Nathaniel Skinner is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he partners with clients to understand their unique goals and develop customized financial strategies aimed at pursuing long-term success. His approach emphasizes trust, personalized guidance, and ongoing support through every stage of life. Nathaniel's expertise includes general investing, retirement planning, managing new wealth, education planning, socially responsible and values-based investing, and retirement income strategies. He holds professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Nathaniel earned a High School Diploma from the High School of Health Professions. Outside of his professional work, Nathaniel has interests in baseball, basketball, football, gardening, ice hockey, music, pickleball, reading, spending time with his family, and watching movies.

Timothy Acker is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been helping clients since 2015. He specializes in family wealth management strategies, managing new wealth, and personal retirement planning. Timothy focuses on offering a comprehensive approach to managing wealth that begins with understanding the client's financial situation, family, and priorities, followed by creating a customized and flexible wealth management plan suitable to evolving needs and market conditions. He provides clients with access to the investment insights of Merrill and the banking services of Bank of America. Timothy holds a bachelor's degree from Pennsylvania State University and is a CERTIFIED FINANCIAL PLANNER® professional. His professional designations also include Personal Investment Advisor (PIA). Outside of his advisory role, Timothy is involved with professional organizations such as Al Sigl and the Rochester Area Community Foundation. In his free time, he enjoys golfing, hockey, billiards, reading, football, and spending time with his family.

Wendy Sydeski is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously spent five years at RBC Capital Markets. 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 manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research and analytics from Wells Fargo Investment Institute and third-party databases.

Lisa Fisher is a financial advisor with Wells Fargo Clearing in Pittsford, NY, holding a Series 63 designation and 39 years of industry experience. She has worked with Wells Fargo Clearing since 2016. Outside of her advisory role, she is involved as a costume coordinator for the Honeoye Falls Lima High School drama club and operates a sewing business creating phone pouches for female runners. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Sally McMahon is a financial advisor at Merrill with 27 years of industry experience and holds the Series 66 designation. She has been with Merrill since 2001 and concurrently with Bank of America, N.A. since 2014, both firms within the same corporate group. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Thomas Mc Auley Jr. is a financial advisor at Merrill with 34 years of industry experience. He holds Series 63 and Series 65 registrations and has worked at Merrill since 1992, concurrently serving at Bank of America, N.A. since 2011. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors. The firm integrates internal and third-party management while supporting trading and account administration.

Colin Worden is a Wealth Management Advisor at Merrill Lynch Wealth Management, based in Western New York. He serves families, business executives, and young professionals across the United States, assisting them in investing for their futures and achieving their financial goals. Colin's areas of focus include retirement planning, college education, small business strategies, legacy planning, and customized investment portfolio creation tailored to individual client needs. He holds a Personal Investment Advisor (PIA) designation. Colin earned his undergraduate degree, a Bachelor of Arts in Economics with honors in Philosophy, from Case Western Reserve University in 2015, and later obtained an MBA from the Simon Business School at the University of Rochester. He resides in Rochester, NY, and enjoys drawing, reading, rock climbing, running, skiing, spending time with his family, and traveling.

John Valentine is a financial advisor with Charles Schwab holding a Series 66 designation and 26 years of industry experience. He has been with Charles Schwab Co., Inc. since 2001 and Charles Schwab Bank since 2005. 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 combines non-discretionary advisory with access to discretionary separately managed accounts, providing multi-asset model portfolios, written advice policies, and alternative investment opportunities through a centralized, integrated platform.

Boyd Wible is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been with the firm since 1993 and currently operates with a team of eight individuals based in Buffalo, New York. Boyd applies an active investment philosophy, developing customized stock and bond portfolios aligned with clients’ risk tolerance. He specializes in areas including family wealth management strategies, legacy and philanthropic planning, retirement income, tax minimization, and socially responsible investing, among others. Boyd holds the CERTIFIED FINANCIAL PLANNER™ designation and the Personal Investment Advisor credential. He earned a bachelor's degree in engineering and management from Clarkson University. Boyd resides in Springville, New York. Outside of his professional work, he has interests in camping, ice hockey, music, skiing, and traveling. He is also affiliated with The Children's League.

