Life Is Not Defined by Numbers Alone
The Kaminsky-Silverman Group
We partner with successful families and individuals like you.
Whether you’re a young professional formulating a savings and spending plan, an entrepreneur seeking organization, a divorcee navigating life transitions, or a retiree wanting to protect assets for decades to come, we respond to your top-of-mind questions and create dynamic financial plans that work.
While the financial sector often assumes that achieving your vision is solely a function of number crunching - get the math right, and everything else falls into place, we believe that life is not defined by numbers alone. Our bespoke solutions are specifically tailored to reflect the unique individuals we serve. Our approach bridges the gap between data and quantitative analysis, with qualitative details such as your most deeply held principles, values, and goals to develop a long-term plan for your future. We explore opportunities, safeguard against potential pitfalls, and employ our unique EQ/IQ process to create comprehensive financial plans.
We look forward to the opportunity to collaborate with you and your family.
Our Firm
Founded over eight decades ago, Shufro Rose has helped generations of individuals and families navigate life’s challenges, building portfolios that are responsive to evolving goals and changing market conditions. The firm currently manages nearly $2 billion.
Shufro Rose is comprised of four distinct groups who are united by the firm’s rich history, robust operational practices, and rigorous adherence to compliance standards. After collaborating since 2006, The Kaminsky-Silverman (“KS”) Group was formalized in 2015 by a Shufro Rose veteran, Tonia Kaminsky, and her partner, Barbara Silverman.
Meet the Kaminsky-Silverman Group
The best compliment we’ve received from those we serve is that we’ve made them feel like they’re our only client. The testimonial emphasizes our focus on long-term relationships and high-quality high-touch service. With a diverse range of experiences and perspectives, we are planners and investors who consider the individual, not just the numbers.
The Kaminsky-Silverman Group is part of Shufro Rose, an independent firm with an eight-decade long track record of assisting generations of individuals and families. Having collaborated closely for nearly two decades, Tonia Kaminsky and Barbara Silverman inaugurated The Kaminsky-Silverman Group in 2015.
TONIA KAMINSKY
Principal & Senior Financial Advisor
BARBARA SILVERMAN CFA, CFP®, CHSNC®
Senior Financial
Advisor
ADRIANA PYC, CFP®, CPWA®
Vice President & Financial Advisor
VRUNDA PATEL, MBA
Senior Client Service Associate
KATIE ELMAN
Administrative Assistant
TONIA KAMINSKY
Principal & Senior Financial Advisor
Tonia has been a financial mentor and confidant to generations of families for over twenty-five years. While Tonia’s experience has largely focused on structuring personalized investment portfolios, she also carries a long track record of anticipating and effectively responding to the priorities and needs of individuals and families to ensure they feel secure about their future. Tonia has played an integral role in the evolution of Shufro Rose, becoming a Partner of the firm. In 2015, she led the formation of the Kaminsky-Silverman Group.
Tonia obtained her Bachelor of Science degree from the University of Massachusetts-Amherst. Her passion for personal finance extends beyond her professional role. Tonia is a board member of The Council for Economic Education where she works to expand access to financial and economic education to the youngest generations of Americans. She strongly believes that such knowledge leads to a stronger future, greater wealth, and the achievement of long-term goals.
Tonia grew up in New Jersey and currently resides closer to nature in New Canaan, Connecticut. In her free time, Tonia broadens her know-how through reading and loves to explore nearby trails. Tonia is a devoted aunt to her nieces and enjoys caring for her furry companions Hegel, Eddie, and Miu Miu.
KATIE ELMAN
Administrative Assistant
Katie combines a dynamic theater background with administrative support experience, bringing versatility and efficiency to the Kaminsky-Silverman Group.
Katie earned her Bachelor of Fine Arts Degree focusing on Musical Theater. While Katie can be seen performing off-Broadway and in theaters across the nation, beyond the spotlight, she steps into the role of an administrative assistant with equal dedication. Katie is armed with exceptional attention to detail, unparalleled organizational skills, and a knack for streamlining processes.
