Meet your team of advisors who can help you cover money need-to-knows—and make sure you have fun along the way.

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Joe Bianchi

jbianchi@theestablishmentnys.com
585.399.8346

my story

Once I left the automotive industry and started in the financial services business 13 years ago, I knew I wanted to stay. Helping people create a financial roadmap to plan for the future and watching them get a sense of security in knowing they are going to be all right is a great reward. It’s very important for me to make a difference in someone’s life – even someone I don’t know.

When I’m not dispelling many of the financial misconceptions people have, I enjoy golfing, vacationing with my wife, and playing with my dogs. I was born in Illion, NY and raised for most on my life in Greece, NY. I love the relatively short commutes wherever traveling in Rochester, where people enjoy a lower cost of living over other major cities.

You should know

I’ve been married 13 years. My wife is a Speech Language Pathologist and I’m very proud of the work she does and the difference she makes.

fun facts

Hidden talent

I can juggle

Happy hour order

Wine

Dream destination

Italy

When I was 10, I wanted to a

A professional athlete

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Daniel Biviano

dbiviano@financialguide.com
585.750.5661

my story

My original goal was to become a pediatrician because I wanted to help children and families. Though I didn’t end up pursuing medicine, everything I have done in my professional life has been a form of problem solving. After working in food service consulting and distribution, I found myself on the client side of financial planning. Having enjoyed that encounter, I was turned on to moving to the other side as a method to help families and businesses in a different way.

What I do goes far beyond investing and Insurance work. It’s looking at the whole picture and filling in all the gaps in-between that makes the real difference. It’s great being part of the “ah-ha moment” when someone really sees the solution that I am able to provide. Knowing that they have a better understanding of their situation and their options and that their minds are set at ease is very gratifying.

During my off hours, I love spending time with my family, cooking, playing music, tennis, and golf. This is where I find the work-life balance that helps me be my best.

You should know

Been in financial planning for seven years. I live in Victor where my wife and I grew up. Have spent time as a professional musician. Spent the last five years volunteering with at-risk youth in Rochester.

fun facts

Hidden talent

Can play any kind of stringed instrument, bass and piano

Favorite book

The Alchemist by Paulo Coelho

Favorite restaurant

Bafeto Uno in Rome, Italy

Bucket list destination

Maui

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Sarah Blankenship

sblankenship@TheEstablishmentNYS.com
716.417.1668

my story

The way I live my life—never wanting to miss out on anything—feeds right into the way I help people learn about finances. Peace of mind should come first, so when it comes to helping people learn about the financial world, I sweat the details.

You never know what's going to give you the wake up call that you're an adult and need to get smart about money (for me, it was buying a toaster for the first time!), so I'm ready to educate people, no matter where they are in the process.

Like lots of people my age, I’m pretty busy outside of work—from holding a Tae Kwon Do black belt to holding office as president of the Western New York Charter Chapter of the American Business Women’s Association—so I get that it can be hard to make the time to talk about money. But I think once millennials start learning more, they’ll see it’s well worth it.

You should know

Chef and entertainer at heart. North Buffalo runner. Believer in living for today and planning for tomorrow.

fun facts

Favorite wine

Mark West Pinot Noir

On the bucket list

Hit every island in the Beach Boys’ “Kokomo”

Morning must-have

Lots (and lots) of coffee

Favorite restaurant

Woo Chon Korea House in Williamsville

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Sarah Blankenship

Wine and Investing 101 (in-person)

WEDNESDAY / AUG 12

@ The Establishment Buffalo | Buffalo, NY | 6:00PM - 7:30PM

Sarah
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Sarah Blankenship

Females and Finance

WEDNESDAY / AUG 26

@ The Establishment Buffalo | Buffalo, NY | 6:00PM - 7:00PM

Sarah
BOOK CLASS
Sarah Blankenship

Couples and Money

THURSDAY / SEP 24

Online Class | 1:00PM - 2:00PM

Sarah
BOOK CLASS
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Austin Blujus

ablujus@TheEstablishmentNYS.com
716.276.1160

my story

It all started when I was an intern with MassMutual New York State during my junior and senior years studying pre-law at UB. I decided to make the leap to become a financial advisor, ditched the law school applications, and the rest is history.

