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Travis Maus, AIFA®

Managing Partner & Wealth Manager

Travis Maus is the managing partner of S.E.E.D. Planning Group, LLC. In 2018 he earned the Accredited Investment Fiduciary Analyst® (AIFA®) designation from the Center for Fiduciary Studies®, the standards-setting body for Fi360. The AIFA designation signifies the ability to perform fiduciary assessments measuring how well investment fiduciaries are fulfilling their duties to a defined standard of care. As an Accredited Investment Fiduciary Analyst® (AIFA®) designee, he has received specialized training in both prudent investment processes and assessment principals with a primary skill of performing assessments of an Investment Steward’s, Investment Advisor’s, or Investment Manager’s conformance to a Global Fiduciary Standard of Excellence. As a Wealth Manager, he is also a member of the firm’s Financial Planning team where he provides coordinated and strategic financial planning and investment services to families and small businesses.

Entering the financial services industry in 2005, Travis quickly worked his way from entry-level account executive to Branch Manager of HSBC Finance (then known as HFC/Beneficial). He joined AXA Advisors, LLC in 2007 with a desire to broaden his capabilities to help people achieve financial independence. Travis again worked his way from entry level Financial Professional to Vice President achieving many industry and company awards along the way including MDRT (Million Dollar Round Table). While at AXA, Travis attended the Wharton School of the University of Pennsylvania where he earned a Retirement Planning Specialist designation.

Travis founded S.E.E.D. Financial Strategies, LLC (the precursor to S.E.E.D. Planning Group, LLC) while at AXA to establish a practice with an expectation of consistent service. S.E.E.D. is the acronym for what those expectations represent. Stimulating thought, Exceptional service, Ethical advice, and the Duty of care.

In 2013, S.E.E.D. Planning Group, LLC was formed and in July of that year, S.E.E.D. left AXA to establish an independent firm that has become a fee-only financial planning and investment fiduciary.

Ryan Berkeley, AIF®, APMA®

Partner, Chief Financial Officer & Wealth Manager

Ryan Berkeley fills both management and planning roles within the firm. He is a partner of S.E.E.D. Planning Group, LLC and the firm’s Chief Financial Officer. Ryan is also a member of the firm’s Financial Planning team where he provides coordinated and strategic financial planning and investment fiduciary services to families and small businesses. Ryan presents the benefits of financial planning to professional, employee, and small business groups throughout the region.

Entering the financial services industry in 2011 under the tutelage of Travis Maus, Ryan started his career at AXA Advisors, LLC. With an unequivocal passion to become a student of personal finance and to help others improve their position through education, Ryan quickly became recognized for his efforts as a financial professional, receiving numerous accolades. His work ethic and desire to help others moved him into the leadership training program at AXA. However, the opportunity to work alongside Travis Maus to form S.E.E.D. Financial Strategies, LLC (formerly a complementary insurance company to S.E.E.D. Planning Group, LLC) and S.E.E.D. Planning Group, LLC interrupted the opportunity at AXA in favor of creating an independent, fee-based financial planning practice.

Ryan holds the Accredited Portfolio Management AdvisorSM, APMA® designation through the College for Financial Planning, designed to educate advisors on the finer points of portfolio creation, augmentation, and maintenance. Topics covered include client assessment and suitability, risk/return, investment objectives, bond and equity portfolios, modern portfolio theory, investor psychology, and other topics germane to building appropriate client portfolios, as well as analyzing investment policy statements, building portfolios, and making asset allocation decisions, to include determining sell, hold, and buy decisions within a client’s portfolio.

Additionally, Ryan holds the Accredited Investment Fiduciary® (AIF®) designation from the Center for Fiduciary Studies®, the standards-setting body for Fi360. The AIF designation signifies specialized knowledge of fiduciary responsibility and the ability to implement policies and procedures that meet a defined standard of care. On an ongoing basis, completion of continuing education and adherence to the Code of Ethics and Conduct Standards are required to maintain the AIF® designation.

