Cheryl Mac Pherson is a Series 66-licensed financial advisor at Merrill with six years at the firm and a total of 15 years in the industry, including nine years at Bank of America. She is based in Pittsford, NY. Outside of finance, she works with Letchworth Concessions Inc., managing retail operations at Letchworth State Park, and serves as a trustee board member for the Avon Free Library. 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 investment strategies for individuals, institutions, and charitable organizations.

David DeCourcey is a Senior Financial Advisor at Merrill Lynch Wealth Management with experience as a financial advisor since 1990. He specializes in portfolio management services, individual and corporate investment strategy, and retirement income planning. David applies his knowledge to support clients in making important financial decisions. He holds a Bachelor of Science degree with a major in Investments/Finance from Babson College. David also holds the Personal Investment Advisor (PIA) designation. Beyond his professional work, he volunteers as a budget counselor and has served as a board member for the Cornell Cooperative Extension of Ontario County. David resides in Canandaigua with his wife, Judy. His personal interests include football, genealogy, photography, and spending time with his family.

Matthew Kilmer serves as Sales Manager and Wealth Management Advisor at Merrill Lynch Wealth Management, where he has worked since 1998. In this role, he focuses on assisting high-net-worth individuals, families, business owners, and corporate executives with tailored wealth management strategies that align with their long-term goals and priorities. His expertise includes advising on business succession, liquidity events, wealth preservation, multi-generational planning, executive compensation, retirement planning, and managing concentrated equity positions. Matt holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP), Certified Investment Management Analyst® (CIMA), Certified Plan Fiduciary Advisor (CPFA), and Chartered Retirement Planning Counselor™ (CRPC). He is also designated by Merrill as a Retirement Benefits Consultant, working with corporate and institutional retirement plans of $10 million or more. A cum laude graduate of the University of Rochester, he has been recognized on the Forbes "Best-in-State Wealth Advisors" list from 2018 through 2026. Beyond his client work, Matt holds leadership roles within Merrill and is active in community service. He currently serves as Chair of the Merrill Financial Advisor Advisory Council to Management (ACTM), representing Merrill advisors nationwide. He has over 15 years of leadership and board service with the Greater Rochester YMCA, including roles as Board Chair and Annual Campaign Chair. Matt resides in Pittsford, New York, with his wife and three daughters, and enjoys boating, golfing, skiing, and spending time with his family.

Mark Alvut is a financial advisor at Merrill with 43 years of industry experience. He holds the Series 63, Series 65, and Series 66 credentials. His career includes longstanding tenures at Merrill since 2006 and Bank of America since 2009. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jason Anderson is a Series 66-licensed financial advisor with Merrill in Pittsford, NY, where he has worked since 2016. He has 15 years of industry experience, including four years at Toro Run Winery. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Sara Durso is a Series 66-credentialed financial advisor with Merrill in Pittsford, NY, and has seven years of industry experience. She has been with Merrill Lynch, Pierce, Fenner & Smith since 2016. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Scott Fredereksen is a Senior Financial Advisor with Merrill Lynch Wealth Management. Since joining Merrill Lynch in September 2011, Scott has worked alongside his business partners Mark Eidlin and Matthew Kilmer, focusing on advising affluent individuals and families, business owners, corporate executives, medical professionals, foundations, and endowments in Rochester and surrounding areas. He emphasizes taking a client’s complete financial picture into account to align recommendations with their best interests and values a personal connection with clients to better serve their needs. Scott’s areas of expertise include college education planning, corporate benefits, divorce transition planning, employee financial health, executive compensation, equity compensation services, and tax minimization. He offers a wide range of wealth management services such as retirement planning, qualified plans, wealth transfer strategies, and philanthropic giving. Scott holds several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor™ (CRPC™), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor’s Degree from Cortland University. Outside of his professional role, Scott is engaged in community service and volunteers with various organizations. His personal interests include basketball, camping, fishing, football, golfing, music, and spending time with his family.

Lorie Helmbold is a financial advisor at Merrill with 25 years of industry experience. She holds a Series 66 designation and has been with Merrill Lynch since 1997. 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Brian Katz is a financial advisor with Merrill, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has been with Merrill since 1993 and concurrently with Bank of America since 2009. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary strategies developed by internal teams and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Gary Fitch is a Senior Financial Advisor at Merrill Lynch Wealth Management. He leads a team that has over 40 years of experience assisting affluent individuals and families through a client-focused, goals-based wealth management process. He aims to help clients achieve their objectives with simplicity, transparency, and a disciplined method to measure progress, tailoring guidance to support current lifestyles, retirement income needs, and legacy goals. Gary joined Merrill Lynch in 2004 and holds several professional designations, including Chartered Retirement Planning Counselor™ from the College for Financial Planning, Certified Plan Fiduciary Advisor from the National Association of Plan Advisors, Personal Investment Advisor, and Retirement Benefits Consultant. He is a 1996 graduate of St. John Fisher College with a Bachelor of Arts in Economics and was inducted into St. John Fisher's Athletic Hall of Fame in 2004. Additionally, he completed a certificate program at the Johnson Graduate School of Management at Cornell University. He has served on the Board of Directors for Step-by-Step of Rochester and was the Director of Community Engagement for Rochester Young Professionals. Gary resides in Pittsford, New York with his wife Melissa and their children, Gary and Isla. Outside of work, he enjoys boating, fishing, football, golfing, running, skiing, and spending time with his family.

