Nicholas Dirienzo is a CFA® charterholder with six years of industry experience. He is currently with Nottingham Advisors Inc. and previously worked at Manulife Asset Management, State Street, and Putnam Investments. Nottingham Advisors serves a diverse client base including individuals, trusts, pension plans, foundations, and corporations. The firm employs a core/satellite investment approach primarily using ETFs and mutual funds, supplemented by tactical satellite positions selected by an internal Investment Policy Committee.

I'm a retirement focused advisor with over 10 years of experience. I specialize in tax-efficient retirement planning and investment management for those that are retired or within a few years of retiring, all for a flat annual fee. I launched Free Time Financial in March 2025 after spending 10 years working for a Registered Investment Advisor firm who provided tax-efficient retirement planning, but charged for the service based on how large your investment accounts were. That model never made sense to me, and I finally left to build a firm on my own terms, where I could take wonderful care of a smaller number of families and charge them based on the complexity of the service and not on how wealthy they are.

James Primiano is a financial advisor at LPL Financial with 24 years of industry experience. He holds Series 63, 65, and 66 licenses and has worked at Clear View Wealth Advisors LLC since 2018. Prior to that, he operated Primiano Financial and was affiliated with Next Financial Group Inc. 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 delivery options such as financial planning, model-portfolio advisory programs, and third-party asset management, supported by an in-house research team and a broad network of investment adviser representatives.

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.

Neil Farrell is a financial advisor at Farrell Financial with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Arbor Point Advisors and Securities America Inc. from 2014 to 2022. Farrell Financial offers fee-based investment advisory services and comprehensive financial planning to individuals, trusts, estates, charitable organizations, and business entities. The firm employs a tactical allocation strategy based on fundamental analysis, managing portfolios on a discretionary basis and serving both non-high-net-worth and high-net-worth clients.

Chelsea Makowski is a CFP®-credentialed financial advisor with SENIOR Financial and Realty Assoc. in Orchard Park, NY, bringing four years of industry experience. She has been with SENIOR Financial and Realty Assoc. since 2017 and previously worked at Bryant & Stratton College and Gap Inc. SENIOR Financial and Tax Associates is a fee-only advisory firm serving individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and small businesses. The firm emphasizes strategic asset allocation using primarily no-load and low-load mutual funds and ETFs, managing accounts mostly on a discretionary basis with regular reviews.

Ryan Collins is a financial advisor at Invictus Advisory Services with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Invictus since 2021. His prior experience includes roles at MML Investors Services and Massachusetts Mutual Life Insurance Company. Outside of his advisory work, Collins is employed at Milestone Consulting, LLC, where he provides consulting services focused on settlement preservation, economic analysis, and protection of government benefits for attorneys and plaintiffs. Invictus Advisory Services offers discretionary portfolio management and financial planning primarily for individuals, trusts, charities, and estates, with a focus on clients receiving personal injury, wrongful death, or workers’ compensation settlements. The firm emphasizes tailored asset allocations, long-term market exposure, and coordination with legal professionals through affiliated settlement-planning and lien-resolution services.

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.

Todd Murphy is a CFP®, CFA® with 19 years of industry experience. He has been with Garrison Murphy Wealth Management, LLC since 2018 and previously worked at Wilmington Trust Investment Advisors, Inc. for six years. Garrison Murphy Wealth Management provides integrated wealth advisory and portfolio management services to individuals, charitable organizations, and corporations. The firm emphasizes tax-aware asset location, strategic asset allocation, and the use of model portfolios and third-party managers, while also advising on private placement investments and offering private fund administration.

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.

Neil Farrell is a financial advisor at Farrell Financial with a Series 65 credential and three years of industry experience. His prior work includes roles at The University of Tennessee at Chattanooga and the United States Air Force Academy, as well as involvement with VCU Men's Basketball. Farrell Financial provides fee-based investment advisory services and comprehensive financial planning to individuals, trusts, estates, charitable organizations, and business entities. The firm employs a tactical allocation strategy based on fundamental analysis, managing discretionary portfolios for both non-high-net-worth and high-net-worth clients.

