Ronald Yoviene is a financial advisor at Commonwealth Financial Network with 35 years of industry experience. He holds the Series 63 designation and has worked previously at Lincoln Financial Advisors Corporation and Lincoln Financial Securities Corporation. He is also the owner of Black Diamond Custom Wealth Management, Inc. and Black Diamond Custom Medicare Solutions, LLC. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors. The firm offers a broad platform including managed-account programs, access to third-party asset managers, and custody services, managing around $212.7 billion in client assets.

Ricardo Espejo is a financial advisor with HSBC Securities (USA) Inc. in Buffalo, NY, holding Series 66 and Series 63 licenses and bringing 14 years of industry experience. He has been with HSBC Securities since 2015 and also serves as a bank officer for HSBC Bank USA, N.A., where he engages in the sale of bank-related products alongside his advisory role. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations through various program types ranging from client-directed to fully discretionary options. The firm combines strategic and tactical asset-allocation advice with global manager due diligence, supporting a managed-account business weighted toward non-discretionary portfolios.

Ryan Laschinger is a registered representative with HSBC Securities (USA) Inc. and holds a Series 66 credential. He has one year of industry experience and is also dual hatted as a Bank Officer for HSBC Bank (USA) N.A. Outside of his financial career, he has worked in the fitness industry providing customer service at Crunch Fitness. HSBC Securities (USA) Inc. offers managed account programs to a variety of clients including individuals, retirement accounts, charitable organizations, and corporations. The firm provides both client-directed and fully discretionary investment programs, employing a multi-profile investment process with support from affiliated asset management and fund selection services.

Matthew Richert is a financial advisor with HSBC Securities (USA) Inc., holding Series 63 and Series 66 licenses and bringing eight years of industry experience. He previously worked at Key Investment Services, LLC and Northwestern Mutual Investment Services LLC, and also spent ten years at Wegmans Food Markets. He holds a secondary role as a Bank Officer with HSBC Bank (USA) N.A., where he is involved in the sale of bank-related products alongside his advisory duties. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations, offering both client-directed and fully discretionary investment options. The firm combines strategic and tactical asset allocation with fund due diligence and ongoing monitoring, serving clients through a variety of program types tailored to different risk profiles.

Edmund Haspett is a financial advisor with HSBC Securities (USA) Inc. who holds Series 63 and Series 65 licenses and has 11 years of industry experience. He has worked at HSBC Securities and HSBC Bank USA, N.A. since 2008, with a brief tenure at TIAA-CREF from 2022 to 2025. He also serves as a Bank Officer for HSBC Bank (USA) N.A., engaging in the sale of bank-related products alongside his registered representative role. HSBC Securities (USA) Inc. provides managed account programs for individuals, retirement accounts, charitable organizations, and corporations, offering both client-directed and discretionary investment solutions. The firm employs a model-based investment approach with multiple risk profiles and collaborates with affiliated and third-party providers for advisory and fund selection services.

Robert Lucarelli is a financial advisor at Key Investment Services LLC with 35 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Key Investment Services since 2016. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through various wrap-fee advisory programs, model portfolios, and managed accounts. The firm emphasizes client-directed model selection combined with non-binding recommendations and ongoing monitoring, and operates within the KeyCorp group with connections to KeyBank and KeyBanc Capital Markets.

Mark Jacobs is a financial advisor with HSBC Securities (USA) Inc. in Buffalo, NY, holding Series 63 and Series 66 licenses and nine years of industry experience. Prior to joining HSBC Securities in 2022, he worked at HSBC Bank USA, N.A. and FPPF Chemical Co. Inc. Outside of his advisory role, Jacobs manages condominium property operations. HSBC Securities (USA) Inc. provides managed account programs to a diverse client base, including individuals, retirement accounts, and corporations, offering a mix of client-directed and discretionary investment solutions supported by global asset management and fund due diligence.

Michael Paul is a financial advisor at Key Investment Services LLC with 10 years of industry experience. He holds the Series 63 and Series 66 credentials and has worked at Key Investment Services LLC and KeyBank since 2015. 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, operating within the KeyCorp group with affiliations to KeyBank and KeyBanc Capital Markets.

Michael Donahue is a financial advisor with Key Investment Services LLC in East Aurora, NY, holding Series 63 and Series 66 designations and bringing 37 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 direction in model selection while providing ongoing monitoring and access to third-party discretionary managers, operating within the KeyCorp group with affiliated banking and capital markets entities.

Robert Lucarelli is a financial advisor at Key Investment Services LLC with three years of industry experience. He holds Series 63 and Series 66 licenses. Prior to joining Key Investment Services, he worked at KeyBank NA and spent nine years at Alry Tool and Die. 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 and ongoing monitoring, while providing access to third-party discretionary managers and maintaining supervisory oversight.

