New York. Hightower Advisors provides investment advisory and planning services to a diverse client base including individuals, pension plans, charitable organizations, and financial institutions. The firm’s approach emphasizes manager selection and multi-manager solutions, utilizing both affiliated and third-party managers along with proprietary research and a range of investment vehicles.

Charles Lytle is a financial advisor with United Planners Financial Services of America, holding a Series 63 license and 16 years of industry experience. He has operated his own advisory businesses since 2009 and currently serves as an insurance agent specializing in non-variable insurance. Additionally, he provides tax preparation and accounting services through a separate firm. United Planners Financial Services serves a diverse client base including individuals, corporations, charitable organizations, and institutional clients. The firm offers financial planning, portfolio management, retirement plan services, and brokerage solutions through an open-architecture platform with multiple custodians and third-party money managers.

Bennett Gagliano is a financial advisor with Kestra Advisory who holds extensive industry experience spanning 45 years. Prior to joining Kestra in 2021, he spent two decades at Cadaret, Grant & Co., Inc. and G & C Pension Services LLC. Outside of his advisory role, he serves as president of Bennett A Gagliano Inc., focusing on the design and sale of benefit plans, and manages multiple third-party administration firms related to retirement plan services. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a broad range of institutional and individual clients. The firm offers services including plan design, fiduciary consulting, investment advice, and employee education, serving large institutional investors with assets under management of approximately $79.8 billion.

Seth Hamilton is a financial advisor at Equity Services, Inc. with eight years of industry experience. He holds the Series 66 designation and has previously worked at Cetera Investment Advisers, National Asset Management, and National Life Group. Outside of his advisory role, he is involved in tax preparation through HD Tax Solutions and serves as an agent for fixed insurance products with The Vermont Agency and NPA Financial. Equity Services, Inc., operating as ESI Financial Advisors, provides financial planning, consulting, and asset management to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm combines long-term investment strategies with options for shorter-term trading and specialized instruments, offering multiple advisory platforms and working with various third-party asset managers.

Duane Pusch is a financial advisor with Lincoln Investment in Amherst, NY, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He previously worked at Legend Advisory Corporation and Legend Equities Corporation. Outside of his advisory role, he provides personal income tax preparation services during tax season. Lincoln Investment is a large enterprise firm serving a diverse client base, including individuals, high-net-worth investors, trusts, charities, and retirement plans, with a focus on advisor-led consulting and model portfolio management.

Jonathan Donatelli is a CFP® professional with 24 years of industry experience, currently with Principal Financial Services. He has held roles at Principal Securities Inc., Wealth Management Services LLC, Principal Life Insurance Company, and Uvest Financial Services Group. Outside of his advisory work, he is involved in insurance activities related to fixed life, disability income, and long-term care insurance. Principal Securities provides brokerage and registered investment advisory services to a diverse client base including individual investors, retirement plans, trusts, estates, charitable organizations, corporations, and active-duty U.S. military personnel abroad. The firm offers financial planning, retirement consulting, and access to third‑party money manager asset allocation and separately managed account solutions.