One of the best parts of my gig? Helping people everyday at all different stages of their life gain control, set goals, and make plans to better their personal and financial futures. It's never too early, or for that matter too late to start... Your future self will thank you!

I grew up in Amherst with a big (crazy) family, but we're as close as they come. If I'm not following my brother's hockey career, my sister's college softball team, or hanging out with the rest of my family, you can be sure to find me out and about enjoying everything Buffalo has to offer!

I currently call North Buffalo home with my wife Jacqueline, but have lived in just about every great neighborhood in the city!

You should know

Sports analysts in another life... Still waiting for ESPN's phone call. All things hockey junkie. Chipotle addict. Movie and binge television watching enthusiast.

fun facts

Favorite beer

Blue Light

In my desk drawer

My pen collection

Hidden talent

Unparalleled car singer

Favorite musician

Kenny Chesney

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Marlene Dattilo, CFP, CLTC, CFBS

mdattilo@TheEstablishmentNYS.com
585.485.0194

my story

Financial services offered me a paying job right out of college and a way to learn about money. I thought it might be a handy topic for adulthood. Thirty years later, this is the only work I know how to do.

But this is much more than a job to me. Building relationships and making new friends are the most rewarding aspects of being in this career. It does get personal. Often, when working through a financial crisis with a client, I tend to feel their pain. But the successes are great, too. Building a firm that will live long after I’ve retired (hopefully to Aruba) inspires me.

Outside of work, if I’m not enjoying an outdoor music concert, I’m content just hanging out at home.

You should know

I am fiercely dependable and loyal. Wanted to be a nurse when I was ten. Was very shy when I graduated college. Mary Cariola Children’s Center is a cause I care about.

fun facts

Would love to travel to

Aruba

Drink of choice

Bourbon old fashioned

Guilty pleasure

A good Netflix binge

Hidden talent

I am a planner

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Tim Downing

tdowning@theestablishmentnys.com
716.276.1172

my story

Inspired by the Steve Jobs Stanford commencement speech where he told the graduates to leave their “dent” in the universe, I wanted to work in a career that was impactful. Working as a financial advisor, I create strategies for people to help them achieve their financial goals. This has given me a great sense of purpose for almost a decade.

Unfortunately, people generally misunderstand the work we do as financial advisors. Our business addresses the financial needs of individuals whether they live a long time, die prematurely, or become disabled. Most of the time, I help my clients come up with solutions that fit their situation during uncertain times. Luckily, my work at The Establishment clarifies our purpose.

In my free time, I am active in my church and I love traveling. Whether it’s a weekend road trip or a trip overseas, it’s nice to know there is a world beyond my four walls!

You should know

Born and raised in Amherst, NY. A diehard hard Bills and Sabres fan. Can do 100 pushups. Gives annually to Catholic Charities.

fun facts

Drink of choice

Starbucks cold brew

Dream job

Pilot

Can't live without

Reese's Peanut Butter Cup

Wish I knew more about

The universe

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Tim Downing

Couples and Money

THURSDAY / AUG 20

Online Class | 1:00PM - 2:00PM

Tim
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Tim Downing

A Guide to Retirement Planning

TUESDAY / SEP 15

Online Class | 2:00PM - 3:00PM

Tim
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Tim Downing

Understanding Craft Beer and Financial Plans

THURSDAY / SEP 17

@ The Establishment Buffalo | Buffalo, NY | 6:00PM - 7:30PM

Tim
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Noah Fehrenbach

nfehrenbach@TheEstablishmentNYS.com
585.451.5823

my story

My mission is to collaborate with and serve people in pursuit of the freedom we all yearn for. Several personal experiences led me here; the most influential was the untimely death of my older brother. Since starting this career, relationships have proven more rewarding and life-changing than I imagined.

I’ve gained profound perspective from helping a client plan for a year so she could fulfill her dream of traveling the country, then seeing her extend that dream into a lifestyle. Seeing a client freed to focus solely on his health and recovery from cancer, while knowing that his wife was going to be okay financially.

