Charles Cox is a financial advisor with Morgan Stanley in Rochester, NY, holding Series 65 and Series 66 licenses and six years of industry experience. He previously worked at Cetera and Canandaigua National Bank and Trust. Morgan Stanley Wealth Management provides advisory programs to individuals and institutions, offering tailored financial planning supported by structured discovery conversations and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through corporate arrangements.

Margaret Dunning is a financial advisor at Morgan Stanley with a Series 66 credential and four years of industry experience. Her prior roles include positions at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. Outside of finance, she has worked with community organizations such as Drumcliffe Irish Arts and has experience in educational settings. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals 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 serves clients both directly and through corporate financial planning agreements.

Kenper Miller is a financial advisor with Morgan Stanley in Rochester, NY, holding Series 63 and Series 65 licenses and bringing 49 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Miller serves as a board member of the Lifetime Assistance Foundation, where he oversees development efforts and helps formulate investment and spending policies. Morgan Stanley Wealth Management provides advisory and financial planning services to individuals and institutions, managing approximately $2.74 trillion in client assets with a planning process that includes firm-approved tools and scenario modeling but does not provide individual security recommendations as part of standalone plans.

Thomas Sime is a financial advisor with Morgan Stanley in Rochester, NY, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. His prior roles include positions at Wells Fargo Clearing and Wells Fargo Advisors LLC before joining Morgan Stanley in 2017. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and its Estate Planning Strategies Group.

Charles Ott is a financial advisor at Morgan Stanley with Series 66 registration and three years of industry experience. His prior roles include positions at Rochester Regional Health and The TJX Companies. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a broad range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning processes that incorporate advanced modeling tools.

Brittany Bieger is a CFP®-credentialed financial advisor with Morgan Stanley in Rochester, NY, bringing 13 years of industry experience. She has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm employs structured planning tools and investment modeling techniques while acting primarily in an advisory capacity.

David Marulli is a Series 66-credentialed financial advisor with Morgan Stanley in Rochester, NY, and has 22 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2009, including over a decade at Morgan Stanley Private Bank, N.A. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning processes supported by firm-approved tools and market simulations.

Georgiann Collins is a financial advisor with Morgan Stanley in Rochester, NY, holding Series 63, 65, and 66 licenses and 26 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. 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, managing approximately $2.74 trillion in client assets, and employs structured planning tools as part of its approach.