My husband and I attended a few financial planning seminars and always felt that the presenters promoted and sold a specific product. Ralph had a different and unique approach. Not only was he informed; he was not trying to sell a one size fits all product but rather to share his expertise and wisdom. We scheduled a complimentary visit. The core of Ralph's approach is to engage with his prospective clients, listen, learn our dreams and goals, and get to know us. He promptly returns calls and regularly reaches out to check in. We trust him implicitly.

I attended one of Ralph’s seminars several years ago, which turned out to be a worthwhile and rewarding experience. Ralph listened to my concerns regarding my approaching retirement and helped me develop an investment plan that reflected my concerns and risk tolerance level. I value his understanding of insurance and annuities to help amass wealth and protect assets. His expertise has provided me with a true sense of financial security. Ralph is patient and is available to answer my questions. He continues to provide valuable advice regarding my investments and, more importantly, is invested in me and my financial success.

What I most appreciate about Ralph is that he is always available and willing to listen and help. He is highly knowledgeable and patient and takes the time to accomplish even the smallest of details.

My wife Lee and I met Ralph when he gave a series of presentations on various investment topics. He presented different ideas and financial realities that were new to us. He is a creative thinker, his logic made sense, and he is very straightforward, so I wanted to talk with him. There is no doubt his wealth of experience would benefit thousands of people. He wants his clients to realize they can feel safe, secure, free from anxiety or fear, and live life to the fullest each day. Ralph has earned our respect and trust. We consider him a vital resource. I also believe him to be a friend and a mentor. He cares about you and your family, and as a bonus, he’s a lot of fun to be around. He and his wife June mean a great deal to us.

Ralph is a gem of a financial advisor. He helped me diversify my financial portfolio with legacy planning that better achieves my long-term goals. He reviewed my asset allocation and identified and gave advice on the items that make a difference. Ralph backs up his advice with lots of studies of trends and tax issues. He serves as a sounding board for my ideas. I have trust in his advice, and we've become friends.

Ralph has been our Financial Advisor for many years. He gave us a clear understanding of how to achieve financial security in our retirement. He customized our portfolio to our needs and developed a creative combination that minimizes our taxes and provides a steady income. Ralph puts the client first and never will place their assets at risk. He treats us as friends and always has the right advice in any situation we present. In sum, he gave us peace of mind to enjoy life.

I met Ralph at a free class at the library that he gave on retirement planning. When I met with Ralph, he asked me all the specific questions about my current finances and the right questions about what I wanted. He needed to live my idea of a comfortable retirement. He put a plan together for me and walked me through it. He heard that I had little experience in investment and patiently began guiding me and recommending sources to improve my education, which set me at ease. His expertise, patient, and honesty are reassuring. He checks in regularly to ensure I stay on track and always teaches me something new whenever we speak.

My wife and I worked with a financial consultant who was only interested in his financial wellbeing and his hefty fees. We knew that there had to be a far superior alternative. By chance, I came upon an ad for a seminar to be presented by Ralph Adorno. We attended and are satisfied that we did. Ralph explained a route to make our nest egg grow, compounding the exorbitant fees we saved and re-energizing our accounts for safety, growth, and income. We now are looking forward to a more secure future.

We have had the pleasure of working with Ralph for a few years now. He is very professional and knowledgeable regarding insurance. He has always explained the different options to us, guiding us towards the most beneficial option. He follows through and makes sure that we are up to date.

Ralph has the experience and knowledge of preserving funds and incurring growth in preparation for one's retirement. He has helped both my wife and me with planning as we approach ours. His detailed explanation of our options to consider has enabled us to understand alternatives in preserving our wealth. We're glad we were introduced to him and looking forward to working with him for many years to come. He is a genuine person to work with that looks out for your interest.