In an earlier career, I was in special education; we’ve stayed connected through the Special Olympics. I’m a board member, and we focus family time and resources with the Polar Plunge—our four kids and I fundraise for this great cause.

Growing up in Rushville, NY (a small farm town south of Rochester), I learned the value of hard work early—I’d leave high school mid-day to feed, bed and milk cows.

You should know

Today, we live near Canandaigua Lake; it’s essential for us to be near water and great hiking trails. We’re even planning our next move, a little deeper into the woods. We’re excited to expand our space and give our retriever/husky mix, Kevin, more animals to play with.

fun facts

Can’t live without

SPOTIFY

Favorite books

The Go-Giver, The Alchemist and The Daily Stoic

Guilty pleasure

Wings – lots and lots of wings

Drink of choice

Bourbon, neat

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Noah Fehrenbach

Creating a Budget

TUESDAY / AUG 18

Online Class | 1:00PM - 2:00PM

Noah
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Noah Fehrenbach

Creating a Budget

TUESDAY / SEP 22

Online Class | 2:00PM - 3:00PM

Noah
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Jim Ferrari

jferrari@TheEstablishmentNYS.com
585.399.8311

my story

Everything I do is for my family. So after 24 years in the restaurant and foodservice industry, I went into financial services because it offered flexibility for family and the freedom to build my own business. The field is so rich, it can be a challenge staying focused on just one thing at a time.

Over a decade later, I still enjoy seeing my clients and team reach and exceed their goals. I feel rewarded knowing I was there to coach them along their way to success.

Outside of work, I love to cook and build/fix things. Remodeling and fine woodworking is another passion of mine, which I did professionally. I can build custom doors and moldings in my own shop. Beyond that, I like spending time with my family and attending my kids’ sporting events.

Originally from Walworth, I live in the Rochester area simply because everything is 20 minutes away and my family is here.

You should know

Past president for the National Center for Missing & Exploited Children. Been on the board for six years.

fun facts

Song that never gets old

“You’ve Got a Friend” by James Taylor

Favorite restaurant

McCann’s Local Meats

Drink of choice

Amber lager, nothing too hoppy

Wish I knew more about:

As a father of two... the teenage mind

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Jim Ferrari

Wine and Investing 101 (in-person)

TUESDAY / AUG 25

@ Metro Cowork | Rochester, NY | 6:00PM - 7:30PM

Jim
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Jim Ferrari

Personal Finance Fundamentals

THURSDAY / AUG 27

@ The Hideaway | Rochester, NY | 6:00PM - 7:00PM

Jim
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Julie Haers

jhaers@TheEstablishmentNYS.com
585.703.0245

my story

In 2014, my lifelong friend challenged me to stop playing it safe; she urged me to pursue my dream of owning my own business and truly helping individuals and business owners through life’s many twists and turns. On a leap of faith and with tremendous determination to make a difference in the lives of others, I started this journey in financial services. I’ve never looked back.

A lot of people think that financial professionals are motivated by money – most of us truly love helping others succeed. I am passionate about helping people solve their financial issues. For example, it gave me tremendous joy when I was able to help a client avoid foreclosure on her home.

I am especially passionate about helping women with their money questions and concerns; I founded a Rochester–based group called EVOLVE. We offer fun, quarterly educational workshops and events.

I was born and raised in Rochester, and I love living in the nearby town of Perinton, NY, where I spend time with family; we frequently work out together and are big travelers, exploring the US and the Caribbean.

You should know

Coffee is my go-to beverage; caffeine and I are old friends. If I weren’t a financial professional, I’d be a motivational speaker and trainer. I recommend that everyone read Gabrielle Bernstein’s “The Universe Has Your Back.” It really resonates with my philosophy.

fun facts

Song that never gets old

“Every Day I’m Hustlin’”

Guilty pleasure

Chocolate

Bucket list destination

Fiji

Wish I knew

How to speak Italian

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Julie Haers

Females and Finance

WEDNESDAY / SEP 16

Online Class | 1:00PM - 2:00PM

Julie
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Phil Held, LACP

pheld@theestablishmentnys.com
716.843.3181

my story

After working in the nonprofit field, I fell in love with the idea of running my own business and helping others. Thirteen years ago, I was lucky enough to find the opportunity to work in financial services. My work is all about helping people plan for uncertain times so that they can not only reach all of their financial goals, but protect their families.

