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DIRECTORY 5th Street Advisors

34 Fifth St. Stamford, Conn. 06905 203-327-1212

Catamount Wealth Management 943 Post Road East Westport, Conn. 06880 203-226-0603

Charter Oak Insurance and Financial Services Co.

501 Merritt 7, Fifth Floor Norwalk, Conn. 06851 203-359-5300

Clarfeld Financial Advisors WESTCHESTER

520 White Plains Road Third Floor Tarrytown, N.Y. 10591 914-846-0100

NEW YORK CITY 1185 Avenue of Americas Third Floor New York, N.Y. 10036 212-956-9494

LoB Planning Group

2900 Westchester Ave., Suite 308 Purchase, N.Y. 10577 914-428-6440




Pell Wealth Partners,

a private wealth advisory practice of Ameriprise Financial Services, Inc. 800 Westchester Avenue, Suite 300 Rye Brook, N.Y. 10573 914-253-8800 THE CHURCHILL 300 East 40th St., Suite 28R New York, N.Y. 10016

The Peloso-Barnes Group at Morgan Stanley 2000 Westchester Avenue 1NC Purchase, N.Y. 10577 914-225-6391

Strategies for Wealth

WESTCHESTER 800 Westchester Ave., Suite N-409 Rye Brook, N.Y. 10573 914-288-8800 MANHATTAN 120 Broadway, 37th Floor New York, N.Y. 10271 212-701-7900 LONG ISLAND 50 Jericho Quadrangle, Suite 301 Jericho, N.Y. 11753 516-682-2500 NEW ENGLAND 1 State Street, Suite 100 Providence, R.I. 02908 401-228-8800



Centralizing Your Financial World


ITH OVER 35 YEARS of industry experience and 100 wealth management professionals, Clarfeld is one of the industry’s premier advisory firms and multifamily offices, providing client-driven expertise to a variety of domestic and global clients. The firm manages over $6 billion of assets on behalf of:

HIGH NET WORTH INDIVIDUALS AND FAMILIES • Senior corporate executives • Professionals • Business owners • Related entities including trusts and family foundations NONPROFIT ORGANIZATIONS • Endowments • Foundations • Charitable organizations The firm has built continued success through an unrivaled business model rooted in its key tenets that guide and shape the firm’s dynamic culture: • Providing client-driven service with an attentive boutique mentality • Offering a multi-faceted and comprehensive approach to wealth management • Serving clients in the U.S. and worldwide Within a crowded industry, the firm has solidified its niche by establishing a fully integrated, multi-disciplined approach to managing the financial affairs of affluent families. This Family Office approach supports the ability to: Grow, Protect, Administer and Transfer family wealth. The ultimate success of a financial legacy lies in the seamless, careful and thoughtful incorporation of all of aspects of a family’s complex financial

universe. To meet this objective, Clarfeld implements its established and distinct approach through a full breadth of wealth management services: CORE SERVICES • Investment Management • Financial Planning • Estate and Trust Planning

• Tax Planning and Preparation • Insurance and Asset Protection • Personal Financial Management

SPECIALTY SERVICES • Nonprofit Organizations • Divorce Planning and Support • LifeSlate Estate Plan Management Clarfeld stands out for its multi-disciplined team, cutting-edge technical expertise and commitment to client service. These accomplishments are recognized each year with highly competitive third-party rankings. In 2017: BARRON’S “Top 100 Independent Wealth Advisors” list named Rob Clarfeld the #2 advisor in the U.S. and the #1 advisor in New York for the ninth consecutive year. FORBES’ “America’s Top Wealth Advisors” list ranked Rob Clarfeld the #1 independent advisor in New York and #12 overall in the U.S. In 2017, the firm also received notable rankings from the Financial Times, Bloomberg and Financial Advisor magazine.


520 White Plains Road 3rd Floor Tarrytown, NY 10591 Main: 914-846-0100 Email:

New York City

1185 Avenue of Americas 3rd Floor New York, NY 10036 Phone: 212-956-9494 Email:

Past performance may not be indicative of future results. Different investments involve varying degrees of risk. There can be no assurance that the future performance of any specific investment, strategy, or product will be profitable, equal any historical performance level(s), be suitable for you, or prove successful. You should not assume that any discussion or information contained in this article serves as the receipt of, or as a substitute for, personalized investment advice from Clarfeld. If you have any questions regarding any issue discussed above, you should consult the professional advisor of your choosing. Clarfeld is neither a law firm nor a certified public accounting firm and no portion of the article content should be construed as legal or accounting advice. A copy of the Clarfeld’s current written disclosure Brochure discussing our advisory services and fees is available upon request. Please Note: Rankings and/or recognition by unaffiliated rating services and/or publications should not be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if Clarfeld is engaged, or continues to be engaged, to provide investment advisory services, nor should it be construed as a current or past endorsement of Clarfeld by any of its clients. Rankings published by magazines, and others, generally base their selections exclusively on information prepared and/or submitted by the recognized adviser. Rankings are generally limited to participating advisors.






