user avatar

Michael Robert Dinich

Advisor at Your Money Matters Wealth Management, LLC — Sayre, PA

Updated today

Credentials

Series 63, Series 65

Experience

19 years

Location

Sayre, PA 18840

Your Money Matters Wealth Management, LLC

Independent

Total advisors

1

Clients per advisor

5 Low

Avg AUM per client

$45,018 Very Low

HNW client ratio

0% Low

About

Michael Dinich is the managing member of Your Money Matters Wealth Management, LLC and holds Series 63 and Series 65 licenses. He has 19 years of experience in the financial industry and has been involved with Your Money Matters since 1990. Outside of financial services, he owns Heritage Beef and Cattle Co., a cattle breeding and sales business. Your Money Matters Wealth Management, LLC provides personalized financial planning and discretionary portfolio management primarily for individuals and trusts. The firm maintains a small client base, offering tailored investment strategies and coordinating third-party money manager relationships as appropriate.

Client services

Based on Your Money Matters Wealth Management, LLC

Financial planning Portfolio management Selection of other advisers

Expertise

Based on Your Money Matters Wealth Management, LLC

General retirement planning

Not sure if this advisor is right for you?

Answer a few questions to see advisors matched to you.

Fee options

Fixed

Negotiable fixed fees up to $5,000 for financial planning services

Percentage

$0 - $250,000: 2.00% annually $250,001 - $500,000: 1.75% annually $500,001 - $1,000,000: 1.50% annually $1,000,001 - $2,500,000: 1.00% annually $2,500,001 - $5,000,000: 0.75% annually Over $5,000,001+: 0.50% annually

Project-based

Up to $250 per hour for financial planning services

Other

Fee-only: Fixed fees up to $5,000 for financial planning; hourly fees up to $250/hour for financial planning; negotiated fees for asset management and third party referrals.

Location

Sayre, PA

2382 Elmira St

Sayre PA 18840

Advisors at this office

1

Most active in

New York · Pennsylvania

Work history

19 years of industry experience

Heritage Beef and Cattle Co.

2012 - Present • 14 years

Sayre, PA

Your Money Matters Wealth Management, LLC

2008 - Present • 18 years

Sayre, PA

Your Money Matters

1990 - Present • 36 years

Sayre, PA

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

user avatar

Damien M

Series 63, Series 65

Elmira, NY

The Mustico Financial Group, Inc.

Damien Mustico is a financial advisor with The Mustico Financial Group, Inc. in Elmira, NY, holding Series 63 and Series 65 licenses and having 21 years of industry experience. He previously worked at FSC Securities Corporation, Inc. for 12 years before joining The Mustico Financial Group and Mutual Securities, Inc. in 2017. His outside activities include operating independent insurance agencies and providing trust and estate planning referrals through affiliated law firms. The Mustico Financial Group provides discretionary investment supervisory services and individualized portfolio management to a diverse client base including high-net-worth individuals, pension plans, and charities. The firm employs fundamental analysis and both long- and short-term strategies, managing about $316 million in assets across approximately 460 client relationships.

General estate planning guidance Retirement income strategy Cash flow / budgeting Wealth management Long-term care insurance
user avatar

Xavier M

CFP®, Series 66

Elmira, NY

The Mustico Financial Group, Inc.

Xavier Mustico is a financial advisor with The Mustico Financial Group, Inc. in Elmira, NY, holding CFP® and Series 66 credentials with seven years of industry experience. Prior to his current role beginning in 2020, he worked at Bank of America and Merrill. He serves on the board of Elmira Downtown Development, Inc., a nonprofit organization. The Mustico Financial Group provides discretionary investment supervisory services, portfolio management, and financial planning to individuals, including high-net-worth clients, as well as pension plans, charities, and other entities. The firm employs client-specific written investment guidelines, fundamental analysis, and both long- and short-term strategies, managing approximately $316 million across around 460 client relationships.

General estate planning guidance Retirement income strategy Cash flow / budgeting Wealth management Long-term care insurance
user avatar

Michael M

Series 63, Series 65

Elmira, NY

The Mustico Financial Group, Inc.

Michael Mustico is an advisor with The Mustico Financial Group, Inc. in Elmira, NY, holding Series 63 and Series 65 designations with two years of industry experience. He has been a managing partner at The Mustico Financial Group and a practicing attorney under the name Michael Mustico, Esquire since 2002. Outside of advisory services, he is a minority managing partner in a local real estate holding company that owns the building housing his firm. The Mustico Financial Group provides discretionary investment supervisory services, portfolio management, financial planning, and consulting to individuals, pension plans, charities, and other entities. The firm manages over $316 million across approximately 460 clients, employs fundamental analysis, and utilizes both long- and short-term strategies tailored to client-specific guidelines.

General estate planning guidance Retirement income strategy Cash flow / budgeting Wealth management Long-term care insurance
user avatar

Elizabeth M

Series 65

Elmira, NY

The Mustico Financial Group, Inc.

Elizabeth Mustico is a financial advisor at The Mustico Financial Group, Inc. with a Series 65 credential and one year of industry experience. She has been affiliated with The Mustico Financial Group since 2021. The Mustico Financial Group provides discretionary investment supervisory services, portfolio management, financial planning, and consulting to individuals, pension plans, charities, and other entities. The firm manages approximately $316.5 million across about 460 clients, using client-specific investment guidelines and a mix of long- and short-term strategies.

General estate planning guidance Retirement income strategy Cash flow / budgeting Wealth management Long-term care insurance
user avatar

Andrew C

Series 65

Elmira, NY

Valicenti Advisory Services Inc

Andrew Cartwright is a financial advisor with Valicenti Advisory Services Inc. He holds a Series 65 designation and has worked in the financial industry for 14 years, including his current role at Valicenti Advisory Services since 2012. Prior to this, he was employed by the Corning Painted Post Area School District for 13 years. Valicenti Advisory Services, Inc. provides discretionary investment management and financial planning to individuals, businesses, trusts, estates, charitable organizations, and retirement plans. The firm uses a top-down, Modern Portfolio Theory approach and offers additional services such as tax preparation, bookkeeping, payroll, and insurance products through an affiliated agency.

Options & derivatives strategies
user avatar

Joseph V

Elmira, NY

Valicenti Advisory Services Inc

Joseph Valicenti is the sole advisor at Valicenti Advisory Services Inc. in Elmira, NY, with 18 years of experience at the firm he founded. He holds relevant credentials and has developed his practice primarily through Valicenti Advisory Services since 2008. Valicenti Advisory Services provides discretionary investment management and financial planning to individuals, business entities, trusts, estates, charitable organizations, and retirement plans. The firm employs a top-down, Modern Portfolio Theory approach and complements its investment services with in-house tax preparation, bookkeeping, payroll, and affiliated insurance offerings.

Options & derivatives strategies
Warmer team member

Not sure where to start?

We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.

Find your advisor

For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor’s Form ADV and do your own diligence before deciding whether to work with them.

Advisor matching and introductions are provided by FinanceHQ LLC (“FHQ”), a wholly-owned subsidiary of Warmer and an SEC-registered investment advisor. We receive compensation from certain participating advisors for introductions or referrals. This creates a conflict of interest because we have an incentive to recommend advisors who compensate us, including those who pay us more. You pay no fee to use our matching service, and advisor fees are not increased because of a referral or introduction. We do not review the ongoing performance of advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.

By using our service, you agree to our Terms of Service and Advisory Agreement, and acknowledge our Privacy Policy. Please review FHQ’s ADV Part 2A and Form CRS. Logos provided by Logo.dev

© 2026 Warmer Holdings Inc. (“Warmer”)