Strategic financial and investment advisor with a focus on long-term growth of capital, tax efficiency, retirement and estate planning, and financial risk management. I provide comprehensive and fully customized financial planning to clients in multiple states, in English and Spanish.I provide bespoke investment management, in which I function as the principal portfolio manager who strategically chooses and manages each client's individual holdings. Together with my team of sub-advisors, we are focused on the tax-efficient long-term growth of capital as well as the minimization of investment level fees. Apart from investment management, I offer a no-cost audit of financial accounts with no strings attached. Comprehensive financial planning services may include (but are not necessarily limited to):^ Diversification of financial assets;Optimization of retirement income;Estate planning and efficient distribution of wealth;Financial risk management and insurance (life, disability income, long-term care planning);Corporate benefits and business succession planning; College tuition planning;Private pension planning.*** Investment advisory services offered through Integrity Advisory Solutions, LLC ("IAS"), an investment advisor registered with the SEC. Integrity Wealth is a marketing name for IAS. IAS was formerly known as Burlington Alliance Capital Management. IAS does not offer legal or tax advice; please consult the appropriate professional regarding your individual circumstance.^ Diversification does not guarantee a profit or protect against a loss in a declining market. It is a method used to help manage investment risk.

Member, Board of Directors. Member, Finance Committee.

Strategic financial advisor and investment management professional with a focus on tax efficiency, financial risk management and asset protection.AXA Advisors has updated the overall brand for our family of companies to Equitable Advisors (effective January 14 2020).

Independent financial advisor and retirement planning specialist based in Midtown Manhattan and serving the greater tri-state area. I work with individuals, families, business owners, accountants, and attorneys to achieve the following:* Tax-reduced and tax-free retirement income* Income and asset protection* Estate size reduction and legacy planning* Business insurance and business succession planning* Tax-deductible discretionary benefit plans for business owners (reduce current tax burden, increase retirement cash flow, and with the freedom to offer the plan to chosen partners or key employees) Following are 2 key factors which distinguish my services from those of many other advisors (apart from my knowledge and experience):*** I'm an independent advisor and agent. This means that my interests are best aligned with those of my clients (many advisors are restricted to working only with certain companies or products or else they have special incentives to sell certain products in favor of others)*** I consult in-house to one of the nation's leading independent insurance agencies (in business for 40+ years) with regards to advanced placements and strategy (see M&M Brokerage above)Currently, we have a unique proprietary benefit plan for business owners who are consistent high-income earners and who seek tax-advantaged cash accumulation within a company plan, with tax deductions for employers and the full control to select plan participants. In addition, I work with banks and private lenders on unique finance platforms that help clients to optimize insurance coverage.Since May 2006, via RG Consulting, I've consulted to institutional investors (banks, private equity, hedge funds), leading life agencies, and financial advisors in the life insurance capital markets arena regarding wealth management solutions for the affluent market - including life insurance premium finance and life settlements amongst other specialized products.

Via my firm RG Consulting Group (see above), I consulted in-house to one of the nation's leading independent insurance firms regarding advanced retirement planning solutions, life insurance case design, life insurance premium finance and other advanced market strategies and products including tax-deductible benefit plans for business owners. For the past 40+ years, M&M Brokerage - a top 30 full-service Managing General Agent - has served as a leading independent life insurance broker general agency, continually working with dozens of the nation's top-rated insurance companies to provide innovative products and resources to its agents and clients (which clients include business owners and the affluent market). This means that my personal clients and my partner agents benefit from M&M's unmatched resources, long-standing life insurance carrier relationships (with dozens of the industry's highest rated companies), 100% independence and objectivity, and unparalleled underwriting expertise and product savvy.