Ralph is a knowledgeable and personable financial adviser, well-versed in various subjects, from insurance to tax planning. But his greatest strength, in our opinion, is his ability to listen and understand our wants, needs, and concerns without passing judgment. We’ve found him to be patient in his approach and responsive to any questions we might have, and we appreciate that he stays in touch and follows up. He has demonstrated a gift for making complex subjects clear, making us feel comfortable, and tailoring any advice to our situation.

Ralph has helped us in planning our retirement. He took the time to listen to our goals and then explained our options in detail, answering our multitude of questions. He follows up to ensure we have the most updated information to stay on track and answers our questions. If there were a star system for this, Ralph would be five stars (the best).

Mr. Adorno successfully established an intimate, informal climate in this popular program, which facilitated the give and takes exchange of ideas and perspectives appropriate for this mature and sophisticated audience. He was a very knowledgeable and facile lecturer. The high interest of this class was a testimony to Mr. Adorno's expertise both as a financial planner, and more importantly, as an effective teacher.

It was brought to my attention that you did not receive the thank you note that I sent you on May 29th. Please accept my apology. I, therefore, thank you again for the most informative presentation. It's been the talk of my colleagues since.

On behalf of the Oil Heat Institute of Westchester/Putnam, I would like to thank you for your educational and informative presentation on current tax reform and estate planning. We hope to have you back again for a more extended period. Your presentation touched on the key issues affecting the memberships as individuals and business people.

This brief note informs you that I thought your article in the Tax Planning Ideas on the new tax law's impact on estate planning was well written and highly understandable. It is one of the best interpretation reports I have come across thus far.

I want to thank you for your enlightening lecture, "Estate, Financial and Tax Shelters." Our members were most impressed with the information you gave us and the excellent manner you presented it. You have a wealth of knowledge. We look forward to your return visit.

Thanks for speaking to our group. Comments from the members were very favorable, and I hope Area Directors present will use your services in the future. I look forward to working with you.

Ralph S. Adorno, Investment Counselor, spoke at the Southern Region workshops about the many ways of cutting taxes, wills, trust, and investments. Ralph covers the entire state and would be an excellent speaker in October.

Thank you for coming to talk to our group recently. You know the insurance industry, and your enthusiasm for your subject matter is contagious. I enjoyed the lively discussions you generated on some of the topics you raised. Thanks again for helping us better understand the complex world of insurance.

I have known Ralph Adorno for probably 25 years. He worked with my parents, and I began to assist them with their finances. Ralph always kept me abreast of their situation, making things clear and concise so that the "common layman" had no questions at the end of speaking to him. Fast forward, Ralph became my husband's and my planner, as well as three of my siblings. Over the years, Ralph has guided our family to a place where we are well-rounded and comfortable with making financial decisions. He is a persistent and caring force behind helping us to structure our financial future.

My husband and I attended a few financial planning seminars and always felt that the presenters promoted and sold a specific product. Ralph had a different and unique approach. Not only was he informed; he was not trying to sell a one size fits all product but rather to share his expertise and wisdom. We scheduled a complimentary visit. The core of Ralph's approach is to engage with his prospective clients, listen, learn our dreams and goals, and get to know us. He promptly returns calls and regularly reaches out to check in. We trust him implicitly.

I attended one of Ralph’s seminars several years ago, which turned out to be a worthwhile and rewarding experience. Ralph listened to my concerns regarding my approaching retirement and helped me develop an investment plan that reflected my concerns and risk tolerance level. I value his understanding of insurance and annuities to help amass wealth and protect assets. His expertise has provided me with a true sense of financial security. Ralph is patient and is available to answer my questions. He continues to provide valuable advice regarding my investments and, more importantly, is invested in me and my financial success.

What I most appreciate about Ralph is that he is always available and willing to listen and help. He is highly knowledgeable and patient and takes the time to accomplish even the smallest of details.

