Wealth Management


Cetera Advisor Networks LLC at The Dime Bank Wealth Management division offers one-stop wealth management services, capable of delivering a full slate of professional brokerage products and services, as well as our exceptional, traditional yet innovative, banking services. To discuss how we may help you reach your financial goals, please call 570-253-8745 or visit us at our Lake Region Office at 99 Welwood Avenue (Route 6), Hawley. As a full service brokerage operation, the Wealth Management Division at The Dime Bank provides both individuals and businesses with a full array of financial products including:

Retirement Savings Plans

We offer a full range of retirement products and services including Traditional, Roth, SEP & SIMPLE IRAs; 401Ks; Defined Benefit and Profit Sharing Plans.

Insurance Products*

Variable and Fixed Annuities; Term, Universal and Whole Life Insurance; Long Term Care Insurance; Buy-Sell Agreement Insurance and Life Insurance Trusts.

Mutual Funds*

Extensive selection offered with no proprietary emphasis, allowing the selection to be without bias and specific to the needs of the customer.

Educational Savings Plans

We offer the full array of 529 and Coverdell Educational Savings Plans.

Stocks and Bonds*

Complete, independent brokerage service for individual stock and bond purchases.

Money Management*

A broad selection of professional, independent money managers covering all asset classes and styles.

Advisory Services*

Stocks, bonds, mutual funds, and ETF accounts for a simple annual fee with no transaction costs.

Financial and Estate Planning Services*

Individualized financial and estate planning services partnered with professional, independent attorney and accounting firms specializing in estate and financial planning arenas.
If you prefer, we will also work with your attorney and/or accountant to deliver this important service.

Trust Services Offered Through The Dime Bank Trust Department

The Dime Bank offers full trust services to meet any and all trust needs. Individuals and families create trusts for gifting and protecting assets, to avoid taxation, distribute income and provide privacy. The Dime Bank can also act as executor or personal representative to simplify the estate settlement processes.

* Securities and advisory services are offered through Cetera Advisor Networks LLC, member FINRA/SIPC. Advisory services may only be offered by Investment Advisor Representatives in connection with an appropriate Cetera Advisor Networks LLC advisory services agreement and Disclosure Brochure (Form ADV Part II A), as provided. Not all services are available at all locations.

Securities, advisory services, and other investment products offered through Cetera Advisor a securities broker dealer, a licensed insurance agency. The Dime Bank and Cetera Advisor Networks LLC are not affiliated. Cetera is under separate ownership from any other named entity.

NOT A DEPOSIT, NOT FDIC INSURED, NO BANK GUARANTEE, NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY, MAY LOSE VALUE.

Meet our Wealth Management Team…

Joseph AdamsJoseph W. Adams
Vice President Wealth Management
adamsj@ceteranetworks.com

Joe has over 26 years of financial experience in commercial banking, brokerage, and public funds management. Joe has two degrees from the University of Scranton: a Masters of Business Administration in Accounting and Finance where he graduated with honors and a Bachelor of Science in Economics and Finance where he attained Magna Cum Laude status. Additionally, Joe is a graduate of the Pace University Certified Financial Planning Program. He is a registered representative of Cetera Advisor Networks LLC and is Life Insurance licensed. Joe’s civic activities include membership on the Human Resource Center Board, Pocono Lake Region Chamber of Commerce Board, Lacawac Sanctuary, Dorflinger-Suydam Wildlife Sanctuary, as well as his extensive involvement in community youth sports.

 

 


 

James GardasJames M. Gardas  
Investment Adviser Representative
gardasj@ceteranetworks.com

Jim has over four years of experience in the financial services and investment management arena. His                uncompromising service standard, coupled with his education and work ethic, are invaluable in servicing           The Dime Bank's investment clients. Jim graduated from Charleston Southern University, Summa Cum Laude, where he earned a Bachelor of Science with a double major in Business Administration & Mathematics. Jim is a registered representative of Cetera Advisor Networks LLC and is Life, Accident, and Health Insurance licensed. Jim's civic duties include membership on the Lackawanna College Scholarship Committee, Pocono Lake Region Chamber of Commerce Board, and volunteer coach for community youth sports.

 

 


 

George CobbGeorge J. Cobb
Registered Representative
cobbg@ceteranetworks.com

George has over 30 years of experience in the financial services, investment, and insurance arenas. He worked for a former community bank in the local area as a registered representative and officer. He brings his strong interpersonal skills, which have earned the trust and credibility with his clients to The Dime Bank. George graduated from East Stroudsburg University. He is a registered representative with Cetera Advisor Networks LLC and is Life, Accident, and Health Insurance licensed. George’s civic duties include membership with the Greater Carbondale Chamber of Commerce.

 

 


 

Cynthia A. GallowayCynthia A. Galloway
Wealth Management Administrative Specialist
gallowayc@ceteranetworks.com

With 21 years experience in the financial services industry at The Dime Bank, you can count on receiving professional, efficient, and courteous service from Cindy while she assists you and your wealth management representative. Cindy is a registered representative of Cetera Advisor Networks LLC and is Life, Accident, and Health Insurance licensed. She earned an Associates Degree in Science, Banking and Finance from Lackawanna College. Additionally, she has completed a Trust and Investment Management Certificate through the Pennsylvania Bankers Association.

 

 


 

Christine M. AnglandChristine M. Angland
Wealth Management Administrative Representative
anglandc@ceteranetworks.com

With over 15 years of experience in administration, marketing, training, management, sales, and education, Christine will ensure that your business needs are addressed. Christine holds a Master of Science degree in Communications from Ithaca College and graduated Magna Cum Laude from the State University of New York at Plattsburgh with a Bachelor of Arts degree in Communications and a minor in Business. Christine is active in numerous youth sports organizations in the community.

 

 


 

Securities, advisory services, and other investment products offered through Cetera Advisor a securities broker dealer, a licensed insurance agency. The Dime Bank and Cetera Advisor Networks LLC are not affiliated. Cetera is under separate ownership from any other named entity.

NOT A DEPOSIT, NOT FDIC INSURED, NO BANK GUARANTEE, NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY, MAY LOSE VALUE.

Member FDIC | Equal Housing Lender

 

 

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