Nicholas Berno is a financial advisor at Merrill with 21 years of industry experience. He holds a Series 66 designation and has worked at Bank of America, N.A. and Merrill since 2015. Outside of his advisory role, he is the owner of JMBL Development, LLC, a company involved in buying, renovating, and selling single-family residential properties. 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 a variety of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Christopher Moore is a Senior Financial Advisor at Merrill Lynch Wealth Management. He provides professional advice and services focused on helping clients identify and achieve their financial goals through personalized wealth management strategies. Christopher works closely with families and corporate executives, delivering tailored financial plans that align with clients' long-term objectives. His areas of expertise include education planning, family wealth management, services for endowments, foundations, and non-profits, employee financial health, managing new wealth, personal retirement planning, portfolio management, socially responsible and ESG investing, tax minimization, and corporate investment strategy. Christopher also offers risk management, retirement income strategies, long-term care, wealth transfer, trust and estate planning services, philanthropic planning, legacy management, and customized lending through Bank of America. Christopher holds a Bachelor's degree and a Master's degree from the University of Rochester. He holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is actively involved in community organizations such as the Episcopal Diocese of Rochester, Fairport Baptist Home Foundation, St. Paul's Episcopal Church, and Water for South Sudan. Christopher resides in Fairport, NY with his wife, Louise, and enjoys baseball, football, genealogy, golfing, music, and singing.

Richard Miller Jr. is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and 17 years of industry experience. He has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2014. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research and may incorporate ESG criteria, with implementation supported by affiliated investment-management entities.

Karen Lally is a financial advisor with Merrill in Pittsford, NY, holding Series 63 and Series 65 licenses and accumulating 27 years of industry experience. She has been with Merrill since 2010. Outside of advisory work, she serves as an executor in a non-investment related capacity. 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 a range of model-based and discretionary investment strategies tailored for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

James Goetz Jr. is a financial advisor at Stifel with 28 years of industry experience, holding Series 65 and Series 66 licenses. He has worked at Stifel Nicolaus & Co Inc since 2014 and previously at Merrill from 1999 to 2014. Outside of his advisory work, he serves on the board and several committees of Heritage Christian Services, a human services agency in Upstate New York. Stifel serves a broad range of clients including individuals, institutional clients, and charitable organizations, providing brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

Richard Bucenec is a financial advisor with LPL Financial, holding Series 65 and Series 63 licenses and bringing 25 years of industry experience. Prior to joining LPL Financial in 2024, he spent nine years at Raymond James and Associates. His outside business activities include operating RJB Financial, LLC, a business entity for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers various advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by advanced operational and research tools.

Robert Benjamin Holland III is a financial advisor at Charles Schwab with 11 years of industry experience. He holds Series 63 and Series 66 designations and has been with Charles Schwab and Charles Schwab Bank since 2014. Holland is based in Pittsford, NY. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by a multi-asset investment approach and centralized operational structure.

Jayne Knowlton is a financial advisor at LPL Enterprise with Series 65 and Series 63 credentials and two years of industry experience. Her prior work history includes roles at The Prudential Insurance Company of America, PRUCO Securities, NYLIFE Securities, and New York Life Insurance Company. She also has experience in healthcare and education sectors, including positions at Highland Hospital and Roberts Wesleyan College. Additionally, she is registered as a Social Security Analyst and holds a non-variable insurance license. LPL Enterprise, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and insurance product sales through affiliated entities.

Michael Adams is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 15 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent a year with Morgan Stanley. 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 combines brokerage and advisory solutions supported by research and analytics, managing approximately $671 billion in assets through a large network of financial advisors.

Branden Kuzel is a financial advisor at LPL Enterprise with 11 years of industry experience. He holds a Series 63 designation and has worked at LPL Enterprise since 2024, previously spending nine years with Pruco Securities, LLC. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, employer-sponsored retirement plans, banks, and corporate and charitable entities. The firm’s investment approach is typically model-driven, offering access to third-party asset managers and model portfolios developed by LPL’s Research Department and other strategists.

Damianos Theodorou is a Wealth Management Advisor and Vice President at Merrill Lynch Wealth Management. He is a CERTIFIED FINANCIAL PLANNER® professional and holds the Personal Investment Advisor (PIA) designation. Damianos focuses on providing personalized financial strategies to help clients pursue their long-term goals. With expertise in corporate executive services, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management, small business strategies, individual and corporate investment strategy, tax minimization, and retirement income, Damianos works closely with clients to develop flexible strategies aligned with their financial priorities. He emphasizes understanding the full financial picture of each client to create tailored wealth management solutions. Damianos earned a Bachelor's Degree from the Rochester Institute of Technology. He speaks English and Greek. Outside of his professional work, Damianos enjoys cooking, football, golfing, hiking, reading, soccer, spending time with his family, and traveling.