James Krieger is a financial advisor at HSBC Securities (USA) Inc. with 4 years of industry experience. He holds Series 63 and Series 66 licenses and has been associated with HSBC entities since 2010 in various roles, including serving as a bank officer at HSBC Bank USA N.A. in addition to his advisory position. HSBC Securities (USA) Inc. offers managed account programs to a diverse client base, including individuals, retirement accounts, charitable organizations, and corporations, with a range of client-directed and discretionary investment options supported by multiple affiliated service providers.

Joshua Haueise is a CFP® professional with eight years of experience in the financial services industry. He is currently affiliated with Commonwealth Financial Network and Black Diamond Custom Wealth Management. His prior experience includes six years at Lincoln Financial Securities and roles at Massachusetts Mutual Life Insurance Company and Mass Mutual Investors Services. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their retail and institutional clients, providing a range of advisory programs and support services including wealth management, retirement plan consulting, and discretionary model portfolios. The firm offers various program structures and operates as a platform provider delivering operations, trading, technology, compliance, and practice-management support.

Michael Muffoletto is a CFP® professional with seven years of industry experience, currently affiliated with Commonwealth Financial Network. His prior roles include positions at Lincoln Financial Securities and MML Investors Services. He is also involved in referring payroll services through ADP, Inc. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing roughly $213 billion in client assets. The firm offers a comprehensive adviser-support platform with discretionary and nondiscretionary managed-account programs, access to third-party asset managers, and a variety of investment options.

Charles Garlock is a financial advisor with HSBC Securities (USA) Inc. in Buffalo, NY, holding a Series 66 designation and 10 years of industry experience. He has worked at HSBC Securities since 2016 and previously at Key Investment Services LLC and LPL Financial. HSBC Securities (USA) Inc. offers managed account programs to a broad client base, including individuals, retirement accounts, charitable organizations, and corporations. The firm provides both client-directed and fully discretionary investment programs, using a range of model risk profiles and combining strategic and tactical asset allocation developed in partnership with HSBC Global Asset Management.

William Fahs is a financial advisor with HSBC Securities (USA) Inc. in Buffalo, NY, holding Series 63 and Series 66 credentials and nine years of industry experience. He joined HSBC Securities and its affiliate HSBC Bank USA, N.A. in 2021, following roles at Key Investment Services, LLC, KEY BANK, and Snorac LLC. Fahs also serves as a bank officer for HSBC Bank USA, engaging in the sale of bank-related products alongside his registered representative duties. HSBC Securities (USA) Inc. offers managed account programs serving individuals, retirement accounts, charitable organizations, and corporations through various client-directed and discretionary options. The firm employs a multi-profile investment process supported by HSBC Global Asset Management and affiliated providers, with a significant portion of managed assets in client-directed, non-discretionary portfolios.

Michael Capozzi is a Series 66 licensed financial advisor with 17 years of industry experience. He is currently with LPL Financial and has previously worked at M&T Bank, Charles Schwab, TD Ameritrade, Scottrade, and Equitable Advisors. He manages a DBA business, Wilmington Advisors at M&T, related to his LPL activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a wide range of financial planning and portfolio management services through a large network of advisors and uses various advisory platforms supported by operational and research tools.

Kristine Buchband is a financial advisor at Osaic with 36 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Morgan Stanley Smith Barney, Morgan Stanley Private Bank, and FSC Securities Corp. Outside of her advisory role, she operates a sole proprietorship offering potential life insurance and fixed annuity sales to existing clients. Osaic Wealth, Inc. serves a diverse client base including individual, high-net-worth, pension, profit-sharing, corporate, and charitable clients through a large network of affiliated advisers. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to construct and manage portfolios across various asset classes.

Andrew Kelley is a financial advisor with Merrill in Hamburg, NY, holding Series 63 and Series 66 credentials and 19 years of industry experience. He has worked at Bank of America and Merrill since 2015. Outside of finance, he is involved part-time with Spurline Construction, an electrical work business owned by his brother-in-law. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers both model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutional accounts.

Timothy Talbot is a financial advisor at Cambridge Investment Research Advisors with 12 years of industry experience. He holds a Series 63 designation and has worked at firms including Prudential Insurance Company of America and Securities America. Talbot is also involved in an entrepreneurial venture, owning Attain Wealth Planning, a business focused on investment and insurance services. Cambridge Investment Research Advisors provides financial planning, investment management, and retirement plan advisory services to a diverse client base, including individuals, pension plans, and charitable organizations. The firm offers a variety of investment implementation options through a network of independent Financial Professionals, utilizing proprietary models and third-party strategies.

