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Contact: (518) 229-4105
Rajan has been a financial advisor for 21 years. He holds Series 7 and 66 with LPL Financial, as well as life, accident, and health licenses. His areas of specialization include retirement, tax, estate, investment, and distribution planning. He holds a B.S. from SUNY Plattsburgh (’97) and has completed the Certified Financial Planner™ curriculum at the College of St. Rose. He has worked with several not-for-profit organizations in designing endowment plans.
J. Scott Winchek
Vice President / Managing Partner
Contact: (315) 529-7694
Scott has 19 years of experience as a financial advisor. He holds Series 7, 6 and 63 with LPL Financial, as well as life, accident, health and annuity insurance licenses. He holds a B.S. from SUNY Oswego, and a M.S. from the College of St. Rose. His areas of specialization include group planning, employer-sponsored plans, higher education and healthcare, investment management and income planning. With his previous firm, he managed over $72 million in client assets. He is a trustee for two nonprofit organizations.
Jason Bays, CFP®
Contact: (607) 316-2985
Jason has been a financial advisor for 13 years, and holds Series 6, 7, 65 and 63 Licenses. He also maintains his life, accident, and health licenses. He serves small business owners, healthcare workers, socially responsible investors, as well as the higher education markets. He holds a B.S. from Roberts Wesleyan College (’07) and is a CFP® (Certified Financial Planner).
- Professional Conduct and Regulation (Ethics)
- General Principles of Financial Planning
- Education Planning
- Risk Management & Insurance Planning
- Investment Planning
- Tax Planning
- Retirement Savings & Income Planning
- Estate Planning
Contact: (518) 744-9602
Steven has been a financial advisor for 12 years, and holds Series 7 and 66 with LPL Financial, as well as life, accident, health and annuity insurance licenses. His areas of specialization include the coordination of group or company retirement plans and health and insurance benefits with clients’ overall financial situation. He holds a B.S. from St. Lawrence University (’07). As a senior advisor at Goldman Sachs’ Ayco division, Steve was one of a team of 25 advisors that managed over $300 million in client assets.
Wealth Planning Assistant
Carmen graduated from Western New England University with a bachelors in Law and Society with a minor is Psychology. Prior to starting his career, Carmen has had experience in operations and account management in the back office at Purshe Kaplan Sterling. He holds series 7 and series 66 with LPL Financial. Carmen works with Rajan Kumar.
Dave has several years’ experience in client-support services for the financial advisory team, currently with LPL, and previously with VALIC. In addition, he has decades of experience in the administration and management of healthcare facilities throughout New York State. He currently provides a wide range of support services to the 435 Financial advisory team, and is instrumental in ensuring the delivery of superior service to clients. Dave holds a Master’s of Public Administration from the State University of New York at Brockport.
Mary has over 30 years of experience in the banking and insurance industries. With her extensive background in management and administration, as well as in software development and utilization, she brings rigorous quantitative skills and organizational capabilities to support 435 Financial. She holds a B.S. in mathematics from University at Albany and an M.S. in computer science from Union College.