Data sourced from SEC public records (and other sources when available). Some details may be added by the advisor after claiming their profile. Refreshed daily • Updated today.
Credentials
Series 63, Series 66
Experience Industry experience
35 years
Location
Kingston, NY 12401
OSAIC Institutions, INC.
Enterprise
Michael Risko is a financial advisor with OSAIC Institutions, Inc., holding Series 63 and Series 66 licenses and bringing 35 years of industry experience. His career includes roles at Infinex Investments, Inc., Essex National Securities, Inc., BlackRock Fund Advisors, and Invesco AIM Private Asset Management, Inc. He is based in Kingston, NY. OSAIC Institutions, Inc. serves individuals, ERISA retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives, offering a range of advisory services including financial planning, ERISA plan management, and access to alternative investments. The firm operates a hybrid adviser/broker-dealer model with both discretionary and non-discretionary account management, supported by a lending marketplace and third-party manager relationships.
Based on OSAIC Institutions, INC.
Fixed or flat fees for financial planning and consulting services up to $25,000 or more for high net worth individuals.
$0+: Up to 2.50%, negotiable (maximum advisory fee) for customized advisory services $0+: Up to 1.25% for ERISA plan services, negotiable $10,000+: Minimum for AMP wrap fee program $5,500+: Minimum for UMA wrap fee program
Commissions earned by IARs when selling securities or insurance products as broker-dealer representatives; may receive trail fees and other compensation.
Hourly fees generally range from $50 to $750 per hour for financial planning and consulting services.
Minimum fee: Fixed or flat fees for financial planning and consulting services generally range up to $25,000, can exceed for high net worth individuals; hourly fees generally range from $50 - $750 per hour, not exceeding $25,000 annually. Fee-only: Financial planning and consulting services offered for fixed fees or hourly charges; no commissions charged for these advisory services.
Kingston, NY Ulster Ave.
1296 Ulster Ave.
Kingston NY 12401
Advisors at this office
1
Michigan · New Jersey · New York
35 years of industry experience
Infinex investments, Inc.
2016 - Present • 10 years
Hyde Park, NY
Essex National Securities, Inc
2009 - 2016 • 7 years
Paramus, NJ
Blackrock Fund Advisors
2007 - 2009 • 2 years
Invesco AIM Private Asset Management, Inc.
2007 - 2007 • 1 year
Houston, TX
Invesco AIM Private Asset Management, Inc.
2002 - 2006 • 4 years
Houston, TX
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
A client's investment-related complaint, arbitration or lawsuit, including ones that were denied, withdrawn or settled.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Trust company
They provide trust and estate administration services, typically for separate fees.
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Is not active or affiliated with:
Bank
They're affiliated with a bank that may offer its own financial products and services.
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Lawyer
They provide legal services, typically billed separately.
Real estate agent
They facilitate real estate transactions and may earn commissions.
CFP®, Series 63, Series 65
Saugerties, NY
Briarcliff Manor Wealth Advisors
Thomas Vaccaro Jr. is a CFP® and registered investment advisor with Briarcliff Manor Wealth Advisors, where he has worked since 2005. He has three years of industry experience and also operates BMWA Notary Services, providing notary services for residential mortgage transactions in New York. Briarcliff Manor Wealth Advisors manages discretionary investment accounts and offers personal financial planning for individuals, small businesses, and trusts, using a combination of fundamental and technical analysis with a focus on tax-aware investing.
CFP®, Series 63, Series 66
Clinton Corners, NY
Hudson Delaware Planning LLC
Brian Schmidt is a financial advisor at Hudson Delaware Planning LLC with 13 years of industry experience. He holds the CFP® designation as well as Series 63 and Series 66 licenses. Prior to founding Hudson Delaware Planning in 2019, Schmidt worked at Ameriprise Financial Services Inc. and The Depository Trust & Clearing Corp. Outside of advisory work, he is involved with Redbud Farms LLC. Hudson Delaware Planning provides financial planning and consulting services to individuals, high-net-worth clients, and business entities. The firm focuses on comprehensive, written financial plans covering areas such as retirement, tax, estate, and business consultation, operating on a planning-only model without managing or custodial responsibilities.
Series 63, Series 65
Stone Ridge, NY
Stone Ridge Advisors
Mark Stern is a financial advisor at Stone Ridge Advisors with 25 years of industry experience. He holds Series 63 and Series 65 designations. His prior work includes roles at Integrated Wealth Concepts, Laurel Wealth Advisors, Founders Albatross, and Point Windward Advisors. Stone Ridge Advisors is an independent, fee-only firm serving primarily individuals and high-net-worth clients, as well as pension and profit-sharing plan clients. The firm emphasizes financial planning, multi-asset diversification, and a disciplined, long-term investment process that incorporates proprietary models and a blend of asset classes.
Series 63, Series 65
Staatsburg, NY
Bantam Inc.
John Duval Jr. is a financial advisor at Bantam Inc. with 13 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Bantam Inc. since 2017 and at Accelerant LLC since 2004. In addition to his advisory work, he manages a securities litigation consulting firm where he serves as an expert witness. Bantam Inc. provides investment management and financial planning primarily to ultra-high-net-worth individuals, families, select institutional clients, and high-trajectory athletes. The firm employs a combination of fundamental, quantitative, technical, and macroeconomic analysis augmented by AI, offering services that include discretionary portfolio management, pension consulting, and tailored CFO services for athletes.
Series 66
Germantown, NY
Ryefield Capital, LLC
Alan Lax is a financial advisor with Ryefield Capital, LLC, an independent firm based in Germantown, NY. He holds the Series 66 designation and has 13 years of industry experience, including prior roles at Merrill and Gunnallen Financial, Inc. Ryefield Capital, LLC provides portfolio management and retirement planning services for individuals, professionals, and small businesses. The firm uses a combination of fundamental and technical analysis in an opportunistic approach focused on capital appreciation, and it employs tactical hedging when appropriate.
Series 63, Series 65
Lake Hill, NY
Divine Asset Management LLC
Danielle Hughes is a financial advisor at Divine Asset Management LLC with 33 years of industry experience. She holds Series 63 and Series 65 credentials and has worked with firms including Churchill Stateside Securities LLC and Essex Securities, LLC. Hughes serves on the board of Hudson Valley Women in Business, Inc., a nonprofit supporting women entrepreneurs and executives, where she is Treasurer. Divine Asset Management LLC offers discretionary investment management, comprehensive financial planning, and retirement plan advisory services to individuals, high net worth clients, trusts, estates, business owners, and institutional clients. The firm manages portfolios tailored to client objectives using a combination of fundamental, technical, and macro analysis and provides strategic business advisory services under separate agreements.
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