Ryan has been recognized for his efforts both professionally and for community leadership. While at AXA, Ryan was a National Leader Core qualifier, received a Gold Pinnacle Award for outstanding growth, and was recognized as the top producer in his class for the entire Central New York branch in 2012. Ryan was recognized by the Southern Tier Opportunity Coalition with a “20 in their Twenties Award” in 2013. In 2015, Ryan graduated from the Broome Leadership Institute, a community leadership training program for business professionals sponsored by the Greater Binghamton Chamber of Commerce.

Outside of the office and in the community, Ryan is an active member of the Hillcrest Rotary where he currently serves on the Board. Ryan has graduated from the Rotary Leadership Institute training and received “Rotarian of the Month” recognition from Rotary District 7170. He has also received the Hillcrest Rotary’s “Rotarian of the Year” award. Additionally, he serves as a member of the Town of Colesville Planning Board. He lives in Colesville with his wife and two children.

Fred Costantino, JR. , CFP®, AIF®, CPM®, CRPC®

Partner, Chief Investment Officer & Wealth Manager

Frederick (Fred) Costantino JR., CFP®, CPM®, CRPC® joined S.E.E.D. after acquiring 18 years of financial planning and investment experience at Raymond James, Wells Fargo, and most recently Morgan Stanley. Fred is a long time resident of Broome County, and he earned his BA in Economics from Binghamton University.

Fred holds three highly regarded designations including the CFP®(Certified Financial Planner™), which identifies those individuals who have met the experience and ethical requirements, have successfully completed financial planning coursework and have passed the CFP® Certification Examination covering financial planning, risk management, investments, tax planning and management, retirement and employee benefits, and estate planning.

He holds the CPM® (Certified Portfolio Manager™) designation which is administered by a collaboration of the Academy of Certified Portfolio Managers and Columbia University. This designation’s academic training is designed to provide a deeper understanding of fundamental security analysis, asset allocation, and portfolio management concepts for financial services industry professionals who manage discretionary portfolios. The curriculum encompasses eight core concepts including quantitative methods, financial statement analysis, corporate finance, fixed income analysis, equity analysis, fiduciary responsibility, derivatives, and portfolio management.

Fred also holds the CRPC® (Chartered Retirement Planning Counselor™) designation. He has completed coursework and study encompassing pre- and post-retirement needs, asset management, estate planning, and the entire retirement planning process.

At S.E.E.D. Fred fills the role of a Wealth Manager, an integral part of our financial planning team, while helping to provide valuable financial planning services to our clients.

Fred also serves as S.E.E.D.’s Chief Investment Officer.
In this role, Fred provides guidance and technical know-how to S.E.E.D.’s investment committee as he leads S.E.E.D.’s Fiduciary Investment services by designing, implementing, and managing our prudent investment processes and programs.

Amy Michaels, CFP®, AIF®

Partner & Financial Planner

Amy started at S.E.E.D. in 2014 and is a partner and financial planner with the firm. Her position has evolved over the years and in her current role she manages the Sprout division which focuses on financial planning for young professionals.

Amy graduated from Binghamton University with a Bachelor of Science in Financial Economics.

She holds her CFP® (CERTIFIED FINANCIAL PLANNER™) designation, which identifies those individuals who have met the experience and ethical requirements, have successfully completed financial planning coursework and have passed the CFP® Certification Examination covering financial planning, risk management, investments, tax planning and management, retirement and employee benefits, and estate planning.

Amy also holds her AIF® (Accredited Investment Fiduciary) designation which signifies specialized knowledge of fiduciary responsibility in the development of investment policies and procedures.

She is active in the community, volunteering with Special Olympics since 2006 and is one of the head coaches for the Kirkwood Saber’s team.

Steve Campbell

Partner & Director of Community Engagement

Steve Campbell is a partner at S.E.E.D. Planning Group, LLC and serves as the Director of Community Engagement. Steve joined the firm in May of 2017 after spending five years acquiring financial planning and investment management experience at Morgan Stanley. A long-time resident of Broome County, Steve earned a BA in history from Rutgers University, where he played Division 1 Lacrosse for the Scarlet Knights. Steve then went on to earn a master’s degree in education from Binghamton University.

