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Richard E.Stram, CFP®
Registered Principal, Securities America Inc.
rick@marinostram.com
Rick graduated from the Universityof Vermontin May of 1987 with a Bachelor of Arts in Economics and Political Science. He began his financial planning career in 1987 with American Express Financial Advisors, where he attained the position of Senior Financial Advisor. After ten years with American Express, he became an independent financial advisor when he and Paul Marino partnered in October of 1997.
Rick served as a board member of the Boston Chapter of the Financial Planning Association. In the past, he has appeared locally on the WBZ TV Channel 4 Midday and 6 p.m.news programs. He was a guest of David Brudnoy on WBZ AM 1030, and hosted a radio show on AM 590 sponsored by American Express Financial Advisors. He has conducted numerous financial education classes on topics including retirement planning, college funding, long term care, and estate planning.
Rick is a CERTIFIEDFINANCIAL PLANNERTM Practitioner, and holds the following licenses: Series 7 (FINRA General Securities Representative), Series 63 (NASAA Uniform Securities Agent State Law Examination), Series 65 (NASAA Uniform Investment Advisor Law Examination), Series 24 (FINRA General Securities Principal), and the Massachusetts Individual Insurance Producer’s license.
Paul M. Marino, CFP®
CERTIFIEDFINANCIALPLANNERTMPractitioner
paul@marinostram.com
Paul earned a Bachelor of Science degree in Finance from BentleyCollegein 1988. Prior to graduating, he began his career in financial services with Drexel Burnham Lambert in 1987, where he passed the Series 7 (FINRA General Securities Representative Exam), Series 63 (NASAA Uniform Securities Agent State Law Exam), and Insurance Agent’s Examination. He also holds the Massachusetts Individual Insurance Producer’s license. In 1989, he joined American Express Financial Advisors and earned recognition as a Senior Financial Advisor. In 1997, he became an independent financial advisor and partnered with Rick Stram.
Paul is a CERTIFIEDFINANCIAL PLANNERTM Practitioner as accredited by the Certified Financial Planner Board of Standards, Inc. He is also a member of the Financial Planning Association.
Denise E. Del Monaco, CFP®
CERTIFIEDFINANCIALPLANNERTMPractitioner
denise@marinostram.com
Denise is a CERTIFIEDFINANCIAL PLANNERTM Practitioner at Marino, Stram & Associates. She works extensively with Rick and Paul to support existing clients and specializes in the development of the comprehensive financial plan and asset management functions.
Denise graduated magna cum laude from BentleyCollegewith a Bachelor of Science degree in Finance in May 2003. She earned her Master of Science degree in Financial Planning from the McCallum Graduate School of Business at BentleyCollegein October 2004. She brings her exceptional educational background to the firm, where she began in September 2004.
Denise has obtained her Series 7 (FINRA General Securities Representative), Series 63 (NASAA Uniform Securities Agent State Law Examination) and Series 66 (NASAA Uniformed Combined State Law Exam) licenses and holds her Massachusetts Individual Insurance Producer’s license. She is also a member of the Financial Planning Association.
Michael P. Cammarata, CFP®
CERTIFIEDFINANCIALPLANNERTMPractitioner
michael@marinostram.com
Mike is a Financial Advisor at the firm. He specializes in providing support for existing clients and developing relationships with new clients. In addition, he provides support developing comprehensive financial plans and asset management.
Mike graduated from St. Anselm College in Manchester, New Hampshirewith a B.A. in Financial Economics in May 2004. He has obtained his Series 7 (FINRA General Securities Representative), Series 63 (NASAA Uniform Securities Agent State Law Examination) and Series 66 (NASAA Uniformed Combined State Law Exam) licenses. He also holds the Massachusetts Individual Insurance Producer’s License. Mike is also a member of the Financial Planning Association.
Pamela J. Cunningham, MBA
Financial Advisor, Securities America Advisors, Inc.
pam@marinostram.com
Pam joined Marino, Stram & Associates after a 26-year career at Verizon where she held various executive-level positions in Operations and Finance. She has extensive, in-depth knowledge and expertise in Verizon's benefit, savings, pension and retirement plans. Pam specializes in serving our Verizon clients, including both active employees and retirees.
Pam graduated summa cum laude in 1980 from Colby College and earned her Master of Business Administration in Finance with honors from Northeastern University in 1989. She is a member of honor societies Phi Beta Kappa and Beta Gamma Sigma.
Pam has obtained her Series 7 (FINRA General Securities Representative), Series 66 (NASAA Uniformed Combined State Law Exam) and Massachusetts Individual Insurance Producer's licenses. She is enrolled in the CERTIFIEDFINANCIAL PLANNERTM certification program at Boston University.
Catherine E. Dolphyn
Executive Assistant
cathy@marinostram.com
Cathy works as the Executive Assistant to Rick Stram. She has worked in the field of customer relations and development for over 20 years and offers her expansive knowledge of the financial services industry. She has operated in a customer-support-oriented environment through her former employment at various financial firms and a family business. She is a licensed Notary Public for the state of Massachusetts. Her outstanding achievements were recently publicly recognized when Cathy was named Securities America's Assistant of the Year for 2008. She currently sit on SAI's Sales Assistant Advisory Board.
Cathy earned her Bachelor of Arts in Psychology from the University of Massachusetts at Boston. She currently holds her Series 7 (FINRA General Securities Representative) and Series 66 (NASAA Uniform Combined State Law Exam) securities licenses and is working toward obtaining her Massachusetts Individual Insurance Producer's license. Once completed, she plans to enroll in the CERTIFIEDFINANCIAL PLANNERTM certification program.
Rita C. McGowan
Receptionist
rita@marinostram.com
Rita is the Receptionist at Marino, Stram and Associates, where she specializes in the front office operations. Rita has over 30 years experience in the customer service field in various industries. She worked as a communications operator for the City of Quincy police department for 11 years and as a telephone operator at the Sarasota Memorial Hospital in Sarasota, FL for 5 years. She has been with the firm since May of 2006. |
