Our professionals are keen observers and careful, empathetic listeners accustomed to working with successful individuals and business owners, and have vast experience addressing the unique requirements of managing personal and business wealth.

When you work with Wolff Wealth Advisors, you have the assurance of working with an integrated team of financial specialists whose backgrounds, experience and credentials span multiple disciplines.

By examining your unique circumstances through the lens of various wealth and risk management disciplines, we can provide a seamless, holistic solution for managing all aspects of your financial situation.

Gary Wolff, CLU®, ChFC®


As President of Wolff Wealth Advisors, Gary Wolff continues a family legacy in financial services that began when his father founded the Thomas Wolff Agency in Rockville, Connecticut in 1954. Years later, Gary, his daughter Kristina, his brother, Greg, and Greg’s son, Keith, joined the family business, each pursuing their respective specialties in financial services. Gary and Kristina work extensively with small business owners. He specializes in designing and implementing company retirement plans as well as other business financial services such as buy-sell agreements, key person insurance, succession planning and executive benefits. He also works with owners and their families on their personal planning, including advising them on retirement income distribution, estate planning as well as long term care and disability income protection. Kristina is also skilled on Life Settlements, the ability of a policy owner to sell their policy for cash.

Gary is a Chartered Life Underwriter (CLU®) and Chartered Financial Consultant (ChFC®). He believes in supporting his profession through his involvement in industry groups such as the Hartford Business and Gary has qualified as a member of the prestigious Million Dollar Round Table since 1978. Founded in 1927, Million Dollar Round Table (MDRT) is a global, independent association of the world’s leading life insurance and financial services professionals from more than 500 companies in 70 nations and territories. During his long tenure with this association, he has served as Chairman of the Ethics Committee and has spoken six times at their annual meetings. He also has qualified for the exclusive Court of The Table.

No less important to Gary is his work with various community organizations, including:

  • Metro-Harford YMCA (Past Board Chairman; Past Finance Committee Member; Current Endowment Development Committee Member)
  • UCONN Foundation (Past Professional Advisory Committee)
  • Hartford Foundation for Public Giving (Past Professional Advisory Committee)
  • Tolland County Chamber of Commerce (Past President) at age 29, the youngest President ever
  • Thomas & Bette Wolff Family Charitable Foundation (Current Board of Directors)
  • Connecticut PGA Foundation (Current Board of Directors)

Gary received a Bachelor of Science degree in Economics from Southern Connecticut State University where he was an All-American Swimmer and All Eastern Water Polo Player as well as captain of both teams.

Gary and his wife, Eileen, live in Woodstock, Connecticut. They have two children, Jonathan (and his wife Lauren) and Kristina. He and Eileen also have four grandchildren, Jusveer, Maahie, TJ, and Maddie.

Gary Wolff, CLU®, ChFC®

Kristina Wolff-Singh, V.P.

Investment Advisory Representative

Kristina Wolff-Singh joined Wolff Wealth Advisors in 2021 as the third generation to continue the family legacy of “service beyond the contract” in financial services. She attributes her service orientation to her grandfather who founded the insurance planning firm of Wolff-Zackin and Associates, as well as her father, Gary Wolff, who founded Wolff Wealth Advisors. Kristina is a licensed life and health producer and registered with FINRA as an I.A.R. (Investment Advisory Representative). Kristina meets with clients, prepares financial plans, and helps clients implement investment and insurance solutions that best meet their needs. She takes into account clients’ current circumstances as well as their goals to co-create a plan that is both manageable in the present while still preparing for the future the client envisions. Kristina loves to work with retirement plan sponsors, helping to identify the best option for each business, putting the plan in place, and providing amazing on-going service to owners and plan participants. Kristina is bi-lingual in Spanish and English, and can provide individualized service to employees and clients who prefer to communicate in Spanish.

Kristina lives outside Portland, OR and can provide in-person service in the Pacific Northwest. She also spends a significant amount of time in Manchester, CT at the Wolff Wealth Advisors office.

