Scott M Garbien

Contact Ryan for: Updating & discussing your financial plan, questions relating to investment accounts & insurance policies, reviewing economic & market commentary, and learning more about our services. Ryan has a bachelor’s degree in Business Administration & Information Technology from Siena College. He has earned his FINRA Series 7 and 66 licenses, the Life, Accident, and Health Insurance license, the CLU® and ChFC® designations from The American College, and is a CFP® professional. Ryan helps clients quantify their financial goals, construct Financial Plans, and prioritize solutions that best suit their needs. Ryan is well versed in an array of topics, including risk management, wealth accumulation techniques, wealth preservation and income distribution strategies, and multi-generational planning. Ryan lives in Averill Park with his wife Ada, prioritizes healthy lifestyle habits, enjoys playing Fantasy Football, video games, and is embracing each phase of life.

Contact Olivia for: Appointment scheduling, updating personal information, including bank account information & beneficiaries, as well as insurance. Olivia graduated from the State University of SUNY Plattsburgh with a bachelor’s degree in Business Administration and Marketing, with a minor in Global Supply Chain. She was a member of Alpha Epsilon Phi sorority. Olivia’s career began in the retail environment, enhancing her customer service skills and efforts toward client retention. In her current role, Olivia assists in marketing-related activities, & maintains the team’s position in constant networking situations. She ensures efficiency and organization, allowing her team to focus their energy on building client relationships. Olivia comes from a family of strong Polish roots but was born and raised in New York State. She enjoys spending time with her husband, family, friends, traveling, the outdoors, and listening to music.

Contact Chris for: Investment account related inquiries such as money movement, account transfers, and securities trading. Chris brings over 35 years of financial industry experience to the team. Chris’ career began in banking, carefully listening to client needs and providing solutions using various deposit and credit products. He later transitioned into operational support of brokerage and advisory services. In 1997, he earned FINRA series 7 and 66 licenses, and the Life, Accident, and Health Insurance license. In his current role, Chris manages the operational side of the business, supporting a wide variety of products and services including brokerage, insurance, education, estate, and trust accounts, along with a focus on retirement and wealth management advisory services. A lifelong resident of Slingerlands and Voorheesville, Chris enjoys antiquing, traveling, long walks and spending time with his friends and family. He also enjoys cruises and Disney trips with his grandson.