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calendar rtotman@financialguide.com

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areas_of_practiceEstate Planning

focus_markets

• Families
• Individuals
• Retirees
• Special Needs Families

advisor_title Financial Advisor

address_1 10 Louise Terrace

address_city Rhinebeck

address_state NY

address_zip12572

office_phone(845) 876-7444

mobile_phone

email rtotman@financialguide.com

biographyI focus my practice on the investment planning, retirement planning and estate planning needs of families, individuals, retirees and special needs families. I am proud to say I serve multiple generations of my clients’ families.

I have spent my entire 38-year career in the financial services industry affiliated with MassMutual. I began with Connecticut Mutual in 1982 and eventually joined Charter Oak when the two companies merged in 1996.

Outside of the office, I am involved with In Flight Inc., a non-profit organization that is dedicated to providing support services for adults with developmental and intellectual disabilities.

I have lived in Hudson Valley for my entire life, where I enjoy hiking and kayaking. I am a musician, who enjoys playing guitar, piano and arranging songs in my home studio. One of my greatest joys is hosting large family gatherings with my wife, our five children, and 11 grandchildren.

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calendar jcutler@financialguide.com

linkedin www.linkedin.com/in/jason-cutler-05b70413/

areas_of_practiceFinancial Planning

focus_markets

• Families
• Small Businesses

advisor_title Certified Financial Planner™

address_1 330 Whitney Avenue, Suite 600

address_city Holyoke

address_state MA

address_zip01040

office_phone(413) 539-2317

mobile_phone(860) 930-4255 (Call Only)

email jcutler@financialguide.com

biographyI am a Certified Financial Planner™ and focus my practice on the financial planning needs of families with an emphasis on risk management and retirement income planning. I also work with small businesses specializing in qualified plan implementation and succession planning.

Prior to joining Charter Oak, I served as an assistant vice president at Merrill Lynch for ten years.

Outside of the office, I am the president of the Windsor Locks Soccer Club and serve on the board of the Windsor Locks Federal Credit Union. I am an avid runner, and enjoy coaching and watching my kids play sports.

A lifelong resident of Windsor Locks, CT, I currently reside there with my wife and our two children.

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calendar dewaansingh@financialguide.com

linkedin https://www.linkedin.com/in/dewaan-singh-32b61280/

areas_of_practice401k Planning

focus_markets

• Individuals
• Families
• Couples
• Medical Professionals

advisor_title Financial Advisor

address_1 211-43 Jamaica Avenue

address_city Queens Village

address_state NY

address_zip11428

office_phone(718) 740-1111

mobile_phone516) 695-6667 (Call Only)

email dewaansingh@financialguide.com

biographyI focus my practice on the retirement planning, risk management, disability income, long-term care, life insurance, IRA rollover, 401k plans and 403(b) planning needs of individuals, families, couples and medical professionals.

Prior to joining Charter Oak, I was a longtime advisor with MetLife. Outside of the office, I am interested in public speaking and love to spend my time listening to music.

I reside in Queens, NY with my wife and our three children.

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calendar janicesmith@financialguide.com

linkedin https://www.linkedin.com/in/janiceelainesmith/

areas_of_practiceLife Insurance

focus_markets

• Individuals
• Small Business Owners
• Non-Profit Organizations

advisor_title CLU®, ChSNC®, CLTC®

address_1 48 South Service Road, Suite 400

address_city Melville

address_state NY

address_zip11747

office_phone(516) 391-0317

mobile_phone

email janicesmith@financialguide.com

biographyI focus my practice on the life insurance, retirement planning, wealth management and risk management needs of individuals, small business owners and non-profit organizations.

My professional career originally began as a counseling psychologist by way of a master’s degree in psychology and education from Columbia University. I transitioned to financial services in 1985 and have been with a MassMutual firm ever since. I furthered my knowledge in the field by earning my professional designations of Chartered Life Underwriter (CLU®) and Chartered Special Needs Consultant (ChSNC®) from the American College, and a Certification for Long Term-Care (CLTC®) from the CLTC Board of Standards.

