Our Team


Highland NY Insurance Agent, Ralph A. SmithRalph A. Smith, LUTCF

Financial Adviser  Partner

Ralph has been in the Financial Services Field for over 36 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. He is a member and past President of the Highland Rotary Club. Ralph is also an active member of Relay for Life/American Cancer Association. He holds Life, Health, and Property and Casualty insurance licenses and is also a Series 6 and 22 licensed Financial Consultant.


Highland NY Insurance Agent, Lawrence R. RatickLawrence R. Ratick, LUTCF

Financial Adviser  Partner

Larry has been in the Financial Services Field for over 35 years as both a Financial Consultant and a Supervisor. He attended Orange County Community College and SUNY @ Buffalo and earned BA and Masters degrees in Education and is a former teacher. Larry has sat on the board and is past president of the Dutchess County Association of Life Underwriters and has taught classes for the Life Underwriter Training Council. He is also past president and finance/insurance chair and is currently on the board of the Southern Ulster County Chamber of Commerce. He is an active member of the Highland United Soccer Club and manages a Travel Soccer team. He holds Life, Health, and Property and Casualty insurance licenses and is also a Series 6 and 22 licensed Financial Consultant.


Robin Stoutenburg

Customer Service Representative

Robin has worked for us since 2015 and had taken some time off to raise her 3 daughters. She has her MBA and has over 8 years of insurance experience specializing in commercial lines but is always happy to assist any of our clients with their needs.


MoniqueMonique Fantauzzi

Customer Service Representative

Monique comes to us after being a payroll & benefits administrator / human resource assistant. She also has extensive experience in customer service. She is enjoying her career in insurance services and is looking forward to getting her Property and Casualty Insurance license.


JackieJacquelyn Roebuck

Account Executive

Jackie joined our customer service staff early in 2016 and has passed all requirements for and is now a licensed New York State Property and Casualty Insurance Agent. She recently joined our sales staff as an account representative. She has obtained her BS in Psychology from Mt. St. Mary’s College, with honors and has previously had cross trained in customer service for over 10 years.


Michael Esposito

Account Executive

Michael is a licensed Property and Casualty as well as Life Insurance broker. Micheal comes to us from a major insurance company and he specializes in Business Insurance as well as continuing to help his clients find the appropriate coverage for their personal belongings. He lives in Highland with his wife and 2 beautiful young children.


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