Financial Decisions, LLC

Kimberly Ruscigno is a Series 65-credentialed financial advisor with eight years of industry experience. She has been with Financial Decisions, LLC since 2018 and previously worked at Financial Decisions from 2015 to 2018. Financial Decisions, LLC provides discretionary and non-discretionary investment advisory services along with financial planning and consulting to individuals, high-net-worth clients, retirement plans, corporations, business entities, and charitable organizations. The firm emphasizes documented client objectives and ongoing portfolio management, operating across five offices with a small team managing approximately $321 million in assets.

Kenneth Gutwillig is a financial advisor at Financial Decisions, LLC with 23 years of industry experience. He holds a Series 63 designation and has worked at Financial Decisions since 2016, with prior roles at Penn Mutual Life Insurance Company and Hornor Townsend & Kent. He is also involved in insurance sales and services, including life, accident, health, disability, and long-term care insurance. Financial Decisions serves individual and high-net-worth clients, retirement plans, corporations, and charitable organizations by providing portfolio management, financial planning, and consulting. The firm employs a diversified investment approach with a mix of bonds, equities, independent managers, and variable annuity management, operating from multiple offices despite a small advisory team.

Amy Sun is a financial advisor at Financial Decisions, LLC in New York, NY, holding a Series 65 designation with three years of industry experience. Her prior work includes roles at PARS International Corp. and Bergen Sun Consulting Inc. Financial Decisions serves individual and high-net-worth clients, as well as retirement plans, corporations, and charitable organizations, providing portfolio management, financial planning, and advice on variable annuities and private investment funds. The firm’s investment approach involves asset allocation based on client objectives, employing a mix of bonds, equities, and independent managers, and operates multiple offices with a combination of services not commonly emphasized by peers.

Florence Dupont is a CFP® credentialed financial advisor at Financial Decisions, LLC with 30 years of industry experience. She previously worked at Hornor, Townsend & Kent, Inc. and has held a long-term affiliation with Penn Mutual. Outside of her advisory role, Dupont serves as an officer for two charitable foundations, the New Dawn Foundation and the Mentoring Tree Foundation. Financial Decisions, LLC serves individual and high-net-worth clients, retirement plans, corporations, and charitable organizations, offering portfolio management, financial planning, and investment advice. The firm employs a diversified investment approach with both discretionary and non-discretionary services, building portfolios from various asset classes including municipals, equities, and independent managers.

Krystina Brown is a CFP® professional with six years of experience at Financial Decisions, LLC, where she has worked since 2012. She is based in Fair Lawn, NJ, and is part of a four-advisor team. Financial Decisions, LLC offers discretionary and non-discretionary investment advisory services and financial planning to individuals, high-net-worth clients, retirement plans, corporations, business entities, and charitable organizations. The firm employs a multi-office structure with a small advisor team and manages approximately $321 million in assets, providing ongoing portfolio management and the use of various investment vehicles including mutual funds, ETFs, individual equities, and private investment funds.