Outside of the office, I am a member of The Links, Incorporated organization, which is comprised of accomplished women committed to enriching, sustaining, and ensuring the culture and economic survival of African Americans and other persons of African ancestry. The Links is one of the nation’s oldest and largest volunteer service organizations. I am also a dedicated member of the United Methodist Church, where I regularly attend church services. In my free time, I enjoy traveling, swimming and decompressing with yoga.

I live in Freeport, NY with my husband and daughter.

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calendar dfilosa@financialguide.com

linkedin https://www.linkedin.com/in/deannafilosa/

areas_of_practiceCollege Funding

focus_markets

• Physicians
• Business Owners
• Professionals

advisor_title Financial Advisor

address_1 48 South Service Road, Suite 400

address_city Melville

address_state NY

address_zip11747

office_phone(516) 391-0322

mobile_phone

email dfilosa@financialguide.com

biography

I have been providing my clients with comprehensive financial planning services for more than 30 years, focusing on the disability and life insurance, investment allocation, college funding, retirement planning and retirement distribution planning needs for physicians, business owners and professionals.

A proud graduate of Rutgers University with a degree in engineering, I continued my education by earning the Chartered Life Underwriter (CLU®), Chartered Financial Consultant (CFC®) and Chartered Special Needs Consultant (ChSNC®) designations from the American College.

Every year, I serve as a keynote speaker at the Stony Brook School of Medicine and New York Tech College of Osteopathic Medicine’s Exit Interview event, lecturing alongside the American Association of Medical Colleges about student loan management, budgeting, disability insurance and comprehensive financial planning.

Throughout my career, I have dedicated much of my time and support to numerous charitable and community organizations. I am involved with Cost of Freedom, Inc., an organization dedicated to honoring and assisting servicemen and servicewomen returning from combat. In partnership with the VA Medical Center in Northport, I co-founded the Kindred Spirit Program, a program to assist veterans in their transition to back to civilian life.

My husband and I reside in Huntington, NY with our three children.

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calendar fcirasola@financialguide.com

linkedin https://www.linkedin.com/in/frank-cirasola-cfbs-87933020/

areas_of_practiceBusiness Planning

focus_markets

• Individuals
• Families
• Business Owners
• Certified Public Accountants (CPA)
• Attorneys
• Medical Professionals
• First Responders
• Educators

advisor_title Financial Advisor

address_1 48 South Service Road, Suite 400

address_city Melville

address_state NY

address_zip11747

office_phone(516) 391-0313

mobile_phone

email fcirasola@financialguide.com

biographyI focus my practice on the risk management, employee benefits, insurance, business, retirement and investment planning needs of individuals, families, business owners, certified public accountants (CPA), attorneys, medical professionals, first responders and educators.

Prior to joining Charter Oak, I worked in international banking, and auto sales and service.

Outside of the office, I am a member of the Queens Chamber of Commerce. In my spare time, I enjoy biking, going to the gym, practicing yoga and a good round of golf.

I reside in East Rockway, NY and am the proud father of twins.

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calendar kconlon@financialguide.com

linkedin https://www.linkedin.com/in/kevin-j-conlon-clu-cltc-00649713/

areas_of_practiceHealth Insurance

focus_markets

• Business Owners
• Professionals
• Attorneys

advisor_title CLU® CLTC® LUTCF®

address_1 48 South Service Road, Suite 400

address_city Melville

address_state NY

address_zip11747

office_phone(516) 391-0324

mobile_phone(516) 220-9843 (Call Only)

email kconlon@financialguide.com

biographyI have been providing my clients with comprehensive financial planning for over 40 years, focusing on: • protecting income in the event of a disability • life and health insurance • investment planning

Throughout my career, I have worked with individuals, families, business owners and professionals to help them plan for the unexpected. My strategies are anchored by a phrase I swear by, “Your greatest asset is your ability to earn a living, and if you can’t work, how will you take care of your family?” I believe that having a plan in place will help position you to live the life you’ve always imagined, while feeling reassured about your financial future.

