Lucas Englehardt is a Series 65 licensed advisor affiliated with Turtle Wealth. He has 18 years of self-employed experience and has been with Turtle Wealth since its founding in 2026. Turtle Wealth is a fee-only registered investment adviser that serves individuals and high-net-worth clients with wealth management and financial planning. The firm’s investment approach uses Modern Portfolio Theory with a mix of passive and active strategies and offers written financial plans alongside group educational seminars.

Michael Nevinger is the sole advisor at Comfort Capital Management, an independent registered investment adviser. He holds a Series 65 designation and has recently founded the firm in 2025. Outside of his advisory work, Nevinger is an estimator and project manager in the construction industry through his role at 104 Contractors, which he has held since 2018. Comfort Capital Management provides fee-only investment management and financial planning services to individuals and high-net-worth clients. The firm employs a fundamental analysis and modern portfolio theory approach, emphasizing asset allocation and passive fund strategies.

Christopher Yuskiw is a financial advisor at HYJC Capital of WNY with 20 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at HNP Capital LLC, LPL Financial, and Five Star Bank. HYJC Capital of WNY provides portfolio management and financial planning services to individuals, including high-net-worth clients, charitable organizations, and business entities. The firm customizes portfolios based on clients’ goals and risk tolerance, using a combination of cyclical and fundamental analysis along with modern portfolio theory.

John Haugh is a CFP® with 28 years of experience in the financial industry. He is currently with HYJC Capital of WNY, where he has worked since 2023, and has prior experience at HNP Capital LLC, LPL Financial LLC, and Five Star Bank. HYJC Capital of WNY provides advisory services to individuals, high-net-worth clients, charitable organizations, and business entities, offering portfolio management and financial planning. The firm’s investment approach includes cyclical and fundamental analysis along with modern portfolio theory, delivering both discretionary and non-discretionary management with regular monitoring and reviews.

Christina Hand is a financial advisor with Blackridge Asset Management, LLC, holding a Series 63 designation and 22 years of industry experience. She has worked with Blackridge since 2021 and has prior experience at Independent Solutions Wealth Management and Peak Brokerage Services. Outside of her advisory role, she owns and operates Germack Financial, a firm offering tax preparation, bookkeeping, payroll, and investing services, and also manages a sole proprietorship specializing in insurance and annuities. Blackridge Asset Management provides financial planning, investment management, and consulting services to individuals, high-net-worth clients, trusts, estates, corporations, retirement plans, and charitable organizations. The firm employs a network model with discretionary and non-discretionary portfolio management, utilizing fundamental and technical analysis alongside asset allocation and diversification strategies.

William Ward is a financial advisor at Pinnacle Investments, LLC with 12 years of industry experience. He holds the Series 66 designation and previously worked at Wells Fargo Clearing, Wells Fargo Advisors LLC, and Equitable Advisors. In addition to his advisory role, Ward serves as an enlisted soldier in the U.S. Army National Guard. Pinnacle Investments, LLC is a multi-team advisory firm managing over $1.2 billion across 57 advisors, serving individuals, retirement plans, trusts, estates, and institutional clients. The firm provides financial planning, portfolio management, and advisory consultations, utilizing both fundamental and technical analysis within tailored investment strategies.

Lauren Heiman is a financial advisor with Allworth Financial, L.P. She holds Series 63 and Series 65 licenses and has 11 years of industry experience. Her prior roles include positions at AW Securities, Private Client Services, and Securities Service Network, among others. Outside of her financial advisory career, she serves as an assistant varsity volleyball coach at Wayland Cohocton Central School. Allworth Financial is a fee-based SEC-registered adviser serving a diverse client base including high-net-worth individuals, qualified retirement plans, trusts, estates, charitable organizations, and corporate clients. The firm offers customized portfolio management using a variety of strategies, including model portfolios and specialized ETF approaches, and integrates technology to manage held-away retirement accounts without client login credentials.

Camilla Merrick is a financial advisor with Key Investment Services LLC and holds the ChFC® designation, along with Series 63 and Series 66 licenses. She has 31 years of industry experience, including prior roles at M&T Bank, M&T Securities, Inc., LPL Financial LLC, and Wall Street Financial Group, Inc. 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 plans through a network of financial professionals. The firm utilizes a multi-provider model with discretionary and non-discretionary options and integrates services from KeyCorp affiliates, including KeyBank and KeyBanc Capital Markets.

Alec Schumacher is a financial advisor with Key Investment Services LLC, holding Series 63 and Series 66 credentials and three years of industry experience. His professional background includes several roles at KeyBank dating back to 2017, as well as experience at Fetch Logistics, Shoe Show Inc., and Daemen College. 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 through a network of financial professionals. The firm uses a multi-provider model for portfolio implementation and emphasizes non-discretionary asset management alongside wrap-fee programs.

Terry Muchler is a financial advisor with Allworth Financial, L.P. He holds Series 63 and Series 65 credentials and has 35 years of industry experience. His prior roles include positions at Muchler Financial Services and Securities America, Inc. He serves as a Rotary board member and foundation chair in Dansville, NY. Allworth Financial is a fee-based SEC-registered adviser serving individuals, qualified retirement plans, trusts, estates, charitable organizations, and corporate clients. The firm offers customized portfolio management using various model strategies and employs technology solutions to manage held-away employer retirement accounts.

