Get to know Stephen Raglow-Defranco

Mr. Raglow-DeFranco has over 25 years in the Financial Services Industry. He is licensed in several states and focuses on holistic financial planning, retirement distribution, estate planning, wealth management, and business planning. Mr. Raglow-Defranco holds the Chartered Life Underwriter CLU®, Chartered Financial Consultant, ChFC®, Certified Financial Planner CFP®, and Certified Retirement Planning Consultant. He is a member of FPA® The Financial Planning Association. Stephen and his wife Carolyne live in Niagara Falls, New York. They have seven children. They spend much of their free time visiting their children in Toronto, Rochester, Syracuse, Long Island and Boston. Stephen also enjoys volunteering by coaching Special Olympics.

Professional Designations

ChFC®, Charted Financial Consultant 5/01/2012 The American College, Bryn Mawr, PA.

Candidates must complete an 8-course program focusing on financial planning responsibilities, risk management strategies, income tax strategies, retirement planning, investment strategies, estate and gift-tax planning, personal financial planning strategies, and specialized strategies. 

CLU® Charted Life Underwriter 11/01/2023 The American College, Bryn Mawr, PA.

Candidates must show expertise in life, insurance, estate planning, and business planning. Required courses and tests must be completed along with ongoing continued education

CFP® Certified Financial Planner 12/07/2021 

Candidates must meet CFP Board's educational, experience, examinaton, and ethical requirements. Candidates must commit to providing financial planning services that adhere to CFP Board's standards of excellence.