My family life was spent growing up in Hamburg, surrounded by friends I’ve known since playing Little League baseball, spending days at the beach, and passing nights playing our favorite Pearl Jam songs. It was a great place to make years full of memorable moments, ones I still carry with me every day.

Now, I have a family of my own. Settled in Clarence, we all like to get out and be a part of things, together. Whether out to a local concert, community event or farmers’ market, it’s great to make new memories with my wife and kids, all while feeling the same connectiveness that makes Western New York such a special place.

You should know

Problematic Sabres fan, and discriminating chicken wing connoisseur. I’m a board member of Amherst High School Academies and Board Member/President of National Association of Insurance and Financial Advisors - New York State.

fun facts

Dream job

NHL player

Drink of choice

Spot Coffee

Can't live without

Pearl Jam

Favorite book

Unbreakable by Thom Shea

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Phil Held, LACP

Crafting Financial Plans

WEDNESDAY / AUG 26

Online Class | 2:00PM - 3:00PM

Phil
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Phil Held, LACP

Investing 101

TUESDAY / SEP 29

Online Class | 2:00PM - 3:00PM

Phil
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Jillian Jones, MBA, CDFA®

jjones@TheEstablishmentNYS.com
716.397.8932

my story

I grew up wanting to be an attorney and a psychologist—and ended up perfectly in-between. Most people worry about their finances to some degree. And when those worries become a burden, or preferably before, I’m here to help. Nothing eliminates anxieties like learning to overcome your greatest challenges and plan for your dreams.

Everyone needs something different. Even two people who may seem similar will probably have very different financial goals and challenges. The plans I create for them need to be just as individualized. It’s like taking thousands of puzzle pieces, some that I can only find by really getting to know someone, and fitting them all together into a beautiful picture. Financial planning is actually very creative. There are so many ways to get to a solution.

I love seeing the transformation that takes place in the people I work with. From anxious to composed. From unsure of the future to confident in their ability to handle their finances. I’m also passionate about supporting animal welfare and empowering women.

You should know

Born and raised in Olean, NY. Was a really good soccer player, sprinter and high jumper back in the day. I like public speaking.

fun facts

Can’t live without

Books

Drink of choice

Diet Mountain Dew

Guily pleasure

Candy

Dream job

I already have it

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Jillian Jones, MBA, CDFA®

Wine and Investing 101

THURSDAY / AUG 20

Online Class | 6:00PM - 7:15PM

Jillian
BOOK CLASS
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Ryan McNulty, MBA

rmcnulty@TheEstablishmentNYS.com
716-817-6659

my story

I got into the financial services industry simply because I was interested and curious to see how it all worked. I've come to find out there is a huge financial knowledge gap for all generations. I see myself as an intermediary between people and the finance world.

I didn't start out in the financial planning field. My undergraduate degree is in hospitality. Right after undergrad, I moved to Aspen, Colorado. For a year I spent my days working and skiing. I returned to good ol' Buffalo to get my MBA.

Buffalo is amazing because of the culture. When I am out of town and meet someone who is also from my home town the connection is instant. The sense of community is what I appreciate most about this city. We're all on the same team.

 

You should know

Lover of golf and all things sports. IPA enthusiast. Set out to treat everyone with respect, courtesy and empathy.

fun facts

Favorite Show

The Office

Bucket List Item

Road trip throughout entire US

Best Book

Nudge

Travel Destination of Choice

Anywhere with a nice golf course

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Ryan McNulty, MBA

Buying Your First Home

THURSDAY / AUG 27

Online Class | 2:00PM - 3:00PM

Ryan
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Ryan McNulty, MBA

Buying Your First Home

WEDNESDAY / SEP 9

Online Class | 6:00PM - 7:00PM

Ryan
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Eric Palumbo

epalumbo@TheEstablishmentNYS.com
585.399.8365

my story

Failing to plan is planning to fail. That’s my mantra. I saw the effects bad planning can have on people and that is what led me to a career as a financial professional about 10 years ago.

