About UpstateAndrew Kalinowski, founder and President of Upstate Special Risk Services, entered the insurance industry in 1969 first as a producer and then as a home office representative and general agent. Determining that the future of our business would be to serve the independent producer and institutional account, he created Upstate in 1974. Since that time, Andy and his team have been at the leading edge of brokerage services always looking for ways to improve the products and services that we make available to our business partners. In 1982, seeing that adding a securities business would enhance our ability to serve the community, he co-founded LifeMark Securities Corp as a national, full service broker dealer. Recently, we added an RIA and fee based financial planning program to our suite of services. Today, we are able to meet the challenges of our industry and support the varying business models that exist today. Andy is always available to discuss your business goals and you can reach him by e-mail or by phone at +1 (800) 828-4415 ext. 3001. We look forward to serving you.
Our focus and responsibility is to build strong client relationships where we represent your interests in a way that distinguishes you from your competitors.
We understand that your business is our business and your success translates into our own. When we work with you, we bring years of experience to help you navigate toward the best possible outcome for your clients.
We believe in win-win partnerships. Business relationships need to work for everyone, or it won't work for anyone.
Features and Benefits
We will always act in your best interest as well as that of your clients to bring about the best possible solution to the situation presented.
We will provide expert, competent support in every area of our business. This includes underwriting, case design and marketing.
Our compensation structure is fair and transparent and our expense allowance agreement will clearly state what you can expect from working with us.
We will always pay out renewals and full street commissions on all products we wholesale.
The Upstate Advantage
The strong relationships that we have developed and maintain with our agents is the biggest difference when you work with Upstate. We care about your business and are flexible and adaptive to provide the type of support that makes the most sense for your particular business model.
We are not a one size fits all brokerage firm, but take the time to listen and learn about the type of practice you have so that we can partner with you to help you grow your business.
Integrated Financial Services Platform
You are aware of our Insurance brokerage resources. Now, explore our integrated financial services platform expanding our insurance based business model to include our sister Broker Dealer, Corporate RIA and fee based financial planning organization.
This structure allows you to expand yet consolidate your business. It's simply a better way of giving you access to multiple platforms to serve the needs of your clients with efficiency and access to traditional advisory and financial planning solutions.
LifeMark Securities Corp.
Attn: Andrew J. Kalinowski, CEO
400 West Metro Financial Center
Rochester, New York 14623
Phone: +1 (800) 291-7570
Fax: (585) 272-7170
Co-founded by Andy Kalinowski and Vince Micciche in 1982, LifeMark first and foremost recognizes and understands the autonomy of an Independent Financial Services Professional. The Independent Representative plays a vital role in financial services that cannot be provided by large broker/dealers. We honor and respect the need for flexibility and product offerings, and provide access to over 100 insurance and mutual fund companies. This allows our representatives to serve their clients' ever changing needs.
LifeMark's Corporate RIA Program provides advisers with the institutional power and flexibility needed to develop an advisory practice. We offer a top-tier menu of fee-based options, complete operational support, with fair and transparent client pricing.
Our advisory program provides strategies ranging from a sophisticated global allocation to innovative alternative investment approaches.
Our lineup of strategic partners include institutional and alternative managers such as: Goldman Sachs, State Street Global Advisors, Symmetry Partners, New Frontier Advisors, JP Morgan, Genworth Financial and Morningstar, to name a few...
Investment allocations within the advisory program utilize mutual funds, ETF's, and individual equities.
Benefits of the LifeMark Corporate RIA Program include:
- World Class investment managers,
- Avoiding client billing and back office headaches,
- Improved adviser time management and operation efficiency, and
- Assistance transitioning to a fee-based practice.
- We are committed to offering solid, well-respected Third Party Managers of the highest caliber.
To learn more about the opportunities available through LifeMark's RIA Program, email Andy Kalinowski or call him at 800-828-4415 ext. 3001 for a confidential consultation
Many advisers realize that the overall success of their professional practice depends on the ability to deliver objective and personalized financial planning services. LifeMark Securities, through the utilization of advanced financial planning software provides our advisers with just that ability.
Leveraging sophisticated technology and a comprehensive approach, advisers can provide deeper insights to solving client's most challenging issues. Individual plans are based on a client's specific and unique circumstance, addressing a single concern or the most complex planning issues.
For more information, contact Andy Kalinowski by e-mail or by calling 800-828-4415 ext. 3001.
Even with regard to fixed insurance, LifeMark respects the need for flexibility in product offerings and provides access to numerous insurance products, underwriting expertise, creative case design, marketing support, and education to the independent agent community.
As an independent broker/dealer, LifeMark recognizes its representatives' autonomy to place traditional fixed business with whatever agency they choose, but still provides them with the opportunity to process this business if it is their desire.
For more information on how LifeMark can help you process traditional insurance products, contact your supervising principal directly or email firstname.lastname@example.org.
Meet Our Team
Andrew J. KalinowskiCEO and Registered Principal
Liz CasperManaging Director and Supervising Principal
Andrea GrahamLong Term Care Specialist
Stephanie GeorgievSenior Case Manager