Your finances in balance, your life in harmony.

Katherine McGinn, CFA – Financial advisor; Anthony Rizzuto, CFP®, APMA®, CLU® - Financial Advisor & COO; Geri Eisenman Pell, CFP®, MBA, CDFA™ - Private Wealth Advisor & CEO; Sheila Spicehandler, CRPS®, APMA®, MBA – Financial Advisor & Senior Vice President; Douglas Messina, CFP®, CRPC®, APMA®- Financial Advisor; Ziyah Esbenshade, CFP®, CRPC® - Financial Advisor


T PELL WEALTH PARTNERS we take pride in our commitment to creating a life-changing personalized experience for every client. Our knowledge, passion, and desire to see others achieve financial wellness has driven our ability to listen intently and become not only your advisors, but your advocates. As leaders in the industry we believe in the power of Impact Investing and the profound effect it can have on the world and your life. Our team is committed to offering tailored investment solutions with an eye towards environmental, social, and corporate governance opportunities through deep investment research and a broadly diversified portfolio. Our enthusiastic, highly talented team can help steer you forward more confidently in your finances, encouraging you to take actions that reflect each of your most coveted family and investment values.


• Comprehensive Financial Planning • Retirement Income Strategies • Divorce Financial Planning • Executive Compensation & Benefit Strategies • Estate Planning Strategies • Sustainably Responsible Investing • Women’s Financial Strategies • Wealth Management Geri Eisenman Pell, CFP®, MBA, CDFA™, Private Wealth Advisor CEO of Pell Wealth Partners Barron’s Top 100 Women Financial Advisors 2009-2017 Barron’s Top 1,200 Financial Advisors: State-by-State Ranking – 2014-2017

Proudly serving the communities of Westchester, Manhattan, and Orange County.

Pell Wealth Partners, a private wealth advisory practice of Ameriprise Financial Services, Inc. 800 Westchester Avenue, Suite 300 Rye Brook, New York 10573 914.253.8800 |

The Churchill 300 East 40th Street, Suite 28R New York, New York 10016

Investors could experience increased risk when limiting investment choices to a specific industry sector that may or may not perform as well as other industry sectors. Investment products, including shares of mutual funds, are not federally or FDIC-insured, are not deposits or obligations of, or guaranteed by any financial institution, and involve investment risks including possible loss of principal and fluctuation in value. Barron’s® listings are based on data compiled by many of the nation’s most productive advisors, which is then submitted to and judged by Barron’s®. Key factors and criteria include: assets under management, revenue produced for the firm, regulatory and compliance record, and years of professional experience. Barron’s® is a registered trademark of Dow Jones, L.P.; all rights reserved. The Compass is a trademark of Ameriprise Financial, Inc. Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP (with flame design) in the U.S. Investment advisory services and products are made available through Ameriprise Financial Services, Inc., a registered investment adviser. Ameriprise Financial Services, Inc., Member FINRA and SIPC. © 2017 Ameriprise Financial, Inc. All rights reserved. 1914903ACMR1017






The Strategies Team at our Habitat for Humanity Build Day - 6.28.17



WE EMPOWER THE GENERATIONS we will never meet through the conversations we have today. Our organization is committed to building relationships that shift the world’s understanding of wealth. We deliver — with integrity and unparalleled service — protection and prosperity that help transform the lives of our clients, their families and communities.


800 Westchester Ave., Suite N-409 Rye Brook, NY 10573 914.288.8800


120 Broadway, 37th Floor New York, NY 10271 212.701.7900


50 Jericho Quadrangle, Suite 301 Jericho, NY 11753 516.682.2500


1 State Street, Suite 100 Providence, RI 02908 401.228.8800

The Guardian NetworkTM is a network of independent agencies authorized to offer products of The Guardian Life Insurance Company of America (Guardian), New York, NY and its subsidiaries, and is not an affiliate or subsidiary of Guardian. Securities and advisory services offered through Park Avenue Securities LLC (PAS), member FINRA, SIPC. 212-701-7900. PAS is an indirect, wholly owned subsidiary of Guardian. Strategies for Wealth is not an affiliate or subsidiary of PAS or Guardian. 2017-47473






Financial advice should be understandable WE KEEP IT SIMPLE.

