Our Team

Ralph A. SmithRalph 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.


Lawrence R. RatickLawrence 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.


Jenilyn MillerJenilyn Miller

CSR, Property and Casualty Agent

Jenilyn came to us when she decided that, after being able to stay home and focus on her family for years, it was time to begin a new chapter of her life. She is a mother of three, including her oldest son who is now a Navy Sailor.  With her younger children now becoming more independent, she decided it was time for her to begin focusing on kickstarting her career. Jenilyn is an Army veteran who began her path in insurance & financial services with a large firm back in 2009. She has become a big part of our Accent family and has the ambition to grow within our firm. She has reactivated her Property & Casualty Insurance license and plans on doing the same for her Life & Health license in the near future. 


Vanessa PortasVanessa Portas

CSR, Notary Public

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 outstanding customer service as well as getting her Notary Public License. She can speak and understand Spanish as well. She enjoys being able to help others and building a lasting relationship with us and our clients. 



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