Lou is the CEO and Founder of Cross Roads Divorce Advisors, LLC. As a Certified Divorce Financial Advisor®, Lou specializes in evaluating and advising clients on the tax and financial intricacies of divorce. With a first-hand and empathetic understanding of how highly emotional the divorce process can be, Lou is dedicated to reducing the burden of each client by thoroughly examining the financial elements of the client’s divorce, with a keen focus on what is in her or his best interests. He is committed to helping a client understand the more complex tax and financial implications of his or her situation and provide thoughtful strategies, advice, and answers to the financial questions an individual must consider when considering or going through divorce.
Louis A. Falvo is a member of:
Kristin has over 25 years of experience in the finance industry working as a financial analyst, business valuation analyst and as a consultant. Prior to joining Chiampou Travis Besaw & Kershner, LLP (CTBK), Kristin served as principal at Bonadio & Co., LLP, a valuation analyst at Empire Valuation Consultants, LLC, and a senior manager at Mengel, Metzger, Barr & Co. LLP. She has been involved with a multitude of valuations of various equity classes for companies operating in the manufacturing, construction, retail, healthcare and professional services industries, among others. These valuations have served a plethora of purposes including potential company and/or equity sales, estate taxes, gifting, litigation services, ESOPs, recapitalizations, stock option plans and divorce matters.
Kristin started her career at U.S. Trust Company of New York in Estate and Trust Administration. She then continued on her career path as a financial analyst for several different companies, including a 501(c)(3) printing company, an Upstate New York energy company, and a national cable television company.
Kristin holds a Master of Business Administration (MBA) degree in finance from Fordham University and a Bachelor of Arts (BA) degree in psychology and political science from Hobart & William Smith Colleges. Kristin is also a Certified Valuation Analyst (CVA). To enhance her abilities as a neutral party and facilitator in a collaborative setting, Kristin completed Collaborative Practice Training and Divorce Mediation Training in 2019 and 2020, respectively. Kristin is a member of the New York State Council on Divorce Mediation (NYSCDM) and the Collaborative Law Association of the Rochester Area (CLARA).
Kathryn R. Castro is a financial advisor with Cordaro, Rappold & Associates, a Platinum advisory practice of Ameriprise Financial Services, Inc. She has been serving clients in this capacity for over 12 years. Katie is a CERTIFIED FINANCIAL PLANNING™ practitioner and a CERTIFIED DIVORCE FINANCIAL ANALYST. Her educational background, which includes a Bachelors in Social Work and a Masters in Counseling, gives her a unique perspective to help clients and their families develop financial plans and reach their financial goals. Prior to working in the financial industry, Katie was employed in the public school setting as a school counselor where she worked with young children and teens to navigate the challenges they faced, often including families struggling with divorce and transition. Katie currently supports her divorcing clients through individualized discussion, analysis and planning for each stage of the divorce process. Katie is an active member of the Collaborative Law Association of the Rochester Area and certified as an allied professional.
Kristen is a skilled financial executive with demonstrated abilities in asset valuations; identifying, executing and financing successful growth strategies; evaluation of prospective business and investment opportunities; and in sourcing, negotiating and integrating mergers and acquisitions. She has twenty-five years’ experience in consulting for small and medium-sized businesses as well as in financial management and strategy in the consumer products, manufacturing, telecommunications and financial services sectors. She brings disciplined business judgment, financial leadership and a high level of integrity to the realization of clients’ business objectives.
Before forming Lumina Partners, LLC, Kristen served in a variety of senior financial, strategy and mergers/acquisitions roles for multinational beverage manufacturer Constellation Brands. Her background also includes capital markets expertise and corporate finance roles at Frontier Corp. and Citibank.
Kristen earned her MBA in Finance from the College of William and Mary, where she was elected to Beta Gamma Sigma, and her BA in Psychology from Bucknell University, where she was elected to Psi Chi. She is a CFA charter holder, a member of the CFA Institute and a past Director of the CFA Society of Rochester. Kristen is a member of the New York State Council on Divorce Mediation and the Rochester Association of Family Mediators. She is a member of the Advisory Board of Directors and former Chair of the Audit Committee of the Greater Rochester Chapter of the American Red Cross.
My expertise is in the financial issues of separation and divorce. I concentrate my entire practice on this issue. As a result, I have worked on hundreds of collaborative cases. I bring more than 40 years of experience in the financial industry to you, the client, to help educate you about your choices and prevent many of the surprises that could result from making financial decisions during such an emotional time. I recognize that clients come from all walks of life and have different needs for information and help. I tailor my work and my skills to you and your needs. My goal is that you will be educated, involved, and ultimately empowered to make solid financial decisions that will work well for you and your family, now and for many years to come. Rochester is very lucky to have collaborative law as a choice for separating couples. The group of professionals involved are all very committed to the process and working with one another to bring the best possible outcome to individuals and their families. I am proud to be a part of this group.