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 63 and Series 65 licenses and has worked at several firms including Brighton Securities Corp and Saperston Asset Management, Inc. prior to joining his current firm. 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 employs a combination of technical and momentum-based analysis alongside fundamental review, offering discretionary and non-discretionary management through proprietary asset-allocation programs focused on mutual funds, stocks, bonds, and ETFs.

Kristina Saperston is a financial advisor at Saperston Legacy Advisors, Inc. with 16 years of industry experience. She holds Series 63 and Series 65 licenses and has held various roles within the Saperston family of firms since 1998, including positions at Saperston Real Estate Corp. and related management companies. 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 in its investment process and offers both discretionary and non-discretionary management through proprietary asset-allocation programs.

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 designations. He has 28 years of industry experience, including roles at HSBC Bank USA, N.A. since 2016 and HSBC Securities since 2015. He also serves as a bank officer for HSBC Bank (USA) N.A., selling bank-related products alongside his responsibilities as a registered representative. HSBC Securities (USA) Inc. provides managed account programs to individuals, retirement accounts, charitable organizations, and corporations, offering both discretionary and non-discretionary options. The firm’s investment process incorporates strategic and tactical asset allocation managed with HSBC Global Asset Management and utilizes several affiliated providers for fund selection and account services.

Ronald Yoviene is a financial advisor with Commonwealth Financial Network, holding a Series 63 designation and 34 years of industry experience. His prior work includes more than 25 years 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, a Medicare agency. Commonwealth Financial Network serves a national network of approximately 2,950 advisors, providing advisory programs and back-office support including operations, trading, technology, and compliance. The firm offers a range of investment solutions, including discretionary model portfolios and personalized indexing, with advisors managing client portfolios across various securities and insurance products.

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 Williamsville, NY. He holds Series 63 and Series 66 licenses and has 12 years of industry experience. His prior roles include positions at ROI Financial Group and New York Life Insurance Company. Outside of advising, Eiseman is involved in cryptocurrency investing and brokers non-registered insurance products. Eagle Strategies serves individuals, retirement plans, trusts, charitable organizations, and corporate clients by providing financial planning, investment advisory, and retirement plan consulting services. The firm emphasizes client-directed solutions and utilizes third-party managers and model portfolios, operating as an indirect subsidiary of New York Life.

Bruce Hyman is a financial advisor with Primerica Advisors and Park Avenue Securities LLC, holding a Series 63 designation and bringing 32 years of industry experience. His prior work includes roles at Guardian Life Insurance and Guardian Life Insurance Co of America. He has an inactive business entity, Life Designs Agency Inc., with no current activity. Park Avenue Securities serves a diverse retail client base, offering brokerage and advisory services, financial planning, and retirement-plan consulting. The firm employs a range of investment strategies through proprietary and third-party portfolios, supporting discretionary and non-discretionary accounts with various investment options.

Scott Zeplowitz is a financial advisor with Eagle Strategies (NY Life) in Williamsville, NY, holding Series 63 and Series 66 credentials and bringing 11 years of industry experience. He has worked with firms including ROI Financial Group, NYLife Securities LLC, and New York Life Insurance Co. Outside of his advisory work, Zeplowitz serves as a board member for the Lockport Ice Arena & Sports Complex. Eagle Strategies LLC provides financial planning, investment advisory, and retirement plan consulting services to individuals, employer-sponsored retirement plans, trusts, charitable organizations, and corporate clients. The firm emphasizes client-directed solutions and utilizes third-party managers and model portfolios, operating as an indirect subsidiary of New York Life.

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 licenses and with 19 years of industry experience. He has worked at Bank of America, N.A., and Merrill since 2015. Outside of his advisory role, Kelley is involved part-time in a family construction business, performing electrical work on farms and private residences. Merrill serves a broad range of clients, including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, discretionary portfolio management, and brokerage services. The firm integrates investment management with Bank of America affiliates and emphasizes manager selection and tax-efficient strategies.

Liam Davis is a financial advisor at LPL Financial with three years of industry experience. He holds the Series 66 designation and has worked previously at Cadaret Grant & Co., Inc., Equitable Advisors LLC, and Davis Financial. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers a wide range of investment solutions supported by an in-house research team and delivers services through a large network of investment adviser representatives.

Andre Brassard is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 34 years of industry experience. He previously worked at M&T Securities, Inc. for 23 years before joining LPL Financial in 2021. LPL Financial provides advisory and brokerage services to a diverse client base including individual investors, retirement plan sponsors, banks, institutions, charities, and high-net-worth households. The firm offers a range of delivery options supported by an in-house Research team and a large network of investment adviser representatives.

Patricia Sargent is a CFP®-certified financial advisor with 22 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 Securities. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers a variety of investment solutions supported by an in-house research team, combining large-scale advisory operations with additional product offerings such as insurance and credit services.

Peter Grimm is a financial advisor with LPL Financial, holding Series 63, 65, and 66 licenses and bringing 31 years of industry experience. He has been with NEXT Financial Group since 2009 and joined LPL Financial in 2025. Outside of his advisory work, he is also involved in the sales and service of fixed annuities and life/health insurance products. LPL Financial provides advisory and brokerage services to a wide range of clients, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers diverse investment delivery options supported by an in-house research team and combines large-scale advisory operations with non-advisory products such as insurance and annuities.

James Coupe is a financial advisor with LPL Financial, holding a Series 66 designation and four years of industry experience. His prior roles include positions at Cadaret, Grant & Co., Inc. and Edward Jones. He serves as a board member for both the Lions Club of Boston NY and the Eden Chamber of Commerce. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers a wide range of financial planning and investment management solutions, supported by an in-house research team and a large network of investment adviser representatives.

Michael Silkowski is a financial advisor with LPL Financial, holding a Series 63 designation and 13 years of industry experience. His work history includes roles at Evans Investment Services, Evans Bank, and currently NBT Investment Services. Outside of his advisory duties, he is a notary public and an insurance agent involved with non-variable insurance products. LPL Financial provides advisory and brokerage services to a diverse client base that includes individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers a range of investment solutions, supported by an in-house research team, and combines large-scale advisory operations with a variety of non-advisory financial products.

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 at Cetera with 25 years of industry experience. He holds Series 63 and Series 65 designations and has worked previously at Cadaret, Grant & Co., Inc. and Franklin Templeton Financial Services Corp. Lafay is president of Lafay Strategies Group, Inc., which operates Concord Wealth Management. Cetera Investment Advisers serves a diverse client base including individuals, high-net-worth clients, institutions, and retirement plans through a network of over 6,800 independent advisors. The firm offers a range of portfolio management, financial planning, and fiduciary services supported by both advisor-managed accounts and firm-sponsored model portfolios.

Thomas Czechowski is a financial advisor with LPL Financial in Hamburg, NY, holding a Series 63 designation and 23 years of industry experience. He has been with LPL Financial since 2003. Outside of his advisory work, he has composed and recorded music that has appeared in radio, television, and films, receiving occasional royalty income. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, charities, and high-net-worth households. The firm offers a range of financial planning and investment management solutions supported by an in-house research team and a broad platform that integrates advisory and brokerage services.

Joseph Gunning is a financial advisor at LPL Financial with 15 years of industry experience. He has worked at Davis Financial and Cadaret, Grant & Co., Inc. Prior to joining LPL Financial, he operated Davis Financial Service as a DBA for his LPL business. LPL Financial provides advisory and brokerage services to a diverse client base including individual investors, retirement plan sponsors, institutions, charities, and high-net-worth households. The firm offers a range of financial planning and investment management solutions supported by an in-house research team and a large network of investment adviser representatives.