When not performing or optimizing office operations, Katie can be found indulging in a diverse array of interests. A proud California native, she spends her free time doting on her beloved cat, Matilda, and practicing the piano.
BARBARA SILVERMAN CFA, CFP®, CHSNC®
Senior Financial Advisor
Barbara has been helping individuals and families navigate their personal financial decisions for over two decades. After spending several years conducting research on European and U.S. industrial companies for an investment bank, she embraced a more personal role. What originally started as collaborating with families who needed help reaching their financial milestones eventually turned into leading the Kaminsky-Silverman Group at Shufro Rose.
Barbara is a graduate of Dartmouth College and received her master’s from the University of Michigan Ford School of Public Policy. She brings decades of investing experience enhanced by her Chartered Financial Analyst designation, a certification which required three years of testing in areas such as stock and bond analysis. To support her efforts in creating dynamic plans for clients, Barbara additionally obtained her CERTIFIED FINANCIAL PLANNER® certification. While she enjoys using her knowledge to work with an array of individuals, as a mom of a son with Autism, Barbara has subsequently developed an expertise in planning for families with Special Needs, for which she achieved the Chartered Special Needs Consultant designation following a course of study focusing on the unique discipline of creating a successful estate for a dependent with special needs.
Outside of the office, Barbara spends her time raising two boys and a mini labradoodle. She is an avid traveler, and her favorite activity is when the family (except the dog) heads off to a foreign destination each year. As a New York City transplant from Chicago, she also explores places closer to home on long walks around the city.
ADRIANA PYC, CFP®, CPWA®
Vice President & Financial Advisor
Adriana brings over a decade of experience to the families she collaborates with at Shufro Rose. She began her professional career identifying, funding, and incubating hedge funds at a private investment firm in New York City - think Shark Tank for portfolio managers. Led by her passion for financial literacy and a strong desire to serve individuals and families, rather than large organizations such as pensions and endowments with unlimited resources, Adriana ultimately chose a path that emphasized personal financial planning.
Adriana graduated cum laude from the University of Albany, State University of New York. While Adriana partners with members of the Kaminsky-Silverman Group on strategic initiatives, her primary expertise is helping individuals achieve their financial goals and make informed money decisions. As a CERTIFIED FINANCIAL PLANNER® professional and a Certified Private Wealth Advisor® professional, Adriana is trained to provide comprehensive financial planning services that include retirement planning, investment management, tax planning, estate planning, risk management, and more.
When Adriana is not focused on helping her clients live their best financial life, she spends quality time, usually over a delicious meal or a hike in the woods, with her loved ones. Adriana was born in Poland and currently resides in New York with her husband. They look forward to welcoming the newest addition to their clan, a baby boy, in May 2023.
VRUNDA PATEL, MBA
Senior Client Service Associate
Vrunda brings nearly a decade of experience to her tight-knit client relationships. While her professional roots lie in business operations, Vrunda’s desire to build strong, long-term relationships with individuals and families, coupled with her naturally warm demeanor and approach, led her to a more client-facing role at the Kaminsky-Silverman Group.
Vrunda is a graduate of the University of Albany, State University of New York. She also received her MBA from Northeastern University. Vrunda oversees day-to-day operations and client experience. Vrunda prioritizes and ensures that the needs of those she serves are met in a timely and efficient matter, ranging from smooth onboarding to speedy responses to inquiries and requests.
As a newlywed, Vrunda enjoys spending time with her husband in the Eastern part of Long Island, New York where they reside. She appreciates touring the North Fork, trying new restaurants, traveling to visit family and friends, and relaxing on the beach with a good mystery book. Vrunda has recently taken up gardening on her journey as a first-time homeowner.
Our Mission
The financial services industry often assumes that your vision for the future can be met solely through number crunching and math-based analysis on a spreadsheet.
We, however, understand that life is not defined by numbers alone and that financial success is not a hard science. Your personal history, unique habits, and family nuances play an important role in defining and attaining wealth. We recognize that financial well-being is often predicated more on how you act and react than on what you know.
