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# Fifth Avenue Financial: Fifth Avenue Financial is a Massachusetts Mutual Life Insurance Company (MassMutual). We help people like you take the next step toward a more secure financial future with a variety of financial services and products.

## Sitemaps
[XML Sitemap](https://fifthavenuefinancial.com/sitemap_index.xml): Includes all crawlable and indexable pages.

## Pages
- [Our Brand Story](https://fifthavenuefinancial.com/our-brand-story/): The story of Fifth Avenue Financial begins with Howard Cowan, CLU®, ChFC®, a true pioneer in the profession and a man whose principles shaped everything that followed. In 1985, Howard founded Cowan Financial Group, guided by a belief that financial services were not about products or numbers, but about people. 
- [Careers](https://fifthavenuefinancial.com/careers/): Entrepreneurs are valued here—especially when they combine their talentswith a passion for helping others.
- [California Resident Privacy Policy](https://fifthavenuefinancial.com/ccpa/): View the full Privacy Policy here.
- [Brokerage](https://fifthavenuefinancial.com/brokerage-opportunities/): Expand your business with personalized support from our Fifth Avenue Financial brokerage team.
- [Strategic Partners](https://fifthavenuefinancial.com/strategic-partners/): Fifth Avenue Financial is proud of our advisors and the practices they’ve built to protect their clients. We are honored to have them as strategic partners and recognize the following alliances:
- [Licensing](https://fifthavenuefinancial.com/licensing/): Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming, and the Commonwealth of Puerto Rico
- [About MassMutual](https://fifthavenuefinancial.com/about-massmutual/): Fifth Avenue Financial is proud of our affiliation with this forward-thinking firm.
- [Contact Us](https://fifthavenuefinancial.com/contact-us/):   212.536.6000
- [Solutions](https://fifthavenuefinancial.com/our-solutions/): Solutions as individual as you are
- [](https://fifthavenuefinancial.com/): At Fifth Avenue Financial, we combine disciplined planning, collaborative leadership, and advisor-first mindset to help clients and advisors thrive — today and for generations to come.
- [News](https://fifthavenuefinancial.com/news/): var advisor_stream_website_pk="eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJwayI6ODYxMH0.JErqyonZfHk1v54ZbuC9A7YzDZoonNR8YQflCODa5IU"
- [Privacy Policy](https://fifthavenuefinancial.com/privacy-policy/): 2023 Privacy PolicyLast Updated: September 20, 2023View the California Consumer Privacy Act (CCPA) policy

## Press Releases
- [Scott Greenfield, CLF Appointed as CEO & Managing Partner of Fifth Avenue Financial](https://fifthavenuefinancial.com/press-release/scott-greenfield-clf-appointed-as-ceo-managing-partner-of-fifth-avenue-financial/): Fifth Avenue Financial (FAF) is thrilled to announce the appointment of Scott Greenfield, CLF as its new Managing Partner and CEO. Greenfield will be succeeding Michael Book, who has led the company with distinction since 2009.
- [Fifth Avenue Financial recertified as a Best Place to Work in the U.S.](https://fifthavenuefinancial.com/press-release/fifth-avenue-financial-recertified-as-a-best-place-to-work-in-the-u-s/): Fifth Avenue Financial, a member of the MassMutual family of firms has been recognized as one of the best places to work in the United States.
- [Fifth Avenue Financial Welcomes Steven Randall as New Managing Director in New York City](https://fifthavenuefinancial.com/press-release/fifth-avenue-financial-welcomes-steven-randall-as-new-managing-director-in-new-york-city/): Fifth Avenue Financial, a premier financial services company based in New York City, is excited to announce the appointment of Steven Randall CLU®, ChFC® as its newest Managing Director.
- [Wealth Management Advisor Lee Weinstein launches LWS Financial & Affiliates with MassMutual and MMLIS](https://fifthavenuefinancial.com/press-release/wealth-management-advisor-lee-weinstein-launches-lws-financial-affiliates-with-massmutual-and-mmlis/): Founder and Wealth Management Advisor Lee Weinstein CLU®, ChFC®, AEP® has departed Insight Financial to create LWS Financial, a holistic planning and advisory firm launched to support the continued growth of his practice.

