meet  the team

Decades of combined experience. Award-winning service. Nationally recognized skills.

meet  the team

Decades of combined experience. Award-winning service. Nationally recognized skills.

GET  TO  KNOW
FIRST  DOWN  FINANCIAL

Stephen Ruff updated background2

Stephen Ruff

Founder | President

Inspired by his father’s work in the industry and a genuine desire to assist others, Stephen has built his experience in financial service for 40 years. He has helped numerous individuals seeking retirement planning and financial guidance at all ages and in many professions. He excels in tax-advantaged strategies and has extensive product knowledge, while staying up to date on market trends.

Beyond work, Stephen cherishes spending time with his family. He and Victoria, his wife of 39 years, raised six children and now enjoy life as the grandparents of five. When not managing businesses or coaching youth sports, Stephen enjoys working out and playing softball.

Steve Vettorel

Stephen Vettorel

Co-Founder | Portfolio Manager

Victoria Ruff

Victoria Ruff

Managing Member

Robert Ruff

Robert Ruff

VP of Operations | Advisor

Daniel Bates

Daniel Bates

VP of Case Design | Advisor

Vel Tino

Vel Tino

Client Relations | Office Manager

Brody Ruff

Brody Ruff

New Business Specialist | Advisor

Jordan Engel

Jordan Engel

New Business Specialist

Michael Contreras

Advisor

John Gabriel

Advisor

Linda Rieber

Advisor

James Beaupre

Advisor

Joshua Lowy

Advisor

Mitchell Morrison

Advisor

Christine Morelli

Christine Morelli

Rocco Morelli

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