Charles Stephan is a financial advisor with Primerica Advisors in West Seneca, NY, holding Series 65 and Series 63 licenses and with 32 years of industry experience. He has been with Primerica Financial Services and Primerica Advisors since 1994. He also receives compensation for referrals related to home security and automation products through Primerica Client Services, Inc. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm employs model-delivery investment strategies managed by third-party asset managers and supports trade execution and custody through Pershing and BNY Mellon Advisors.

Lawrence Pignataro IV is a financial advisor at OSAIC with eight years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Securities America and Investacorp. In addition to his advisory work, he manages an accounting and tax preparation business under Pignataro Financial Group. OSAIC serves a diverse client base including individual and institutional investors, offering brokerage and advisory services through a broad network of advisers. The firm employs a range of investment strategies and portfolio management tools while maintaining multiple third-party commercial relationships and platform integrations.

Robin Lewandowski is a financial advisor with Ameriprise in Orchard Park, NY, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. Prior to joining Ameriprise in 2025, Lewandowski worked at OSAIC, Securities America Advisors, Securities America, Inc., and Citizens Securities, Inc. Lewandowski also maintains outside employment as a financial advisor with CNB. Ameriprise offers specialized retirement-income planning services for clients with substantial investable assets, combining research, modeling, and tax-efficient strategies delivered through a centralized consulting team. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

James Murphy Jr. is a ChFC® and Series 66-registered financial advisor with 14 years of industry experience. He is currently affiliated with LPL Enterprise and has previously worked with Prudential Insurance Company of America and Mutual of Omaha Investor Services, Inc. He also operates JPMurphyJR LLC, providing Medicare insurance advice. LPL Enterprise, LLC offers investment advisory and brokerage services to a diverse range of clients, including individual and high-net-worth investors, retirement plans, and charitable entities. The firm’s investment approach is model-driven, utilizing portfolios developed by internal and third-party strategists, and it provides access to third-party asset managers and insurance products through affiliated entities.

Alex Dorofy is a financial advisor with LPL Enterprise holding a Series 63 designation and nine years of industry experience. His prior roles include positions at Prudential Insurance Company of America, Pruco Securities, LLC, and Geico. Outside of his advisory work, he owns Bee Run Honey, a business based in Lake View, NY. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, employer-sponsored retirement plans, and various institutional entities. The firm employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and a range of insurance and trust services.

Matthew Sotland is a CFP® professional with 19 years of industry experience, currently serving as an advisor at Wells Fargo Clearing since 2016. His prior experience includes roles at Wells Fargo Advisors LLC and UBS Wealth Management. He holds a minority ownership in a commercial rental property holding company in Williamsville, NY. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets with over 14,000 financial advisors and offers both brokerage and advisory solutions.

Joseph Fecio is a CFP® professional with 28 years of industry experience, currently serving at Raymond James Financial Services Advisors, Inc. He previously worked at Commonwealth Financial Network and Lincoln Financial Advisors. He has maintained a long-standing appointment as an insurance agent for non-variable life insurance policies. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and supports advisory programs and institutional consulting through a large network of advisors.

Michael Alba is a financial advisor with Edelman Financial Engines, holding Series 65, Series 63, and Series 66 licenses and 17 years of industry experience. His prior roles include positions at HSBC Securities (USA) Inc., td ameritrade, Citizens Securities, Inc., and operating Innovative Ecom LLC. He is based in Lancaster, NY. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven proprietary modeling process combined with planner delivery and online tools, offering both discretionary and non-discretionary investment management with a focus on diversified model portfolios and long-term strategies.

Liam Davis is a financial advisor with LPL Financial based in Hamburg, NY, holding a Series 66 designation and three years of industry experience. His prior roles include positions at Cadaret Grant & Co., Inc. and Equitable Advisors LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of advisory and brokerage services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

James Anderson is a CFP®-certified financial advisor with Edward Jones, based in East Aurora, NY, and has 15 years of industry experience. He has been with Edward Jones since 2010. Outside of his advisory role, Anderson serves on the finance committee of Aurora Waldorf School in West Falls and is a board member and treasurer for Aurora Waldorf School in South Wales. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages over $1 trillion in assets through a large network of advisors and branch offices, offering a range of advisory programs, tax-efficient services, and affiliated investment products while operating under a fiduciary standard.

Daniel Blake is a financial advisor with MML Investors Services, a subsidiary of MassMutual, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. He has been with MML Investors Services and Massachusetts Mutual Life Insurance Company since 1987. Outside of his advisory role, he owns and operates SFG Consulting, which focuses on business succession planning, and Southtowns Financial Group, providing insurance services. MML Investors Services, LLC serves individuals, business owners, trusts, estates, charitable organizations, and employers by offering financial planning, asset management, and educational seminars. The firm’s approach includes collaborative, annual financial planning engagements using firm-approved software to analyze client goals and recommend investment strategies.