OUR FLEXIBLE PORTFOLIO MANAGEMENT STRATEGY is designed to best suit your situation, not just fit a model. As a boutique firm, we provide unbiased advice on your total financial picture.

Let us help you build a portfolio reflective of your personal goals. 203-226-0603 |

From left, Laurie Stefanowicz, managing partner; Judy Burke, Louis Albanese, managing partner and president; Louis Albanese II and Matt Monroe.

One Size Does Not Fit All


FAMILIES, INDIVIDUALS, BUSINESS-OWNERS, sports figures, executives, large companies, small companies, and so much in between: They’re all our clients, and their planning and protection goals are as unique as they are. That’s why we continue to challenge the assumption that technical knowledge alone is enough to serve their needs. We’ve built a team of insurance experts and financial advisors whose broad-ranging real-life experiences are as integral to their work as their business expertise. Their diverse backgrounds and skills lend themselves to more authentic guidance for the spectrum of clients we serve. By looking at things a little differently, we’re able to offer (and gain) the insights we feel are necessary to build relationships rooted in understanding and trust. And speaking of trust, we believe that connecting to our past—to

the days when business was done on a handshake and people looked out for one another—is just as important as breaking the mold. Our work has always been about helping people achieve their goals, protect their families and set a path for financial security. That’s a worthy pursuit we’re proud to take on every day.

501 Merritt 7, 5th Floor, Norwalk, CT 06851 Brendan Naughton, General Agent 203-359-5300

MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its affiliated companies and sales representatives. CRN201812-219454




Jason Castaldi, Managing Director 203-359-5307



The Peloso-Barnes Group at Morgan Stanley Julia A. Peloso-Barnes, CFP®, ADPA®, CPM®, CRPC® , Wealth Advisor Erik W. Hayden, Financial Advisor Erik W. Hayden and Julia A. Peloso-Barnes, CFP®, ADPA®, CPM®, CRPC®


OU DESERVE A FINANCIAL TEAM THAT MAKES YOU FEEL WELL CARED FOR, informed and secure. Advisors who understand the critical importance of your hopes and fears. Allies who celebrate your life choices and help you plan so that your dreams can come true. If you are following a unique path, be it what you do, where you live or who you love, you’re likely to encounter complex circumstances. We understand those challenges. We are dedicated to simplifying the financial intricacies of your life. We get you and we’ve got your back. As our client, you are smart, talented, and dedicated to forging your own way in the world. You may even have created a new path that wasn't expected, anticipated, desired or understood by the people around you. You may not have planned your path, but have discovered along the way that it's the most authentic choice available to you.

We are intimately familiar with what it’s like to take courageous risks in life. That’s who we are and those are the people we work with. We support you in following your heart because that’s what we do, too. We know it’s aligned to your deepest truth.

The Peloso-Barnes Group at Morgan Stanley

2000 Westchester Avenue 1NC, Purchase, NY 10577 914-225-6391

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the US. Morgan Stanley Smith Barney LLC. Member SIPC.

Invest with Purpose. Invest with a Plan.


Adam B. Rude, CFP®

F YOU’RE THINKING ABOUT RETIREMENT, PURCHASING A HOME, FUNDING A CHILD’S EDUCATION, CREATING A CHARITABLE LEGACY OR PROTECTING YOUR FAMILY, it’s a challenge to ensure that your investments are aligned with your goals. Lob Planning Group can help you chart a course and adapt to changing conditions to work toward your ultimate goals. We use sophisticated tools to help take advantage of strong markets and reduce exposure in adverse conditions. We strive to find the strongest areas of the market so you are not simply “in the market” but invested wisely. Our philosophy is simple: we prize growth, but believe it should be pursued at reasonable prices. We believe keeping costs low is essential to longterm success. And we believe that it’s critical to watch for the development of conditions that can harm a portfolio — and the transitions to and from them.

Gayle S. Lob, CFP®

Successful investing requires clearly defined purposes, constant, close attention to detail and the discipline to act (or not) on the facts. If this approach resonates with you, please contact us for a consultation. Let us show you how your money can work harder, smarter and with purpose — your purpose.

Lob Planning Group

2900 Westchester Ave., Suite 308, Purchase, NY 10577 TEL: 914.428.6440 | FAX: 914.428.5655 WEB: | EMAIL:

Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Stratos Wealth Partners, Ltd., a registered investment advisor. Lob Planning Group and Stratos Wealth Partners are separate entities from LPL.







WWW.5THSTREETADVISORS.COM 5th Street Advisors, LLC is an SEC Registered Invested Adviser with its principal place of business in the State of Connecticut. For information pertaining to our registration status please contact 5th Street Advisors or refer to the Investment Adviser Public Disclosure website ( 108



WAG Faces of Finance