Ryan Coppola is a CFA® charterholder currently with Courier Capital, LLC, where he has worked since 2022. He has prior experience at Citigroup and spent several years in educational roles before entering the financial industry. Courier Capital, LLC provides investment management, retirement plan services, and financial planning to individuals, institutions, and charitable organizations. The firm uses a discretionary asset-allocation approach and conducts ongoing manager due diligence through an Investment Committee.

Jason Stronz is a financial advisor at Courier Capital, LLC with four years of industry experience. He has been with Courier Capital since 2012, working in various capacities over that time. Courier Capital, LLC provides investment management, retirement plan services, individual financial planning, and investment consulting to individuals, banking institutions, charitable endowments, and pension or profit-sharing plans. The firm manages client assets on a discretionary basis using a range of asset-allocation models and conducts thorough manager due diligence through its Investment Committee.

Thomas Hanlon is a CFP® professional with eight years of experience at Courier Capital, LLC, where he has worked since 2016. He is based in Buffalo, NY. Courier Capital, LLC provides investment management, retirement plan services, individual financial planning, and investment consulting to a diverse client base, including high-net-worth individuals, banking institutions, charitable endowments, and pension or profit-sharing plans. The firm manages client assets primarily on a discretionary basis using asset-allocation models and conducts ongoing due diligence through an Investment Committee.

Peter Grogan is a CFP® with 43 years of experience in the financial industry. He has been with United Capital Financial Advisors since 2012 and previously worked at Girard Securities, Inc. He serves as treasurer and trustee for the Julian R & Varue W Oishei Foundation, a nonprofit organization. United Capital Financial Advisors provides financial planning and investment management services nationally to individuals, corporations, retirement plans, charitable organizations, and institutional clients. The firm manages accounts primarily on a discretionary basis using asset-allocation models and offers portfolio customization, client-facing technology, and access to both internal and third-party investment strategies.

Jeffrey Kamien is a financial advisor at LaSalle St. Investment Advisors, L.L.C. with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has been with LaSalle St. Investment Advisors and LaSalle St. Securities since 2011. Outside of his advisory role, he serves as Tournament Director and a board member for the International Junior Golf Masters, overseeing finance, player development, publicity, and tournament coordination. LaSalle St. Investment Advisors provides personalized financial planning and investment supervisory services to individuals, trusts, estates, pension plans, charitable organizations, and small businesses. The firm offers both non-discretionary and discretionary investment management programs and manages a predominance of non-discretionary assets, distinguishing its operational approach.

Jon Zach is a CFP® with 21 years of industry experience, currently serving at LaSalle St. Investment Advisors, L.L.C. He has worked at LaSalle St Securities LLC since 2015 and has been a partner at Zach & Cywnski LLC since 2014. In addition to his advisory roles, he is a partner at ZLC Group, a CPA affiliate specializing in accounting, audit, and tax preparation. LaSalle St. Investment Advisors provides personalized, fee-based financial planning and investment supervisory services to a diverse client base, including individuals, trusts, pensions, and charitable organizations. The firm offers both non-discretionary and discretionary management programs, with a notable emphasis on non-discretionary assets.

Timothy Reed is a ChFC® with 28 years of experience in the financial industry. He has been with LaSalle St. Investment Advisors, L.L.C. and its affiliated broker-dealer since 2006. In addition to his advisory role, he is appointed with an insurance company for fixed insurance sales. LaSalle St. Investment Advisors provides personalized financial planning and investment supervisory services to individuals, trusts, estates, pension and profit-sharing plans, charitable organizations, and small businesses. The firm offers both non-discretionary and discretionary managed programs, utilizing a mix of asset allocation models, mutual funds, ETFs, equities, fixed income, and options.

Meaghan Wright is a CFP® with 10 years of industry experience, currently serving as an advisor at Manning & Napier Advisors, LLC. She has been with Manning & Napier since 2014 in various capacities. Manning & Napier Advisors, LLC provides investment advisory services primarily to institutional clients and pooled vehicles while also managing separately managed accounts and offering fiduciary retirement plan services and custom wealth management solutions. The firm employs a team-based, strategy-specific investment process that combines top-down macro analysis with bottom-up security selection.

Kurt Knoess is a financial advisor at M HOLDINGS SECURITIES, Inc. with 11 years of industry experience. He holds Series 63 and Series 65 licenses. His prior work includes roles at MML Investors Services, MassMutual, and Foresters Financial Services. M HOLDINGS SECURITIES, Inc. serves a diverse client base including individuals, retirement plans, charitable organizations, and corporations through a nationwide network of independent firms and financial professionals. The firm provides a broad range of advisory and brokerage services, including discretionary investment management, retirement plan consulting, and insurance advisory.

Bartolo Panepinto is a financial advisor at HSBC Securities (USA) Inc. with 24 years of industry experience. He holds Series 63 and Series 66 designations and has been with HSBC Securities since 2016. 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 process developed with HSBC Global Asset Management and utilizes affiliated and third-party providers for advisory, fund selection, and administrative services.

