Willard Saperston is a financial advisor at Saperston Legacy Advisors, Inc. with 48 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with several related firms, including his own family-named entities dating back to 1981. Saperston Legacy Advisors provides investment supervisory services and individual portfolio management to retail and high-net-worth individuals, pension plans, charitable organizations, and corporate clients. The firm emphasizes technical and momentum-based analysis alongside fundamental review, offering discretionary and non-discretionary management through proprietary asset-allocation programs and consulting services.

David Braunstein is a financial advisor at Saperston Legacy Advisors, Inc. with 49 years of industry experience. He holds Series 65 and Series 63 licenses and has previously worked at Brighton Securities Corp and Saperston Asset Management, Inc. His current role began in 2025. Saperston Legacy Advisors provides investment supervisory services and portfolio management to retail and high-net-worth individuals, as well as pension plans, charitable organizations, and corporate clients. The firm applies technical and momentum-based analysis alongside fundamental review, offering both discretionary and non-discretionary management through proprietary asset-allocation programs.

Kristina Saperston is a financial advisor at Saperston Legacy Advisors, Inc. in Hamburg, NY, holding Series 63 and Series 65 licenses with 17 years of industry experience. Her work history includes roles at Brighton Securities Corp and multiple related businesses under the Saperston name. She is involved in several affiliated companies offering private client services and real estate brokerage. Saperston Legacy Advisors provides investment supervisory services and portfolio management to retail and high-net-worth individuals, pension plans, charitable organizations, and corporate clients. The firm emphasizes technical and momentum-based analysis alongside fundamental review, using proprietary asset-allocation programs and various research sources.

James Taylor III is a financial advisor at Saperston Legacy Advisors, Inc. with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Brighton Securities Corp, First Allied Securities Inc., and Summit Wealth Management Inc. Saperston Legacy Advisors provides investment supervisory services and portfolio management to retail and high-net-worth individuals, pension plans, charitable organizations, and corporate clients. The firm uses proprietary asset-allocation programs and emphasizes technical and momentum-based analysis alongside fundamental review in its investment approach.

Angela Hall is a CFP® with 17 years of industry experience. She is currently with Note Advisors, LLC and has held prior roles at GCW Capital, Sterling Investment Counsel, LPL Financial, Jensen Marks Langer and Vance, Sii Investments, and Morgan Stanley. Outside of her advisory work, she is an Independent Insurance Agent specializing in various life and health insurance products. Note Advisors serves individuals, families, trusts, charitable organizations, pensions, and corporations, with a focus on high-net-worth households. The firm emphasizes a financial planning-driven approach and offers in-house tax preparation, wealth coaching, estate-planning assistance, and discretionary asset management.

Christopher Hull is a CFP® and ChFC® with 21 years of industry experience. He is currently with Creative Financial Designs, Inc., where he has worked since 2024, and previously held positions at Cetera Investment Services LLC and MassMutual. In addition to his advisory role, Hull is involved in independent insurance sales, focusing on life, disability income, and long-term care insurance products. Creative Financial Designs serves individual, charitable, corporate, and retirement plan clients with a range of investment management and financial planning services. The firm employs asset-class model allocations informed by third-party research and offers diverse strategies, including Biblical Responsible Investing, with both discretionary and non-discretionary execution options.

Gerald Ginley is a financial advisor with HSBC Securities (USA) Inc. and holds Series 63 and Series 65 licenses. He has 29 years of experience in the industry and has been with HSBC Securities (USA) Inc. since 2015 and HSBC Bank USA, N.A. since 2016. In addition to his role as a registered representative, he also serves as a Bank Officer for HSBC Bank (USA) N.A., engaging in the sale of bank-related products and services. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations, offering both client-directed and discretionary investment options supported by a structured risk-profile and asset-allocation process.

Thomas Yokum is a financial advisor with Key Investment Services LLC, holding Series 63 and Series 65 licenses and three years of industry experience. His background includes roles at UBS Financial Services, LPL Enterprise LLC, and KeyBank. Outside of finance, he has experience in tutoring and worked in various non-financial roles prior to his advisory career. Key Investment Services LLC is an SEC-registered investment adviser that serves individuals, trusts, estates, small businesses, and institutional plan clients through a network of financial professionals. The firm offers multiple wrap-fee programs and employs a multi-provider model with portfolio management and discretionary implementation services.

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.

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.

James Eiseman is a financial advisor with Eagle Strategies (NY Life) based in Hamburg, NY, holding Series 63 and Series 66 credentials and bringing 13 years of industry experience. He has worked with ROI Financial Group, Eagle Strategies, New York Life Insurance Company, and NYLife Securities LLC. Outside of his advisory role, Eiseman is involved in cryptocurrency investing and serves as an insurance broker for non-registered insurance products. Eagle Strategies serves a diverse client base including individual investors, institutional clients, and plan sponsors, offering financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored recommendations and manages the majority of its assets on a non-discretionary basis within an integrated New York Life structure.

Tyler Marriott Wells is a financial advisor at Citizens Securities, Inc. with seven years of industry experience. He holds the Series 66 designation and previously worked at Edward Jones and CVS Pharmacy. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and retirement plans, offering investment advisory programs alongside brokerage and insurance services. The firm provides a digital advisory program and a Managed Account program, operating as both a broker-dealer and insurance agency.

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.

Liam Davis is a Series 66-registered financial advisor with LPL Financial, based in Hamburg, NY, and has four 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 broad range of advisory and brokerage services, utilizing model portfolios, third-party subadvisors, and customized strategies across multiple asset classes.

