About Us

Our Associates

Scott N. Zambelli LUTCF, ChFC, Financial Professional, Managing Partner

  • Registered Representative
  • Deliver The Promise Specialist: A specially trained professional who assists families and addresses many of the issues associated with the loss of a loved one.
  • Special Needs Planner
  • Presidents Conference Qualifier

Scott has been in the financial services industry for over 30 years. Scott offers his clients comprehensive financial, estate and elder care strategies. His alliances with his professional partners in accounting and estate/elder care offer clients a holistic approach in a seamless process. Scott participates in many special programs dedicated to assisting clients. Scott sits on the Executive Board of Directors for Suffolk County Police Athletic League, and is a Chartered Financial Consultant.  

CA Insurance Lic# 0L33945


Frederick J. Azzurro MSFS, LUTCF, Financial Professional, Managing Partner

  • Master of Science in Financial Services (MSFS)
  • Life Underwriter Training Council (LUTCF) Member
  • Special Needs Planner
  • Leaders Conference Qualifier
  • Equitable Advisors
  • Financial Professional
  • Registered Representative

Frederick graduated Cum Laude from Marist College in Poughkeepsie, NY with a Bachelor of Science in International Business and Economics. He also graduated from the London School of Economics in 2006. Frederick began his career in 2007 and attained his LUTCF designation in 2011.  In 2016 he graduated from the American College with a Master of Science in Financial Services.  Frederick is an Investment Adviser Representative and a Special Needs Planner.


Michael Butensky CLU®, ChFC®, CFP®, RICP®, CLF®, Financial Professional, Managing Partner

Michael was welcomed to Heritage Harbor Financial Associates after 30 years in the financial services industry.  He has held various positions including Sales Manager, Field Training Consultant, Branch Manager, Managing Director, and Senior Partner. Prior to entering the financial services industry, Michael obtained a BA from Binghamton University and an MBA from Baruch College. Michael has attained several industry designations, including the prestigious CFP designation.  Michael now focuses on using his extensive financial knowledge and industry experience to help attract, develop, and train a new generation of successful financial advisors.


Jim Altebrando, Financial Services Representative

  • Retirement and Pension Planning
  • Tax Strategies to Help Business Owners and Key Employees
  • Business and Estate Planning Strategies
  • Investment and Asset Allocation
  • Life and Disability Planning
  • Series 7, 63, 65 

Jim joined Heritage Financial Associates and Equitable Advisors after owning a local business for 26 years. As the owner of Printing Spectrum located in East Setauket, he managed over 65 employees in New York and Texas and became an industry leader in the visual communications and advertising. In 2012 Jim sold his company and used his extensive knowledge and background to transition into providing financial planning. With a Bachelor of Science and Masters in Finance and Economics Jim is dedicated to helping his clients articulate and realize their financial goals. 

Jim is on the board of Hope House Ministries and is a Melvin Jones Recipient for the Port Jefferson Lions Club. 


    Amanda Gonzalez, Financial Professional

Amanda graduated from Stony Brook University with a Bachelor of Science in Business Management and a minor in Political Science. After graduating she obtained her Series 7 & Series 63. Amanda is now an intricate member of Heritage Harbor Financial Associates and Equitable Advisors as a Financial Professional.  With Amanda's strong versatile knowledge of various products and services along with experience she will help you to meet your financial goals, estate strategies and insurance needs.





       Anthony Italiano, Financial Professional

Anthony began his career with Equitable Advisors in 2015 in the Woodbury office. In 2016, he joined our team at Heritage Harbor Financial Associates. Anthony is a graduate of Stony Brook University, where he played Division I baseball. His accomplishments in his athletic career include, 2012 Miami Hurricanes Regional Champion, 2012 LSU Super Regional Champion, 2012 Division I College World Series participant. Since hanging up the cleats, Anthony has put his motivated, team attitude towards the financial services industry. Familiar with the many challenges that young families face, Anthony focuses his practice on helping these families establish strong financial foundations. Anthony resides in Long Beach, NY.






Dickran Kabarajian CLU,LUTCF  Dickran Kabarajian CLU, LUTCF, Financial Professional

Dickran is an experienced successful advisor with over 24 years of experience. He works with most forms of insurance tailored to Small Business Owners and High Net Worth Professionals. Dickran focus on Group Benefits, Wealth Preservation and Financial Advice providing our clients with creative, specific, individualized protection and/or benefits while taking advantage of all tax savings opportunities. Every project is created with a focus on value and matching our client with the best product for his/her needs.



John Dinkelmeyer       John Dinkelmeyer, Financial Professional

John started his career in financial services at NY Life in 2014 before joining Heritage Harbor Financial Associates in January of 2018.  While he works with clients on all aspects of their financial and insurance needs, he specializes in Pension Maximization.  He works closely with the Southampton Town Police and Suffolk County Court Officers.  John focuses on building relationships and helping clients map out the financial aspects of their lives.

John graduated Cum Laude from Charleston Southern University in 2006 and in 2010 earned his Masters from Norwich University.  In giving back to the community, he is active in local politics in Southampton Town and runs a number of local athletics teams.

Tracy Young, Financial Consultant

Tracy joined Heritage Harbor in 2017.  Previously, she was Director of Operations for Metropolitan Capital Advisors, a hedge fund in NYC, where she spent 20 years trading U.S. and international equities and options, performing portfolio analysis and managing back office operations. She earned her MBA from Fordham University and her BS in accounting at the University of Scranton. 

Tracy is active in her community serving on the board of the Port Washington Children's Center and coaching girls youth volleyball. 


Stacey Roser, Operations Manager

Stacey oversees daily operations and is responsible for the majority of client communications. Stacey works closely with the team to help insure they deliver the degree of personalized service they promise to each of their valued clients. 

Equitable Advisors is the brand name of AXA Advisors, LLC (Member FINRA, SIPC)

California Insurance License #: 0L33945

Securities offered through AXA Advisors, LLC (212-314-4600), member FINRA/SIPC. Investment advisory products and services offered through AXA Advisors, LLC, an investment advisor registered with the SEC. Annuity and insurance products offered through AXA Network, LLC and its insurance agency subsidiaries. AXA Network, LLC does business in California as AXA Network Insurance Agency of California, LLC and, in Utah, AXA Network Insurance Agency of Utah, LLC. AXA Advisors and its affiliates do not provide tax or legal advice. Individuals may transact business and/or respond to inquiries only in state(s) in which they are properly registered and/or licensed. The information in this web site is not investment or securities advice and does not constitute an offer.

Heritage Harbor Financial Associates is not owned or operated by Equitable Advisors or Equitable Network. Equitable Advisors and Equitable Network are brand names for AXA Advisors, LLC and AXA Network, LLC, respectively.

Equitable Holdings, Inc. is a publicly traded corporation, and its subsidiaries are currently using trademarks including the "AXA" name, AXA logo and associated trademarks of AXA SA under license.

Link to equitable.com

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