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.

Bruce Bowman is a financial advisor with Mass Mutual Investors Services and holds the Series 63 designation. He has 39 years of industry experience, including roles at MetLife Securities Inc. and Metropolitan Life Insurance Company. Outside of his advisory work, he serves as a trustee overseeing the financial activities of a local fraternal organization. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning, asset management, and educational services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm focuses on collaborative, goal-driven planning using firm-approved analytical tools and offers a range of investment and planning programs.

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 credentials and 17 years of industry experience. He has been with JPMorgan Chase Bank and J.P. Morgan Securities since 2014. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

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.

Nelson Miles III is a financial advisor at UBS Financial Services with 11 years of industry experience. He holds a Series 66 designation and previously worked at Morgan Stanley and PNC Investments. Outside of his advisory role, he is also active as an Uber driver, providing ride-sharing and delivery services. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm’s advisory work leverages proprietary research and model-based asset allocations to tailor financial plans aligned with clients’ goals and risk tolerances.

Ross Marple is a financial advisor at UBS Financial Services with 15 years of industry experience. He holds the Series 66 designation and has been with UBS since 2011. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, operating as a broker-dealer, investment adviser, and futures commission merchant.

James Goetz Jr. is a financial advisor at Stifel with 28 years of industry experience. He holds the Series 65 and Series 66 licenses and has worked at Stifel Nicolaus & Co Inc since 2014, following a 15-year tenure at Merrill. Outside of his advisory role, he serves on the board and various committees of Heritage Christian Services, a human services agency in Upstate New York. Stifel serves a broad range of clients including individuals, institutional investors, and charitable organizations, offering both brokerage and investment advisory services. The firm’s investment approach is based on proprietary analysis developed by its Investment Strategy Group, employing forward-looking capital market assumptions and probabilistic modeling to support asset allocation and financial planning.

Donald Hoyt Jr. is a financial advisor with LPL Financial, holding Series 63, 65, and 66 licenses and bringing 27 years of industry experience. He previously worked for Wells Fargo Advisors Financial Network LLC for 15 years before joining LPL Financial in 2026. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of investment options including model portfolios, third-party asset management, and customized strategies supported by advanced research tools.

Lori Facinelli is a financial advisor at LPL Financial with 34 years of industry experience. She holds Series 63 and Series 65 credentials and has worked previously at Wells Fargo Advisors Financial Network and Morgan Stanley. Facinelli co-owns ACE Financial Group with her spouse. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset managers.

Richard Bucenec is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 25 years of industry experience. He previously worked at Raymond James and Associates for nine years before joining LPL Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment services through a large network of advisors, utilizing both proprietary and third-party strategies across discretionary and non-discretionary accounts.

Jason Pierce is a financial advisor with UBS Financial Services in Rochester, NY, holding Series 63 and Series 65 designations and having 14 years of industry experience. He has been with UBS since 2013. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and provides research-driven, model-based asset allocations tailored to clients’ goals and risk tolerances.

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 with LPL Enterprise, holding Series 63 and Series 65 credentials and two years of industry experience. Prior to joining LPL Enterprise, she was associated with firms including The Prudential Insurance Company of America, PRUCO Securities, and New York Life Insurance Company. Outside of her advisory role, she is involved as a Registered Social Security Analyst and offers non-variable insurance services. LPL Enterprise, LLC provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach, offering financial planning, access to third-party asset managers, and participation in wrap programs.

Michael Adams is a Series 66-licensed financial advisor with Wells Fargo Clearing in Pittsford, NY. He has 15 years of industry experience, including prior roles at Wells Fargo Advisors LLC and Morgan Stanley. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

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.

Amy Mckay is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. She has been with Merrill since 2015. Outside of her advisory role, she is a shareholder of the Cayuga Grandview Beach Co Op Corporation, a cooperative that provides cottage ownership on Cayuga Lake. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Mark Eidlin is a Wealth Management Advisor at Merrill Lynch Wealth Management. He began his financial services career in 1990 and joined Merrill Lynch in 1992, where he served as complex sales manager from 2000 through 2008. Mark works with a diverse client base, including business owners, helping them establish, grow, and transition their companies. He offers financial advice aimed at integrating various elements of clients' financial lives to support their personal and financial goals. Mark holds several professional designations, including Certified Private Wealth Advisor® (CPWA®), Chartered Retirement Planning Counselor™ (CRPC), Certified 401(k) Professional (C(k)P®), Certified Plan Fiduciary Advisor® (CPFA®), and Certified Exit Planning Advisor (CEPA). He is also designated by Merrill Lynch as a Retirement Benefits Consultant and a Defined Contribution Investment Consultant. Mark earned bachelor's degrees in economics and political science from Boston University and holds an MBA from Cornell University. Additionally, he graduated from the National School of Commercial Lending at Southern Methodist University's Cox School of Business. Mark serves as Vice Chairman of the Highland Hospital Foundation board and is a former Chairman of the Board at Highland Hospital. He resides in Pittsford, New York with Salley Thornton and has two children, Amanda and Rex. Mark's personal interests include outdoor activities such as skiing, marathon canoeing, stand-up paddle boarding, and golf.

Louis Giuliano is a Series 66-licensed financial advisor with LPL Financial, where he has worked since 2018. He has eight years of industry experience, including brief tenures at Cetera Advisors LLC and AXA Advisors LLC in 2018. Giuliano also served on the staff at Saint John Fisher College from 2015 to 2017. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by extensive research and technology tools.