Schenectady, NY Office

Ann Arceo is a financial advisor at Happiness in Retirement with 14 years of industry experience. She holds a Series 66 designation and has previously worked at Del Sette Capital Management, Rooted Planning Group, and Savvy Duo Financial Planning. Happiness in Retirement serves individuals, high-net-worth clients, trusts, and estates with comprehensive wealth management, discretionary portfolio management, and financial planning. The firm employs a primarily long-term investment approach focused on diversified, low-cost mutual funds and ETFs, supplemented by fundamental, technical, and cyclical analysis.

Rebecca Mason is a financial advisor at Happiness in Retirement with five years of industry experience and holds a Series 66 designation. She worked at Goldman Sachs Ayco for six years before joining Del-Sette Capital Management, LLC, where she has been since 2026. Prior to her financial services career, she operated Becky Mason Fitness from 2016 to 2019. Happiness in Retirement serves individuals, high-net-worth clients, trusts, and estates with wealth management, discretionary portfolio management, and financial planning. The firm manages approximately $192.5 million for about 240 clients, focusing on long-term, diversified investment strategies that utilize mutual funds, ETFs, and selective individual equities along with fundamental, technical, and cyclical analysis.

Jeremy Scher is a financial advisor with Happiness in Retirement, holding Series 65 and Series 63 licenses and seven years of industry experience. Prior to joining his current firm, he worked at Del-Sette Capital Management and Goldman Sachs & Co. LLC. Outside of his advisor role, Scher serves as an Emergency Medical Technician and Field Training Officer for a volunteer-led community ambulance nonprofit. Happiness in Retirement serves individuals, high-net-worth clients, trusts, and estates with comprehensive wealth management, discretionary portfolio management, and financial planning. The firm emphasizes a long-term investment approach using diversified, low-cost mutual funds and ETFs, combined with fundamental, technical, and cyclical analysis.

Hermes Del Sette III is a CFP® and holds a Series 66 license with 15 years of industry experience. He has been self-employed since 2012 and concurrently operates Del Sette Capital Management, LLC. In addition to his advisory roles, he works as an insurance agent. Happiness in Retirement is a five-person team serving individuals, high-net-worth clients, trusts, and estates with wealth management, discretionary portfolio management, and financial planning. The firm manages approximately $192.5 million using a long-term investment approach focused on diversified, low-cost mutual funds and ETFs, complemented by fundamental, technical, and cyclical analysis.