Nicole Jones is a financial advisor with J.W. Cole Advisors, Inc., holding a Series 63 license and 10 years of industry experience. Her previous roles include positions at Ameritas Advisory Services, LLC, Ameritas Investment Corp, and United Professional Advisors. Outside of advisory work, she is involved in insurance sales through Lifetime Planning, Inc. and Fixed Insurance, where she advises clients on life insurance, annuities, disability, and long-term care products. J.W. Cole Advisors is an SEC-registered firm serving individuals, charities, corporations, and retirement plans through a national network of over 400 independent investment adviser representatives. The firm offers portfolio management, financial planning, and access to various managed account solutions, with investment decisions implemented on both discretionary and non-discretionary bases.

Gary Everts is a financial advisor at OSAIC with 37 years of industry experience. He holds a Series 63 designation and has previously worked at Securities America Advisors and INVEST Financial Corp. Everts is also involved with Future Financial Group, where he is a broker focusing on the sale of fixed life insurance, fixed annuities, long-term care, and disability income products. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing firm-provided tools and third-party platforms to construct portfolios across various asset classes managed on discretionary or non-discretionary bases.

James Scott is a financial advisor at OSAIC with 33 years of industry experience. He holds Series 63 and Series 66 credentials and previously worked at Securities America Advisors and Invest Financial Corporation. Outside of his advisory work, he serves as a bus driver for the Clarence Central School District. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, corporations, and charitable organizations through a large network of advisers. The firm provides integrated brokerage and advisory services with a focus on asset allocation, efficient-frontier analysis, and access to third-party money managers and wrap programs.

Heath Hendrickson is a financial advisor at OSAIC with four years of industry experience and holds a Series 66 designation. He has prior experience with Securities America Advisors and Allied CPA's, PC, where he is a partner providing tax and accounting services. Outside of his advisory role, he is involved in a family farm focused on cultivating fruit trees. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers. The firm utilizes asset-allocation tools and automated rebalancing to construct diversified portfolios and supports various managed-account solutions.

Kaelah Granger is a CFP® professional with five years of industry experience, currently with Cetera. She has been affiliated with Cetera and Cetera ADVISORS LLC since 2021. Prior to her financial advisory roles, she worked at the University of Rochester from 2016 to 2024. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, retirement, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and planning services with a multi-manager platform, managing over $256 billion in assets across more than 10,000 advisors.

Aimee Berkemeier is a financial advisor with OSAIC, holding a Series 66 designation and four years of industry experience. She has worked at OSAIC since 2022 and has prior experience with Securities America Advisors and Securities America, Inc. In addition to her advisory role, she serves as Director at Allied CPAs PC and provides financial oversight by compiling monthly financial reports for Genesee County Young Life, a local nonprofit chapter. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of advisors and multiple advisory platforms. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and various investment options to build customized portfolios.

Lea Bancroft is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and bringing 36 years of industry experience. She has been with MML Investors Services, Inc. and Massachusetts Mutual Life Insurance Company since 1996. Outside of her advisory role, Bancroft is a partner in a restaurant/bar and a martial arts instructor in Mount Morris, NY. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements using firm-approved analytical tools and also provides educational seminars and specialized planning services.

Autumn Smith is a financial advisor at OSAIC with 20 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at LPL Financial and M&T Securities. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers a range of integrated brokerage and advisory services and employs various asset-allocation and portfolio construction tools across multiple investment platforms.

Pamela Rudolph is a financial advisor with LPL Financial, holding a Series 63 designation and 28 years of industry experience. She has worked at LPL Financial since 2014, with additional experience at Tompkins Trust Company and ESL Investment Services LLC. Outside of her advisory work, she is involved with The Village of Attica in a non-investment capacity. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing financial planning and investment services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory strategies, including model portfolios and third-party asset management, supported by advanced research and operational tools.

Joseph Fox is a financial advisor with LPL Financial based in Warsaw, NY. He holds the Series 66 designation and has seven years of industry experience. His prior roles include positions at Citizens Securities Inc., JPMorgan Chase Bank, N.A., and J.P. Morgan Securities. 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 advisory and brokerage services including financial planning, model portfolio programs, and institutional platforms, supporting over 22,800 advisors and managing more than $819 billion in discretionary assets.

Carolyn Phillips is a financial advisor with MassMutual Investors Services in Mount Morris, NY, holding Series 63 and Series 65 licenses and possessing 22 years of industry experience. She has been with MML Investors Services, Inc. since 2003 and MassMutual Financial Group since 2001. Outside of her advisory role, Phillips serves as treasurer for the First Church of Christ, Scientist, overseeing financial activities and reporting. MML Investors Services, LLC operates as a subsidiary of MassMutual, providing financial planning and investment services to individuals, business owners, trusts, estates, charitable organizations, and employers through a structured, collaborative advisory process.

Steven Lang is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in areas including college education planning, corporate benefits, executive compensation, equity compensation services, family wealth management strategies, legacy planning, and retirement income. Steven holds a Bachelor's Degree from Hobart College and has earned professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He approaches client relationships with compassion and empathy, treating his clients as if they are family. Outside of his professional role, Steven enjoys spending time with his family, playing ice hockey, and woodworking.