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 with Saperston Legacy Advisors, Inc. He holds Series 65 and Series 63 licenses and has 49 years of industry experience. His prior roles include positions at Brighton Securities Corp and Saperston Asset Management, Inc. 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 employs 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.

Amanda Dorolek is a financial advisor with Portfolio Medics, LLC, holding Series 63 and Series 65 licenses. She has experience in tax consulting and business development from 2023 to 2026 and spent 17 years with the New York State Department of Taxation and Finance. Amanda is also involved with Wack Enterprises DBA Sundae CPA. Portfolio Medics provides investment advisory and financial planning services primarily to individuals, high-net-worth clients, small businesses, retirement plans, and charitable organizations. The firm offers customized portfolios using diversified mutual funds, ETFs, individual stocks, and bonds, combining various analytical strategies to align with client objectives and risk tolerance.

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. in Hamburg, NY, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with HSBC Securities since 2015 and concurrently serves as a bank officer for HSBC Bank USA, N.A., an affiliate of the firm. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations, offering both client-directed and fully discretionary portfolio options. The firm combines strategic and tactical asset allocation advice with a multi-model risk profile approach, supported by affiliated and third-party providers for fund selection and account management.

Thomas Yokum is a financial advisor at Key Investment Services LLC with three years of industry experience. He holds Series 65 and Series 63 licenses and has previously worked at UBS Financial Services and LPL Enterprise LLC. Outside of advising, he has experience in tutoring and worked at companies such as Ikea and OASIS Ascent. 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 investment decisions supported by non-binding recommendations and ongoing oversight, operating as part of the KeyCorp group with strong affiliations to KeyBank and KeyBanc Capital Markets.

Ronald Yoviene is a financial advisor at Commonwealth Financial Network with 35 years of industry experience. He holds the Series 63 designation and has worked previously at Lincoln Financial Advisors Corporation and Lincoln Financial Securities Corporation. He is also the owner of Black Diamond Custom Wealth Management, Inc. and Black Diamond Custom Medicare Solutions, LLC. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors. The firm offers a broad platform including managed-account programs, access to third-party asset managers, and custody services, managing around $212.7 billion in client assets.

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 been with Key Investment Services LLC since 2016. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through various advisory programs, including wrap-fee programs, model portfolios, and separately managed accounts. The firm emphasizes client-directed investment choices supported by ongoing monitoring and due diligence, and operates within the KeyCorp group with affiliations to KeyBank and KeyBanc Capital Markets.

Robert Lucarelli is a financial advisor at Key Investment Services LLC with three years of industry experience. He holds Series 63 and Series 66 licenses. Prior to joining Key Investment Services, he worked at KeyBank NA and spent nine years at Alry Tool and Die. Key Investment Services LLC serves individuals, trusts, estates, small businesses, and corporate clients through various advisory programs, including wrap-fee programs, model portfolios, and separately managed accounts. The firm emphasizes client-directed model selection and ongoing monitoring, while providing access to third-party discretionary managers and maintaining supervisory oversight.

Patrick Gardner is a financial advisor with Key Investment Services LLC in Hamburg, NY. He holds Series 63 and Series 65 licenses and has 14 years of industry experience. Gardner has been with Key Investment Services since 2012. Key Investment Services LLC provides advisory services to individuals, trusts, estates, small businesses, and corporate clients through various programs including wrap-fee advisory, model portfolios, and separately managed accounts. The firm emphasizes client-directed investment strategy selection and performs due diligence on third-party advisory products while offering access to discretionary money managers and ongoing portfolio oversight.

Kevin Birt is a financial advisor at Commonwealth Financial Network with 23 years of industry experience. He holds the Series 63 and Series 66 designations and has previously worked at firms including Lincoln Financial Securities, HSBC Securities, and Scottrade. Outside of his advisory role, he participates as an experimental research subject at the University at Buffalo and is involved in cheese tasting for Lactalis USA. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and support services, including discretionary model portfolios and customized investment solutions.

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.

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.

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 financial advisor at LPL Financial with three years of industry experience. He holds the Series 66 designation and has previously worked at Cadaret Grant & Co., Inc. and Equitable Advisors LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and model portfolios.

Andre Brassard is a financial advisor at LPL Financial with 35 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at M&T Securities, Inc. for 23 years before joining LPL Financial in 2021. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, with access to model portfolios, research, and various investment strategies.

Patricia Sargent is a CFP®-designated financial advisor with 23 years of industry experience. She is currently with LPL Financial and has previously worked at Cadaret, Grant & Co., Inc., Mass Mutual Investors Services, and MetLife in various capacities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers financial planning, advisory programs, and retirement plan consulting supported by research and a variety of portfolio management options.

Peter Grimm is a financial advisor with LPL Financial and holds Series 63, 65, and 66 licenses. He has 31 years of industry experience, including 17 years with NEXT Financial Group prior to joining LPL Financial. He is also licensed as an insurance agent, providing fixed annuities and life/health insurance products. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, with access to model portfolios, third-party research, and technology-driven investment strategies.

James Coupe is a Series 66-licensed financial advisor with LPL Financial, bringing four years of industry experience. He previously worked at Cadaret, Grant & Co., Inc. and Edward Jones, and has a background outside finance in the automotive sector. Coupe serves as a board member for the Lions Club of Boston NY and the Eden Chamber of Commerce. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and nonprofits through a nationwide network of representatives. The firm offers a broad range of advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management alongside research and model portfolios.

David Hirschbine is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. He has worked at LPL Financial since 2010 and has been associated with Northwest Bank since 2016. His activities include referring clients to bank partners at Northwest Bank. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients, including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm provides a variety of advisory programs and financial planning services supported by research, model portfolios, and technology-driven investment strategies.

Michael Silkowski is a financial advisor with LPL Financial in Hamburg, NY, holding a Series 63 designation and 14 years of industry experience. His prior roles include positions at Evans Investment Services and Evans Bank. Outside of his advisory work, he is a notary public. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Richard Campbell II is a financial advisor with Equitable Advisors in Hamburg, NY, holding a Series 66 designation and 23 years of industry experience. He has been with Equitable Advisors since 2002 and was previously associated with Axa Advisors, LLC for 18 years. He serves on the Hamburg Finance Academy Advisory Board. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model that emphasizes tailored client intake and offers both advisory and brokerage channels for client recommendations.

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 with Equitable Advisors, holding Series 63 and Series 66 credentials and 11 years of industry experience. He has worked at Equitable Advisors since 2015, including its predecessor AXA Advisors, LLC. Equitable Advisors serves a wide range of clients including individuals, high-net-worth individuals, retirement plans, corporations, charitable organizations, and institutions. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs through both advisory and brokerage solutions.

Joseph Gunning is a financial advisor with LPL Financial, holding a Series 63 designation and 16 years of industry experience. He has worked at LPL Financial since 2025 and has held prior roles at Davis Financial and Cadaret, Grant & Co., Inc. Gunning also maintains a notary commission and acts as a non-variable insurance producer through a separate business activity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios, third-party subadvisors, and research from LPL Research.