I am a retired Police Inspector currently residing in Bronx, N.Y. I have known Ralph Adorno for over 20 years. During these years, I, including my nephew and my granddaughter, have had the pleasure of utilizing Mr. Adorno's services for several personal matters. I can honestly say with conviction that I have been delighted throughout my years of experience with him. I have found him an honest, reliable, meticulous, and a knowledgeable person. I would highly recommend him to anyone in need of a superior financial consultant.

My wife Lee and I met Ralph when he gave a series of presentations on various investment topics. He presented different ideas and financial realities that were new to us. He is a creative thinker, his logic made sense, and he is very straightforward, so I wanted to talk with him. There is no doubt his wealth of experience would benefit thousands of people. He wants his clients to realize they can feel safe, secure, free from anxiety or fear, and live life to the fullest each day. Ralph has earned our respect and trust. We consider him a vital resource. I also believe him to be a friend and a mentor. He cares about you and your family, and as a bonus, he’s a lot of fun to be around. He and his wife June mean a great deal to us.

Ralph is a gem of a financial advisor. He helped me diversify my financial portfolio with legacy planning that better achieves my long-term goals. He reviewed my asset allocation and identified and gave advice on the items that make a difference. Ralph backs up his advice with lots of studies of trends and tax issues. He serves as a sounding board for my ideas. I have trust in his advice, and we’ve become friends.

Ralph has been our Financial Advisor for many years. He gave us a clear understanding of how to achieve financial security in our retirement. He customized our portfolio to our needs and developed a creative combination that minimizes our taxes and provides a steady income. Ralph puts the client first and never will place their assets at risk. He treats us as friends and always has the right advice in any situation we present. In sum, he gave us peace of mind to enjoy life.

I met Ralph at a free class at the library that he gave on retirement planning. When I met with Ralph, he asked me all the specific questions about my current finances and the right questions about what I wanted. He needed to live my idea of a comfortable retirement. He put a plan together for me and walked me through it. He heard that I had little experience in investment and patiently began guiding me and recommending sources to improve my education, which set me at ease. His expertise, patient, and honesty are reassuring. He checks in regularly to ensure I stay on track and always teaches me something new whenever we speak.

My wife and I worked with a financial consultant who was only interested in his financial wellbeing and his hefty fees. We knew that there had to be a far superior alternative. By chance, I came upon an ad for a seminar to be presented by Ralph Adorno. We attended and are satisfied that we did. Ralph explained a route to make our nest egg grow, compounding the exorbitant fees we saved and re-energizing our accounts for safety, growth, and income. We now are looking forward to a more secure future.

We have had the pleasure of working with Ralph for a few years now. He is very professional and knowledgeable regarding insurance. He has always explained the different options to us, guiding us towards the most beneficial option. He follows through and makes sure that we are up to date.

Ralph has the experience and knowledge of preserving funds and incurring growth in preparation for one's retirement. He has helped both my wife and me with planning as we approach ours. His detailed explanation of our options to consider has enabled us to understand alternatives in preserving our wealth. We're glad we were introduced to him and looking forward to working with him for many years to come. He is a genuine person to work with that looks out for your interest.

Ralph is a knowledgeable and personable financial adviser, well-versed in various subjects, from insurance to tax planning. But his greatest strength, in our opinion, is his ability to listen and understand our wants, needs, and concerns without passing judgment. We’ve found him to be patient in his approach and responsive to any questions we might have, and we appreciate that he stays in touch and follows up. He has demonstrated a gift for making complex subjects clear, making us feel comfortable, and tailoring any advice to our situation.

Ralph has helped us in planning our retirement. He took the time to listen to our goals and then explained our options in detail, answering our multitude of questions. He follows up to ensure we have the most updated information to stay on track and answers our questions. If there were a star system for this, Ralph would be five stars (the best).

I have been to a variety of financial planners throughout my life. Still, Ralph has provided a level of competence and a more comprehensive approach to my financial situation. He has taken the time to understand the details of my status, is always easily accessible for questions or advice and refers me to other experts when needed. I am very pleased with Ralph's added security to my investments and future financial security.