Steve has a passion for helping and serving people and is committed to helping his community flourish and prosper. By actively engaging other local leaders and professionals to form synergistic relationships, he is motivated by the belief that each individual can make a significant impact to the community.

Steve serves his community through active board involvement and in various leadership roles. He currently serves as a Board Member and Trustee at Calvary’s Love Church, as well as a board member of the Broome Leadership Institute (BLI). He is also an active contributor to The Greater Binghamton Chamber of Commerce’s Government Affairs and Legislative Committees, and he is a member of the advisory councils for both the Binghamton University School of Pharmacy and the SUNY Best Program. Steve is also a member of the Binghamton University Forum, the Emerging Leaders Society of Broome County (ELS) and serves as the Vice Chair of the Small Business for the United Way of Broome County annual campaign.

Humbled by faith, Steve is not motivated by recognition or accolades. He truly believes that serving others by giving time, talent, and resources may change someone’s life forever. Notwithstanding his selflessness, Steve’s leadership has been recognized both professionally and locally. In 2015, The Greater Binghamton Chamber of Commerce named Steve the Young Professional of the Year, recognizing him for excellence, creativity, and initiative as an emerging leader in his profession. He has also been recognized as one of the Southern Tier’s Finest by the Cystic Fibrosis Foundation. While at Morgan Stanley, Steve received the prestigious Pacesetter award in 2015, 2016, and 2017, which recognizes individuals who serve their clients with the highest standards of excellence.

Andrea Vaioli, AIF®, BFA®

Wealth Manager

Andrea Vaioli joined S.E.E.D. Planning Group as a Wealth Manager in July of 2018. In 2019, Andrea earned the Behavioral Financial Advisor™ (BFA) designation from Kaplan University. This curriculum is designed to equip advisors with tools and training to further help their clients make sound financial decisions, maintain emotional competency, and achieve their financial goals.

Passion, empathy, and empowering describe Andrea’s drive and commitment to financial planning.  After spending years gaining experience at large financial institutions, she is now looking forward to bringing her expertise to S.E.E.D. where she will be a leader in developing financial planning programs for helping professional women navigate through transitional periods of their lives.

Andrea is committed to fostering collaborative communities, participating in various boards, and civic engagement initiatives. She is currently the President of the Board of Directors for the Southern Tier Aids Program (STAP), an outdoor enthusiast and avid animal lover.

Andrea has called Broome County home for over twelve years. She is an avid animal lover and outdoors enthusiast who loves running and fitness challenges.

Michael Graves CFP®


Wealth Manager

Michael Graves CFP® joined S.E.E.D. in January of 2020. He will be working out of the Syracuse office, serving as a Wealth Manager. Prior to joining S.E.E.D., Mike worked at TIAA-CREF for over twelve years working with professors and educators at Syracuse and Cornell University. In his role, Mike served as the primary relationship manager for high net worth and affluent clients, assisting them with wealth accumulation, retirement income planning, continuity and legacy planning. He also worked at Brighton and M&T Securities for seven years.

He has earned his CFP® (Certified Financial Planner), which identifies those individuals who have met the experience and ethical requirements, have successfully completed financial planning coursework, and have passed the CFP® Certification Examination, which covers the following areas: financial planning, risk management, investments, tax planning and management, retirement and employee benefits, and estate planning.

A long-time resident of Onondaga County, Mike, received his BA in Business Management and Accounting from Hartwick University. He and his wife, Margaret, have three children, Sean, Ryan, and Nora. Mike loves fishing, golfing, reading and is a season ticket holder for Syracuse University Basketball.

Kerstin Driscoll

Executive Director of SUITE(k)

Retirement Plan Navigator


Kerstin Driscoll joined S.E.E.D Planning Group in January 2019 as Director of SUITE(k). In her role as Retirement Plan Navigator, she will lead S.E.E.D.’s Business Retirement Plan Team and will provide fiduciary investment services to our business clients.  Kerstin comes to S.E.E.D. with over 30 years of industry experience, a Bachelor of Arts degree in Pre-Law and a business minor from Penn State. Throughout her career, she has guided employers and retirement plan committees to design cost-effective retirement plans for their employees and their companies.

