Our Team

Gregory L. Kozerski, CPA, CFP®, AIFA®Gregory Kozerski

Owner / President

Greg has a broad range of experience in providing comprehensive financial planning and investment advisory services to both individual and business clients. Greg earned his Bachelor of Science Degree (Magna Cum Laude) in Accounting and a Master’s Degree (Cum Laude) in Business Administration from Canisius College in Buffalo, New York.

Greg’s professional designations and memberships include:

  • Certified Public Accountant (CPA)
  • CERTIFIED FINANCIAL PLANNER™ (CFP ®)
  • Accredited Investment Fiduciary Analyst™ (AIFA ®)
  • Financial Planning Association (FPA)
  • American Institute of Certified Public Accountants (AICPA)
  • New York State Society of Certified Public Accountants (NYSSCPA)

Greg’s consultative approach to financial planning and investment advisory services is a key ingredient in the success of the firm’s collaborative team environment.

Outside of Waterford, Greg has an active lifestyle and is an outdoor sports enthusiast who is passionate about fly fishing. Greg keeps fit by cycling, swimming, and running, and during 2012, he trained for and participated in his first sprint triathlon.

Contact Greg at glk@waterfordadv.com or 716-580-3906, ext. 115.

 

 

Christina M. Michalczak, CFP®, QPFCChristina Michalczak

Owner / Financial Planner

Christina joined the firm in May 2007. She works closely with clients on financial planning issues and oversees the implementation of client recommendations. Christina also oversees the firm operations including; HR, Compliance and IT-related items. She is a CERTIFIED FINANCIAL PLANNER™ professional and an Enrolled Agent with the IRS. She earned her Bachelor of Science Degree in Financial Planning from the State University of New York at Alfred. Christina enjoys walks with her dogs and participates in local animal rescue group events. 

Christina’s professional designations and memberships include:

  • 2014 Business First 30 Under Thirty Honoree
  • CERTIFIED FINANCIAL PLANNER™ (CFP ®)
  • Enrolled Agent (EA)
  • Financial Planning Association (FPA)
  • Qualified Plan Financial Consultant (QPFC)
  • American Society of Pension Professionals and Actuaries (ASPPA)

Contact Christina at cmm@waterfordadv.com or 716-580-3906, ext 112.

 

 

Michael D. Harmer, CFP®Michael Harmer

Owner / Financial Planner

Mike has been with the Waterford team since 2012. He is a CERTIFIED FINANCIAL PLANNER™ professional and an Enrolled Agent with the IRS. He is intimately involved with the presentation of client financial plans, implementation of client recommendations, as well as daily client service needs related to all areas of comprehensive financial planning. Mike received his undergraduate degree with a Bachelor of Science in Finance from Canisius College. In his spare time, he is a sports enthusiast that loves to support the local professional teams, and enjoys traveling and playing golf.

Mike’s professional designations and memberships include:

  • CERTIFIED FINANCIAL PLANNER™ (CFP®)
  • Enrolled Agent (EA)
  • Financial Planning Association (FPA)

Contact Mike at mdh@waterfordadv.com or 716-580-3906, ext. 105.

 

 

Daniel Byles-Smith, CPA, CFP®                                           

Tax Manager

Daniel has experience as a tax professional, primarily servicing closely held businesses and their owners as well as individual tax clients. Daniel provides tax planning and compliance services to Waterford clients. Prior to joining Waterford, he worked as a Tax Manager with Freed Maxick CPAs and was a Senior Accountant with Chiampou Travis Besaw & Kershner LLP. While working with those firms he gained experience in business acquisitions and mergers as well as multistate filings, estate planning, and business succession planning for family owned businesses.

Daniel earned his Bachelor of Science degree in Accounting & Economics from Purdue University and has completed his Master’s in Taxation from Northeastern University. Dan enjoys golfing and spending time with his family.

Daniel’s professional designations and memberships include:

  • Certified Public Accountant (CPA)
  • CERTIFIED FINANCIAL PLANNER™ (CFP®)
  • American Institute of Certified Public Accountants (AICPA)
  • Financial Planning Counselors of Western New York (FPC) *Board Member
  • Estate Analysts of Western New York
  • New York State Society of Certified Public Accountants (NYSSCPA)
  • Team Fast Foundation *Treasurer
  • Financial Planning Association (FPA)

Contact Daniel at dbs@waterfordadv.com or 716-580-3906, ext. 101.

 

 

Marybeth Rose

Service AdvisorMarybeth Rose

Marybeth graduated from the SUNY Alfred College of Technology with a Bachelor of Business Administration Degree in Financial Planning and an Associate of Applied Science Degree in Accounting. Marybeth services client needs on a daily basis; handles client requests, reviews retirement and cash flow projections, reviews materials, and provides follow ups for meetings. She also provides support to the tax department during tax season and manages the firms website, quarterly newsletter, and social media accounts. 

Marybeth's professional memberships include:

  • Financial Planning Association (FPA)

Contact Marybeth at mbr@waterfordadv.com or 716-580-3906, ext. 106.

 

 

Ellen J. Bosco

Client Service Associate 

 

Ellen is our "director of first impressions." She greets all clients and guests as they arrive at or call into our office. She works closely with all of our staff in servicing client needs and the needs of our office including event planning and administration. Prior to joining Waterford, Ellen worked with Key Bank (First Niagara) as a Senior Teller. Ellen earned her Bachelor of Science Degree in Communications from SUNY Fredonia. She enjoys spending time with her daughter Elise and her cat Phoebe, and volunteering with local animal rescue organizations.

Contact Ellen at ejb@waterfordadv.com or 716-580-3906, ext. 103.

 

 

Ryan M. DiPasquale

Tax Intern

Ryan has joined our firm to assist within our Tax Department. He helps with tax preparation and assists our Tax Manager throughout the year with bookkeeping and tax planning. Ryan is working towards his BS in Accounting and Finance through Canisius College. He enjoys being an assistant hockey coach with the Buffalo Bison’s 18U AA and volunteering with Best Buddies. He is also a part of the Accounting Society at Canisius College. 

Contact Ryan at rmd@waterfordadv.com or 716-580-3906, ext. 111.

 

 

 

 

 

David T. Hore

David Hore

Director of Business Development

Dave earned a Bachelor of Science Degree in Business Administration, with a concentration in accounting, from the State University of New York at Buffalo in 1987 (Magna Cum Laude). In 1994, he became the managing partner for one of the largest accounting firms in WNY, and in 2003, became the co-president of PCB Group, Inc. Very active in the WNY charitable community, Dave is the former president and CEO of Big Brothers Big Sisters of Erie County.

Contact Dave at 716-580-3906.

 

 

 

 

The Waterford family!