Kristina is skilled in the area of life settlements, and has spoken for insurance producers, CFPs and CPAs. In 2022, she spoke at the NAIFA-WA chapter (National Association of Insurance and Financial Advisors) annual summit.

After earning a BA in Sociology from Oberlin College, Kristina taught Spanish for two years at Mooreland Hill School in Connecticut. She later earned a MSW in Social Work from the University of Michigan and was a social worker in both Detroit, MI and Salt Lake City, UT.

In her free time, Kristina enjoys exploring the Pacific Northwest with her two children, Jusveer and Maahie. She also enjoys reading, crafting, and all water activities. She volunteers regularly at Midwest New England Food Bank and her son’s school. She has served as a Girl Scout troop leader in the past.

Kristina Wolff-Singh

Janine Wetherell

As Administrative Assistant to Gary Wolff, Janine Wetherell uses her extensive background in customer service to help deliver Wolff Wealth Advisors’ “service beyond the contract” approach to business. She is responsible for day-to-day operations, including processing, managing, and monitoring new and existing accounts, administering forms and account changes, and managing insurance policy administration.

Before joining Wolff Wealth Advisors in 2021, Janine was a paralegal at a New England law firm. Before that, she provided customer service at many levels for a wide variety of organizations over the years, including insurance publishing, accounting, home healthcare, and direct sales.

When asked what she is most proud of, Janine points to her 20-year career building a successful direct sales business that gave her the flexibility to work from home and take an active role in raising her son. She likes to think that her availability to be involved at school and other aspects of her son’s childhood contributed to his success today as a surgeon at a Baltimore hospital.

In her spare time, Janine is an avid reader, enjoys camping, and, above all, spending time with her family.​

Janine Wetherell

Chris Bottaro, MBA

Senior Vice President Insurance Management Team

Chris Bottaro is the Senior Vice President of Insurance for our partner, Valmark Financial Group. He is responsible for the vision, strategy and execution of life insurance marketing, underwriting, new business, and inforce insurance solutions. In this role, he prides himself in partnering with advisors and insurance carriers to help make the life insurance process simpler and more efficient. He has a technical risk assessment background and spent the first 12 years of his career in various underwriting production and leadership positions at Lincoln Financial Group in Hartford before relocating to the Twin Cities to join Valmark in February of 2015. He has an MBA from the Isenberg School of Management at the University of Massachusetts, a BA in Economics from Boston College, and holds Series 6 and 26 registrations. Chris is a proud member of the Twin Cities Association of Home Office Underwriters and the Minneapolis Leadership Roundtable.

Chris Bottaro, MBA

Keith Miller, MBA, CLU®, ChFC®

Vice President Insurance Marketing

Keith Miller is the Vice President of Insurance Planning for our partner, Valmark Financial Group. Keith works with the insurance planning team to provide advanced case design and sales expertise. His core areas of focus include customized wealth transfer solutions, product analysis and holistic life insurance design. Mr. Miller is a national presenter at the Association for Advanced Life Underwriting (AALU) annual conference. He received his BA from Samford University and his MBA in Finance from the University of Alabama. Mr. Miller is also a Chartered Life Underwriter® (CLU®), Chartered Financial Consultant® (ChFC®) and holds Alabama Life and Health licenses.

Keith Miller, MBA, CLU®, ChFC®

Chris Finefrock, MBA, CFP®

Senior Investment Analyst

Chris Finefrock is the Senior Vice President of Financial Planning and Investments for our partner, Valmark Financial Group. In his role, he oversees and is a resource for the team responsible for all aspects of design and implementation of various brokerage, insurance and advisory solutions intended to assist investors with risk management and reaching their accumulation and/or distribution goals. He also oversees the practice management and financial technology area which assesses third-party vendor technology and assists Member Firms in the selection and implementation of processes within their practice. Lastly, he oversees the investment operations division including data processing, books and records retention, principal review and custodial platform relationships. In addition to his Series 7, 24 and 66 registrations and his Ohio Life, Health and Variable licenses, Mr. Finefrock holds a BSBA in Financial Services and an MBA in Finance from the University of Akron. He is also a CERTIFIED FINANCIAL PLANNER™ (CFP®) professional.

