Andrew Cheatham is a financial advisor with Key Investment Services LLC, holding a Series 66 designation and six years of industry experience. His career includes roles at KeyBank, LPL Financial, M&T Securities, Edward Jones, Bank of America NA, and Merrill Lynch. Key Investment Services LLC is an SEC-registered investment adviser and wrap-fee program sponsor serving individuals, trusts, estates, small businesses, and institutional clients. The firm offers multiple wrap programs through a network of financial professionals, combining platform services from Envestnet with portfolio management by the Key Wealth Chief Investment Office and third-party managers.

John Paolini is a financial advisor at Farther with Series 63 and Series 65 licenses and four years of industry experience. He has worked at Farther Finance Advisors since 2022 and was self-employed in the financial sector from 2013 to 2022. In his individual capacity, Mr. Paolini serves as a trustee of a trust. Farther provides discretionary investment management and advisory services to individual investors, trusts, and estates through a web and mobile platform as well as in-person meetings. The firm employs an investment approach based on Modern Portfolio Theory, using proprietary model portfolios, algorithmic rebalancing, and a mix of ETFs, mutual funds, equities, and fixed income.

Lawrence Orsini is a financial advisor with HSBC Securities (USA) Inc. in Buffalo, NY, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. His career includes multiple roles at HSBC entities since 2007, as well as positions at LPL Financial, Citigroup Global Markets, Banc of America Investment Services, and Quick & Reilly. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations through a variety of client-directed and discretionary offerings. The firm employs a multi-profile investment process supported by HSBC Global Asset Management and affiliated providers, emphasizing client-directed portfolios within its broader managed-account business.

Joseph Mitchell is a financial advisor with Key Investment Services LLC, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. He has worked at Key Investment Services since 2012 and previously spent six years with HSBC Securities (USA) Inc. Key Investment Services LLC is an SEC-registered investment adviser and wrap-fee program sponsor that offers 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 for portfolio design and implementation, integrating services from its affiliates KeyBank and KeyBanc Capital Markets.

Brian Zdrowak is a CFP® professional at Focus Partners Wealth, LLC with five years of industry experience. He has previously worked at The Colony Group, LLC, Buckingham Strategic Wealth, LLC, and Insero Wealth Strategies. Focus Partners Wealth serves individuals, families, charitable organizations, corporations, and institutional retirement plans, providing investment management, financial planning, tax and compliance support, family office and business management, and employee benefit retirement plan services. The firm employs a long-term, tax- and fee-sensitive investment approach with customized portfolios that include a combination of active and passive strategies, third-party managers, private funds, and tactical overlays.

Brett Whitty is a financial advisor with HSBC Securities (USA) Inc. in Buffalo, NY. He holds Series 63 and Series 66 licenses and has three years of industry experience. His prior roles include positions at Pruco Securities, Prudential Insurance Company of America, and BNY Mellon. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations through various client-directed and discretionary investment options. The firm employs a structured investment process with multiple risk profiles and collaborates with global asset management and fund due diligence providers to manage and monitor client portfolios.

Mark Clarke II is a Series 66-credentialed financial advisor with 12 years of industry experience. He has been with T. Rowe Price Advisory Services, Inc. since 2013. T. Rowe Price Advisory Services, Inc. provides a retirement-focused advisory service to individual investors and households, combining nondiscretionary financial planning, retirement income planning, and discretionary investment management. The firm uses model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, employing tax-aware strategies and Monte Carlo simulation-based planning tools.

Ricardo Espejo is a financial advisor with HSBC Securities (USA) Inc. in Buffalo, NY, holding Series 66 and Series 63 registrations 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. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations, utilizing a range of client-directed and discretionary investment strategies. The firm’s approach combines strategic and tactical asset allocation with ongoing fund due diligence and monitoring, serving clients through multiple program types including Spectrum, Spectrum II, Offshore Spectrum, and managed portfolio accounts.

Theresa Smith is a financial advisor with Key Investment Services LLC in Hamburg, NY, holding Series 63 and Series 66 designations and bringing 34 years of industry experience. She has worked at Key Investment Services LLC since 2016, following roles at LPL Financial and HSBC Securities (USA) Inc. Key Investment Services LLC is an SEC-registered investment adviser and wrap-fee program sponsor that serves individuals, trusts, estates, small businesses, and institutional plans through a network of financial professionals. The firm employs a multi-provider model with discretionary and non-discretionary portfolio management, offering various wrap programs and integrating services from KeyCorp affiliates.

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.

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.

Colin Pratt is a CFP® professional with five years of industry experience, currently affiliated with Private Advisor Group, LLC. He also provides investment advice through Pratt Collard Advisory Partners LLC, operating under the business name Pratt Collard Buck Advisory Group. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans with discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting. The firm offers managed account solutions including proprietary platforms and third-party investment managers.

Charles Noonan is a financial advisor at Private Advisor Group, LLC with four years of industry experience. He holds a Series 65 designation and provides investment advice under the Pratt Collard Buck Advisory Group name. Prior to his current role, he worked at the University at Buffalo and St. Joseph's Collegiate Institute. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans with portfolio management, financial planning, and retirement plan consulting. The firm employs a fiduciary-based advisory model and utilizes proprietary and third-party technology platforms to offer a range of investment strategies and managed account solutions.

Robert Lucarelli is a financial advisor at Key Investment Services LLC with 35 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Key Investment Services since 2016. Key Investment Services LLC is an SEC-registered investment adviser and wrap-fee program sponsor that provides portfolio management and model-based advisory products to individuals, trusts, estates, small businesses, and institutional clients through a network of financial professionals. The firm utilizes a multi-provider model for portfolio implementation and offers integrated services with KeyCorp affiliates.

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 Donahue is a financial advisor at Key Investment Services LLC with 37 years of industry experience. He holds Series 63 and Series 66 designations. Prior to joining Key Investment Services in 2012, he worked at HSBC Securities (USA) Inc. for five years. Key Investment Services LLC is an SEC-registered investment adviser providing portfolio management and model-based advisory products to individuals, trusts, estates, small businesses, and institutional clients through a large network of financial professionals. The firm offers multiple wrap programs and utilizes a multi-provider model combining in-house and third-party management with integration across KeyCorp affiliates.

Robert Lucarelli is a financial advisor with Key Investment Services LLC, holding Series 63 and Series 66 licenses and three years of industry experience. His prior work includes roles at KeyBank NA and Alry Tool and Die. 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 through a network of financial professionals. The firm offers multiple wrap programs with custodial and trade execution services and uses a multi-provider model involving Envestnet, its Chief Investment Office, and third-party managers to design and implement strategist portfolios.

Patrick Gardner is a financial advisor at Key Investment Services LLC with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Key Investment Services since 2012. Key Investment Services LLC is an SEC-registered investment adviser and wrap-fee program sponsor that provides portfolio management and model-based advisory products to individuals, trusts, estates, small businesses, and institutional clients through a network of financial professionals. The firm uses a multi-provider model and integrates with KeyCorp affiliates to offer a range of investment and risk management services.

Patricia Schneider is a financial advisor with HSBC Securities (USA) Inc. in Buffalo, NY, holding Series 63 and Series 65 licenses and possessing 29 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 advisory firm. Outside of her financial career, Patricia teaches and manages costumes at Amazin'Grace Dance Studio and acts as Treasurer for the Lakeview Estates Homeowners Association. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charities, and corporations, offering both discretionary and non-discretionary investment solutions guided by a range of model risk profiles and supported by global asset management affiliates.

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.