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.

Andrew Ward is a financial advisor with Ameriprise in Webster, NY, holding a Series 66 designation and 12 years of industry experience. He has been with Ameriprise and its predecessor entity since 2014. Outside of his advisory role, Ward manages an advisory business through Council Rock Associates LLC. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides clients with written recommendation reports and ongoing annual retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

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.

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.

Matthew Fairchild is a financial advisor at Ameriprise with Series 66 credentials and experience beginning in 2024. Prior to joining Ameriprise, he held roles at Northern Nurseries and SUNY Geneseo. He is also associated with Council Rock Associates LLC as an associate financial advisor. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions through its affiliated entities.

William Kalwas is a financial advisor at Fidelity with 20 years of industry experience. He holds Series 63 and Series 66 designations and has been with Fidelity and its affiliates since 2012. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, employing a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic investment methodologies, advisory roles to registered investment companies, and integration of AI and algorithmic tools in its processes.

Isabel Di Nottia is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to her current role, she worked at Bank of America and has experience in childcare and fitness-related activities. Outside of advising, she volunteers part-time providing childcare at a local fitness center. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

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.

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.

Michael Mc Naughton is a CFP® with 35 years of industry experience, currently serving as a financial advisor at Raymond James Financial. He previously spent 20 years with Commonwealth Financial Network. Outside of his advisory work, he is a co-owner of OakWood Financial Services, LLC. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional investors. The firm offers tailored, non-discretionary planning and consulting using risk profiling and modeling tools, and supports advisory programs along with specialized offerings such as municipal advisory services and SIMPLE IRA employer consulting.

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.

John Kendall Jr. is a financial advisor at OSAIC with 29 years of industry experience. He has previously worked at Securities America Advisors, Inc. and Securities America, Inc. for 19 years. He also operates Emerald Financial Services, providing financial planning services to clients. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing firm-provided tools and third-party platforms to construct diversified portfolios on discretionary or non-discretionary bases.

Krystal Lang is a financial advisor at Ameriprise with nine years of industry experience. She holds the Series 66 designation and has been with Ameriprise and its affiliated entities since 2013. Outside of her advisory role, she is involved with Council Rock Associates LLC in Rochester, NY. Ameriprise offers a retirement-income planning service targeting individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, written recommendations. The firm delivers a broad range of advisory, brokerage, and insurance solutions typical of large institutional firms.

Susan Light is a financial advisor with OSAIC based in Rochester, NY, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. Her prior roles include positions at SagePoint Financial, Stratos Wealth Partners, LPL Financial, The Patriot Financial Group, and MetLife Securities. Outside of her advisory work, she is a certified travel specialist planning to operate a travel service on a limited basis during her personal time. OSAIC serves a wide range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through an extensive network of advisers and advisory platforms. The firm offers integrated brokerage and advisory services, employing asset-allocation tools and risk assessments to build diversified portfolios across multiple asset classes, and supports both discretionary and non-discretionary account management.

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.

Suzanne Plain Ward is a financial advisor with RBC Capital Markets in Rochester, NY, holding Series 63, 65, and 66 licenses and bringing 21 years of industry experience. She has been with RBC Capital Markets since 2012. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to each client’s risk profile.

John Montague is a financial advisor with Morgan Stanley in Rochester, NY, holding Series 63 and Series 66 registrations and 17 years of industry experience. Before joining Morgan Stanley in 2026, he spent a decade at Wells Fargo Clearing and Wells Fargo Advisors LLC. Morgan Stanley Wealth Management offers a broad range of advisory programs to individual and institutional clients, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides both direct and corporate financial 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. Prior to entering the financial services industry, she was employed in the food retail sector. OSAIC serves a diverse client base including individual investors, institutions, and charitable organizations through a large network of advisers. The firm utilizes asset-allocation tools and risk-tolerance assessments to construct portfolios across various securities, offering both discretionary and non-discretionary management options.

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.