Lumiere Financial

Derek Botwinick is a financial advisor at Lumiere Financial with 23 years of industry experience. He holds a Series 63 designation and has held positions at firms including Purshe Kaplan Sterling Investments and Prudential Financial Planning Services. In addition to his advisory work, he owns DLB Associates, which provides group benefits and Medicare insurance services. Lumiere Financial is a registered investment adviser serving individuals, pension and profit-sharing plan sponsors, charitable organizations, and businesses. The firm manages approximately $59.9 million across 137 client relationships through a seven-advisor team, offering portfolio management, financial planning, and consulting services tailored to clients’ objectives and risk tolerances.

Richard Tolway is a CFP® and Series 65-licensed advisor with Lumiere Financial, where he has worked since 2022. He has three years of industry experience, including prior roles at Sagepoint Financial and EBNY Financial. Outside of his advisory work, he operates a handyman business serving the NYC metro area. Lumiere Financial is a registered investment adviser serving individuals, pension and profit-sharing plan sponsors, charitable organizations, and businesses. The firm manages approximately $59.9 million across 137 client relationships with a seven-advisor team, providing portfolio management, financial planning, and consulting services tailored to clients’ objectives and risk tolerance.

Zachary Brody is a CFP® and ChFC® with 13 years of industry experience. He is currently with Lumiere Financial and has previously worked at firms including Purshe Kaplan Sterling Investments, Ameritas Advisory Services, Northwestern Mutual, Prudential, and MetLife. Outside of advisory work, he is a member of Forbes Councils, a community for entrepreneurs and leaders. Lumiere Financial is a registered investment adviser serving individuals, pension and profit-sharing plan sponsors, charitable organizations, and businesses. The firm manages approximately $59.9 million across 137 client relationships with a seven-advisor team, offering discretionary and non-discretionary portfolio management, financial planning, and consulting services, often utilizing model portfolios and third-party money managers.

Joseph Milici is a financial advisor at Lumiere Financial with 13 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Purshe Kaplan Sterling Investments, Equitable Advisors, LLC, and Axa Advisors, LLC. Outside of his advisory work, Milici consults as a fitness enthusiast and motivator and provides social media marketing consulting. Lumiere Financial is a registered investment adviser serving individuals, pension and profit-sharing plan sponsors, charitable organizations, and businesses. The firm manages approximately $59.9 million across 137 client relationships through a seven-advisor team, offering portfolio management, financial planning, and consulting services that incorporate model portfolios, third-party money managers, and a broad investable universe including derivatives and digital assets.

Tzvetelina Botchoukova is a financial advisor with Lumiere Financial, holding Series 63 and Series 65 licenses and eight years of industry experience. She has worked at firms including Fiduciary Trust International and Athena Capital Advisors. Outside of her advisory role, she is an independent licensed insurance agent and manages residential real estate properties. Lumiere Financial is a registered investment adviser serving individuals, pension and profit-sharing plan sponsors, charitable organizations, and businesses. The firm offers discretionary and non-discretionary portfolio management, financial planning, and consulting services, typically implementing client strategies through model portfolios and third-party money managers while maintaining a broad investable universe and periodic account reviews.