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.

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.

Mark Procknal is a financial advisor at Silver Grove Advisory Services with 38 years of industry experience. He has worked at LPL Financial LLC since 1995 and previously at Principal Mutual Life Insurance Co. from 1991 to 2016. Silver Grove Advisory Services is an SEC-registered, multi-advisor firm managing approximately $326.6 million for nearly 2,000 clients, including individuals, high-net-worth individuals, trusts, estates, and retirement plan sponsors. The firm offers discretionary portfolio management with a long-term, client-specific investment approach utilizing mutual funds, ETFs, individual securities, and multiple third-party platforms.

Mark Kirchmyer is a financial advisor with Silver Grove Advisory Services, holding Series 63 and Series 66 licenses and bringing 40 years of industry experience. He has been with Silver Grove Advisory Services since 2017 and previously worked at Key Investment Services LLC from 2009 to 2017. Silver Grove Advisory Services is a multi-advisor firm managing approximately $326.6 million for nearly 1,929 clients, serving individuals, high-net-worth clients, trusts, estates, and retirement plan sponsors. The firm employs a primarily long-term, client-specific investment approach using diversified mutual funds and ETFs, along with discretionary portfolio management and financial planning services.

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.

Ryan Ficorilli is a financial advisor with Silver Grove Advisory Services, holding a Series 66 designation and 21 years of industry experience. He previously worked at LPL Financial for eight years before joining Silver Grove Financial Group in 2017. Silver Grove Advisory Services is an SEC-registered, multi-advisor firm managing approximately $326.6 million for nearly 1,929 clients, including individuals, high-net-worth clients, trusts, estates, and retirement plan sponsors. The firm emphasizes a long-term, client-specific investment approach using diversified, low-cost mutual funds and ETFs, supported by tactical reallocations and access to multiple sponsored platforms and independent managers.

Nathan Severson is a financial advisor at Silver Grove Advisory Services with a Series 65 designation and one year of experience in advisory services. Prior to joining Silver Grove, he worked in educational roles at the State University of New York and Erie Community College. Outside of finance, Severson has been involved with community activities such as coaching and managing local sports and recreational programs. Silver Grove Advisory Services provides investment management, financial planning, retirement plan consulting, and related services to individuals, trusts, estates, and businesses. The firm employs a customized, primarily long-term investment approach using diversified, low-cost mutual funds and ETFs, along with other securities, and offers coordinated estate planning and tax preparation through an affiliated accounting practice.

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.

Julianne Incardona is a financial advisor with Silver Grove Advisory Services in Orchard Park, NY, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. She previously worked for LPL Financial, LLC for 11 years before joining Silver Grove in 2017. Silver Grove Advisory Services is an SEC-registered, 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 focus on diversified, low-cost mutual funds and ETFs, complemented by financial planning, estate-document facilitation, and retirement-plan consulting.

Katie Weibel is a CFP® professional with 18 years of industry experience, currently serving as a financial advisor at Silver Grove Advisory Services since 2017. She has also been affiliated with LPL Financial LLC since 2015. Outside of her advisory work, she hosts a radio show related to financial marketing through NYGMS, New York Marketing. Silver Grove Advisory Services is an SEC-registered, multi-advisor firm managing approximately $326.6 million for nearly 2,000 clients, including individuals, high-net-worth clients, trusts, estates, and retirement plan sponsors. The firm employs a primarily long-term, client-specific investment approach focused on diversified, low-cost mutual funds and ETFs, while also utilizing tactical reallocations and third-party model portfolios.

Annette Olday is a financial advisor with Silver Grove Advisory Services, holding a Series 63 designation and possessing 22 years of industry experience. She has been with Silver Grove since 2017 and also maintains roles at LPL Financial LLC and Meridia Community Federal Credit Union. Outside of her advisory work, she is involved with Meridia Community Federal Credit Union in a financial institution capacity. Silver Grove Advisory Services is an SEC-registered, multi-advisor firm managing approximately $326.6 million for nearly 1,929 clients. The firm serves individuals, high-net-worth clients, trusts, estates, and retirement plan sponsors, offering discretionary portfolio management with a focus on diversified, low-cost mutual funds and ETFs tailored to client goals and risk tolerance.

Jason Weber is a financial advisor with Silver Grove Advisory Services and holds a Series 63 designation. He has 17 years of industry experience, including roles at Silver Grove Advisory Services since 2017 and LPL Financial LLC since 2012. Outside of his advisory work, he is the owner and operator of Sterling Tax & Accounting LLC, a tax preparation and accounting business. Silver Grove Advisory Services is an SEC-registered, multi-advisor firm managing approximately $326.6 million for a diverse client base that includes individuals, high-net-worth clients, trusts, estates, and retirement plan sponsors. The firm employs a primarily long-term, client-specific investment approach focused on diversified, low-cost mutual fund and ETF allocations, utilizing multiple sponsored programs and platforms to provide ongoing portfolio management and financial planning services.

Jason Myers is a financial advisor at Silver Grove Advisory Services with 13 years of industry experience. He holds the ChFC® and Series 66 designations. Prior to joining Silver Grove, he worked at MML Investors Services LLC and Massachusetts Mutual Life Insurance Company. Outside of his advisory work, he occasionally performs as a bagpiper for special events such as weddings and funerals. Silver Grove Advisory Services is an SEC-registered, multi-advisor firm managing approximately $326.6 million for nearly 2,000 clients, including individuals, high-net-worth clients, trusts, estates, and retirement plan sponsors. The firm offers discretionary portfolio management focused on diversified, low-cost mutual fund and ETF allocations tailored to client goals, along with financial planning and retirement-plan consulting services.

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.

Ryan Seufert is a financial advisor with Silver Grove Advisory Services in Orchard Park, NY, holding Series 63 and Series 65 licenses and having 17 years of industry experience. He has worked at LPL Financial, LLC from 2012 to present and joined Silver Grove Advisory Services in 2017. Outside of advisory services, Seufert is involved with Sterling Tax & Accounting Inc., where he dedicates part of his time to tax preparation and accounting. Silver Grove Advisory Services is an SEC-registered, multi-advisor firm managing over $326 million for nearly 2,000 clients, including individuals, high-net-worth clients, trusts, estates, and retirement plan sponsors. The firm offers discretionary portfolio management with a focus on diversified, low-cost mutual funds and ETFs tailored to client goals, utilizing multiple third-party model portfolios and platforms alongside financial planning and retirement consulting services.