In addition to my 40 years of experience in the industry, I also hold professional designations as a Chartered Life Underwriter (CLU®) and a Certification for Long Term-Care (CLTC®) from the CLTC Board of Standards.

Happily married for 42 years, my wife and I live on Long Island with our two dogs. We love traveling the world and spending time with our two children and granddaughter. Outside of spending time with my family and running my practice, I am a musician and active in my community as a dedicated member of Sacred Heart Church in North Merrick, NY.

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calendar calendly.com/acoyne

linkedin https://www.linkedin.com/in/andrew-j-coyne-157572197/

areas_of_practiceIncome Protection

focus_markets

• Medical Professionals
• Doctors
• Physician Assistants (PA)
• Registered Nurses (RN)
• Registered Nurse Practitioners (RNP)

advisor_title Managing Associate

address_1 330 Whitney Avenue, Suite 600

address_city Holyoke

address_state MA

address_zip01040

office_phone(413) 539-2303

mobile_phone(413) 262-1241 (Call Only)

email acoyne@charteroak2stg.wpengine.com

biographyI focus my practice on the retirement planning and insurance needs of medical professionals such as: doctors, physician assistants (PA), registered nurses (RN) and registered nurse practitioners (RNP).

Prior to joining Charter Oak, I worked in landscaping and real estate. I graduated from Elms College with a degree in business management. I also earned a degree in computer science and technology from Springfield Technical Community College (STCC).

Outside of the office, I am a fan of Notre Dame football, traveling and spending time with friends, family and my three dogs: Mikey, Riley and Hickory. I reside in Wilbraham, MA.

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calendar jtierney@financialguide.com

linkedin https://www.linkedin.com/in/tierneycapital/

areas_of_practiceIncome Strategies

focus_markets

• Individuals
• Families
• Small Business Owners

advisor_title Financial Advisor

address_1 330 Whitney Avenue, Suite 600

address_city Holyoke

address_state MA

address_zip01040

office_phone(413) 539-2081

mobile_phone(413) 531-4279 (Call Only)

email jtierney@financialguide.com

biographyI've always been a numbers guy with an interest in finance. I attended the University of Massachusetts, Amherst and graduated with a degree in economics. While studying at UMass, I completed an independent study on the wealth management industry alongside Douglas Cliggott, a 30-year industry veteran. I also earned the Evelyn Barber Finance and Entrepreneurship Award during my time at UMass.

Upon graduation, my passion to help others find their own sense of financial independence led me to a career in the financial services industry. I run a successful practice focused on helping people establish and work towards their financial goals. My dedication, desire, and approach to clients' challenges have led me to become an emerging leader within the firm.

I work primarily with individuals and families that have accrued student loan debt, have existing rollovers, and those undergoing job changes. I also work with small business owners to help guide them in wealth building.

When I'm not working, I enjoy playing lacrosse and coaching at the Northfield Mount Hermon School. I reside in Westfield, MA.

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calendar rdietz@financialguide.com

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areas_of_practiceDisability Income

focus_markets

• Individuals
• Families

advisor_title Financial Advisor

address_1 40 White Oaks Drive

address_city Longmeadow

address_state MA

address_zip01106

office_phone

mobile_phone(413) 575-3793 (Call Only)

email rdietz@financialguide.com

biographyI focus my practice on risk management, life insurance, disability income, long-term care and retirement planning. I have dedicated my entire three-decade career to helping individuals and families.

Outside of the office, I enjoy a variety of different outdoor activities like golfing, skiing and gardening. When I'm not spending my time outdoors, I like cooking, reading and traveling with my family. I currently reside in Longmeadow, MA with my husband and our two children.