Affiliated Representatives
Combined Experience To Serve Your Needs
Taking and Independent Course With Your Financial Future
It is important that a prospective client of our group understand the structure that supports our services.
In our view, we feel the best value added benefit we can offer is our independence.
Each of the offices you will see, are independently owned, and separate organizations. While we utilize the collective information available through such a large group, each office has created a practice that suits their skills and management styles.
Then what is our common thread?
Osaic Wealth, Inc.
Freedom Financial Planning
Client Services
Office: 585-678-8000 X 2 | E-mail: melissap@freedomrochester.com | Website: Visit my web site!
Freedom Financial Planning LLC
Michael Silverstein
Michael made his first stock trade on October 20, 1987. He remembers it well because it was the day after the worst single day stock correction in U.S. history, “Black Monday”. He gathered up his paper route money and bought RG&E stock in his father's account. The lesson of buying low and selling high has been ingrained in him ever since.
Today, Michael holds a Chartered Retirement Planning Counselor™, or CRPC® designation from The American College of Financial Planning. He lives in Honeoye Falls with his wife Lisa and two daughters. Michael enjoys movies, boating, sports, history, and yes – politics. He is on the Rochester Jewish Film Festival Committee and the Center for Holocaust Awareness and Information.
Funkhouser Shaffer Financial Services
Randy Shaffer
Office: 814-382-8686 | Mobile: 814-547-8137 | E-mail: rshaffer@osaicwealth.com | Website: Visit my web site!
Randy Shaffer is a Registered Representative and Investment Advisory Representative with Osai Wealth, Inc. Securities Corporation where he offers securities and investment advisory services. Osaic Wealth, Inc. is one of the largest independent broker/dealer firms in the country. He offers traditional insurance products through Funkhouser Shaffer Financial Services. Prior to becoming a financial advisor, Randy was a General Manager with American General Life and Accident with tenure of over twenty years.
Randy grew up in the Crawford County area and graduated with a BA degree from Allegheny College in Meadville, Pennsylvania. His industry designations include the Certified Financial Planner™ professional certification (CFP®), the Chartered Financial Consultant (ChFC), and the Chartered Life Underwriter (CLU). His securities registrations include the Series 7, Series 6, and Series 63 and is insurance licensed in Life and Fixed Annuities, Accident and Health, and Variable Life/Variable Annuities.
Randy is a member of the Million Dollar Round Table (MDRT), National Association of Insurance and Financial Advisors, and Kingdom Advisors. In addition to industry involvement, Randy is a member of New Beginnings Church of God, where he has served in previous leadership roles for many years.
Randy's hobbies and interests include building and flying control line model airplanes where he is an active member of the Bean Hill Flyers. He enjoys exercising and riding his motorcycle.
Randy and his wife, Mary, reside in Saegertown, PA with their dog, Bandit. They have four children and four grandchildren with which they enjoy spending time with.
Geralyn Gough
Geralyn Murphy Gough, CFP® has been a financial consultant since 2000, earning the Certified Financial Planner® designation in 2003 and the Accredited Asset Management Specialist (AAMS) in 2001. A graduate of SUNY at Oswego, she also spent 16 years working as the accountant and billing manager for a municipal public utility.
She has a long-term approach to helping clients build and seek to maintain wealth. She works with individuals, small businesses and non-profit organizations to help clients develop suitable investment habits and build portfolios
Active in many organizations and community events in Wellsville, she is a director and past president of the Rotary Club of Wellsville, a board member of the David A. Howe Public Library and also serves on the Educational Foundation of Alfred.
Geralyn is a lifelong resident of Wellsville, where she lives with her husband, Kenneth.
Carlo Runca
Office: 585-631-9333 | Mobile: 585-868-1984 | E-mail: crunca@osaicwealth.com |
Education
Niagara University, Niagara Falls NY; BS Business Management
Licenses/Registrations
NYS Life, Health, Disability
Series 6, 63
Affiliations
- Runca Financial Services, March, 1997 to present
- American General Securities, March 1997 – June 1999
- Phoenix Home Life, June, 1984 to March 1997
Scott Zakalik CPA
CPA
A former “Big 5” Tax Manager with over 7 years of public accounting experience, Scott specializes in federal and state income tax return preparation and consulting services for individuals, small corporations, partnerships, LLC's, trusts and estates.
Scott has a Bachelors of Science in Accounting degree from Binghampton University and a Masters of Science in Taxation degree from St. John Fisher College. He is also a Certified Public Accountant (CPA) , which is a must when choosing a qualified tax return preparer.
As an Adjunct Professor of Accounting and Finance a St. John Fisher College, he is helping to shape the careers of many students in Rochester, NY. Scott believes in giving back to the community and is a strong supporter of various causes including the creation of Environment 101, a not-for-profit organization geared towards environmental education.
Sharp Financial Services
Jennifer Sharp
Office: 607-532-9969 | Mobile: 607-532-8613 | E-mail: jsharp@osaicwealth.com | Website: Visit my web site!
After working in commercial real estate in Chicago, IL and Charlotte, NC for ten years, Jennifer returned to her home in upstate New York in 2007, to work side by side with her father, Karl Messmer. Karl's 30 plus years in the the financial services industry provided much guidance and support to Jennifer. In 2012, she purchased his practice and rebranded it as Sharp Financial Servies.
Jennifer works with both individuals and small businesses throughout the Finger Lakes region. She understands that every client is unique and deserves to receive an individualized approach to their retirement planning, estate planning, risk management, or business planning. One of her number one priorities is educating clients, enabling them to feel confident about the decisions they make, and their comprehensive financial plan. Jennifer also understands that as clients' lives change, so do their financial planning needs. Continued review and communication is key to a sound client/advisor relationship.
Jennifer is a graduate of Indiana University, Bloomington and is licensed in Life & Disability Insurance, Long Term Care Insurance, and Health Insurance, along with holding FINRA Series 7 and Series 63 Securities registrations.
Jennifer and her husband Shane, along with their children, Rian and Benjamin, reside in the hamlet of Sheldrake, along Cayuga Lake. She is very involved in the community, coaching youth sports, teaching religious education at her local church, and directing community events as part of the Four Town Community Center Board.
The Grace Financial Group
Marion G. Cuff, CFS®
Office: 973-729-9861 | Mobile: 973-271-4764 | E-mail: mcuff@osaicwealth.com | Website: Visit my web site!
Let Marion G. Cuff, CFS® show you how to grow your wealth, preserve your assets, and leave a legacy by creating a financial life plan for you, one that's designed to deliver the most meaningful kind of freedom: the freedom to live every day of your life knowing your goals and vision are possible!
The Grace Financial Group (TGFG) is the only woman- owned, independent financial planning firm in Sussex County, New Jersey. Since 1985, we've been working with clients from the tri-state area and beyond.
Walking the path with TGFG affords you confidence in your planning and ownership of your financial life. We value a holistic approach to money management. We begin our relationship by encircling every area of your financial life—assets and investments, liabilities and debt, taxes and insurance, social security and estate plans. Together, we'll look at where you are now, determining what's working for you and what's not. Then, we create your plan one module at a time.
Marion manages your investments looking for growth and downside protection. She personally creates your portfolios, which might include mutual funds, ETFs, UITs, stocks, and bonds as required. She does not use third party money managers. She subscribes to Morningstar, an independent research firm, to choose your funds and monitor your investments. Your asset allocation reflects your goals, your time frame, your ability to withstand losses, etc.
Two meetings a year keep you on course as new challenges and opportunities arise, recognizing that the success of your financial plan is not only about managing your money; it's about living your life.