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 and holds a Series 65 credential with one year of industry experience. He has worked as an estimator and project manager at 104 Contractors since 2018 and was previously employed at EW Howell from 2016 to 2018. Nevinger combines his roles in investment advisory and construction management. Comfort Capital Management is an independent, fee-only registered investment adviser formed in 2025. The firm provides investment management and financial planning services to individuals and high-net-worth clients, employing fundamental analysis and modern portfolio theory with a focus on passive strategies and tailored planning.

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 a Series 66 designation and has previously worked at Wells Fargo Clearing and Equitable Advisors. In addition to his advisory role, Ward serves as an enlisted soldier in the U.S. Army National Guard. Pinnacle Investments is a multi-team advisory firm managing over $1.2 billion across approximately 57 advisors, serving individuals, retirement plans, trusts, estates, and institutional clients. The firm offers a range of services including financial planning, portfolio management, and advisory consultations, utilizing both fundamental and technical analysis in investment strategies.

Lauren Heiman is a financial advisor with Allworth Financial, L.P. and holds Series 63 and Series 65 registrations. She has 11 years of industry experience, including roles at Muchler Financial Services and Securities Service Network, Inc. Outside of finance, she serves as an assistant coach for varsity high school volleyball. Allworth Financial serves a diverse client base, including high-net-worth individuals, pension plans, trusts, and charitable organizations, providing financial planning, portfolio management, and retirement consulting. The firm uses a combination of quantitative and qualitative analysis through an Investment Committee to implement customized investment strategies across various asset classes and offers both model and specialist portfolios.

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 at Key Investment Services LLC with three years of industry experience. He holds Series 66 and Series 63 licenses and has worked at KeyBank in various roles since 2017. 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 plans. The firm uses a multi-provider model and integrates with KeyCorp affiliates to offer a range of investment and advisory services.

Terry Muchler is a financial advisor at Allworth Financial, L.P. with 35 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at firms including Private Client Services and Securities America, Inc. Muchler serves as a Rotary Board Member and Foundation Chair in Dansville, NY. Allworth Financial serves a diverse client base including individuals, high-net-worth investors, and institutions, offering services such as financial planning, portfolio management, and retirement plan consulting. The firm uses a combination of quantitative and qualitative analysis to implement customized investment strategies and manages both wrap and non-wrap programs.

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 with Osaic Wealth, holding a Series 63 designation and bringing 37 years of industry experience. His prior roles include positions at Securities America Advisors and INVEST Financial Corp. Outside of his advisory work, he is involved in the sale of fixed life insurance products, fixed annuities, long-term care, and disability income through Future Financial Group in Nunda, NY. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporations. The firm offers a range of brokerage and advisory services emphasizing model-based asset allocation and portfolio optimization, supported by various managed account strategies and third-party platforms.

James Scott is an advisor at OSAIC with 33 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Securities America Advisors and Invest Financial Corporation. Outside of his advisory role, Scott also serves as a bus driver for the Clarence Central School District. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services utilizing model-based asset allocation, portfolio optimization, and multiple program platforms supported by a complex network of affiliated entities.

Heath Hendrickson is a financial advisor with OSAIC, holding a Series 66 designation and four years of industry experience. Prior to joining OSAIC, he worked at Securities America Advisors and Securities America, Inc. Outside of his advisory role, Hendrickson is a partner at Allied CPAs, PC, where he provides tax and accounting services, and is involved in a family-operated fruit tree farm. OSAIC Wealth serves a diverse client base, including retail and institutional investors, with a range of brokerage and advisory services supported by a multi-advisor platform. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, offering customizable strategies and third-party money manager programs.

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. Her background includes roles at Securities America Advisors and CPA firms, where she has also served as a director managing tax preparation and consulting. Outside of advisory work, she assists with financial oversight reporting for a local nonprofit youth organization. OSAIC Wealth serves a diverse client base, including individual investors, retirement plans, charities, and corporate clients, offering a range of brokerage and advisory services through a multi-advisor platform. The firm’s investment approach is model-based, combining asset allocation, portfolio optimization, and various managed account strategies supported by risk analysis tools.

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 has previously worked at LPL Financial and M&T Securities. OSAIC Wealth serves a diverse group of clients including individual investors, retirement plans, charities, and corporations, offering brokerage and advisory services through a multi-advisor platform. The firm employs a model-based investment process with portfolio optimization and provides access to various managed account strategies and third-party money managers.

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.