Our high-touch and personalized approach bridges the gap between quantitative data and your experience, balancing numbers-based tools with essential human elements, such as individual principles, values, and goals.
We explore opportunities, navigate potential pitfalls, and create comprehensive plans that can be comfortably embraced and implemented.
Depending on your situation, and your wants and needs, your tailored financial plan can encompass some, or all, of the following components:
Retirement Planning
By helping you define your retirement goals, structuring tax-efficient withdrawals, and mitigating risks, we work with you to develop a playbook to achieve and enjoy a successful retirement. We become your financial quarterback by understanding and managing the many moving pieces of your financial picture.
Investment Management
We develop customized portfolios to meet your financial objectives. Our long-term approach focuses on asset allocation models, diversified across geographies and asset classes, that utilize investment factors to help drive returns and reduce volatility over time. We employ ETFs, in some cases enhanced by individual stock selection.
Tax Optimization
We want you to keep more of your nest egg. We build tax-optimized investment portfolios, collaborate with your accountant, and assist with other tax-saving strategies related to charitable giving and estate planning.
Estate Planning
We ensure your final intentions are honored by educating you about your options, thoroughly reviewing your existing documents and asset titling, and establishing appropriate vehicles related to Medicare and Special Needs.
Insurance and Asset Protection
In addition to providing for your loved ones, thoughtful insurance strategies can protect your hard-earned wealth, create tax shelters, and allow assets to last longer. We review your existing coverages, conduct needs analysis, and offer unbiased advice. We do not sell insurance or collect any commission and referral fees.
Charitable Giving
Personal benefit is usually not at the heart of giving. However, being intentional with monetary contributions to charitable organizations may not only propel your values forward but may also meaningfully impact your financial future from a tax and estate planning perspective.
Education Planning
Navigating the historically high education costs may feel like a daunting task to those who want to provide the gift of education to their youngest loved ones. We help you navigate the myriad of available options available, from 529s to UTMAs to Trusts.
Planning for Next Gen
From meeting the needs of young executives navigating their stock awards and employee benefit plans, guiding new parents as they move through significant life events, and supporting the youngest generations who are just starting out, it is never too early to seek our guidance to your top-of-mind questions.
Special Needs Planning
We have specialized knowledge, and personal experience, focused on special needs planning. We guide families through important financial decisions like estate planning and eligibility for government benefits to ensure a secure financial future for their loved ones with disabilities.
Our EQIQ Process
Our comprehensive EQIQ Process helps you achieve financial success by combining the expertise of financial planning with insights into how personal histories can influence identifying and achieving goals.
The EQIQ Process acknowledges that achieving financial goals is not just about a cash flow analysis and a prudent investment plan, but also about understanding and addressing the underlying thoughts, values, and principles that can impact our relationship with money.
By taking a holistic approach, the EQIQ Process enables our team to create financial plans that are specifically designed for the diverse needs and important financial aspirations of individuals and families.
The EQIQ Process results in the development of a powerful financial plan coupled with informed money habits that support financial freedom.
EXAMINE
We examine details of your personal and financial life by discussing your top-of-mind questions and learning about you and your family. We identify your values and illuminate your personal and financial goals.
QUANTIFY
We quantify your current financial position to gauge where you are today and determine the steps needed to align your current profile with your goals in the future.
IMPLEMENT
We implement financial planning and investment-related recommendations. We become your financial quarterbacks to execute steps for propelling you toward your life goals.
QUALITY
The quality control process should last a lifetime and often generations. We monitor your plan at regular intervals to watch for success and make necessary adjustments. We ensure you feel like you’re our only client by providing you and your family with ongoing attention.
Our Insights
Welcome! Here, we share insights, tips, and the latest developments related to personal finance. Whether you are seeking specific or general advice, you’ll find valuable information to enhance your knowledge and stay updated on our constantly evolving field. Please contact us if you do not find the information you are seeking. Happy browsing!
