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Our Ability to Offer Guidance in All Areas of Financial Planning
Extends Beyond Our Four Walls

As part of our commitment to offering holistic financial planning, we work with a select network of specialized industry professionals. These trusted advisors offer their expertise in areas of concern our clients may have - from retirement income planning to tax returns.

By working together, we can cover the gamut in assessing and addressing every aspect of your financial life now and through the future.

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Karen Conway
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Karen Conway

Karen is the owner of a Sales and Marketing Consulting firm focused on solutions for businesses. With over 20 years experience, she specializes in working with companies that help families find resources and placement in the senior housing and assisted living industry. As a US Navy Veteran, Karen has a personal interest in assisting veterans and their families.

Education and Experience

  • Pittsburgh Technical Institute - Travel and Tourism
  • Skaggit Valley College - BA -Business Administration
  • United States Navy
  • Advisory Board Member for Care Changes, Inc. A National Referral Placement

Service

  • National Patient Advocacy Foundation - Volunteer Advocate

Personal

Karen resides in Orlando Florida. She dedicates her time to being a volunteer patient advocate, has a passion for travel and also owns her own Travel Agency.

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David Albert

CPA, CFP®, ESQ
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David Albert, CPA, CFP®, ESQ

Dave is a shareholder at Rubino & Company and is responsible for managing his diverse tax practice, including closely-held businesses, individuals, estates and trusts. He also oversees the wealth management practice of the firm and is a practicing attorney. With more than 30 years of experience, Dave brings a level of excellence that clients can rely upon.

Education

  • Georgetown University Law School – Master of Laws
  • Washington School of Law at American University – Juris Doctor
  • Wharton School at the University of Pennsylvania – Bachelor of Science in Economics, concentration in Accounting
  • Graduated magna cum laude

Licenses, Designations, Memberships

  • Certified Public Accountant
  • Bar Memberships-Maryland, D.C. and Virginia
  • Series 7, 31 and 65 securities licenses
  • Life and Health Insurance license
  • CERTIFIED FINANCIAL PLANNER™ (CFP®)
  • American Institute of Certified Public Accountants (AICPA)
  • American Bar Association
  • Greater Washington Society of Certified Public Accountants
  • Maryland Association of Certified Public Accountants
  • Virginia Society of Certified Public Accountants
  • Maryland, DC and Virginia Bar Associations
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Craig Carlini

CPA, CFP®
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Craig Carlini, CPA, CFP®

Dave is a shareholder at Rubino & Company and specializes in finding strategies to minimize tax burdens and preserve wealth for his clients. He is responsible for management of the tax, wealth management and business consulting practice, practice development and client services. He has over 30 years of experience providing proactive, creative tax and investment advice to government contractors, medical practices, attorneys, lobbying firms, and high net worth individuals. Craig also provides consulting on business acquisition and disposal compensation planning, business restructuring, and reengineering.

Education

  • George Washington University – Master of Business Administration in Finance and Investments
  • Georgetown University – Bachelor of Science in Business Administration

Licenses, Designations, Memberships

  • CPA/Personal Financial Specialist
  • CERTIFIED FINANCIAL PLANNER™ (CFP®)
  • American Bar Association
  • Maryland & Montgomery County Bar Associations
  • Board of Governors, B’nai Israel Congregation, Rockville, MD
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Kristen S. Mirsky

ESQ
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Kristen S. Mirsky, Esq.

As a senior staff member at Rubino & Company, Kristen is responsible for providing clients with a variety of tax-compliance services, including individual and fiduciary return preparation, tax projections, and substantive responses to IRS and state tax authority inquiries. As a practicing attorney with David Albert & Associates, LLC, she specializes in estate planning, wealth preservation and probate administration.

Education

  • Georgetown University Law Center – Master of Laws, Taxation
  • St. Thomas University School of Law, Miami Florida – Juris Doctor
  • University of Florida – Bachelor of Arts, History

Licenses, Designations, Memberships

  • Bar Memberships - Maryland & West Virginia
  • American Bar Association
  • Maryland & Montgomery County Bar Associations
  • Board of Governors, B’nai Israel Congregation, Rockville, MD

Personal

Kristen lives in Rockville, MD with her husband, Ira, sons, Adam and David, and her rescue dog, “Nora.”

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Kurt Czarnowski
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Kurt Czarnowski

Kurt is currently the Principal of Czarnowski Consulting, a retirement planning firms which provides “Expert Answers to Your Social Security Questions.” He has over 34 years’ experience working with the Social Security Administration. He is the Regional Communications Director for the Social Security Administration in New England and was responsible for coordinating the Social Security Administration’s public affairs/public information activities in the six New England states.

Education

  • Northeastern University – Master of Public Administration
  • Hamilton College– Bachelor’s degree in History

Publications

  • Author of the chapter on “Social Security and Retirement Planning,” for the book, The Six Secrets to a Happy Retirement, published by ATA Press in March 2013
  • “Retirement Weekly,” a MarketWatch Publication, contributor
  • “USA Today” Social Security Q&A contributor

Licenses, Designations, Memberships

  • Massachusetts Association of Older Americans (MAOA), President, Board of Directors
  • Massachusetts Money Management Project, Advisory Council
  • New England Pension Assistance Project, Advisory Board

Personal

  • Frequent speaker at local and regional Social Security events
  • Resides in Norfolk, Massachusetts with his wife, Anne