Unlike most of the educators at The Establishment, I am based out of Rochester, New York and I am stoked to help take this program “on the road” to educate individuals here in our community.

What do I love most about my job? Getting to build relationship with all sorts of people from different walks of life and helping them get a handle on their financial future.

I am proud to call Rochester home where I live with my wife Jen and our daughter, Francesca.

You should know

Adventure seeker and self-proclaimed bourbon snob. Find me in summer enjoying some down time in the beautiful Finger Lakes.

fun facts

Super power of choice

Flying

Would like to learn more about

Being "handy"

Binge worthy

Chester Cab deep dish pizza

Would order this at the bar

Bourbon

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Ray Pavicich, CLU, CFP

rpavicich@TheEstablishmentNYS.com
716.276.1174

my story

Sure, I'm a financial advisor in my day-to-day life. But I'm also a Russian literature fiend, travel junkie, and unintentional beer snob when I'm outside the office. There's always more to learn, and I think working to be successful while still staying true to myself and my interests is something I share with other millennials out there.

There are strategies out there that work for everyone—and by acquainting yourself with all the information and resources available out there, you can figure out the right tools for your particular situation, financial or otherwise.

Even though I've been all over the world (and even lived abroad), I'm thrilled to call Western New York home—especially West Seneca, where I live with my wife Gina and our sons, Ray and Frankie.

You should know

‘90s hip hop aficionado. Accomplished artist and poet in my spare time. Committed to anticipating what can go wrong so I can take advantage of what can go right.

fun facts

Guilty pleasure

BBQ chicken wings

Hidden talent

Sick culinary instincts

Favorite international city

Budapest or Moscow

Humblebrag

Fulbright Scholar

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Ray Pavicich, CLU, CFP

Making Sense of Student Loans

TUESDAY / AUG 25

Online Class | 1:00PM - 2:00PM

Ray
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Ray Pavicich, CLU, CFP

Wine and Investing 201

WEDNESDAY / SEP 23

@ The Establishment Buffalo | Buffalo, NY | 6:00PM - 7:30PM

Ray
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Ray Pavicich, CLU, CFP

The Risks and Rewards of Earning More

THURSDAY / SEP 24

Online Class | 1:00PM - 2:00PM

Ray
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Derek Szczupakowski

dszczupakowski@TheEstablishmentNYS.com
716.817.6667

my story

My life in Buffalo started with a Finance concentration within the bachelors of Business Management program at UB. I was hired during my senior year of college, and I've found my home here at MassMutual New York State. I loved the city so much I never left.

It’s hard to consider your financial future now when you think time is on your side. But, there is no better time than now to get serious about your money. The most rewarding part of my job is knowing that the work that I do makes a dramatic impact on the lives of others.

This career keeps me busy; no two days are ever alike. In my free time I am actively involved with the Alzheimer’s Association here in Buffalo. I am an avid golfer, bowler, and Bills fan. In Western New York those are all seasonal things, so it tends to keep me busy all year round!

I am happy to call Williamsville home with my wife Jackie and our son, Jude who we recently welcomed into the world. Seeing the resurgence in the city, and the pride of my fellow Buffalonians has been an amazing experience. Buffalo is everything I could want from a city and more!

You should know

Find me relaxing after a round of golf with a Vodka Gimlet. Committed to helping people plan for the future they want.

fun facts

Song that never gets old:

In My Life by The Beatles

Can't live without:

My wife and kids

Most used emoji:

:)

Favorite book:

The Stand by Stephen King

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Derek Szczupakowski

Personal Finance Fundamentals

WEDNESDAY / AUG 12

Online Class | 2:00PM - 3:00PM

Derek
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Derek Szczupakowski

Parents and Money

WEDNESDAY / SEP 30

Online Class | 1:00PM - 2:00PM

Derek
BOOK CLASS
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