Our Members/Owners

Keith E. Condemi, CFA, OSJ Branch Manager graduated from Cornell University with a Major in finance. He continued his education attaining the Charter Financial Analyst designation in 1997. He founded his independent client solutions practice in 1999 and utilized his knowledge to help others attain their independence so they too could provide knowledge to their clients. He is registered in over 40 states and shares management and administrative responsibility for over $500,000,000 in assets.

Keith began his career in 1992 at a major financial institution.  He transitioned to a small independent broker dealer where he set about solving the needs of individuals and executives. While with this broker dealer Keith was trained by the Frank Russell Investment Management Company in asset allocation and mean optimization mathematics. The tenants of this training was Modern Portfolio Theory which won a Nobel Prize for Harry Markowitz and William Sharpe.

Today Keith uses his knowledge: to assist others in managing the financial affairs for their clients. He is a founder of Bright Futures Wealth Management LLC. Keith continues to take great interest in helping others who understand their clients and place that interest at the forefront of what they do. Keith believes that working in a collaborative management and administrative capacity together with the team at Bright Futures can assist each professional in initiatives that will help them prosper and succeed alongside their clients.

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Melissa Mary Florin, COO has been in the financial industry for 20+ years.  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.  Melissa works directly with Keith E. Condemi, CEO, managing client service along with new business.  As a member of the COO (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.


Bright Futures Wealth Management has provided Melissa with the humble honor of assisting clients with their financial needs and retirement goals.


Lourdes DeJesus is a member an Administrative Assistant of Bright Futures Wealth              Management .  She manages the office administration and specializes in processing new business for our advisors. Lourdes also manages the transition of our new members.  



Robert N. Richard, Jr., EA, CRPS has been a practicing independent financial advisor since 1994. Robert is the founder and CEO of Assabet Financial Group and also a founder and Investment Advisor Representative of Bright Futures Wealth Management, LLC. He serves as a voting member of the BFWM Investment Policy Committee.

Robert 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 securities registrations 4, 7, 24, 51, 53, 63, and 65 as well as numerous state insurance licenses. Additionally, as an Enrolled Agent, he has earned the privilege of representing taxpayers before the Internal Revenue Service by passing a rigorous exam and review process.

His financial services practice emphasizes a conservative investment management approach with an emphasis on asset allocation, Modern Portfolio Theory, and tax efficiency. Bob utilizes his 23 years of experience and unique skill set to guide investment professionals and clients to consistently achieve their goals.

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Bruce Berman helped create BFWM so that it could be free to explore and offer a wide range of financial solutions to advisors and clients. He leads with high expectations and a vibrant spirit of collaboration. His out of the box thinking inspires and encourages our team to meet new challenges head on.

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Jeff Smith, MBA, ChFC®, CLU®, CASL® Investment Advisor Representative, is a co-owner of Brightline Financial in Rockville, MD and an equity partner in Bright Futures Wealth Management – A Registered Investment Advisor, in Rochester, NY.  Jeff loves helping provide his clients a safe passage through retirement and helping make happy and successful retirees. He knows how to listen and more importantly, he knows how to communicate. Jeff provides tremendous focus and ongoing support to its clients resulting in a small, very satisfied client base.

Before starting Brightline Financial with his business partner Ron Ifrach, Jeff was a financial adviser with MetLife Resources.  Prior to entering the financial services industry in 2003, Jeff was Group Vice President with Manugistics (Since acquired by JDA Solutions), a supply chain software company. He was responsible for running the global chemical and energy industry segments. He has also worked for Accenture (ACN) in their supply chain strategy practice and left them as a senior manager.

Jeff received his M.B.A. (finance concentration) from the University of Connecticut in 1993 and his B.A. from The George Washington University in 1989. He is an avid public speaker, amateur kite flyer, and enjoys spending time with his wife and two children. Jeff is also a very active volunteer – typically over 250 hours/year; he believes that we all have a responsibility to giving back to our community.


Ron Ifrach, CLTC® Investment Advisor Representative, is the co-owner of Brightline Financial in Rockville, MD and an equity partner in Bright Futures Wealth Management – A Registered Investment Advisor, in Rochester, NY. Ron has been dedicated to the financial services industry for over 10 years. He truly enjoys working with every one of our clients and ensures we deliver the highest level of service.

Prior to his work in the financial services industry, Ron was a licensed real-estate agent where he learned the importance of listening and meeting the expectations of clients.

Early in Ron's career he served in the Israeli army focused on operational logistics.Ron has an associate's degree from Ort Collage Haifa, Israel.

Ron is married with one child and also the proud parent of an active Bichon Frise (Bentsi). He enjoys playing soccer,  and is an avid supporter of Maccabi Haifa.


Craig LeFeber, CCO : Craig has been in the industry for 20+ years, including experiences in the banking and insurance channels. He is CCO as well as a member of both the Chief Operating Officer and Investment Policy Committees for BFWM. He has also been an industry arbitrator for FINRA. Like all members, Craig also advises clients.  He has enjoyed contributing to the growth of BFWM.

Craig lives in Richmond, Virginia with his wife, step-son and two sons.  He enjoys coaching basketball outside of BFWM.

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MBA: Collin Fingon has been involved in the financial services industry since 2003. Integrity is a core belief and he only works with clients and advisors who share the same philosophy while exploring their values and goals. Collins is BFWM's head of marketing, helping keep the BFWM team members ahead of the technology curve.

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Martin E Paul is an Investment Advisor Representative and a founding member 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. Marty is a former President of the American Cancer Society, Massachusetts South Shore Unit.

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