Gregory Ahrens is a CFP® and ChFC® with 18 years of experience in financial services. He is currently affiliated with Primerica Advisors and Park Avenue Securities, having worked with Guardian Life Insurance Company and Park Avenue Securities since 2011. He operates under the formal DBA Praxis Financial Group LLC, focusing on financial planning. Park Avenue Securities serves a diverse retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers both brokerage and advisory services, employing multiple proprietary and third-party investment strategies across a range of account types.

Matthew Collard is a financial advisor with Private Advisor Group, LLC, holding Series 63 and Series 65 licenses and five years of industry experience. He previously worked for Pratt Collard Buck Advisory Group for ten years. Mr. Collard serves as the Honorary Consul of the Federal Republic of Germany for the eight western New York State counties. Private Advisor Group provides portfolio management, financial planning, and retirement plan consulting to individuals, trusts, estates, charitable organizations, businesses, and retirement plans. The firm’s fiduciary-based advisory model utilizes both proprietary platforms and third-party managers to deliver a range of investment strategies.

Janet Ross is a CFP® with 33 years of industry experience, currently serving as a financial advisor at GWN Securities Inc. since 2005. She maintains a life insurance license in New York, allowing her to offer related products when appropriate. Outside of her advisory role, she is also a Mary Kay consultant and a licensed notary. 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 operates a large network of advisors and offers a range of managed-account programs, including traditional asset-allocation and legacy market-timing strategies.

Thomas Griffin is a financial advisor at HSBC Securities (USA) Inc. with 17 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at HSBC Securities and related entities since 2010, with prior experience at Citigroup and Key Investment Services. Outside of his advisory role, Griffin volunteers as an assistant coach for a travel soccer team in Buffalo, NY. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations through various client-directed and discretionary platforms. The firm uses five model risk profiles and incorporates strategic and tactical asset allocation with ongoing fund due diligence and monitoring, offering both onshore and offshore investment options.

Jacob Kantor is a financial advisor with Key Investment Services LLC, holding Series 63 and Series 66 licenses and five years of industry experience. His prior roles include positions at KeyBank, MML Investors Services LLC, MassMutual Life Insurance Company, and New York Life Insurance Co. He has also worked at Minnesota Hockey Camps and the University of Buffalo. Key Investment Services LLC is an SEC-registered investment adviser that provides portfolio management and model-based advisory products to individuals, trusts, estates, small businesses, and institutional clients. The firm uses a multi-provider model for portfolio implementation and offers various wrap-fee programs supported by affiliated insurance products and integration with KeyCorp affiliates.

Christian Thompson is a financial advisor with HSBC Securities (USA) Inc. in Buffalo, NY, holding a Series 66 credential and one year of industry experience. Prior to joining HSBC Securities and HSBC Bank USA, N.A. in 2025, he worked at Mass Mutal Investors Services and MassMutual Life Insurance Co from 2022 to 2025. Outside of his advisory role, Thompson is active as a social media influencer on TikTok, where he creates content focused on Reddit and fictional first-date stories. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charities, and corporations, providing various program types including client-directed and fully discretionary portfolios. The firm employs a multi-profile investment process and partners with affiliated and third-party providers for advisory, fund selection, and custody services.

Mary Juliet Manavalan is a registered representative with HSBC Securities (USA) Inc. and has 11 years of industry experience. She holds Series 63 and Series 66 credentials and also serves as a Bank Officer for HSBC Bank (USA) N.A., an affiliate of her broker-dealer, where she engages in the sale of bank-related products and services. Her tenure with HSBC entities dates back to 2014. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations through various client-directed and discretionary strategies. The firm employs model risk profiles and combines strategic and tactical asset allocation with global fund due diligence, offering a distinctive range of managed and non-discretionary portfolio options, including specialized programs for private bank clients and offshore investors.

Thomas Youngman is a financial advisor with Primerica Advisors in Buffalo, NY, holding a Series 63 designation and 18 years of industry experience. He has been with Primerica Advisors and Guardian Life Insurance Co of America since 2011. Outside of his advisory work, he serves as Vice Chair of Membership, PR & Branding on the board of the Wanakah Country Club. Primerica Advisors is part of Park Avenue Securities LLC, which serves a broad retail client base including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers both brokerage and advisory services, utilizing proprietary and third-party investment strategies across various account types.

Jacob Kuebel is a financial advisor at Empower Advisory Group with two years of industry experience. He holds the Series 66 designation and previously worked at Equitable Advisors, LLC. Outside of finance, his background includes roles in community organizations and educational institutions. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, along with Empower Premier IRA and retail brokerage account holders. The firm’s integrated service model leverages proprietary and third-party methodologies focused on long-term portfolio returns and is closely tied to Empower’s recordkeeping and administrative platforms.

Pamela Hintermeier Abati is a financial advisor with VOYA Financial Advisors, Inc., holding a Series 63 designation and bringing 38 years of industry experience. She has been with VOYA Financial Advisors since 2014 and operates a tax preparation business that she has run since 1980. Additionally, she is an independent insurance agent specializing in fixed life and health insurance products. VOYA Financial Advisors, Inc. serves individual clients, including high-net-worth individuals, as well as pension plans, charitable organizations, and corporate clients. The firm offers a range of financial planning and portfolio management services through a large network of advisors, employing both in-house and external strategies supported by technology-enabled tools.