Our Team

Our Team

Joseph L. Gugino, CFP®

Joe is a partner of the firm. He is a graduate of SUNY Fredonia with a degree in business. Joe served on active duty in the United States Marine Corps as an F/A-18 Hornet Fighter Pilot and the New York Air National Guard as a KC-135 Aircraft Commander. He has flown multiple missions in support of OIF/OEF. He recently retired as a Major in the United States Air Force Reserves.

Joe began his financial career as an investment advisor with New England Securities in 2010 in the Fredonia, New York, location. He also received the prestigious CERTIFIED FINANCIAL PLANNER™ certification.

Joe enjoys biking, golfing, and boating with his family. He and his wife, Jessica, live in Fredonia with their two children, Rosemary and Louie.


Joseph Gugino is proud to have been recognized as a Summit Club advisor for 2017—a distinction based on annual production that places him among the top 23 percent of advisors affiliated with Commonwealth Financial Network.

Each year, Commonwealth, the Registered Investment Adviser–broker/dealer that helps us process investment transactions on your behalf, recognizes Summit Club advisors by inviting them to an exclusive gathering of their peers, leading industry experts, and Commonwealth home office staff. Summit Club advisors benefit from an intensive learning and networking experience designed to help them hone their expertise, share best practices, and provide ever-higher levels of service, education, and leadership to their clients.

Daniel R. Ryel, CLU®, ChFC®

Dan is a partner of the firm. He is a graduate of SUNY Fredonia and was an English teacher before joining New England Life in 1977. He served in the U.S. Army and attained the rank of Staff Sergeant. He has the professional designations of Chartered Life Underwriter® and Chartered Financial Consultant®.

Dan and his wife, Nancy, live in Fredonia and have two daughters, Rene Maloney of Lakeview and Brennan Ryel of Silver Creek.

Sarah B. Muscato, Notary Public

Sarah is the office manager. She is a graduate of SUNY Fredonia with a degree in art. She joined New England Financial Investment Services in 2005. She is the owner of Jubilee Jewelry, featuring hand-crafted custom-made jewelry by Sarah. She earned her Notary Public title in 2012.

Sarah enjoys running, reading, fishing, and spending time with family and her boyfriend.