18 Liberty Square Mall Stony Point, NY 10980

Meet Your Planning Team


Matthew S. Clement, CFP®, AIF®

Owner, President, Lead Planner/Advisor

Matthew Clement is President and Lead Financial Planner at Emerald Retirement Planning Group, Inc. He works with individuals, families and small business owners throughout the United States. Matthew’s commitment to this profession is driven by his desire to make a meaningful difference in the lives of his clients. This is exemplified by Emerald’s mission statement, which is “to create life enhancing financial independence for our clients through improved perspective, improved behavior, and improved results.”

Matthew is a Certified Financial Planner™ in good standing with the CFP Board of Standards, and is an active member of the Financial Planning Association. Matthew is also an Accredited Investment Fiduciary® having earned the AIF® Designation from the Center for Fiduciary Studies.

He is proud to serve as Dave Ramsey’s SmartVestor Pro for the New York area and has been working with the program since 2010.

Matthew started Emerald Retirement Planning in 2004images and has more than fifteen years of experience in the areas of financial planning and retirement planning. He believes that the behavioral aspects of long-term planning will always be the primary determinants of the success of his clients, and therefore spends his time helping families with the areas of finance they can actually control. This focus makes him unique among the profession.

He holds a B.S. in Business and Finance from Fordham University Rose Hill and has a Certificate in Financial Planning from Fordham Lincoln Center.

Professional Licenses and Registrations: FINRA SIE, Series 7, Series 66, Series 24, Registered Principal, Investment Adviser Representative, and Registered Representative.

Personal Background: Matthew is a Christian and a dedicated husband and father. He is also proud to be an American and therefore enthusiastically supports liberty and capitalism. His interests include philosophy, behavioral finance, economic history, and human development. He is also a novice jogger and a lifelong New York Mets fan. He grew up in North Rockland and currently lives in Tomkins Cove with his wife Gail and sons Andrew (5) and Colin (1), for whom 14,359 additional photos are available upon request.

Contact Details: or (845) 942-8578.


Nicholas Hernandez

Associate Advisor

Nicholas (Nick) Hernandez joined our team in September 2020 as an associate advisor. Prior to joining Emerald, he had interned at several other wealth management companies, learning the basics of the profession, as well as delivery of service, at several levels.

He graduated with a bachelor’s in Economics from the University of Michigan in 2020.

While new in the industry, Nicholas images has a firm belief that everyone can and should benefit from a financial advisor. With a focus on lifetime financial planning, he is here to guide you through inevitable market swings, information overload from biased media outlets, and everything else that only serves to distract you from achieving financial peace.

Personal Background: Nicholas is a sports junkie that especially enjoys his NY teams and being let down by the Michigan football team. He enjoys playing basketball and poker with his friend group, and they always try to squeeze in a weekly album listening session. Nicholas currently lives in Stony Point and has lived there his entire life.

Contact Details: or (845) 942-8578.


Lisa Scolaro

Client Service Specialist & Executive Assistant to the President

Lisa joined our team in 2014 as Matthew’s primary support person. Her importance to our company has increased every year since. Today her responsibilities include speaking with clients by phone, scheduling appointments, opening and updating accounts, managing online account access, daily organizational support, and ensuring consistent delivery of services to our clients. Lisa’s diverse skills contribute materially to our overall effectiveness.

Lisa graduated from the State University of New York at Albany. Prior to her position here, she was a Relationship Manager for 12 years at Computershare, Inc. (formerly BNY Mellon). She received the BNY Mellon Spotlight on Success Award for recognition of leadership, innovation, and collaborative efforts.

Lisa believes that being flexible,images focused and detail oriented leads to a superior client experience. She develops and sustains a level of professionalism among staff and clientele. Lisa is committed to helping Emerald Retirement Planning continue to build its reputation as a leader in the financial planning profession.

