Michael Constantino is a Series 63-licensed financial advisor with Lincoln Investment in Amherst, NY, bringing 19 years of industry experience. He has worked at Lincoln Investment since 2017 and previously held roles at Legend Advisory Corporation and Legend Equities Corporation. In addition to his advisory duties, he is involved in marketing, research, and appointment setting as a sales assistant. Lincoln Investment Planning, LLC serves a diverse client base including individuals, high-net-worth investors, trusts, charities, and corporate and ERISA retirement plans, with a particular history of working with educators and 403(b) and 457(b) plan participants. The firm offers a range of financial planning and portfolio management services, supported by an in-house Investment Management & Research team that develops strategic model portfolios and adaptive strategies.

Nicole Smykowski is a financial advisor with HSBC Securities (USA) Inc. in Grand Island, NY, holding a Series 66 designation and 18 years of industry experience. Her prior roles include positions at Trubee, Collins & Co, Inc, LPL Financial, and M&T Securities. Smykowski has spent multiple periods at HSBC entities since 2016. HSBC Securities (USA) Inc. offers managed account programs serving individuals, retirement accounts, charitable organizations, and corporations. The firm provides various client-directed and discretionary investment programs supported by a structured investment process and oversight from affiliated and third-party providers.

Adam Hammer is a Series 66 licensed advisor with 12 years of industry experience. He currently works at Kestra Advisory Services, LLC, joining in 2026 after prior roles at Commonwealth Financial Network and Hammer Financial Group. Outside of advising, he is an author of investment-related books including *Learn Investing Now! How You Can Create an Effective Strategy in a World of Inflation, Volatility and War!*. Kestra Advisory Services provides investment advisory and retirement-plan consulting to institutional and individual clients, offering fiduciary consulting, plan-level investment advice, and access to multiple management platforms. The firm serves a diverse client base, including large institutional investors and sovereign wealth funds, managing approximately $79.8 billion in assets.

Christopher Moribella is a financial advisor with Lincoln Investment in Amherst, NY, holding a Series 63 designation and 40 years of industry experience. He has worked at Lincoln Investment since 2017, following eight years at Legend Advisory Corporation and 31 years at Legend Equities Corporation. Lincoln Investment Planning, LLC is a large enterprise investment advisory and broker-dealer that serves individual and high-net-worth clients, 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 advisor-led consulting supported by an in-house Investment Management & Research team that develops strategic and adaptive model portfolios.

Lauren Cecchini is a financial advisor at Lincoln Investment with Series 66 and Series 63 credentials and one year of industry experience. Prior to joining Lincoln Investment, she worked at Fidelity Investments and has entrepreneurial experience through businesses such as Automotive Addiction LLC and Salty Detailing. Lincoln Investment Planning, LLC is an enterprise advisory and broker-dealer serving a diverse client base, including individuals, high-net-worth investors, trusts, charities, and retirement plans. The firm offers financial planning, portfolio management, and advisor-led consulting supported by an in-house Investment Management & Research team that develops strategic model portfolios and employs third-party managers as needed.

Kristy Toye is a financial advisor with Key Investment Services LLC, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. She has worked with Key Investment Services and Key Bank NA since 2012. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through various advisory programs and model portfolio offerings. The firm emphasizes client-directed model selection and provides access to third-party discretionary managers, while also offering rebalancing, reporting, and supervisory oversight.

Timothy Keller is a financial advisor with Equity Services, Inc. in Amherst, NY, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 42 years of industry experience with a career that includes roles at National Life Group, Mass Mutual Life Insurance Company, and New York Life. Keller is also a managing director at two firms focusing on the sale and service of fixed insurance products. Equity Services, Inc., operating as ESI Financial Advisors, provides financial planning, consulting, and asset management services to a broad client base including individuals, corporations, trusts, charitable organizations, and employer retirement plans. The firm utilizes multiple advisory platforms and third-party asset managers, combining long-term strategies with options for shorter-term trading and specialized instruments.

Albert Erni Sr. is a financial advisor at Key Investment Services LLC with 25 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Key Investment Services and KeyBank since 2017. Outside of his advisory role, he serves as a board member for Child & Family Services and is involved with a recording studio business that holds copyrights. Key Investment Services LLC provides advisory and brokerage services to individuals, trusts, estates, small businesses, and corporate clients. The firm emphasizes client-directed model selection, offers access to third-party discretionary managers, and operates within the KeyCorp group alongside affiliated banking and capital markets entities.

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.

Ping Lin is a CFP® professional with 15 years of industry experience, currently serving at Citizens Securities, Inc. since 2024. Prior to this, Lin worked at Charles Schwab Bank, SSB and Charles Schwab from 2021 to 2024, and HSBC Securities (USA) Inc. from 2015 to 2021. Citizens Securities serves a broad retail client base including individual and high-net-worth investors and individual retirement plans. The firm offers both investment advisory programs and brokerage and insurance services, with advisory offerings that include a digital advisory program and a Managed Account program.

Katrina O'Sullivan is a financial advisor with Key Investment Services LLC, holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. She has been with Key Investment Services since 2011. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through various wrap-fee advisory programs, model portfolios, and separately managed and unified managed accounts. The firm emphasizes client-directed model selection combined with non-binding recommendations and ongoing monitoring, while also providing access to third-party discretionary managers and supervisory oversight.

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.

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.

Christopher Woods is a financial advisor at Key Investment Services LLC with 19 years of industry experience. He holds a Series 66 designation and has been with Key Investment Services and KeyBank NA since 2016. Outside of his advisory role, he volunteers as president and coach of the Niagara Pioneer Soccer League and serves as an assistant coach for the Lewiston Porter school district. Key Investment Services LLC serves a diverse client base including individuals, trusts, estates, small businesses, and corporations through wrap-fee advisory programs, model portfolios, and managed accounts. The firm emphasizes client-directed investment strategies with ongoing monitoring and due diligence, operating within the KeyCorp group alongside affiliated banking and capital markets entities.

Heather Schultz is a Series 66–licensed financial advisor with three years of industry experience. She is currently with Key Investment Services LLC and previously worked at Park Avenue Securities, Guardian Life Insurance Company, and Alliance Advisory Group. 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 model selection and ongoing monitoring, while providing access to third-party discretionary managers and supervisory oversight across its programs.

Jason Danheiser is a financial advisor with Key Investment Services LLC, holding Series 63 and Series 66 licenses and possessing 13 years of industry experience. His prior work includes roles at Key Bank, M&T Bank, M&T Securities, Axa Advisors, and Citizens Bank. 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 model selection and ongoing oversight, operating within the KeyCorp group alongside affiliated banking and capital markets entities.

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.

David Gelia is a financial advisor with Principal Financial Services, holding a Series 63 designation and 37 years of industry experience. His prior work includes roles at LPL Financial, Cadaret, Grant & Co., Cambridge Investment Research, Guardian Life Insurance Company, 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 plan consulting, and access to third-party money manager solutions.

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.