Melody Dehond is a financial advisor at Morgan Stanley with 25 years of industry experience. She has held positions at Merrill, UBS Financial Services, and Morgan Stanley Smith Barney. Outside of her advisory role, she works as a cashier and greeter at Ulta in Webster, New York. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and offers planning services supported by structured discovery and firm-approved tools.

Michael Cregan is a financial advisor at Morgan Stanley with 30 years of industry experience. He has been with Morgan Stanley since 2013 and has worked at Morgan Stanley Private Bank, National Association since 2015. He holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by advanced modeling tools and a structured discovery process.

Anmarie Rizzo is a Series 66 licensed financial advisor with Morgan Stanley, based in Rochester, NY, and has 25 years of industry experience. She has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, and previously with Citigroup Global Markets starting in 2005. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and modeling techniques.

Chad Jacob is a financial advisor at Morgan Stanley in Rochester, NY, with 20 years of industry experience. He has been with Morgan Stanley since 2009 and associated with Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory work, Jacob serves as a volunteer coach for the Bristol Mountain Race Club, a recreational organization in Victor, New York. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm utilizes a structured planning process supported by proprietary tools and serves clients through both individual and corporate financial planning arrangements.

James Harman is a financial advisor with Morgan Stanley in Rochester, NY, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has been with Morgan Stanley since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Zachary Messerino is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Morgan Stanley since 2017, with prior experience at Wells Fargo Advisors. Morgan Stanley Wealth Management serves individuals and institutional clients by offering a wide range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market models.

Jason Milner is a financial advisor with Morgan Stanley in Rochester, NY, holding a Series 66 designation and 21 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutions, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools, including Monte Carlo simulations and Secular Return Estimates, to assist clients with financial planning.

Lindsay Smith is a financial advisor at Morgan Stanley with 13 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Morgan Stanley since 2015. Outside of her advisory work, she manages event staff selling wellness supplements at farmers' markets through an independent contracting role. Morgan Stanley Wealth Management serves individuals and institutional clients with comprehensive financial planning and advisory services, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and advanced modeling tools, offering a broad range of investment programs and financial strategies.

Nicholas Ward is a financial advisor with Morgan Stanley in Rochester, NY, holding Series 63 and Series 65 licenses and having 29 years of industry experience. He previously worked at UBS Financial Services Inc. from 2009 to 2023 before joining Morgan Stanley. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools, serving clients in both retail and institutional capacities.

Joshua Ciolek is a financial advisor with Morgan Stanley in Rochester, NY, holding a Series 66 designation and 11 years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2014 and 2015, respectively. Outside of his advisory role, he is the owner of RadHaus LLC, an automotive and transportation business. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and research.

Daniel Leonard is a financial advisor with Morgan Stanley in Rochester, NY, holding a Series 66 designation and 25 years of industry experience. He has been with Morgan Stanley since 2009, including over a decade at Morgan Stanley Private Bank. Outside of his advisory role, Leonard serves as a head soccer coach for the Lakefront Soccer Club in Webster, New York. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutions, focusing on tailored financial planning supported by firm-approved tools and investment modeling. The firm manages approximately $2.74 trillion in client assets and provides services through both direct and corporate financial planning agreements.

Adam Brady is a financial advisor at Morgan Stanley with seven years of industry experience. He previously worked at Manning & Napier Advisors for four years before joining Morgan Stanley in 2018. Brady serves as a board member and treasurer for the Friends & Foundation of the Rochester Public Library, where he is involved in fundraising and investment decisions. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s approach includes structured planning tools and modeling techniques to assist clients in developing tailored financial plans.

Wioletta Saia is a financial advisor at Morgan Stanley with eight years of industry experience. She holds the Series 66 designation and has worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2013. Based in Rochester, NY, she has been with Morgan Stanley for over a decade. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and emphasizes a structured planning process that incorporates firm-approved tools and modeling techniques.

John Montague is a financial advisor at Morgan Stanley with 16 years of industry experience. He previously worked for Wells Fargo Clearing and Wells Fargo Advisors LLC over a ten-year period before joining Morgan Stanley in 2026. Montague holds Series 63 and Series 66 credentials. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through Corporate Financial Planning agreements with employers.

Paula Terzioglu is a financial advisor at Morgan Stanley in Rochester, NY, with 19 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2009, including time at Morgan Stanley Private Bank, N.A. Since 2020, she has also been involved in business development for Antpmt LLC, a real estate-related venture. Morgan Stanley Wealth Management serves both individual and institutional clients with a wide range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured, firm-approved planning process.

Jacob Nannen is a financial advisor at Morgan Stanley with three years of industry experience. He holds a Series 66 designation and previously worked at CGI Digital and Broker Genius. He is based in Rochester, NY. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques as part of its advisory process.

Krisha Diamantopoulos is a financial advisor at Morgan Stanley in Rochester, NY, holding a Series 66 designation with 14 years of industry experience. She has been with Morgan Stanley since 2014 and also partners in ADK Commercial Clean, a janitorial services business. Morgan Stanley Wealth Management serves both individual and institutional clients with a broad range of advisory programs, offering tailored financial planning supported by firm-approved tools and investment analysis.

Michael Nelkin is a financial advisor at Morgan Stanley in Rochester, NY, holding Series 63 and Series 65 licenses with 21 years of industry experience. He has worked at Morgan Stanley since 2019 and previously held positions at Citizens Securities Inc., CITIZENS Bank, Bank of America, N.A., and Merrill. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and provides a variety of services through its Financial Advisors and Estate Planning Strategies Group.

Jeffrey Kotalik is a Series 66-licensed financial advisor at Morgan Stanley with 27 years of industry experience. He has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009 and was previously associated with Citigroup Global Markets. He serves on the board of the Finger Lakes Museum and is employed by the Pittsford Central School District. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a broad range of advisory programs to individuals and institutional clients. The firm offers tailored financial planning services using structured processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Andrew Spencer is a Series 66-licensed financial advisor with Morgan Stanley in Rochester, NY, with eight years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2017 and Morgan Stanley Private Bank, N.A. since 2019. Andrew previously worked at Play By Play Sports, LLC from 2015 to 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients, offering tailored financial planning and a variety of advisory programs. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and investment research in its financial planning process.