Our Qualifications

The Chartered Retirement Planning Counselor® certificate was awarded by the College for Financial Planning in 2009 that contained courses centered around retirement planning. 
The Certified in Long-Term Care designation was received from the Corporation For Long-Term Care in 2003 and included classes on the effects of living a long life on family and friends.
The Certified Financial Planner® designation was conferred by Adelphi University in 1982 and included courses on investment alternatives, management of income and taxation, insurance risk and management, and client counseling.
The Certified Senior Advisor designation was received from the Society of Certified Senior Advisors in 1999. The coursework for this designation includes classes in many areas of specific concern to seniors.
The Master of Business Administration degree was received from St. John's University in 1975.
The Bachelor of Arts degree in Psychology was earned from St. John's University in 1970.
Registered Representative of American Portfolios Financial Services, Inc., main office at 4250 Veterans Memorial Hwy., Holbrook, NY 11741 since 2002. Registered Representative with Nathan & Lewis Securities, Inc., from 1985 to 2002.  Registered Representative of First Investors Corporation from 1977 to 1985.

The Charted Alternative Investment Analyst certificate was awarded in 2016 that included instruction on the fundamentals of alternative investments.

The Certified Financial Planner® designation was conferred by the CFP Board of Standards in 2012, and included courses in estate, retirement, investment and income tax planning, and insurance and risk management.

The Chartered Retirement Planning Counselor® certificate was awarded by the College for Financial Planning in 2009 that centered on retirement planning.

The Master of Business Administration degree was received summa cum laude from Molloy College in 2009, with a major in personal financial planning.

The Bachelor of Arts degree was earned magna cum laude from Quinnipiac University in 2005, with a split major in entrepreneurship and small business management, and a minor in psychology.

Registered Representative of American Portfolios Financial Services, Inc. since 2018, main office at 4250 Veterans Memorial Hwy., Holbrook, NY 11741. Senior VP at Cantor Fitzgerald from 2016 to 2018 specializing in public and private real estate programs, including 1031 exchanges and Delaware Statutory Trusts. Regional VP of Realty Capital Securities whose specialty was public and private real estate investment and credit lending programs, and other alternative investments. Regional Advisor Consultant at Oppenheimer funds from 2008 to 2011, analyzing mutual fund portfolios and consulting with financial advisors. Associate Agent with Nationwide Insurance servicing clients with auto, home and life insurance policies.

The Associate in Applied Science degree was received from Queensborough Community College in 1972. Attended St. John's University from 1972-1976.

Branch Manager and Registered Representative of American Portfolios Financial Services, Inc., since 2002. Registered Representative of Nathan & Lewis Securities, Inc., from 1995 to 2002. Client Service Representative for U.S. Trust Company of NY on Wall Street from 1969-1979. Among her duties were analyzing portfolios and generating reports for clients with assets over one million dollars.

Tom Ziniti, Steve's father, retired from daily participation in our business in 2001, after almost 50 years of service in the financial services industry. It all started in 1952, when he began his career selling mutual funds and life insurance as a Registered Representative for First Investors Corporation. During his long career, he also held his securities license with Nathan & Lewis Securities, Inc. and finally with American Portfolios Financial Services, Inc.
Tom earned the Certified Financial Planner® designation in 1982 from Adelphi University. In addition to running his own practice, he was a consultant for MAP Estate Planning from 1977 until his passing on May 3, 2008 at the age of 86. He exemplified the qualities of integrity, reliability and commitment in all aspects of his life. He taught us that financial planning is more about people than it is about finances.  His experience and the knowledge he shared, guided us, and continues to inspire us to be the best we can be.
We owe much gratitude to Tom for closely coaching Steve in his early years in the business, and his wisdom remains in our hearts. We would not be the financial planners we are today without his example. Steve's father's and mother's maxims were to "be true to yourself," and "say what you mean and mean what you say."
Someday, Steve will see his dad again, and they'll both remember how they were father and son here on earth. And they'll smile, laugh and be happy with God forever.