Bill Del-Sette is a retirement-focused Certified Financial Planner® and Registered Life Planner® with over 28 years of experience dedicated to helping people turn their wealth into a life they genuinely love. Rather than viewing financial planning as just numbers, markets, and spreadsheets, Bill approaches it as a tool for creating a future worth living for. By combining disciplined investment and income planning with conversations about purpose and happiness, he guides clients from “Am I ready to retire?” to “I’m excited to live it.”

Known for his calm, conversational style, Bill simplifies complex topics and teaches clients to focus on what they can control. Once he has helped clients create a gameplan for a life they love, the rest of the Del-Sette Capital Nerds run the numbers, creating sustainable retirement income, coordinating estate and legacy goals, or preparing for a client’s life’s unexpected turns. Bill’s goal is always the same: to give clients the confidence to spend their time and money on what truly matters to them.

Bill’s educational and professional achievements include:

Earning the Certified Financial Planner® designation in 2004,

Earning the Registered Life Planner® designation in 2024,

Passing the Certified Public Accountant® exam in 1996

Earning dual Bachelor of Science degrees Magna Cum Laude in Accounting and Economics in 1996 from Albany State University

Participating in numerous positive psychology and leadership courses including The Harvard Medical School course on Building a Life of Wellness and the Forever Dangerous course on using Flow to create a life you love.

Bill eats what he cooks, living a life he loves, traveling, Cross-fitting, and podcasting about Happiness in Retirement®. He is most proud of building Del-Sette Capital Management, where he works as Life Planner and Investment manager. He also developed the Happiness in Retirement® program, which has helped numerous families grow, protect, and enjoy their wealth.

With more than 18 years of experience in wealth management and financial planning, Ann Arceo brings deep technical expertise, strategic insight, and a passion for helping families make confident financial decisions.

Ann began her career while attending college, working at a comprehensive wealth management firm in Houston, Texas. It was there that she developed a love for the financial planning process—helping clients align their financial resources with their goals and values. After earning her bachelor’s degree in Business Management from the University of Houston–Victoria, she continued building her expertise in investment management and long-term financial strategy.

Ann went on to work with LPL Financial, one of the nation’s largest independent broker-dealers, where she earned her Series 7 and 66 securities licenses. In her role, she was actively involved in portfolio structure and management, financial plan development, performance reporting, and client strategy implementation. Working closely with firm leadership, she developed a strong foundation in both the technical and relational aspects of advisory work.

Driven by an entrepreneurial spirit, Ann later founded her own Registered Investment Advisory firm, where she provided outsourced financial planning services to independent advisors. She specialized in helping growing firms implement planning systems, streamline processes, and elevate the client experience—allowing advisors to operate more efficiently while delivering deeper value to their clients.

Ann serves as the Director of Financial Planning and a Principal at Del-Sette Capital Management, where she partners with clients to design comprehensive retirement and investment strategies.

Ann and her family split their time between New York and New Mexico. She and her husband have two children and enjoy traveling and building their own financial future together.

Hi! My name is Brianna and I am from Connecticut. I graduated magna cum laude from Colorado State University with a B.S. in Finance with a specialization in Financial Planning. During my time at CSU, I gained professional experience as a tax preparer preparing individual and business returns. The commitment of Del-Sette Capital Management to their clients’ success is something I admire and hope to build upon. In my free time, you can find me with my dogs, usually on a hike or learning a new trick! I look forward to sharing my expertise and work in harmony to reach your highest goals!

Jeremy is a Portfolio Manager specializing in portfolio construction, strategic asset allocation, & risk management. He began his financial career as an analyst at Goldman Sachs – advising clients on comprehensive wealth strategies & presenting seminars on investment management. He advanced to Associate, earning the firm’s Associate of the Year Award. He joined the Portfolio Management Group, focusing on disciplined portfolio construction, risk oversight, & long-term asset allocation.

