Our Members/Owners

Keith E. Condemi

Keith is CEO of Bright Futures Wealth Management, LLC, and assists others with managing financial affairs for their clients. He takes great interest in helping others who understand their clients and place their client’s interest at the forefront of what they do.

“What I like most about Bright Futures Wealth Management is the satisfaction of watching clients and advisors successfully follow a path to their ‘Bright Future’ aided by our collaborative team of dedicated professionals,” Keith says.

Prior to founding BFWM, Keith became an Officer of Supervisory Jurisdiction for a national independent financial services firm, Cetera Advisors. He earned a bachelor’s degree as a finance major in 1992 from Cornell University, which taught him that continued learning is one cornerstone of life. He attained his Chartered Financial Analyst designation in 1998.

When not working, Keith enjoys spending time with his daughter, dad and friends at the family lake house, and attending his daughter’s sports activities. Bicycling and boating are two favorite activities, and he is a foodie who appreciates a fine wine. He was trained as a chef in Switzerland where he studied European foods and wine.  You may never see Keith on the golf course, but you are likely to find him actively enjoying music, festivals, glamping, hiking, skiing, kayaking or even fishing on the many trails and lakes around the Rochester area.  ADV PART 2B

Melissa Mary Florin

Melissa is assistant to Keith E. Condemi, CEO of Bright Futures Wealth Management, LLC. She has been in the financial industry for more than 20 years and holds Series 6 and 63 registrations in New York. As Keith’s assistant, she manages client service and new business.

“What I enjoy most is the humble honor of assisting clients with their financial needs and retirement goals,” Melissa says.

While she began her career in sales, she discovered a greater passion for the importance of administrating to registered reps in keeping with rules and compliance. As a member of the BFWM Chief Operating Officer Committee, she participates in exploring and researching better ways to improve the internal corporate system, as well as benefits for other members/owners.

Outside of the office, Melissa loves the summer and doing outdoor activities, which include going to festivals, concerts, and being on the water. She enjoys cooking, and being with friends and family, especially her five grandchildren. Melissa also likes to volunteer and has done missionary work in Guatemala.

Lourdes DeJesus

Lourdes is administrative professional, a member of BFWM Chief Operating Officer Committee and bookkeeper for Bright Futures Wealth Management, LLC, where she manages the office and specializes in processing new business for advisors. Lourdes also manages the transition of new BFWM members.

“I enjoy assisting advisors and their administrators with new training for account-opening paperwork, technology updates and day-to-day processing efficiencies, in order to give clients a higher level of service,” she says.

Lourdes has an accounting degree from Monroe Community College. She interned at the Office of the Attorney General of the State of New York, reviewing consumer complaints and lease agreements, and assisting the legal team with forensic accounting cases. This experience improved her attention to detail, problem solving and organization skills.

At home, Lourdes is a happily married mother of two. When time permits, her family enjoys traveling and experiencing different cultures from their own Hispanic and Indian backgrounds.

Robert N Richard Jr.

Bob is a co-founder and Investment Advisor Representative of Bright Futures Wealth Management, LLC, and serves as a voting member of the BFWM Investment Policy Committee. He also is founder and CEO of Assabet Financial Group.

A practicing financial advisor since 1994, Bob received the Certified Retirement Plans Specialist (CRPS) designation from the College for Financial Planning in 2000. He is a Registered Principal, OSJ Branch Manager and Investment Advisor Representative with Cetera Advisors LLC. He holds numerous securities registrations and state insurance licenses. Additionally, as an Enrolled Agent, he has earned the privilege of representing taxpayers before the Internal Revenue Service and state tax departments.

“My decades of experience in investment planning and taxation give me unique perspectives that guide clients and advisors to positive outcomes as they navigate life events,” Bob says. “I enjoy helping people achieve their goals and navigating the ever-evolving compliance and regulatory landscape.”

Bob and his wife, Cathy, have two rescue dogs, Sasha and Callie, and enjoy building dog agility equipment and training. Outdoor hobbies include cross-country skiing, back-country hiking and mountain climbing. An admitted audiophile, Bob enjoys live music. He also is a craft beer aficionado and especially enjoys IPAs, Imperials, and Stouts.   ADV PART 2B

Bruce Berman

Bruce is an investment advisor for Bright Futures Wealth Management, LLC, and owner of Lifetime Financial Group, where he leads a highly experienced team of open-minded individuals. To guide clients’ financial planning, he emphasizes a comprehensive process that starts with listening to client’s goals and concerns.

“I enjoy discovering creative financial planning solutions on a timely basis for my clients, who trust me enough to implement them,” Bruce says.

Before starting Lifetime Financial Group in 1997, Bruce was a training manager, advisor, district manager and advisory council member for American Express Financial Advisors, originally called IDS Financial Services. Since 2011, he has been an invitee of Barron’s the Winner’s Circle “Best of the Best” and has been an active board member for Family Promise since 2015. Bruce received a B.A. from the University of Wisconsin at Madison, majoring in history.

When not sharing financial advice, Bruce enjoys paddle sports, collecting wine, listening to jazz, dancing with his wife and spending time with his two adult children. He also enjoys traveling, with favorite destinations including Santa Fe, Northern California and his condo in Madison, Wis. Over the years, Bruce has been a competitive tennis player, disc jockey and canoe instructor.  ADV PART 2B

Jeffrey Smith

Jeff is the chief technology officer for Bright Futures Wealth Management, LLC, and an investment advisor for individual clients, where he loves helping them have a safe passage through retirement. He has been heavily involved in technology integration and information systems for more than 20 years.

