John Sartini is a CFP®-certified financial advisor with Morgan Stanley, based in Pittsford, NY, and has 30 years of industry experience. He has been with Morgan Stanley and its affiliates since 2008, including roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association. 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 employs a structured financial planning process supported by proprietary tools and research.

Tomas Aponte is a financial advisor at Cetera with 21 years of industry experience. He holds Series 63 and Series 66 designations. Prior to joining Cetera in 2019, he worked at Foresters Financial and Foresters Advisory Services LLC from 2012 to 2019. Cetera Investment Advisers LLC serves individual, retirement plan, corporate, charitable, and institutional clients through a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to various program structures and third-party managers. The firm operates a large nationwide network of independent advisors and manages over $256 billion in assets.

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.

Timothy Mastellar is a financial advisor with Cetera and holds Series 66 and Series 63 licenses. He has five years of industry experience, including roles at Cetera and Horizon Solutions. Outside of his advisory work, he has been involved with Ammerly Advisors, a business affiliated with his firm. Cetera Investment Advisers LLC is a nationwide network serving individual, corporate, and institutional clients through discretionary and non-discretionary portfolio management, offering a range of investment platforms and third-party manager access.

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.

William Kalwas is a financial advisor at Fidelity with 21 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with various Fidelity entities since 2012. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage diversified model portfolios.

Linda Melandinidis is a financial advisor with Merrill in Pittsford, NY, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. She has been with Merrill Lynch since 1999 and Bank of America, N.A. since 2011. 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, high-net-worth clients, pension plans, corporations, and charitable organizations.

Linda Mastellar is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. She has worked at Cetera since 2019 and previously spent eight years with Foresters Financial. Outside of her advisory role, Mastellar serves as Chairperson of the Varick Town Planning Board and is involved with the Romulus Foundation for Educational Opportunities, which provides grants for teachers. She also serves on the Romulus Central School Board, overseeing policy and budget matters. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers, managing over $256 billion in assets through a network of more than 10,000 advisors.

Chris Reynolds is a financial advisor at Morgan Stanley with six years of industry experience. He holds a Series 66 designation and has worked in various roles within Morgan Stanley since 2019. Prior to his career in financial services, he worked at Windstream Communications and other companies. Morgan Stanley Wealth Management serves individuals and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and investment models as part of its advisory process.

Jeffrey Smith is a financial advisor with Wells Fargo Clearing in Pittsford, NY, holding Series 63 and Series 66 licenses and 18 years of industry experience. He previously worked at Merrill and Bank of America, N.A. for 11 years. Outside of his advisory role, he is involved in operating a franchised medical clinic and a vending machine business with his spouse. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm uses research and analytics to support diversified investment strategies and offers a broad range of financial products through bank and insurance affiliates.

Rebecca Bowman is a financial advisor at Morgan Stanley with 17 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, N.A. since 2010. Outside of her advisory role, she is involved as an officer in a property management business based in New York. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and does not offer individual security recommendations within its standalone planning services.

Amanda Delmonico is a financial advisor at OSAIC with three years of industry experience. She holds the Series 66 designation and has previously worked at Securities America Advisors and Securities America, Inc. Outside of her advisory role, she is involved in insurance sales through a separate financial services activity. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients. The firm offers a range of brokerage and advisory programs supported by model-based asset allocation and portfolio optimization, with a platform notable for its scale, complex affiliate network, and private-equity ownership.

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.

Stephen Brown is a financial advisor with Stifel who holds Series 63 and Series 65 licenses and has 38 years of industry experience. He has been with Stifel Nicolaus & Co. Inc. since 2014. Outside of his advisory role, he is a co-founder of Iron Smoke Whiskey, LLC, serves as a trustee of Nazareth College, chairs the investment committee at Nazareth University, and participates on the advisory board for the Rochester Knighthawks professional lacrosse team. Stifel serves a broad range of clients, including individuals, institutional investors, charitable organizations, and municipal entities, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and financial planning analyses.

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.

Joseph Crispino is a financial advisor at Wells Fargo Clearing with 36 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and integrates research and analytics to support its investment approach.

Emma Mercurio is a financial advisor at Charles Schwab with a Series 66 credential and experience beginning in 2024. Her prior roles include positions at M&T Bank and several retail companies. She has also spent several years in full-time education. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment options supported by centralized custody and due diligence resources.

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.