Jeremy earned his MBA from Clarkson University (formerly Union Graduate College), & his BA from Brandeis University, developing a foundation in analytical thinking, valuation, & financial strategy. Jeremy serves his local community as an emergency medical technician – where he was honored as EMS Person of the Year. Outside of work, he enjoys indoor rock climbing, long-distance cycling, & spending time with his nieces & nephew. He is a lifelong science fiction & fantasy enthusiast. He particularly enjoys Star Trek, Star Wars, Doctor Who, & The Lord of the Rings – stories that reflect patience, strategic thinking, & resilience – qualities he brings to his work with clients.

Dana is an Enrolled Agent, allowing her to represent clients with IRS inquires and audits. She has more than 20 years of tax experience in all areas of tax, including individual, small business, trust, and estate taxation. Before joining Del‑Sette Capital Management, she spent 24 years working for an estate and elder‑law attorney, where she assisted clients in Medicaid and asset protection planning. She analyzed financial portfolios to support estate and long‑term care planning, and managed all aspects of estate and trust administration.  Always having an interest in tax, she earned her Enrolled Agent license in 2015, and started her own tax firm where she provided year-round, comprehensive tax services to clients ensuring not only that their tax returns were prepared accurately but that clients understand their financial future.

Dana holds a bachelor’s degree in accounting, graduating Summa Cum Laude from Post University in Waterbury, Connecticut. A lifelong Connecticut resident, she lives in Oakville, with her daughter, three dogs, and a cat.  In her spare time, she enjoys spending time with her family and friends. She looks forward to starting this next chapter of her career at Del-Sette Capital Management sharing her expertise and broadening her investment and retirement knowledge.

Danielle joined Del-Sette as the office manager. She helps to maintain the office located in the beautiful mansion district of Union Street, Schenectady. She provides administrative support to the team and helps keep the office running smoothly.

Danielle has 8 years of experience in healthcare administration and 13 years of experience in professional liability insurance. She has a BS in Healthcare Administration.

When she is not working, Danielle enjoys spending time with her family, friends, and dogs. She enjoys traveling and volunteers at a horse sanctuary. Danielle lives in Schenectady County with her husband and children.

Dustin began his career in biotechnology, where he spent close to 15 years manufacturing cellular and gene therapies.  Highlights during his time in biotechnology include playing a key role in the launch of successful clinical and commercial manufacturing facilities in California, Georgia, and Washington.

 In 2024, Dustin decided it was time for a career change into personal financial planning. He has a strong desire to make an impact in people's lives that is in alignment with his strengths in mathematics and finance.

 Since obtaining his bachelor's degree in financial planning in the beginning of 2025, he completed an externship and an internship.  After joining Del-Sette, he obtained his Series 65 license in December of 2025.

 When he is not working, he enjoys travelling, hiking, and doing activities with his wife and two children.

 He is thrilled to be a member of the Del-Sette team and he looks forward to serving our clients in support of their financial goals and aspirations.

Glen is a CERTIFIED FINANCIAL PLANNER™ and a Siena College graduate. A lifelong resident of the Capital District, he resides in Rotterdam Junction with his wife Fran.

Glen specializes in investment planning and retirement planning. He will be using his nearly 20 years of industry experience to assist our team in various capacities.

Glen enjoys sports and friends and family. He is an active member of his local faith community, and has done volunteer work for the Schenectady City Mission.

Jennifer is a part of our client service team, she assists clients in the onboarding process and collects all pertinent documents. She grew up in Oneonta, NY and graduated from Paul Smith’s College with a degree in travel/tourism.

Jennifer currently lives in Kingshill in the Virgin Islands with her husband Tony and son Arlo. Prior to Del-Sette Capital, Jennifer worked as a customer service and sales representative for Verizon for 11 years, winning many awards and trips for her dedication and sales.

When she is not working she is the readiness coordinator for her husband’s military unit. Jennifer enjoys nature, traveling with her family, volunteering with military families and animals.

Buddy has been a crucial part of the team for more than 14 years. From a humble beginning in a shelter, he went on to be the Del-Sette mascot. While on the job, he checks in on team members, greets clients, saves the team from being murdered by the mailman, and serves as an emotional support Dog when the market turns volatile. When he's not working, he likes to hunt for morsels in office garbage cans and lunch bags, sit on the back porch in the sunlight, and take naps next to his human.