Paul Isaac Sr. is a financial advisor with Invictus Advisory Services, holding Series 63, 65, and 66 credentials and bringing 26 years of industry experience. He has worked at Securities America Advisors since 2020 and previously spent seven years with SSN Advisory, Inc. Outside of advisory roles, he serves on the board of the New York State Trial Lawyers and manages two businesses focused on plaintiffs’ settlement planning and lien resolution. Invictus Advisory Services provides discretionary portfolio management and financial planning for individuals, trusts, charities, and estates, with a focus on clients receiving personal injury, wrongful death, or workers’ compensation settlements. The firm emphasizes tailored asset allocations, long-term market exposure, diversification, cost efficiency, and tax considerations, often integrating settlement-related services and coordination with legal professionals.

Sean O'Brien is a financial advisor at Andrew Hill Investment Advisors, Inc. with a Series 65 designation. He has been with the firm since 2023 and has prior experience in logistics and retail sectors, as well as an academic role at Canisius University. Andrew Hill Investment Advisors manages approximately $222 million for a diverse client base including individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, corporations, and other business entities. The firm uses a combination of fundamental, technical, cyclical, and behavioral analysis with an integration of environmental, social, and governance (ESG) factors, offering both discretionary and non-discretionary asset management alongside modular financial planning and pension consulting services.

Tyler Hartman is a financial advisor at Invictus Advisory Services with two years of industry experience. He holds a Series 66 designation and has prior experience at Equitable Advisors. Outside of his advisory role, he is also employed as a server at D'Avolio Inc. Invictus Advisory Services provides discretionary portfolio management and financial planning primarily for individuals, trusts, charities, and estates, with a focus on clients receiving personal injury, wrongful death, or workers’ compensation settlements. The firm emphasizes long-term market exposure, diversification, and tax efficiency, often managing accounts on a discretionary basis and coordinating closely with legal professionals through affiliated settlement-planning services.

Keith Maderer is a financial advisor at SENIOR Financial and Realty Assoc. with four years of industry experience. He holds a Series 63 designation and has been with SENIOR Financial and Realty Assoc. since 1990. SENIOR Financial and Tax Associates is a fee-only advisory firm serving individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and small businesses. The firm focuses on personalized financial planning and discretionary investment management, using a strategic asset allocation approach with primarily no-load and low-load mutual funds and ETFs.

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.

Michael Becht is a financial advisor at Silver Grove Advisory Services with 28 years of industry experience. He previously worked for NEXT Financial Group for 20 years and has held Series 63, 65, and 66 licenses. Becht operates his advisory business through Silver Grove Advisory Services, an independent registered investment advisor firm. Silver Grove Advisory Services is a multi-advisor firm managing approximately $326.6 million for nearly 1,930 clients, including individuals, high-net-worth clients, trusts, estates, and retirement plan sponsors. The firm offers discretionary portfolio management with a primarily long-term, client-specific approach using diversified mutual funds, ETFs, and other securities, alongside financial planning and retirement consulting services.

Matthew Hayes is a CFP® professional with six years of industry experience, currently affiliated with Commonwealth Financial Network. His prior roles include positions at Moldenhauer & Associates, Equitable Advisors, TRG Capital Management, and Key Bank. Hayes also spent time working at the University of Rochester and Walt Disney. He engages in fixed insurance sales alongside his advisory work. Commonwealth Financial Network supports a national network of approximately 2,950 advisors by providing back-office operations, technology, compliance, and investment management services. The firm offers a variety of advisory programs and allows advisors discretion in portfolio construction, with model portfolios managed by its Investment Management and Research team.

Gregory Kozerski is a CFP® with 27 years of industry experience and has been with Waterford Advisors, LLC since 2001. He also has a background as a CPA since 1987 and prepares income tax returns for advisory clients annually during tax season. Kozerski holds a Series 63 license and has been associated with Cadaret, Grant & Co., Inc. since 2000. Waterford Advisors serves individuals, pension and profit-sharing plans, trusts, and estates with discretionary portfolio management, financial planning, and retirement-plan consulting. The firm emphasizes strategic asset allocation and fundamental analysis, managing portfolios primarily invested in mutual funds and ETFs.