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The Team

team∙work, noun: Cooperative effort by the members of a group or team to achieve a common goal.

We couldn’t do it alone. Frankly, we wouldn’t want to.

With their four decades of combined experience and varied skills, Artie, Denny and Chris form a versatile team capable of providing the financial planning retirees and pre-retirees need to pursue their retirement dreams.

The team’s services range from retirement-income, disability-income and Medicare planning to Social Security maximization, business-benefits consulting, 401(k) implementation, and investment counseling.

They say their mission is twofold:

  1. To help keep clients from unknowingly and unnecessarily depleting their retirement savings, and
  2. Create strategies designed to minimize the chances clients outlive their money.

Or to put it another way…

“The perfect retirement financial plan is where you enjoy all of your nest egg and the only check that “bounces” is the one written to the undertaker after you’re gone!”

Artie Bernaducci

Founder & Financial Advisor

Artie Bernaducci is the founder of Retirement Income Advisors, LLC, and has been working in his favorite profession since 1991. Throughout his career, his priority has been to help clients understand financial gobbledygook and make it simple for them to plan their retirement. He quickly found effective ways to communicate so people could respond to advice and help improve their situation versus them doing nothing at all about their future. He often stated, “It was no fun to try and help someone while I used language that caused their eyes to glaze over!”

After graduating from Ball State University in Indiana with a B.S. degree in soil science, he was unable to find work in his major area of study, so he went into the masonry business with his family and ran his own successful company for more than a decade. The masonry business also has its own gobbledygook, and even through a learning curve then, Artie worked hard to simplify the language in day-to-day business. With his transition to the financial world, it was a given that he apply this same approach and ensure clients could understand the industry “mumbo jumbo” in order to move forward with planning their retirement.

Artie is passionate about helping people and enjoys connecting with his clients. His focus includes retirement and financial income planning, and especially assisting baby boomers who are approaching or are already in retirement. His aim is to educate clients and support them with the retirement knowledge they need to help them through their life stages.

He has co-authored with his colleague, Denny Frasiolas, the book Strategies to Create Lifetime Income for Baby Boomers and is also writing a second book, Baby Boomer Retirement Roadmap, that will soon be published. He also speaks at seminars on retirement and financial income planning.

Artie has a grown daughter, Rosaleen and a son, Louis Kolydas. Artie’s main interests are his family, bodybuilding, yoga and meditation, marketing, veganism, Oriental Medicine and “paying it forward.”

Denny Frasiolas

Managing Partner and Chief Investment Officer

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Denny Frasiolas is managing partner and chief investment officer at Retirement Income Advisors, LLC, and has been a financial professional since 2001. He focuses on educating pre-retirees, with an emphasis on baby boomers, about wealth distribution planning and IRA/401(k) investment services. He’s also an author, speaker, business consultant and entrepreneur.

Denny knew he wanted a career in financial planning after he helped a family member who unexpectedly lost a loved one. The finances weren’t in order, there were many unfamiliar accounts, and it was unclear if there was a retirement plan in place. He took responsibility to restore order and created a financial plan that worked to their benefit and helped them save more toward their nest egg. When things suddenly change in life and there’s no plan in place, you scramble to figure things out. Denny didn’t want others to experience the same.
He holds a B.S. degree in finance, and a B.S. degree in operations management from Indiana University’s Kelley School of Business. He also received his master’s degree in mathematics education from The College of New Jersey. In addition, he has held several highly regarded positions in his professional career, including positions at Bank of America (formerly Fleet Bank) as a financial analyst and MetLife as an investment advisor representative.

Denny has co-authored with his colleague, Artie Bernaducci, the book Strategies to Create Lifetime Income for Baby Boomers and is also writing a second book, Baby Boomer Retirement Roadmap, that will soon be published.

He is devoted to improving people’s financial literacy and has spoken to the general public about retirement and financial income planning, Social Security, Medicare, and identify theft. He’s also been a guest at several corporations speaking to insurance agency sales force personnel, attorneys, certified public accountants, financial advisors and insurance agents.

Denny is the co-founder of two companies, All Access Brokerage, LLC, which manages human resources, payroll, and employee benefits for corporations in New York, New Jersey, and Pennsylvania, and offers Medicare education and enrollment services, and C&D Property Management, LLC, which offers redevelopment and restoration of residential properties in urban areas to provide affordable homes to inner city residents. He was a past chapter president of the 501(c)(3) nonprofit public benefit corporation, The Society for Financial Awareness (SOFA).

At the center of his life is his beautiful wife, Erin, and their three wonderful children, Parker, Mason, and Charlotte.

Christopher Reyes

Partner & Insurance Advisor

Christopher graduated from Rutgers with a B.A. in Economics and has worked in financial services since 2003.

He started his career as a bond broker at Hennion & Walsh, a municipal bond wholesaler. Chris then shared a partnership with Denny at MetLife as a financial services representative. 
Along with being an insurance advisor and partner at Retirement Income Advisors, LLC, Chris holds a position at United Healthcare in the Medicare solutions division.

Chris gives back to the community through charitable organizations for underprivileged children.

He spends his leisure time on home-improvement projects.

Kerry Stachowski

Insurance Advisor

Kerry explains difficult concepts in an attempt to make clients feel more confident about their finances and insurance options, and she’ll use the most relevant analogies to help them understand. She knows how to make sense of a complicated topic.

As an insurance advisor for the firm, Kerry provides guidance on the protection element of the financial planning process, such as long-term care, and life, health and disability insurance. She’ll review a client’s situation, help them determine how much insurance coverage they might need, and educate them on how to protect against a financial hardship.

She knew she wanted to help others when she became aware of clients who didn’t have a proper retirement plan in place or had no direction or goals established. She also wanted to support others who were afraid to ask for help or didn’t have the knowledge that the recommendations they were given were not in their best interest.

Kerry has over 25 years of experience in marketing, business development, and management. Her background encompasses a mix of corporate and entrepreneurial experiences that include the launch of three successful businesses in retail, consulting, and publishing, in addition to over 12 years in financial services with MetLife and Guardian.

She is the founder and publisher of Jersey Shore Woman™, a brand founded in 2008 that was created to connect women in the Monmouth and Ocean County areas with resources to improve their lives and well-being. The brand includes a print and online publication, educational seminars on various topics of interest to women, including financial and investment management, and business-to-business networking meetings for aspiring entrepreneurs and established women business owners.

Kerry is a past officer and board member of the National Association of Women Business Owners™–Central Jersey chapter. She is also past president of the South River-East Brunswick Rotary Club.

She is involved in launching several chapters of Daughterhood™, a nationwide organization whose mission is to support and build confidence in women who are managing their parents’ care.

Married to her high school sweetheart Joe, Kerry and her husband enjoy traveling, and bicycling and life at the Jersey Shore.
 

Denny Frasiolas and Artie Bernaducci are investment advisor representatives of, and securities and advisory services are offered through, USA Financial Securities Corp., Member FINRA/SIPC. www.finra.org A Registered Investment Adviser located at 6020 E. Fulton St., Ada, MI 49301. Retirement Income Advisors, LLC is not affiliated with USA Financial Securities.

 

Denny Frasiolas and Artie Bernaducci are authorized to transact securities related business and investment advisory services only in states where he is properly registered. For investment products and services these states include: (Artie: NC, NJ, NY) (Denny: NJ, NY) . For investment advisory services these states include:(Artie: NC, NJ) (Denny: FL, NJ) Additionally, clients who are not residents of these states cannot be serviced. This website is not intended to provide investment, legal, or tax advice, nor to effect securities transactions or to render personal advice for compensation. 

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