Andre Brassard is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 35 years of industry experience. He previously worked for M&T Securities, Inc. for 23 years before joining LPL Financial in 2021. 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 range of services including financial planning, model portfolios, third-party asset management, and institutional platforms, supporting advisors with various investment strategies and operational tools.

Patricia Sargent is a CFP® with 23 years of industry experience, currently serving as a financial advisor at LPL Financial. Her prior roles include positions at Cadaret, Grant & Co., Inc., Mass Mutual Investors Services, and Metlife Securities. She also operates Davis Financial Services, a business related to her LPL advisory activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment solutions, utilizing both proprietary and third-party models, supported by technology tools and a broad array of non-advisory financial services.

Peter Grimm is a financial advisor with LPL Financial, holding Series 63, 65, and 66 designations and 31 years of industry experience. He previously worked for NEXT Financial Group for 16 years before joining LPL Financial in 2025. Grimm is also licensed as an insurance agent with activities in fixed annuities and life/health insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by various advisor-facing tools and a large network of over 22,800 advisors.

James Coupe is a financial advisor with LPL Financial in Hamburg, NY, holding a Series 66 designation and five years of industry experience. His prior roles include positions at Cadaret, Grant & Co., Inc. and Edward Jones. He serves on the boards of the Lions Club of Boston NY and the Eden Chamber of Commerce. 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 range of financial planning and investment management services through a large network of advisors, utilizing both proprietary and third-party portfolio solutions.

David Hirschbine is a financial advisor with LPL Financial based in Hamburg, NY, holding Series 63 and 65 licenses and bringing 18 years of industry experience. He has been affiliated with LPL Financial since 2010 and has worked at Northwest Bank since 2016. 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 and access to model portfolios and third-party asset managers, supported by various technological and operational tools.

Michael Silkowski is a financial advisor with LPL Financial, holding a Series 63 designation and 14 years of industry experience. He has worked with LPL Financial since 2016 and has prior experience at Evans Investment Services and Evans Bank. He also serves as a notary public. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, with a broad range of strategic and tactical investment options.

Richard Campbell II is a CFP® professional with 24 years of experience at Equitable Advisors, where he has worked since 2002. He previously held a position at Axa Advisors, LLC from 2002 to 2020. He serves on the Hamburg Finance Academy Advisory Board. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm employs a range of advisory models and programs, utilizing third-party asset managers and LPL-sponsored advisory platforms.

Thomas Domin is a CFP® with 22 years of industry experience, currently serving at Raymond James Financial. His prior roles include positions at Noble Wealth Partners, Crux Wealth Advisors, TIAA, and HSBC Securities. In addition to his advisory work, he is involved as an agent providing life insurance and long-term care solutions and serves on the board of directors for his support company, contributing to its growth initiatives. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, institutions, and charitable organizations. The firm employs tailored, non-discretionary planning using analytical tools and supports clients through various advisory programs and institutional consulting.

Ronald Yoviene is a financial advisor with LPL Financial in Hamburg, NY, holding a Series 63 designation and 35 years of industry experience. He has worked at Lincoln Financial Advisors Corporation and Lincoln Financial Securities Corporation before joining Commonwealth Financial Network and Black Diamond Custom Wealth Management, which he owns. He also owns Black Diamond Custom Medicare Solutions, a Medicare agency. 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 range of financial planning and investment management services through a large network of advisers, utilizing various strategic, tactical, and alternative investment approaches.

Douglas Lafay is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has worked at firms including Franklin Templeton and Cadaret, Grant & Co., and currently serves as president of Lafay Strategies Group, Inc. and Concord Wealth Management, both investment-related entities. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a multi-manager platform offering a range of portfolio management and financial planning services.

Gerald Ogilvie IV is a financial advisor at Equitable Advisors with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Equitable Advisors since 2015, including prior service at AXA Advisors, LLC. Equitable Advisors serves individuals across the wealth spectrum, pension and profit-sharing plans, corporations, and charitable organizations by providing financial planning, retirement plan consulting, and various asset-management programs. The firm delivers its services through a network of Investment Adviser Representatives and utilizes a mix of proprietary and third-party advisory programs and managers.

Kevin Birt is a financial advisor with LPL Financial in Hamburg, NY, holding Series 63 and Series 66 licenses and has 24 years of industry experience. His prior roles include positions at Black Diamond Custom Wealth Management, Commonwealth Financial Network, Lincoln Financial Securities, and HSBC Securities. Outside of his advisory work, he participates as an experimental participant at the University at Buffalo and is involved in product tasting for Lactalis USA. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and portfolio management options, supporting its network of over 22,900 advisors with advanced operational and research tools.

Joseph Gunning is a financial advisor with LPL Financial in Hamburg, NY, holding a Series 63 designation and 16 years of industry experience. He has worked at Davis Financial and Cadaret, Grant & Co., Inc. Prior to joining LPL Financial, he maintained a DBA business entity under Davis Financial Service. He also is a licensed notary and a producer of non-variable insurance products. 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 offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by both discretionary and non-discretionary strategies.

Joshua Haueise is a CFP®-designated financial advisor with eight years of industry experience. He is currently with LPL Financial and has previously worked at Black Diamond Custom Wealth Management, Commonwealth Financial Network, and Lincoln Financial Securities. Outside of his advisory role, he is involved in fixed insurance sales. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning, portfolio management, and institutional platforms, supported by technology and extensive non-advisory financial services.