Christopher Mueller is a Series 66–licensed advisor at Merrill with 20 years of industry experience. He has been with Merrill since 2005 and also works with Bank of America, N.A. since 2009. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Clayton Millard is a Wealth Management Advisor at Merrill Lynch Wealth Management with over 20 years of experience in financial and wealth management services. He has been leading an advisory team in Merrill's Rochester, NY office since 1997, focusing on supporting affluent individuals, physicians, and executives through a personalized goals-based wealth management process. His team specializes in financial management, estate coordination, retirement income planning, family wealth management strategies, and legacy planning. Clayton holds a Bachelor's degree from Allegheny College and a Master's degree from Indiana University in Bloomington. He has earned the Certified Investment Management Analyst (CIMA), Chartered Retirement Planning Counselor (CRPC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA) designations. He has been named to the Forbes "Best-in-State Wealth Management Teams" list for 2024-2026 and the Forbes "Best-in-State Wealth Advisors" list for 2023-2026. In addition to his professional work, Clayton is active in supporting philanthropic organizations including The Nature Conservancy, where he serves as a trustee for the Central and Western New York chapter. He lives in Brighton with his wife Kimberly, their two daughters, and their Border Terrier. His personal interests include cycling, gardening, skiing, mountain biking, antiquing, collecting antiques and art, and participating in a local wine appreciation group.

Alan Sheldon is a financial advisor with Merrill in Pittsford, NY, holding a Series 66 designation and 15 years of industry experience. He has been with Merrill since 2011 and concurrently associated with Bank of America since 2012. Outside of his advisory role, he is the sole owner of a rental property business. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Nathaniel Jones is a Wealth Management Advisor with Merrill Lynch Wealth Management. In his role, he focuses on developing personalized financial strategies tailored to clients' individual goals and changing market conditions. He leverages the investment insights of Merrill and the banking and lending solutions of Bank of America to support clients’ wealth management needs. Nathaniel holds several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a bachelor's degree from Grove City College. Nathaniel also participates in community volunteer activities, reflecting his commitment to the communities served by Merrill.

Victoria Lethbridge is a financial advisor with Merrill in Pittsford, NY, holding a Series 66 designation and 23 years of industry experience. She has been with Merrill since 1997. Merrill, along 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Claire Bellis is a Financial Advisor at Merrill Lynch Wealth Management, specializing in providing financial guidance to women, particularly during pivotal life transitions such as divorce, retirement, and career changes. She holds the designations of Certified Divorce Financial Analyst (CDFA) and Personal Investment Advisor (PIA). With a focus on personalized financial planning, Claire helps clients develop strategies that align with their values and priorities. She aims to guide individuals, families, and business owners through complex financial decisions, supporting them in building confidence and clarity throughout the process. Claire earned her Bachelor's Degree from Eastern Illinois University. She is an active member of the Rochester Women Network and participates in community initiatives like the Junior Achievement Stock Market Challenge. Outside of her professional work, she enjoys activities such as dancing, gardening, hiking, horseback riding, music, singing, spending time with her family, traveling, watching movies, and practicing yoga.

Michael Millard is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and bringing 49 years of industry experience. He has worked at Merrill since 1977 and has been affiliated with Bank of America, N.A. since 2011. Outside of his advisory work, he owns Huston Road Press, a sole proprietorship through which he plans to publish a novel. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients via the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Kevin Fox is a Client Experience Advisor at Merrill Lynch Wealth Management. In his role, he works with clients to understand their financial situations and introduces them to solutions offered by Merrill and Bank of America. He aims to provide clients with the knowledge and tools to take control of their financial lives and select the platforms that best meet their needs. Kevin holds the professional designation of Personal Investment Advisor (PIA) and earned his Bachelor's Degree from Carnegie Mellon University. His approach involves helping clients identify what matters most to them and their families to develop strategies aligned with their financial goals.

Richard Glaser is a Senior Financial Advisor with Merrill Lynch Wealth Management. Since rejoining Merrill Lynch in 2006, he leverages his background in investment banking, private equity, and entrepreneurship to provide clients with specialized wealth management strategies. Richard focuses on executive compensation, equity compensation services, family wealth management, personal retirement planning, and small business strategies, helping clients to preserve and prudently grow their wealth while developing long-term relationships as a trusted financial advisor. Before his current role, Richard worked as an investment banker in Merrill Lynch's mergers and acquisitions department and spent much of his career as a private equity investor and director of various companies. He has also served as an adjunct professor at the Rochester Institute of Technology, teaching entrepreneurship to graduate students. His involvement in the entrepreneurial and economic development communities includes co-founding Digital Rochester, serving on several boards such as the Greater Rochester Enterprise and the Rochester Angel Network, and participating in regional economic development councils. Richard holds a bachelor's degree from Haverford College and a master's degree from Columbia University's School of International Affairs. He has also studied at the London School of Economics and Middlebury College. Outside of his professional activities, Richard lives in Rochester with his children, Max and Lily, and dedicates time to volunteering with local organizations.

Kenton Hines is a Wealth Management Advisor at Merrill Lynch Wealth Management and The Hines Group, a position he has held since 2016. He began his career working as an engineer, product manager, and data analyst before transitioning to financial advising. Kenton's current role involves developing goals-based financial strategies for clients, with a focus on multigenerational wealth transfer to ensure the continuity of clients' wealth and values across generations. He also leads efforts to incorporate new technology within the firm and serves as a resource for addressing next-generation client needs. Kenton holds a bachelor's degree in Materials Science & Engineering from the University of Michigan and an MBA with concentrations in finance and entrepreneurship from the Kellogg School of Management at Northwestern University. His professional designations include CERTIFIED FINANCIAL PLANNER™ practitioner, Certified Plan Fiduciary Advisor® (CPFA®), and Retirement Accredited Financial Advisor (RAFA). He is also a member of the Rochester Engineering Society and serves on its Board of Directors. He resides in Victor with his wife, Jessica, their two children, and their dog. Kenton's personal interests include outdoor activities such as hiking, mountain biking, snowboarding, camping, and backyard science experiments.