Kerstin has experience in most aspects of ERISA including plan design, implementation, plan terminations, valuations, reconciliations, audits, etc. Most recently, as Managing Director for Fidelity Investments, Kerstin was responsible for providing thought leadership, content, training and guidance for retirement plan committees around plan design, plan transfers, implementation, mergers & acquisitions, spin-offs, on-going administration, and compliance. In her current role with S.E.E.D, Kerstin will continue to engage with employers to ensure financial wellness for employees in the ever-changing landscape of retirement plan options. She will delve into – what keeps you up at night? But more importantly, how can we help?

Kerstin shares her talents with the community as Vice President and a founding member of the Greene Community Scholarship Fund, a contributing committee member to the Tina Fund, and board member for the Community Foundation for South Central New York where she serves as chair of the Development Committee.

Carol Young

Development Director for SEEDs of Hope

SEEDs of Hope is a special division of S.E.E.D. Planning Group whose two primary services are working with nonprofits to develop or improve their investment stewardship processes and procedures, and to develop or enhance their legacy gifting programs. As the Development Director, Carol works directly with clients to provide legacy gifting program services.

Clients benefit from Carol’s hands-on experience after working fifteen-years at WSKG, a public media station in the Greater Binghamton area, where she held a variety of positions, ultimately serving as Director of Leadership Giving. In that role she advanced the goals of the organization by establishing and nurturing relationships between the station and its supporters. As a believer that success is the result of innovation and strong teamwork, Carol engaged not only the Development Team, but the entire staff in experimenting in inventive fundraising. Today some of the fundraising techniques Carol’s team pioneered are considered public media industry best practices.

Carol was twice elected to the national Board of the Public Radio Association of Development Officers and served as Treasurer. She was appointed to the PBS Development Advisory Board and was subsequently elected as Chairperson. Utilizing the skills and relationships built during her national service she has assisted public media organizations throughout the country to achieve their fundraising goals.

Being a champion for youth, Carol donates her time and talents to foster opportunities for their success. She serves on the Broome County Youth Bureau Advisory Board and on the Board of Directors of the Literacy Volunteers of Broome and Tioga Counties.

Aside from a short stint in Syracuse, Carol is a lifelong resident of Broome County having graduated from Seton Catholic Central High School and SUNY Broome Community College. She and her husband reside in Vestal where they raised their four children.

Kayla Record

Special Projects Coordinator

Kayla Tufares joined S.E.E.D. Planning Group, LLC in June of 2018 after spending nearly two decades implementing strategic initiatives and assembling teams tasked with mission-critical agendas in the fields of higher education, non-profit management, and youth leadership development.

Kayla will be filling the role of Special Projects Coordinator. In her role, Kayla will be developing and implementing new projects in the areas of financial education and wellness, workplace culture and leadership facilitation.
Kayla is passionate about promoting human-centered design, a creative approach to problem-solving that starts with people and arrives at new solutions tailored to meet their lives. She finds joy in learning just about anything and is particularly interested in community collaboration, equity in education, and lifelong learning. She is naturally curious about people, their motivations and how they make decisions.

Before S.E.E.D. Planning Group, LLC, Kayla was a Vice President of Development with a Children’s Foundation in Pennsylvania. Her work has taken her across the united states, looking at ways in which families and students of underrepresented communities are navigating financial situations in the pursuit of academic achievement, empowerment and social engagement. These insights and explorations lead to identifying relevant new areas for community collaboration to play a meaningful role in the future so one can live life on their terms.

Kayla has served as an appointed member of two Mayor’s commissions to combat poverty and policy action taskforces. She earned a BA degree in marketing and communications from Stevenson University and went to Harvard University, where she obtained a master’s certification in innovation and entrepreneurship and completed the Harvard Management in Leadership in Higher Education (MLE) graduate program.

Committed to empowering people to reach their highest potential and leveraging community resources to reduce socioeconomic barriers, Kayla’s mantra has always been, ‘you can’t pay it back… so you have to pay it forward.’

