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.

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.

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.

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.

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.

John Ring III is a financial advisor at Moldenhauer & Associates with nine years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Moldenhauer & Associates and Commonwealth Financial Network since 2016. In addition to his advisory role, he is a practicing attorney and owner of his own law firm, where he serves as a Chapter 7 Bankruptcy Trustee. Moldenhauer & Associates is a team of ten advisors based in Orchard Park, NY.

Brian Norman is a financial advisor at Commonwealth Financial Network with one year of industry experience. He holds a Series 66 designation and has previously worked at Moldenhauer and Associates and Connor Wealth Management. Prior to his advisory career, he held positions at organizations including Pegula Sports and Entertainment and St. John Fisher College. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm provides a range of advisory programs and back-office support, including investment management, compliance, and technology services, enabling advisors to offer customized portfolio solutions under Commonwealth’s supervision.

Patrick O’Connell is a financial advisor with Commonwealth Financial Network in Orchard Park, NY, holding Series 63 and Series 66 licenses and bringing nine years of industry experience. He has worked at Commonwealth since 2016 and previously at Ameritas Investment Corp. Patrick is also co-owner of Moldenhauer Associates and sells fixed life insurance products. Commonwealth Financial Network is a registered investment adviser that supports a national network of approximately 2,950 advisors and their clients, offering various advisory programs, wealth management, and retirement plan consulting. The firm provides operations, trading, technology, investment management, compliance, and practice-management support while allowing advisors discretion in portfolio construction.

Jeremy Walter is a financial advisor at Moldenhauer & Associates with a Series 66 designation and one year of industry experience. Prior to joining Moldenhauer & Associates, he held various roles including positions at Commonwealth Financial Network and Ultimus Leverpoint Private Fund Solutions. Outside of finance, he operates a sole proprietorship selling vintage clothing online and works as a part-time delivery driver. Moldenhauer & Associates is a team-based firm with ten advisors that serves clients with tailored financial strategies.

Christine Papelian is a CFP® professional with 13 years of experience in the financial services industry. She currently works at Illumination Wealth Management and has held prior roles at Sterling Investment Counsel, LPL Financial, REDW Wealth, Smarter Financial Solutions, and Charles Schwab. Illumination Wealth Management serves individuals, trusts, corporations, and retirement plans, offering comprehensive Financial Life Management that includes financial planning, investment management, pension consulting, and employee education. The firm employs client-specific investment policy statements and strategic asset allocation models with regular portfolio monitoring, emphasizing long-term allocation strategies.

Jennifer Badzinski is a financial advisor at Moldenhauer & Associates with 11 years of industry experience. She holds the Series 66 designation and has worked at Commonwealth Financial Network since 2017. Her prior experience includes roles at LPL Financial, Evans National Bank, and The Evans Agency from 2013 to 2017. Moldenhauer & Associates provides financial planning and asset management services to individual investors, retirement plans, charitable organizations, and businesses. The firm offers discretionary portfolio management, model and third-party manager programs, and fee-for-service consulting, primarily through a platform relationship with Commonwealth Financial Network.

Jonathan Dombrowski is a financial advisor with Moldenhauer & Associates, holding a Series 63 designation and 11 years of industry experience. He has worked at Commonwealth Financial Network since 2016 and was previously employed at Ameritas Life Insurance Corp and Ameritas Investment Corp from 2014 to 2016. He also conducts fixed insurance sales through Buffalo Business & Estate Services, Ltd. Moldenhauer & Associates is a team-based firm with 10 advisors located in Orchard Park, NY. The firm provides financial advisory services to its clients.

Richard Moldenhauer is a financial advisor with Commonwealth Financial Network and holds the ChFC® designation along with Series 63 and Series 65 licenses. He has 53 years of industry experience and has been with Commonwealth since 2016. Moldenhauer also operates Moldenhauer & Associates and is involved with 6195 West Quaker LLC, an entity that owns the building housing his branch office. Commonwealth Financial Network serves a national network of approximately 2,950 advisors, providing a range of advisory programs and services including wealth management, retirement plan consulting, and access to third-party asset managers. The firm supports affiliated advisors with operations, trading, technology, investment management, compliance, and practice-management resources.