Chris Finefrock, MBA, CFP®

Judson Forner, CFP®, CRPC®

Investment Analyst & Annuity Specialist

Judson Forner is the Vice President of Investment Operations for our partner, Valmark Financial Group. In his role, he leads the teams directly responsible for processing all investment-related business submitted through Valmark. This includes the handling of paperwork and electronic submissions, principal review and vendor services. In addition, he oversees the trading team, manages relations with Valmark’s custodial platforms, and participates on Valmark’s Product committee. Mr. Forner has presented on topics such as Money Management, Financial Planning and Annuities at Valmark Member Summit and Member Staff Summit conferences, as well as higher education institutions, such as Ursuline College and The Ohio State University. He has also been quoted in industry publications, including Barron’s, Bloomberg, CNBC, Financial Advisor Magazine, and Investment News. In addition to his Series 6, 7, 24, 53 and 66 registrations and his Ohio Life, Health and Variable licenses, Mr. Forner earned a BSBA in Finance from The Ohio State University. He is also a CERTIFIED FINANCIAL PLANNER™ (CFP®) professional and a Chartered Retirement Planning CounselorSM (CRPC®).

Judson Forner, CFP® CRPC®

Michael Noss, FALU

Insurance Underwriting Specialist

As Director of Underwriting for our partner, Valmark Financial Group, Michael Noss is responsible for the technical assessment and negotiation of underwriting offers and serves as a contact for any new business or underwriting issues. He also serves as an advocate for Valmark’s Member Firms through every stage of the underwriting process, working to anticipate potential issues, identify the best carrier for that issue and to negotiate the best possible offer. While Mr. Noss is a national presenter at Valmark’s Member Summit, he also presents at other various industry conferences. He earned his BA in Philosophy and Communication from Saint John’s University. Mr. Noss is also a member of the Association of Home Office Underwriters (AHOU) and a Fellow of the Academy of Life Underwriting (FALU).

Michael Noss, FALU

James Dawson, CFP®, CLU®

Director, Life Settlements

James Dawson is the Director of Life Settlements for our partner, Valmark Financial Group. James is responsible for managing the day-to-day operations of the life settlement business. This includes establishing and implementing new processes and procedures, directing and facilitating the sale of policies from the initial offering through the formal case submission and acting as an escalation resource for complex and technical life settlement issues. He works to find ways to simplify the life settlement transaction process and improve efficiencies. Above all, Mr. Dawson is passionate about delivering the best possible experience for our clients. Mr. Dawson earned a BBA in Financial Planning from the University of Akron, graduating Summa Cum Laude. He also holds Ohio Life, Health, Accident and Variable licenses, Series 7, 24 and 66 registrations and is a CERTIFIED FINANCIAL PLANNER™ professional.

James Dawson, CFP®, CLU®

Michael Michlitsch, MBA, CRPC®

Vice President, In Force Insurance Solutions

As Vice President of In Force Insurance Solutions for our partner, Valmark Financial Group, Michael leads the Valmark Policy Management Company (PMC) and Life Settlement teams. Michael is responsible for integrating strategies and solutions to maximize in force insurance business to best serve our clients. Previously, he was Manager of Practice Management at Securian Financial Services, Inc., a Senior Training Manager for Woodbury Financial Services, Inc., and Sales Manager for Ameriprise Financial Services, Inc. Mr. Michlitsch earned his MBA from the Opus College of Business at the University of St. Thomas and his BA in Management and Marketing from Bethany Lutheran College. He is a Chartered Retirement Planning Counselor℠ (CRPC®) and carries the following Financial Services Designations: CFS, CIS, CFF, CES, CAS and CTS. In addition, he holds Series 7, 24 and 66 registrations as well as Life, Health, and Variable Life and Annuity licenses.

Michael Michlitsch, MBA, CRPC®