## Team
- [Michael Dennis](https://fifthavenuefinancial.com/team/michael-dennis/): Michael Dennis brings a disciplined and strategic mindset to his role as Vice President at Fifth Avenue Financial, where he focuses on recruiting, developing, and empowering advisors to build thriving, client-centered businesses. 
- [Stephanie Madden](https://fifthavenuefinancial.com/team/stephanie-madden/): Stephanie Madden is the SVP, Head of Corporate Services at Fifth Avenue Financial, where she leads cross-functional strategies across operations, technology, and enterprise support. With over two decades of experience, Stephanie has held pivotal roles in organizations with a focus on building agile teams and reimagining internal service models to scale efficiently.
- [Chris Andrews, CEPA](https://fifthavenuefinancial.com/team/chris-andrews/): Chris Andrews is a Senior Vice President at Fifth Avenue Financial. With over a decade of experience, he is a dedicated leader in wealth management, focused on empowering financial advisors to grow their businesses and deliver exceptional client experiences. With a deep expertise in business development and strategic partnerships, Chris provides our advisors with the guidance, tools, and resources they need to build successful practices. 
- [Steven Nigro, CFA®, CFP®](https://fifthavenuefinancial.com/team/steven-nigro-cfa-cfp/): Steven Nigro is the Vice President of Wealth Management at Fifth Avenue Financial. He plays a vital role in supporting and empowering our financial advisors, helping them grow their businesses and better serve their clients. With a deep understanding of investment platforms, products, and strategies, he provides hands-on training, mentorship, and business development guidance. 
- [Steve Randall, CLU®, ChFC®](https://fifthavenuefinancial.com/team/steven-randall/): Steve Randall CLU®, ChFc® is a Managing Director at Fifth Avenue Financial with 25 years of experience in the financial services industry. He has held various leadership roles at Northwestern Mutual and Lenox Advisors where he developed a passion for coaching and mentoring in a sales environment. 
- [Elizabeth Frunzi](https://fifthavenuefinancial.com/team/elizabeth-frunzi/): Elizabeth Frunzi is the SVP, Head of Marketing at Fifth Avenue Financial. She has worked in marketing and sales for over 20 years and held key leadership roles at Disney, The NY Yankees and Northwestern Mutual.
- [Lisette Clark](https://fifthavenuefinancial.com/team/lisette-clark/): With over 25 years of experience in the financial services industry, Lisette is a seasoned professional who launched her career at Paine Webber after attending Rutgers University. Her journey saw her progress through the ranks in various managerial and operational roles, ultimately leading to a specialization in life insurance underwriting and case management.
- [Scott Greenfield, CLF](https://fifthavenuefinancial.com/team/scott-greenfield-clf/): Scott Greenfield, CLF is the CEO & Managing Partner of Fifth Avenue Financial. He is responsible for the firm’s talent acquisition strategy and advisor development, as well as partnering with our executive team on the company’s direction and growth initiatives.
- [<strong>Kyle Uricchio</strong>](https://fifthavenuefinancial.com/team/kyle-uricchio/): Kyle Uricchio is a Vice President and Head of Investment Oversight at Fifth Avenue Financial since 2014.  Kyle is responsible for monitoring, evaluating, and mitigating compliance and regulatory risks to the firm.  Prior to joining Fifth Avenue Financial, Kyle was a member of the Business Acceptance Team at MassMutual, where he conducted back-office suitability reviews and firm acceptance of new and existing submissions related to brokerage, direct & third-party advisory accounts.
- [<strong>Michael Patch</strong>](https://fifthavenuefinancial.com/team/michael-patch/): Michael Patch is a Brokerage Director at Fifth Avenue Financial. He works closely with our network of brokers to maintain and foster strong relationships within our brokerage community. He specializes in working with independent brokers to help solve their clients’ financial needs with the MassMutual product portfolio including: life insurance, disability income insurance, long term care solutions, and fixed annuities.  Prior to joining Fifth Avenue Financial, Michael was an Associate at Lenox Advisors, where he worked with individual clients, attaining a vast knowledge of MassMutual’s product offerings and case design. 
