Robert Gruber is a financial advisor with GWN Securities Inc., holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with GWN Securities since 2005. Outside of his advisory role, Gruber owns and operates Gruber Insurance & Financial Services, where he sells and services various insurance products, and he serves as an exam monitor for New York State insurance continuing and prelicensing education. GWN Securities is an SEC-registered investment adviser and broker-dealer that provides discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios for individual and business clients. The firm supports a large network of approximately 423 advisors and manages about $3.65 billion across over 37,000 client accounts, offering a range of managed-account programs including SMA, UMA, and fund-strategist options.

Richard Gruszewski is a financial advisor with Principal Financial Services, holding a Series 66 designation and eight years of industry experience. His prior work includes roles at Bristol ID, FSP Advisors, Leigh Baldwin & Co., Axa Advisors LLC, and Xerox. He is also engaged in outside sales related to life, disability, annuities, health, long-term care, dental, Medicare, and medical insurance products. 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, and access to third-party money manager solutions, with investment implementation typically carried out on a discretionary basis by these managers.

John White is a financial advisor with GWN Securities Inc. in Grand Island, NY, holding a Series 63 designation and bringing 44 years of industry experience. He has been with GWN Securities since 2007 and is also a partner at White, White & Cich Financial Services, where he assists clients with investment decisions. Additionally, he works as an independent insurance agent for life and variable insurance products. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individual and business clients through a network of over 400 advisors. The firm offers discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios, employing a range of investment strategies including legacy market-timing and momentum-based methods.

Melissa Bertrand is a financial advisor with Principal Financial Services in Amherst, NY, holding a Series 63 designation and nine years of industry experience. She has worked with Principal Life Insurance and its affiliated entities since 2015 and also spent several years with Wealth Management Services LLC. Outside of her advisory work, she serves on the board of the Richard Knights-Sue Kaderli Memorial Fund, where she participates in event planning, fundraising, community outreach, and media relations. 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 manager asset allocation and separately managed account solutions.

Paul Podsiadlo is a financial advisor with Principal Financial Services and holds the CFP® and Series 63 designations. He has 43 years of industry experience, including roles at Principal Life Insurance since 2017 and Principal Securities Inc. since 2016. Outside of his advisory work, Paul serves as chairman of the board at Fourteen Holy Helpers RC Church and is co-owner of PKM Employee Services LLC. Principal Securities provides brokerage and registered investment advisory services to a diverse client base including individual investors, retirement plans, trusts, estates, charitable organizations, and corporations. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

John Russo is a financial advisor with United Planners Financial Services of America, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. His career includes roles at LPL Financial, Invest Financial Corporation, and SCF Securities, among others. In addition to his advisory work, he is involved in tax preparation and accounting services through Financial Planning Advisors. United Planners Financial Services serves a diverse client base, including individuals, corporations, charitable organizations, retirement plans, and institutional clients. The firm operates an open-architecture platform with multiple custodians and third-party money managers, offering both fee-based and commission-based solutions through a network of 477 independent advisors.

Jackson Tarr is a financial advisor at Citizens Securities, Inc. with four years of industry experience and holds a Series 66 designation. He has worked at Citizens Securities since 2023 and previously held positions at MML Investors Services, LLC, MassMutual Life Insurance Company, and several independent school districts. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans. The firm offers investment advisory programs alongside brokerage and insurance services, including a digital advisory program that uses algorithm-driven ETF portfolio recommendations.

Emily Repka is a financial advisor at Citizens Securities, Inc. in Amherst, NY, holding a Series 66 designation and beginning her advisory career in 2026. She has prior experience at Citizens Bank, where she worked from 2015 to the present. Citizens Securities serves a diverse retail client base, including individual and high-net-worth investors and retirement plans, offering investment advisory programs alongside brokerage and insurance services. Its advisory options include a digital advisory program managed with SigFig and a Managed Account program, operating under the ownership of Citizens Bank, N.A.

Brian Pirritano is a financial advisor with Citizens Securities, Inc. in Buffalo, NY, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. Before joining Citizens Securities in 2025, he spent nine years at HSBC Securities (USA) Inc. He serves as a board member for his local homeowners association, contributing to community property maintenance. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, offering investment advisory programs alongside brokerage and insurance services. The firm features a digital advisory program with ETF-based portfolios managed through proprietary algorithms, though it primarily operates across both discretionary and non-discretionary business lines as a wholly owned subsidiary of Citizens Bank, N.A.

Daniel Sperrazza is a Series 65 licensed advisor with Hightower Advisors in Buffalo, NY, where he has worked since 2017. He has nine years of industry experience and is also the managing partner of LakeWater Capital LLC, an SEC-registered investment advisory firm. Hightower Advisors provides investment advisory and planning services to a diverse range of individual and institutional clients, employing a multi-manager approach that includes affiliated and third-party managers, proprietary research, and customized portfolio construction strategies.

