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Raymond F. Ciccarelli

Raymond F. Ciccarelli

Vice President - Founder - Financial Advisor


Ray’s mission is to develop comprehensive financial plans for each of his clients, with a specialty in retirement planning. He embraces an innovative approach when designing a portfolio that has the potential to provide income and growth - for clients who are nearing retirement and for those who have already retired.

Extraordinary service has always been a top priority to Ray. As the complexities of the industry and the number of clients he serves have greatly increased over the years, his support staff has grown to accommodate your needs. His staff has a wide array of knowledge in many areas, including insurance, operations, compliance, and client services.

With a strong support network in place, Ray focuses on his specialty: developing and maintaining comprehensive financial plans that guide his clients towards a comfortable retirement.


Ray’s father Frank Ciccarelli started in the financial planning business in the 1970s. At age 17, Ray became one of the youngest Registered Representatives in the industry - so it is fair to say that Ray grew up in the business!

In 1983, he and his sister Kim founded Ciccarelli Advisory Services, Inc. He is a registered representative of FSC Securities Corporation.

Working in tandem with partner Carol Girvin and three additional financial planners, Ray allocates their team’s resources to developing extensive financial plans for their clients. In addition, Ray enjoys hosting educational seminars and other activities for his clients throughout the year.



Eugenio Maria de Hostos Charter School Board of Directors, Member


YMCA of Greater Rochester Board of Directors
Heritage Christian Services, Foundation Board of Directors
Genesee Region Special Olympics
Catholic Charities Community Services
Scott Spino Foundation