Our Team

Richard Pelletier, J.D.

West Springfield, MA & Punta Gorda, FL

Senior Associate, Investment Adviser Representative
Attorney, Medicaid and Asset Preservation HTR Specialist

Richard Pelletier is an Investment Adviser Representative, insurance professional, author, and attorney who serves as a Financial Adviser specializing on Asset Preservation.

Professional Credentials

• National Academy of Elder Law Attorneys, Membership taken in 1999
• Co-author of two text books: "Tax Strategies for the Highly Compensated' and "Advising Elders in Crisis" published in 2001 by Massachusetts Continuing Legal Education M.C.L.E."
• Life and Health Insurance Licensed in MA, CT and FL
• Investment Adviser Representative (Series 65)
• Over 30 Years of Experience in Insurance, Estate Planning, Medicare & Medicaid Issues, and Designing Retirement Strategies
• Guest Speaker on the Topics of Elder Law, Long-term Care, and Retirement Issues
• Former Adjunct Faculty Member- UMass Amherst, and Western New England University, also Lectured at Elms College and Holyoke Community College
• J.D. Law Degree Western New England University's School of Law, B.S.B.A. Western New England University

Dominika Zielinska, MBA

Worcester

Certified Medicare and Life Insurance Advisor

Dominika Zielinska is a licensed Medicare Professional with the Help To Retire Group who plays an instrumental role in finding the proper Medicare coverage for the Medicare Eligible Individuals, here in Massachusetts.

When it comes to Medicare, one size does not fit all. That’s why it is important to find a proper plan that is designed to fit a particular individual’s health care needs. Dominika prides herself on being able to work closely with her clients to provide the help they deserve. As a state licensed Medicare Agent and Life and Health Professional, Dominika can help individuals prepare & plan for retirement, understand the benefit options available, help families stay protected if a main earner passes away, and offer guidance on Long-Term Care needs and Disability Income Protection. 

Dominika is also an avid photographer and French Wine Scholar, and established her own wine venture, Vinoteka Nika, in 2015.

• Medicare State License, Life & Health Licensed (MA)
• MBA, Marketing & Management of Corporations - University of Economics, Katowice, Poland (2004)
• New England School of Photography, Boston MA (2014)
• Wine & Spirit Education Trust, London, United Kingdom (2015)

Jeff Harder

Worcester/West Springfield

Medicare Specialist

Jeffrey has a client base of over 750 households in New England, his extensive knowledge of Medicare Plans and Options plus the many supplemental insurance programs makes him  a valued addition to the internal expertise available to our retires planning their retirement health coverage.

Professional Credentials

• Licensed Life and Health Insurance Agent & Registered Representative
• University of Vermont, BS in Business, 2000
• University of Queensland (Australia), 1999>

BENJAMIN DZIALO, CFA, CAIA

New England

Fiduciary / Investment Adviser Representative

Ben Dzialo is a seasoned professional with 19 years of extensive experience in Insurance and Investment Management. Holding prestigious designations including Chartered Financial Analyst (CFA) and Chartered Alternative Investment Analyst (CAIA), Ben possesses a deep understanding of financial markets and investment strategies.

Throughout Ben's career, he has played a pivotal role in advising and educating Financial Advisors across the United States on a wide array of investment and retirement products. His expertise spans across both large corporate insurers and small Hedge Funds, providing him with a comprehensive perspective on the industry.

With a passion for empowering others with financial knowledge and strategic insights, Ben has made significant contributions to the professional development of financial professionals nationwide. His dedication to excellence and commitment to staying at the forefront of industry trends make him a sought-after resource for guidance and mentorship.

Ben continues to leverage his wealth of experience and expertise to drive positive outcomes for clients and colleagues alike, embodying the highest standards of professionalism and integrity in all endeavors.

Lewis Leathersich

Wakefield, MA

Drawing on 28 years of experience, Lew develops retirement programs and insurance strategies that address the unique circumstances of our country’s growing mature population and their adult children. His broad base of knowledge puts him in demand to provide guidance on:

• Exploring safe money alternatives
• Maintaining financial independence throughout retirement
• Protecting and preserving hard-earned assets
• Providing options that could maximize Social Security benefits
• Reducing estate taxes and continuity of assets to beneficiaries

Lew’s strategy is safety, growth, and control. He knows firsthand how he can help his clients address concerns about outliving retirement income, estate taxes, and loss of family assets. His ultimate goal is to provide direction that can result in financial peace of mind.

Lew presents informational workshops on a variety of topics including Asset Preservation, Social Security Planning, Long Term Care, and Financial Wellness. He has lived on the North Shore of Boston for 30 years and is married with three grown children.

Professional Credentials:

• Licensed Producer
• National Social Security Advisors Certificate
• Public Speaker on topics covering: Retirement, Income Planning & Social Security
• J.D. Degree, Syracuse University

Brian Heath

West Springfield

Supplemental Benefit Division

Brian Heath heads up the Supplemental Benefit Division of HTR Group, a New England-based company that works with insurance brokers and agencies to provide supplemental health options to companies in the mid and large case market.

As an independent broker, CBU Benefits is free to act solely in the best interest of their clients by offering the most competitive products available.

• Benefits are paid directly to the insured.
• Premiums are payroll deducted for easy administration.
• Voluntary benefits are available on an individual or group platform.
• A broad range of financial wellness options for employees and their families.

Marcia Bernstein, LCSW, CLTC

Avon, CT

Investment Adviser Representative
Hybrid Long Term Insurance Alternative Specialist

Since 2000, Marcia has helped people integrate strategies to accumulate and preserve financial resources for lifelong income and security. With nearly 20 years of experience as a healthcare provider and rehabilitation unit administrator, she is motivated by her passion to help people optimize their quality of life. 

Selected Professional Licenses/Certifications/Affiliations/Memberships:

• Series 65 Licensed - Investment Adviser Representative
• Licensed Insurance Agent (Life, Accident, and Health)
• Licensed Clinical Social Worker (LCSW)
• Certified in Long-Term Care Planning (CL TC)
• Long-Term Care Partnership Certified

Nicole Pelletier FYntrilakis

West Springfield, MA

Office Manager and Seminar Coordinator

Nicky is responsible for overseeing the day-to-day operations of the office, managing administrative staff and functions and ensuring a smooth workflow with staff, management and clients. She also coordinates HTR's seminars.

Matthew keeney

West Springfield

Marketing Director

Matt is responsible for the ongoing  interface of some 29,000 households in the HTR database. He monitors daily interaction with clients and prospective clients’ inbound inquiries from all media channels including TV, radio shows, and online media campaigns. He is an integral marketing asset maximizing the growth of our firm.

Keith everett

West Springfield

Operations Manager

Keith Everett is an experienced professional with 15 years of expertise in the insurance and financial services industry. Currently serving as Operations Manager at Help to Retire LLC, Keith will mark his fifth anniversary with the company on April 1st, 2025. In his role, he is responsible for overseeing the transfer of funds in and out of the company, ensuring accurate and timely financial transactions. He also manages the processing of applications to various insurance and financial companies, working to streamline these processes for greater efficiency and compliance. With a strong track record in financial operations, Keith's attention to detail, organizational skills, and leadership have played a key role in maintaining smooth business operations and achieving company goals. His 15 years of experience have equipped him with a deep understanding of industry best practices, and he continues to drive improvements in operational efficiency and service delivery.