Christopher White is a financial advisor with Merrill in Batavia, NY, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked at Bank of America, NA since 2009 and has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2008. Merrill serves a broad range of clients, including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, third-party manager selection, discretionary portfolio management, brokerage execution, and custody services through dedicated advisors and affiliated entities. The firm emphasizes multiple program strategies overseen by its CIO and platform team, with recent enhancements in tax-efficient portfolio management and integration with Bank of America’s broader banking and capital markets platform.

John Riter is the Senior Resident Director of Merrill Lynch Wealth Management’s Batavia, New York office and managing partner of the RGRWT Group. He began his career as a financial advisor in 1987 after earning a bachelor's degree from the John Wiley Jones School of Business at SUNY Geneseo. John holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. As managing partner of the RGRWT Group, John leads a team of six financial advisors, an investment associate, and three client service associates, collectively bringing over 135 years of experience. The group serves clients across 35 states and seven countries, focusing on family wealth management strategies, personal retirement planning, and small business strategies. John’s approach combines the resources of a global organization with personalized service rooted in small-town values. John has a longstanding commitment to his community, including over 30 years of involvement with the GLOW YMCA in Batavia, where he is currently chairing the initiative to build a new facility that will anchor a Healthy Living Campus. He has also been a member of the Batavia Rotary Club for more than 20 years, serving on its board of directors multiple times. John and his wife Liz have been married for 33 years and have two adult children, Mitchell and Kathryn.

Michael Anderson is a financial advisor with Merrill, holding a Series 66 designation and 27 years of industry experience. He has been with Merrill and Bank of America, N.A. since 2012. Merrill serves a diverse client base including individuals, retirement plans, corporations, and institutional clients by offering managed account programs, third-party manager selection, discretionary portfolio management, brokerage execution, and custody services. The firm emphasizes manager selection and tax-efficient investment strategies, supported by its integration with Bank of America’s broader banking and capital-markets platform.

Emily Marling is a Wealth Management Advisor with Merrill Lynch Wealth Management, where she joined the RGRWT team in 2015. She holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Emily works with clients to create and regularly review personalized, goals-based wealth management plans, focusing on areas such as personal retirement planning, women and wealth, and retirement income. Emily began her career in financial services within the insurance industry in 2011. She earned her bachelor's degree, Cum Laude, in Business Administration from the State University of New York System at SUNY Brockport in 2012. In 2017, she earned her CERTIFIED FINANCIAL PLANNER® certification. Beyond her client work, Emily is a 2019 graduate of Leadership Genesee and serves as Vice President on the board of the Genesee County YWCA. She is also involved in community activities such as the United Way Day of Caring. Emily lives in Elba with her husband, Josh, and their children, Max and Ava.

Brad Morgan is a Financial Advisor with Merrill Lynch Wealth Management based in Batavia, New York. He serves clients by developing strategies tailored to pursue their short-, mid-, and long-term financial goals. His role encompasses providing advice on general investing, retirement planning, saving for unforeseen circumstances, and connecting clients with Bank of America specialists for banking, credit, home financing, and small business solutions. Brad's expertise includes family wealth management strategies, investment consulting for defined contribution plans, employee financial health, legacy planning, liquidity management, managing new wealth, personal retirement planning, small business strategies, tax minimization, and retirement income. He holds the Personal Investment Advisor (PIA) designation and completed his high school education at LeRoy Highschool. Beyond his professional duties, Brad is a husband and father of two. He actively participates in his community by coaching youth sports, which has influenced his approach to teamwork, accountability, and long-term commitment. Brad emphasizes building lasting relationships with clients, focusing on listening and helping individuals and families make informed financial decisions for today and the future.

Steven Tufts is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he serves as the lead advisor on his team for 401(k) plans and is one of three advisors on the team's investment committee. He brings 29 years of professional experience in wealth management, focusing on areas such as divorce transition planning, executive compensation, employee financial health, personal retirement planning, portfolio management services, and retirement income. Steven earned his B.A. in Economics from Hobart College in 1995 and holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). His approach incorporates the use of his team's model portfolios and the firm's advisory platforms to provide holistic, long-term wealth management strategies tailored to each client's unique situation. Outside of his professional career, Steven has been actively involved in community organizations such as the Batavia Area Jaycees, where he served as president in 2001, the Kiwanis Club of LeRoy-Pavilion-Stafford, and the Genesee County Chamber of Commerce. He has also contributed to local initiatives including the Batavia BID, GLOW YMCA, and Go-Art!. Steven enjoys outdoor activities including biking, camping, cooking, hiking, running, marathon running, skiing, and traveling, and has experience coaching as the assistant track and field coach at Notre Dame High School in Batavia for seven years.

Michael Grammatico is a Senior Financial Advisor at Merrill Lynch Wealth Management. Since beginning his career with E.F. Hutton in 1987, he has worked with a wide range of clients including individuals, non-profits, trusts, and corporations to help them preserve, grow, and distribute their wealth. His work encompasses family wealth management strategies, liquidity management, retirement planning, philanthropic planning, portfolio management services, special needs planning, investment strategy, tax minimization, and retirement income. He aims to provide sound, straightforward investment advice and regularly educates his clients and reviews their financial progress. Michael graduated with a B.S. in Accounting from the John Wiley Jones School of Business at SUNY Geneseo in 1987. He holds the Personal Investment Advisor (PIA) designation and has been involved in instructing investment classes through adult education programs early in his career. He serves on several boards including The Roundtable Athletic Association Board at SUNY Geneseo, Eagle Star Housing where he is president, and The Alliance of New York State YMCA's Board of Directors. He has also served on boards such as The Salvation Army Advisory Board, Genesee/Wyoming Family YMCA Board, The Jerome Foundation, Genesee Mercy Health Care Foundation, and The New York State YMCA Funds, Inc. Board. Michael resides in Batavia with his wife, Sarah. They have three sons, Christopher, Tommy, and Luke, and three grandchildren, Stella, Anna, and Louie. His personal interests include basketball, golfing, racquetball, spending time with family, and traveling.

Olivia Rogers is a financial advisor with Merrill in Batavia, NY, holding a Series 66 designation and with 10 years of industry experience. She has been with Merrill since 2015. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Calvin Klemmer is a Wealth Management Advisor at Merrill Lynch Wealth Management. He joined Merrill Lynch in 2018, bringing experience from an investment management firm in Rochester. Calvin specializes in areas including divorce transition planning, employee benefits planning, family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, portfolio management services, small business strategies, and retirement income. Calvin holds a Bachelor's degree in Economics from SUNY Geneseo, where he graduated Cum Laude. He is a CERTIFIED FINANCIAL PLANNER™ professional, awarded by the Certified Financial Planner Board of Standards. Additional professional designations include Certified Exit Planning Advisor (CEPA) and Personal Investment Advisor (PIA). He works closely with clients to develop long-term financial strategies that align with their goals and values, leveraging the resources of Merrill Lynch and his team. Outside of his professional role, Calvin is involved in the community through service on the boards of the Batavia Development Corporation, GLOW YMCA, Inc., and the Genesee County Business Education Alliance. In his free time, he enjoys playing tennis, football, hiking, ice hockey, cooking, and traveling.