Kevin Roche is a financial advisor with Key Investment Services LLC, holding Series 63 and Series 66 credentials and 15 years of industry experience. He previously worked at Key Bank NA for seven years before joining Key Investment Services in 2015. Outside of his advisory role, Roche serves on the board of Amherst Youth Basketball, where he is also a coordinator and head coach for multiple girls’ age groups. Key Investment Services LLC provides a range of advisory programs and investment solutions to individuals, trusts, estates, small businesses, and corporate clients. The firm emphasizes client-directed model selection and ongoing portfolio monitoring while offering access to third-party discretionary managers and operates within the KeyCorp group, working closely with affiliate entities across banking and capital markets.

Dominic Pellicano is a financial advisor with Principal Financial Services, holding a Series 63 designation and 33 years of industry experience. He has worked at Principal Securities Inc. since 2016 and has been involved with Wealth Management Services LLC and Principal Life Insurance Company for over a decade. Outside of his advisory work, he serves on the board of the Buffalo Launch Club, where he participates in monthly financial and operational reviews. 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 manager solutions under multiple arrangement structures.

Anthony Van Dette is a financial advisor at Transamerica Retirement Advisors, LLC with eight years of industry experience. He holds Series 63 and Series 65 licenses and has held various roles within Transamerica and Citizens Bank entities since 2015. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners by providing managed advice and investment education focused on asset allocation, contribution rates, and retirement age guidance. The firm relies on Morningstar Investment Management for portfolio construction and oversight and operates with a large client base primarily utilizing non-discretionary investment programs.

Matthew Slovick is a financial advisor with Principal Financial Services based in Amherst, NY. He holds Series 63 and Series 66 licenses and has 13 years of industry experience. His prior roles include positions at LPL Financial, Northwest Bank, and KeyBank. In addition to his advisory work, he is involved in the sale of life, disability, annuities, health, long-term care, dental, Medicare, and medical insurance products. Principal Securities offers brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm provides financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Donald Armstrong is a financial advisor at Key Investment Services LLC with 20 years of industry experience. He holds a Series 66 designation and previously worked at Prudential Insurance Company of America, Pruco Securities, LLC, and M and T Securities. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through various advisory programs, model portfolios, managed accounts, and affiliated brokerage and insurance products. The firm emphasizes client-directed model selection supported by non-binding recommendations and ongoing monitoring, while providing access to third-party discretionary managers and supervisory oversight.

Robert Benshadle is a financial advisor with Principal Financial Services, holding a Series 63 designation and 37 years of industry experience. His prior roles include positions at LPL Financial, Cadaret, Grant & Co., and United Insurance Agency. He serves as an alumni board member for Hilbert College. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, charitable organizations, corporations, and active-duty military personnel. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Delanie Di Donato is a financial advisor at Citizens Securities, Inc. with eight years of industry experience. She holds a Series 66 designation and previously worked for Morgan Stanley from 2014 to 2017 before joining Citizens Securities. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, offering investment advisory programs along with brokerage and insurance services. The firm provides both a digital advisory program and a managed account program, operating as a broker-dealer and insurance agency under the ownership of Citizens Bank, N.A.

Marc Wegrzynowski is a financial advisor at Equity Services, Inc. with 24 years of industry experience. He holds Series 63 and Series 66 licenses. His previous experience includes roles at MassMutual Investors Services, MassMutual Life Insurance Co, and MetLife Securities Inc. 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 and frequently utilizes third-party asset managers and model portfolios, combining long-term strategies with options for shorter-term trading and specialized instruments.

Victoria Terrazzino is a financial advisor at Equity Services, Inc. with four years of industry experience. She holds a Series 66 designation and has previously worked at firms including MML Investors Services, LLC, Mass Mutual Life Insurance Company, Belpointe Asset Management, LLC, and National Life Group. In addition to advisory work, she is involved in the sales of fixed insurance products such as annuities, life, disability, and long-term care insurance. Equity Services, Inc., operating as ESI Financial Advisors, provides financial planning, consulting, and asset management services to a range of clients including 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, utilizing multiple advisory platforms and third-party asset managers.

David Chua is a financial advisor at Lincoln Investment with 26 years of industry experience. He holds the Series 63 designation and has previously worked at Legend Advisory Corporation and Legend Equities Corporation. Chua serves as a board member of the Batavia City School District Foundation. Lincoln Investment Planning, LLC is a large enterprise firm serving individual and high-net-worth investors, 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 access to third-party managers through advisor-led and firm-managed model portfolios.