- [<strong>Kristen Olsziewski</strong>](https://fifthavenuefinancial.com/team/kristen-olsziewski/): Kristen Olsziewski is Senior Vice President and Head of Regulatory Operations, Supervisory Solutions at Fifth Avenue Financial. With ten years of supervisory experience, she leads a team responsible for monitoring, evaluating, and mitigating compliance and regulatory risk, as well as licensing and credentialing. 
- [<strong>Dennis Mullen, </strong>ChFC®<strong>, CLTC</strong>](https://fifthavenuefinancial.com/team/dennis-mullen-chfc-cltc/): Dennis Mullen is a Managing Director at Fifth Avenue Financial. Since 2009, Dennis has led the Brokerage team, making our firm one of the leading Brokerage arms of MassMutual. He also works closely with our independent brokers to help them solve their clients' financial needs with the MassMutual product portfolio, including: life insurance, disability income insurance, long term care solutions and fixed annuities.
- [<strong>Shirley Morel</strong>, FLMI](https://fifthavenuefinancial.com/team/shirley-morel/): Shirley Morel is SVP, Head of Agency Operations at Fifth Avenue Financial.  She works across various departments to ensure service and operational excellence for our advisors and brokers. She is responsible for the day-to-day operations of our brokerage and new business departments, developing our agency service standards and supporting the agency’s marketing initiatives.  
- [<strong>Christina Mantzaris</strong>](https://fifthavenuefinancial.com/team/christina-mantzaris/): Christina Mantzaris serves in a dual role as our Chief Financial Officer & Chief Operating Officer (CFO-COO).  She is responsible for driving the firm’s financial growth strategy, ensuring operational excellence, and fostering a collaborative and integrated team environment.  With over two decades of financial services experience, she acts as a strategic partner to CEO Scott Greenfield and our leadership team.  Under her stewardship, the company has seen sustained growth and expansion as a leading MassMutual General Agency.  
- [<strong>Zinora Koven</strong>](https://fifthavenuefinancial.com/team/zinora-koven/): Zinora Koven brings over 40 years of insurance brokerage experience to our team. Before joining Fifth Avenue Financial, Zinora’s insurance career began at National Pension Service, a general agency for The Guardian Life Insurance Company in White Plains, NY.  From there, she moved on to their headquarters in NYC to work with George Brenner in the estate planning department.  She was fortunate enough to be hired by Howard Cowan (Cowan Financial Group) which is the predecessor to Fifth Avenue Financial.  
- [Peter Kane](https://fifthavenuefinancial.com/team/peter-kane-cltc/): Peter Kane is the Chief Supervisory Officer at Fifth Avenue Financial. Peter and his team handle all aspects of supervision and risk management for the firm. Complying with the constantly evolving regulatory requirements takes a culture dedicated to putting the client’s needs above all else. From there, it is just a matter of building processes and executing. A culture like this is only possible if everyone from the top-down shares the vision. As a result, we are fortunate to have one of the most tenured supervisory teams in the industry.  
- [<strong>James Farka</strong>](https://fifthavenuefinancial.com/team/james-farka/): Since 2009, James Farka has been a Senior Vice President with Fifth Avenue Financial supervising our firm’s Advanced Life Sales division. He works with our advisors in the affluent marketplace focusing on estate planning, retirement planning, business planning and personal planning techniques.  
- [<strong>Kay-Dean Dawson-Smith</strong>](https://fifthavenuefinancial.com/team/kay-dean-dawson-smith/): Kay-Dean Dawson-Smith is a Controller at Fifth Avenue Financial. She works closely with our CFO to oversee our financial processes and activities. This includes supervising all accounting functions and ensuring the highest level of standards, internal controls and process excellence.  Before joining FAF, she worked at Lenox Advisors as a member of their New Business case management and Finance teams.  
- [<strong>Elizabeth (Liz) D’Aleo</strong>](https://fifthavenuefinancial.com/team/elizabeth-liz-daleo/): Liz D’Aleo is our Managing Director, Head of Sales.  Liz acts as a sales, strategy and consultative resource, providing guidance, product knowledge, and practice management support. She spends her time working closely with our advisors optimizing their staff, assisting in critical strategic business decisions, institutionalizing, and implementing key processes, in turn increasing sales activity and revenue.