Our Team

Ralph A. Smith, LUTCF, LUTCF

Financial Consultant, Partner

Ralph has been in the Financial Services Field for over 40 years as both a Financial Consultant and a supervisor. He attended Dutchess Community College and Monmouth College with a major in business administration and management. Ralph has sat on the board of the Dutchess County Association of Life Underwriters as well as the Vestry of his church. Ralph is active in our community as a member and past President of the Highland Rotary Club, is a past member of Relay for Life American Cancer Association and is currently helping with the Highland Youth Recreation League. He holds Life, Health, and Property and Casualty insurance licenses and is also a Series 6 and 22 licensed Financial Consultant.


Lawrence R. Ratick, LUTCF

Financial Consultant, Partner

Larry has been in the Financial Services Field for over 40 years as both a Financial Consultant and a Supervisor. He attended Orange County Community College and SUNY @ Buffalo and earned BA and master’s degrees in education. He is a former teacher and has taught classes for the Life Underwriter Training Council. Larry has sat on the board and is past president of the Dutchess County Association of Life Underwriters and is the past president and finance/insurance chair of the Southern Ulster County Chamber of Commerce. His community involvement includes managing a travel team for the Highland United Soccer Club in the past and is now helping with the Highland Music Boosters Association. He holds Life, Health, and Property and Casualty insurance licenses and is also a Series 6 and 22 licensed Financial Consultant.


Michael Esposito

Account Executive

Michael came to us after helping local businesses and individuals for more than 15 years. His focus has always been on service and his clients’ needs.

Michael graduated from Marist College with a BA Degree in Communication. He cultivates relationships in the community through various business associations and non-for profits. Currently, he is an Executive Board Member & membership chair, New Paltz Chamber of Commerce, HYPE Committee member, co-chair of the Taste of New Paltz, President of Toastmasters, Events Chair for Gardener Association of Business, Commissioner of The Hudson Valley Basketball Association and serves as an Executive Board Member for his non-for-profit Forgotten Children of Haiti.

He currently holds a Property and Casualty Insurance license and recently received The Business Insurance Advantage Agent of the Year Award from the SAN Group, which is given to the top Insurance Agent in the region for excellence in Revenue Earned, Marketing and Customer Satisfaction.


Monique Fantauzzi

Office Manager, Customer Service Representative

Monique came to us after being a payroll & benefits administrator / human resource assistant for a major corporation. She graduated FIT with an Associates degree in marketing and a BA degree in design. She also has extensive experience in customer service and enjoys her career in insurance using her experience to help our clients manage their accounts. She also is a volunteer at the Walden Humane Society.


Vanessa Portas

Customer Service Representative

Vanessa came to us after working for over 15 years in the medical field as a CNA, doctor’s assistant and in customer service. She has been invaluable in our office using her background to help our clients with problem solving and customer service. She can speak and understand Spanish as well. She enjoys being able to help others and building a lasting relationship with our clients.


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