Small enough to give you the attention you deserve. Experienced enough to give you the expert advice you demand.

Our Team

Linda Schoenthaler

Linda Schoenthaler
Founder and President

With over 34 years of experience, Linda strategically advises high-net-worth individuals and businesses on their wealth management and financial planning needs. She works with clients to empower them so they can make sound financial decisions, help them reach their financial goals and preserve wealth for generations to come.

Prior to founding Financial Decisions, LLC in 1991, Linda was a partner at Circle Consulting Group, a benefits consulting and financial planning firm. As President of Financial Decisions, she is responsible for long-term strategic planning and business development of the firm.

A female pioneer in financial services, Linda has appeared in publications such as The Wall Street Journal, Town & Country and Glamour magazine for her expert advice on financial matters. Linda is also the only woman in the history of Penn Mutual Life Insurance Corp. to be inducted into their Golden Eagle Hall of Fame.

Outside of her professional life, Linda is involved in philanthropic efforts with organizations that improve and support the health and well-being of children and their families. She serves as Board President for The New York Center for Children (NYCC). She also sits on the board of two private foundations.

Linda attended Simmons College and Columbia University where she pursued degrees in math and psychology. She holds a designation as a Chartered Financial Consultant, has her Series 7, 63 and 65 licenses as well as has her life and health insurance licenses and is a Registered Representative of HTK.

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Ken Gutwillig
Partner and Chief Investment Officer

Ken oversees the investment portfolios for all of Financial Decisions’ clients. He believes that applying the scientific method to investment analysis — a course of action that is disciplined and rigorous — yields the best results over time. This approach allows him to keep an even keel throughout today’s increasingly volatile markets.

Ken is a member of the prestigious Bretton Woods Committee, which gives Financial Decisions, and our clients, access to some of the great minds in the world of business and finance. Ken is also a Fellow of the Foreign Policy Association, and a member of the Economic Club of New York.

After the financial crisis of 2008, Ken was Founding Chairman of the Investment Managers and Advisors Alliance (IMAA®), a non-profit trade association whose goal was to improve communication within the financial profession and out to the investing public.

Ken’s current research collaborations include:

• Applying principles of behavioral finance to the chronic problems of underparticipation and underperformance in defined-contribution pensions.
• Finance mechanisms and the role of non-governmental organizations (NGOs) in shaping sustainable development.

Ken regularly provides his professional expertise on a wide variety of topics to the financial trade media, including The Wall Street Journal, Financial Advisor Magazine, Financial Planning Magazine and Investment News.

Ken maintains his Series 7, 63, and 65 licenses as well as his life and health insurance licenses, and is a Registered Representative of HTK. He earned his bachelor degree from the University of Colorado. He lives with his wife and two young boys in Westchester County, NY. In his spare time, Ken enjoys fly fishing and skiing.

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Florence Dupont, CFP®

Florence Dupont, CFP®
Partner and Chief Financial Planning Officer

Florence advises high-net-worth individuals on all aspects of their financial lives. With over twenty years of experience in the profession, her long-standing passion to help people achieve their financial goals becomes an integral part of developing each client relationship. Florence strives to gain an in-depth understanding of her clients’ needs and values to best advise and help them work through financial challenges they may face throughout their lifetime.

Florence joined Financial Decisions in 1997. Previously, she worked at R.L. Renck & Co. as a stock analyst and Amerivest, a small boutique financial planning firm.

Raised in Paris, France, Florence attended Universite Paris-Dauphine where she earned a Maitrise de Gestion (the French equivalent of a Master’s degree). In 1992, she earned her MBA at Baruch College and decided to settle in New York permanently. She went on to become a US citizen in 2001.

Florence earned the Certified Financial Planner designation from the College for Financial Planning, maintains her Series 7 and 63 licenses as well as her life and health insurance licenses and is a Registered Representative of HTK. Florence is fluent in French and English.

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Krystina Brown, CFP®

Krystina Brown, CFP®
Director of Financial Planning

Krystina is actively involved in the development and implementation of individual plans for the firm’s clientele. In addition to meeting with her clients on their financial planning needs, her main duties include analyzing clients’ information and creating custom reports for each step of the financial planning process. She also oversees the hiring and training of new employees.

Krystina joined Financial Decisions in 2005 after graduating Magna Cum Laude from Washington & Lee where she earned dual degrees in economics and Spanish. Since joining the firm, she has earned her Certified Financial Planner designation from New York University.

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Kimberly Ruscigno

Kimberly Ruscigno
Assistant Portfolio Manager

With Financial Decisions since 2010, Kim provides support to the wealth management team. She assists with investment research, facilitates portfolio rebalancing and handles account documentation. Kim also works to maintain data integrity and the security of client information to help ensure company compliance with SEC regulations.

Prior to joining Financial Decisions, Kim worked at Fiduciary Trust Company International where she provided investment management and client service support. She graduated from the State University of New York College at Oneonta in 2004 with a bachelor of science in business economics. She is currently studying to sit for the Series 65 investment advisor representative examination.

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Romina Stoumpos
Office Manager

Romina joined Financial Decisions in 2016 to manage the administrative functions, day-to-day operations and overall organization of the firm.  She oversees administrative staff and serves as point person for external vendors and service providers.  Romina has over 15 years’ experience in a wide range of administrative and financial areas in small to mid-size firms, most recently at Milstein Properties.  Previously, she held office manager roles at Golub Capital and Highland Financial Holdings Group, LLC.  Romina earned a BBA degree in Management from Baruch College in New York City and is a member of the Society for Human Resource Management (SHRM).  Romina lives with her husband in Rockland County, NY and outside of work enjoys ballet dance and skiing.

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