Patrick Gardner is a financial advisor with Key Investment Services LLC in Hamburg, NY. He holds Series 63 and Series 65 licenses and has 14 years of industry experience. Gardner has been with Key Investment Services since 2012. Key Investment Services LLC provides advisory services to individuals, trusts, estates, small businesses, and corporate clients through various programs including wrap-fee advisory, model portfolios, and separately managed accounts. The firm emphasizes client-directed investment strategy selection and performs due diligence on third-party advisory products while offering access to discretionary money managers and ongoing portfolio oversight.

Patricia Schneider is a financial advisor with HSBC Securities (USA) Inc. in Buffalo, NY, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. She has been with HSBC Securities since 2014 and also serves as a bank officer for HSBC Bank (USA) N.A., an affiliate of her firm. Outside of her financial career, she works as a teacher and costume/prop mistress at Amazin'Grace Dance Studio and serves as Treasurer for a homeowners association. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations, featuring client-directed and discretionary portfolio options. The firm uses a multi-profile investment process supported by HSBC Global Asset Management and third-party providers, operating as both a registered adviser and broker-dealer with several distinctive operational features, including an Offshore Spectrum program for qualified non-resident clients.

Michael Palumbo is a financial advisor at HSBC Securities (USA) Inc. with 10 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at M&T Securities from 2015 to 2021. Palumbo serves on the Board of Directors and as a club officer for the Buffalo Canoe Club. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations, providing both client-directed and fully discretionary investment options. The firm’s investment process integrates multiple risk profiles and combines strategic asset allocation with global manager selection and ongoing fund monitoring.

Kevin Birt is a financial advisor at Commonwealth Financial Network with 23 years of industry experience. He holds the Series 63 and Series 66 designations and has previously worked at firms including Lincoln Financial Securities, HSBC Securities, and Scottrade. Outside of his advisory role, he participates as an experimental research subject at the University at Buffalo and is involved in cheese tasting for Lactalis USA. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and support services, including discretionary model portfolios and customized investment solutions.

Alexander Zdrowak is a financial advisor at Focus Partners Wealth, LLC with one year of industry experience. He holds a Series 65 designation and has previously worked at Exact Partners and Panera Bread. Focus Partners Wealth serves individuals, high-net-worth families, family offices, and institutional clients with a range of wealth management and advisory services. The firm uses a long-term, tax- and fee-sensitive investment approach that combines active and passive strategies, third-party managers, and private funds within an enhanced open architecture framework.

Craig Foster is a financial advisor with HSBC Securities (USA) Inc. in Buffalo, NY, holding Series 63 and Series 66 licenses and over 25 years of industry experience. He has been with HSBC Bank USA, N.A. and HSBC Securities (USA) Inc. since 2014. Outside of his advisory role, Foster serves as Vice President of the Mathew Foster Foundation, a charity supporting families of children with cancer, and is President of Rombus Internet Marketing, Inc. HSBC Securities (USA) Inc. offers a range of managed account programs for individuals, retirement accounts, charitable organizations, and corporations, utilizing both client-directed and discretionary approaches with investment models developed alongside HSBC Global Asset Management and affiliated providers.

James Eiseman is a financial advisor with Eagle Strategies (NY Life) based in Hamburg, NY, holding Series 63 and Series 66 credentials and bringing 13 years of industry experience. He has worked with ROI Financial Group, Eagle Strategies, New York Life Insurance Company, and NYLife Securities LLC. Outside of his advisory role, Eiseman is involved in cryptocurrency investing and serves as an insurance broker for non-registered insurance products. Eagle Strategies serves a diverse client base including individual investors, institutional clients, and plan sponsors, offering financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored recommendations and manages the majority of its assets on a non-discretionary basis within an integrated New York Life structure.

Angelo Ciccarelli is a financial advisor at Key Investment Services LLC with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Key Investment Services since 2012. Outside of his advisory role, Ciccarelli serves as an At-Large Director for the Western New York Hockey Officials Association, where he helps assign referees to local youth ice hockey games. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through various advisory programs and investment products. The firm emphasizes client-directed investment decisions supported by non-binding recommendations, ongoing monitoring, and due diligence on third-party advisory products, operating as part of the KeyCorp group with close affiliations to KeyBank and KeyBanc Capital Markets.

Zachary Schifferle is a financial advisor with HSBC Securities (USA) Inc. in Buffalo, NY, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. His prior experience includes roles at M&T Securities and Cadaret Grant & Co., Inc. before joining HSBC in 2022. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations through various client-directed and discretionary program types. The firm employs a multi-profile investment approach combining strategic and tactical asset allocation with ongoing fund due diligence and monitoring.

Jeanne Holmes is a financial advisor with HSBC Securities (USA) Inc. in Buffalo, NY, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. She has worked with HSBC in various capacities since 2016 and was previously with LPL Financial from 2012 to 2014. Holmes is also a Bank Officer for HSBC Bank (USA) N.A., where she is involved in the sale of bank-related products alongside her role as a registered representative. HSBC Securities (USA) Inc. offers a range of managed account programs for individuals, retirement accounts, charitable organizations, and corporations. The firm combines client-directed and discretionary investment solutions, utilizing model risk profiles and asset allocation strategies supported by affiliated global asset management and fund due diligence providers.