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About the Authors

We are passionate about supporting people through the transition into retirement and firmly believe that clarity in the plan leads to confidence in the future. For decades, we have been working with clients, speaking to groups, and conducting workshops that implement the principles we believe in.

Marie Madarasz, AIF



Marie Madarasz, AIF® is a Wealth Manager and Financial Planner at Quest Capital & Risk Management, Inc. and has nearly two decades of experience in the financial services industry. She enjoys being part of a team that has a positive impact on clients' financial lives by helping them develop and maintain investment and income strategies that help them pursue the life they’ve worked hard for in retirement.

As an active member of the financial planning community and a lifelong learner, Marie has received the Accredited Investment Fiduciary (AIF®) designation from Fi360 and is currently completing the coursework necessary to sit for the exam for the Certified Financial Planner (CFP®) designation from the College of Financial Planning. As an AIF® designee, she has been certified specifically for her ability to follow a fiduciary process with her clients’ best interests at heart.   Marie is also a proud member of  Ed Slott’s Elite IRA Advisor GroupSM .  Earning these designations show that she is committed to following and adhering to a code of ethics, continuing education, and always putting her clients’ best interests first.

As a strong advocate of financial life planning and education, Marie has completed specialized courses including the Money Quotient "Fundamentals of Financial Life Planning" as well as The Kinder Institute of Life Planning’s “The Seven Stages of Money Maturity® Workshop.” Both programs detail how to become an effective communicator with clients so they can truly reflect on what’s important in their lives.

Prior to joining Quest, Marie ran the  Secondary Marketing Department at Bankers Federal Savings Bank, where she sold mortgages and mortgage-backed securities into the secondary market. This experience provided her with deep insight into risk management and market dynamics that she carries into her work with clients every day.

Marie was inspired to pursue a career of financial planning because she understands that money has a tether on every part of life, and when clients gain clarity around how they will replace the paycheck in retirement, it enables them to focus on the unique goals that are truly important to them--allowing them to plan for their best lives. She is focused on empowering others with this message.

She is a proud mom of three boys, two of whom play lacrosse and one who is a drummer. In her free time, you can find her hiking local trails, traveling, expressing her creative side through art, and spending quality time with family and friends.

S. Joseph DiSalvo, ChFC



S. Joseph DiSalvo, ChFC®, is the President of Quest Capital & Risk Management, Inc., which he founded in 1997. With more than 25 years in the financial services industry, he values the long-term relationships he has with his clients and is passionate about helping them build and maintain successful investment and income strategies that align with their life goals. He prides himself on delivering an outstanding level of service for his clients and he enjoys leading an outstanding team of dedicated professionals who are passionate about coming to work each day and thrive on playing an important role in clients’ lives.

Joe received his Bachelor of Arts degree from the State University of New York at Stony Brook, Chartered Financial Consultant designation (ChFC®) from American College, and is an Accredited Investment Fiduciary, (AIF®). He is committed to following and adhering to a code of ethics, continuing education, and always putting his clients’ best interests first. His ChFC® designation is a mark of excellence signifying that he has a comprehensive education in financial planning and knows how to leverage his knowledge of investments, insurance, and tax planning into a financial plan designed for you. He is also a proud member of  Ed Slott’s Elite IRA Advisor GroupSM

He has served as a Northeast Field Advisory Board Representative with AssetMark, a Fortune 500 company that helps independent financial advisors build strong businesses, and has been recognized as being among their top tier of advisor relationships nationwide. In addition, he ranks among the top producing registered representatives at Cetera Advisors Network.

An accomplished public speaker, he has had the honor of leading over 100 educational workshops for a wide range of national organizations. His enthusiasm for offering straightforward insights into complex financial topics inspires him to engage with audiences and welcome new clients seeking guidance on retirement income strategies.

Joe is a family man and a nature enthusiast. He enjoys hiking, photography, and national parks and has camped at over 14 national parks around the country. He is a proud dad of two boys who have played Division 1 college lacrosse together. When he isn’t cheering his boys on at the field, he also enjoys endurance events, exercising, music, reading, BBQing, and organizing tailgating events for kids from various teams in his area.