Via my firm RG Consulting Group (see above), I co-managed the daily operations of Traditions Capital in New York, which included the following responsibilities:• Supervised the funding of over $100M in life insurance death benefit for the firm's clients (financial advisors, accountants, top life producers) through premium finance lending and life policy settlement transactions.• Coordinated asset sales with attorneys and staff of hedge funds in order to implement wealth planning strategies and asset divestitures for clients.• Directed the firm’s sales and marketing initiatives. Through the introduction of vital business partners, created and managed a majority of the key revenue-producing relationships for the firm. • Managed a transaction team of 7 employees; the employees’ duties included operations and transactional work such as pricing and closing transactions, marketing initiatives, insurance underwriting initiatives, and client and relationship management.• During my association with the firm, over 60% of the company's gross and net revenues and over 55% of the dollar amount of death benefit (policy face value) funded resulted from relationships I created for the firm.

Via my firm RG Consulting Group (see above) and through my sales and marketing efforts, I created relationships for HM Ruby fund (a hedge fund) with top-producing financial advisors and life insurance agents which directly resulted in over $150M of life insurance death benefit being financed by their fund within a 12-month period (corresponding to over $12M being directly invested by their fund over that approximate time period). To achieve these objectives, I developed and implemented a marketing strategy to introduce their principal premium finance loan product into the marketplace. HM Ruby is a highly specialized hedge fund and asset-based lender that was actively lending in the premium finance marketplace between 2005 and 2008.

As Program Manager for Park Venture Advisors, one of the largest and most profitable insurance advisory firms in the country between 2004-2008, I managed a group of top producers which collectively funded over $1 billion in face value of life insurance death benefit. I initially joined Park Venture as a consultant in August 2005 to assist the General Counsel in developing, structuring and implementing new financing platforms. Within several months, I was managing Park Venture’s operational team with respect to both Credit Suisse First Boston’s premium finance platform and also for an innovative life policy settlement program that a leading global investment bank introduced to the marketplace in 2005. In this role, I helped manage the firm’s most profitable client relationships and I trained and led a team of employees to close transactions on a daily basis (including assisting the GC in closing on our first policies with the innovative life settlement program).

 Implemented Goldman Sachs' asset management division’s regulatory obligations under NASD Rule 3010 by conducting internal audits of the firm’s communications involving thousands of employees, clients and industry-wide participants. Primary employee responsible for these duties over a 7 month period. Safeguarded the firm from potential liability and reputational risk by regulating the internal and external distribution of documentation and data sent by Goldman's employees to clients and market participants. Provided guidance on best practices to senior management regarding regulatory and firm policies.

 Analyzed securities and mutual fund transactions for suitability and compliance with securities regulations.  Facilitated regulatory inquiries and executed projects for the firm's General Counsel. Investigated and responded to client complaints; made recommendations to firm's Sales Review Committee for suitable disposition of complaints and improvement of disposition processes; negotiated client settlement offers. Provided detailed accounting of mutual fund holdings and life insurance policies to clients.

As an investment banking analyst at Cohane Rafferty Securities (a subsidiary of Lehman Brothers), I supported a whole loans sales and advisory practice for almost three years by performing financial modeling and asset-backed loan analytics on performing and distressed bank assets including mortgages and consumer loans (non-securitized bank assets). Apart from utilizing financial analysis and product expertise as required by this role, I honed my relationship management skills by managing due diligence conference calls for clients and institutional investors. My efforts at Cohane Rafferty contributed to the completion of over two dozen transactions involving over $2 billion in asset exchange between 1999 and 2001.Cohane Rafferty became a subsidiary of Lehman Brothers Holdings in January, 2002. Sole analyst on asset backed loans transaction team providing sales and advisory services to leading financial institutions; supported sales force in over two dozen closed transactions involving over $2 billion in asset exchange.  Modeled and evaluated multiple classes of performing and distressed bank assets including residential and commercial mortgages, auto loans, equipment leases and credit card portfolios. Participated in the management of the due diligence process to prepare clients for asset portfolio auctions.  Advised clients on credit loss, delinquency, and credit reporting issues pertaining to asset sales and divestitures.

 Analyzed global market data related to trade and settlement issues, foreign exchange procedures, foreign investment restrictions, asset repatriation rules and emerging markets.