Personal Background: Lisa plays a very active role within the community as a Girl Scout troop leader, as an active volunteer at St. Gregory Barbarigo Parish and with her children’s school. She currently lives in North Rockland with her husband Chris and three daughters. Lisa enjoys watching her family play basketball and softball throughout the year!

Contact Details: or (845) 942-8578.


Melissa Harm

Client Service Specialist, New Client Engagement

Melissa Harm joined our team in August 2020 as a Client Service Specialist. She came to us with a strong background in marketing, a client-focused mindset, and an energy you are likely to find contagious. Melissa works primarily in coordinating our client communications and in helping new clients navigate the early stages of our planning services.

Melissa studied at St. Thomas Aquinas College and holds a B.S. in Marketing with a Minor in International Business, as well as an MBA. She worked 15 years in theimages Hospitality and Tourism Industry where she has a wealth of experience in Strategic Partnership Marketing.

Personal Background: Melissa currently resides in Stony Point with her husband and three daughters. She is passionate about volunteering in all aspects of her daughter’s lives – from school, to church, to travel sports! She has recently completed two NYC Marathons and has a passion for running. She also loves to travel with her family, some of her favorite destinations being Bora Bora, Ireland, Hawaii, and Antigua!

Contact Details: or (845) 942-8578.


Michele Horton

Insurance and Medicare Services Coordinator

Michele is the Executive Assistant to Mark, our insurance specialist. She works with Mark to prepare for presentations, workshops and exhibitions. In addition, she also manages scheduling for the business calendar, accounting, marketing and assists with client paperwork for all of Emerald’s insurance clients.

She believes a bright attitude, positive outlook, compassion and understanding is what makes our client service so unique and special. It is her number one priority every day!

Michele comes to us with over 20images years of administrative and accounting background. She also has over 7 years experience in Medical Billing and has recently completed her Certified Professional Coder exam. She is skilled at working with doctors and seniors with their Medicare billing issues.

Personal Background: Michele is proudly an active member of the Stony Point Elementary School PTA previously as Treasurer and now as President. In her spare time she enjoys gardening, local history and cooking. She currently resides in Tomkins Cove with her husband and two children.

Contact Details: or (845) 942-8578 Extension 3.


Mark Brownstein, CSA

Director of Medicare & Risk Management

Mark is our resident Insurance and Medicare specialist. He is a trusted independent and dedicated provider of comprehensive and competitive Medicare solutions. Mark has extensive experience working with individuals, CPA’s, tax professionals and Financial Planners to implement Medicare solutions to meet clients’ changing needs. He has received industry recognition as a highly energetic leader who is both committed to the highest fiduciary standards and to service quality. Mark has provided Medicare solutions for over 500 clients and conducted educational workshops for over 2,000 clients, advisors and CPA’s.

He provides solutions in NY, NJ, CT, and FL. Mark is also a CSA (Certified Senior Advisor). As an elder advocate, he helps improve many facets of senior’s and their adult children’s lives by delivering practical strategies and solutions to help them better deal with the challenges of eldercare.

Mark’s passion is working with Seniors, as well as Veterans, by providing insight and educating them a topic that has value and is valued. His career moves has taken him through this rewarding journey where Medicare is his way to give back and help others every day.

“It has been a joy to build this Medicare business along with my team atimages Emerald where we have fun, work hard and support each other which allows for me to do what I do best. I care that my clients understand their decision and can reach out to my office as they need to know more to make informed decisions. I enjoy the teaching, I enjoying hearing my clients stories, both the good and the struggles. I am a passionate listener and a compassionate soul, always learning and considering what is in their best interests”

Personal Background: Mark is very involved in his community and is an active board member on various local organizations. He conducts many area workshops and public speaking events providing unbiased information and resources to the attendees and their families. He enjoys playing tennis, swimming and spending time with family. Mark was born and raised in Brooklyn, NY, worked and travel out West for 12 years and has been a Rockland resident for over 25 years. He is a graduate of SUNY Binghamton School of Management. Mark lives in Nyack, NY with his wife and son.

Contact Details: or (845) 942-8578 Extension 3.