“Finding better solutions for our clients and our team members to access information and find insight is very rewarding,” Jeff says.

He began his financial services career in 1993 with an MBA in finance from the University of Connecticut. After graduation, he worked as a consultant with Fortune 500 companies helping them understand operational costs and revenues. That role taught Jeff how to be extremely client-focused, and he uses those same skills with his clients today.

Jeff is an avid public speaker, amateur kite flyer, community volunteer and enjoys spending time with his wife and two daughters. His oldest is finishing her bachelor’s degree at Stanford University, and his youngest is in high school. His family enjoys watching baseball together and the outdoors: hiking, camping, zip lining, etc. He and his oldest daughter have hiked the Salkantay Trail in Peru, finishing at Machu Picchu.  ADV PART 2B

Ron Ifrach

Ron is co-founder and owner of Bright Futures Wealth Management and co-owner of Brightline Financial in Rockville, Md. Running businesses has always been in his blood.  Ron relishes the act of keeping clients happy and a company running like a well-oiled machine are what he enjoys.

“From my education in logistics to my time serving in the Israeli army, my roles have been to organize complex systems,” Ron says. “At Brightline Financial we strive to exceed our client’s expectations and deliver for them a level of service unmatched in our industry.”

With many years in the financial services industry, Ron has learned to rely on business acumen, attention to detail and a laser-like focus on customer service to achieve success. His background includes work experience in real estate, food service, retail and the Israeli army which all relied on managing complex environments to deliver results.

Ron and his wife love the outdoors, where they are often camping and hiking with their two young daughters. They belong to an off-roading club, hopping boulders and climbing mountains in their SUV. Ron also enjoys the ocean and can be found paddleboard surfing in the Mediterranean during the warm summer months. He and his family enjoy exploring many countries and cultures and are fortunate to be able to travel frequently.  ADV PART 2B

Craig LeFeber

Craig is Chief Compliance Officer for Bright Futures Wealth Management, LLC, and has been in the industry for more than 20 years, with experience in banking and insurance channels. He enjoys developing systems to ensure errors do not occur, but no business is perfect, and catching an occasional error provides satisfaction that his work has value.

“Some people might find it boring, but coming up with a system to review client trades for equitable treatment and to verify accurate billing is rewarding,” Craig says.

Craig has been doing supervisory work since 2011, and his experience comes from practice and access to people who have done compliance for years. He constantly reads compliance publications and regularly attends conferences to keep up-to-date in this ever-changing area.

On his own time, coaching tends to supplant compliance, as Craig has coached youth basketball and soccer, and enjoys all sports. He lives in Richmond, Va., with his wife, step-son and two sons. His wife is a physician, which is the focal point of the family’s schedule. Craig volunteers for a not-for-profit that helps her patients. Ideal vacations involve hiking in the mountains, though any vacation with young kids is an adventure.  ADV PART 2B

Collin R. Fingon

Collin is a co-founder and owner of Bright Futures Wealth Management, LLC, and has been in the financial services industry since 2003. As a BFWM advisor, he enjoys helping clients identify and achieve their financial dreams. He helps investors sort through the information, products and advice available, and designs structured products that amplify upside potential while limiting downside risk.

“I specialize in helping my clients navigate the vast financial world and create specialized solutions unique to them,” Collin says.

Collin began his career in the financial services industry after earning an MBA. He continued his education at Boston University, taking courses in certified financial planning. Throughout his career and life, Collin has continued to educate and grow as a person and advisor, to be the best possible version of himself. He also spends a lot of time investing in and improving his home community.

He and his wife, Jackie, have a son, Asa, who was born in 2015. They love to travel and enjoy the wonderful food and beverages the world has to offer. Locally, hobbies include an array of outdoor activities such as running, hiking, biking, skiing, paddleboarding, golfing, playing tennis and pickeball. Living in Vermont, they enjoy all aspects of all four seasons.  ADV PART 2B

Martin E. Paul

Martin is an investment advisor and a co-founder of Bright Futures Wealth Management, LLC. He is also a registered representative at Cetera Advisors, LLC, and has been providing financial services to his clients since 1974. Marty maintains Series 1, Series 63 and Series 65 securities registrations and is securities licensed in 10 states.

He is licensed as an insurance producer and as a Massachusetts real estate broker. He graduated from Boston College with a degree in finance and is vice president of his BC alumni class.

Marty served in the U.S. Army as a Ranger and achieved the rank of captain. He also is a former president of the American Cancer Society, Massachusetts South Shore Unit.  ADV PART 2B

Mark Santelli

Mark is a financial advisor and partner of Bright Futures Wealth Management, LLC. The challenges and range of work that come with running a financial practice, and helping people reach their goals, make his job rewarding.

“Collaboratively working to find financial solutions for our clients’ best interests is awesome, and I thoroughly enjoy going to work every day,” Mark says.

With an educational background in business, management and economics, he boasts more than 25 years of experience in helping people make better financial decisions. Mark has been through many stock market cycles, experienced many different client situations, and has maintained close relationships with his clients throughout.

Outside of work, Mark enjoys celebrating birthdays, holidays and special events with his tight-knit family. And when he’s not hanging out with family, you can expect to find him exploring the Adirondacks through hiking, snowshoeing, kayaking and fishing.  ADV PART 2B