Irina Sweeney

Office Administrator

Irina comes to S.E.E.D. after spending the past few years at home raising her three year old son. Before that, she worked as a Technical Translator/Interpreter and Site Administrator for Chevron and International Gas & Oil Services back in her home country of Kazakhstan. She has a BS in Information Management and Technology from Syracuse University (where she met her husband) with a Minor in Accounting from the Whitman School of Management at SU, and has received some very distinct honors throughout her formal education years, including a Bolashak International Scholarship.

Irina fills the role of Office Administrator, where she focuses on various administrative support duties in this role as well as continuing to refine (and build out) processes and procedures for the team.

Klara Rusinko

Administrative Assistant

Klara Rusinko joined S.E.E.D. Planning Group in October 2019 after gaining professional experience as an administrative assistant at Arnold & Porter Kaye Scholer LLP. A graduate of Binghamton University, she majored in Urban and Regional Planning. She minored in German and Russian Studies, which are just two of the five languages she speaks.

At S.E.E.D., Klara will support the financial planning team with administrative duties, including reception and scheduling.

Outside of work, ballroom dancing is a passion of Klara’s. She both competes and teaches on the weekends. When she’s not in the office or on the dance floor, she enjoys traveling and rock climbing.

Kimberly Chidester, EA

Partner, Vice President & Enrolled Agent 

Kim, as a Partner and Vice President, is the leader of Bloom. She has a great passion for helping her clients to understand and not be intimidated by complex tax and financial issues, and she strives to make sure that every person who walks through Bloom’s door gets excellent service and has a positive experience. Kim has been providing bookkeeping and tax services for over 25 years and has been an Enrolled Agent, accredited by the IRS, since 1998. In January 2020, Kim merged her firm Lakeside Bookkeeping and Tax Service into Bloom Tax Partners LLC.

As a Broome Community College alum who returned to her hometown after graduation, Kim started her bookkeeping and tax service career and has been a staple in the Whitney Point community ever since. Kim’s commitment to the community can be exemplified in her 20+ years of service as a Whitney Point Rotarian, and as an important member of S.E.E.D. Planning Group’s leadership team, it is Kim’s commitment to her community that shaped the decision to keep Bloom’s main office, indefinitely, in Whitney Point.

Outside of Kim’s dedication to her work and hometown, she also serves on the Board of Directors for Broome Co-Operative Insurance Company. When not serving others, Kim enjoys spending time with her family and 5 grandchildren and vacationing to her condo in Naples. FL.

Kristina West

Office Manager, Payroll and Bookkeeping Specialist


Kristina fills two very important roles for Bloom. She is the Office Manager, responsible for keeping everything running smoothly and she brings 20+ years of experience to the bookkeeping and payroll team.

As a leader on the team, she meets with potential new clients who may be interested in Bloom’s payroll and bookkeeping services. Kristina is responsible for critical payroll processing and audit functions and, as a bookkeeping specialist, she helps businesses manage their finances by managing income and expenses, billing, invoicing, and providing accurate financial reports.

She loves spending time with her husband at Cayuga Lake, where they spend most of their weekend camping, surrounded by family and friends. When not working or at the camp, Kristina is busy with her daughter’s sports activities, shopping, or working out.

Amy Beck

Payroll and Bookkeeping Specialist


Amy is an important member of the bookkeeping and payroll team, helping clients manage their bookkeeping and payroll records since 2012. With a passion for helping her community improve financially and professionally, she is a leader in providing accurate and detailed quality service.

Amy is currently working towards her Quickbooks ProAdvisor certification and obtaining licensure as a Certified Accounting Paraprofessional.

With a deep love for the Whitney Point community, where she grew up, Amy is always looking for ways to give back, and she is especially interested in providing educational opportunities for young people regarding her profession.

In her free time, Amy loves spending time with her husband and their two beautiful children, Roman & Astella. As a family, they actively support their local Endwell Fire Dept, where her husband serves as a volunteer. When not working or doing family activities, Amy enjoys spending time with friends, shopping, and country line dancing.

Katelyn Mcdonald

Office Administrator

An important team member for over 12-years, working with the bookkeeping and payroll servicing team, Katelyn currently helps run the front desk at the Whitney Point office. With a passion for helping others and making people laugh, she creates a calm and smooth flowing atmosphere in which she helps clients and team members enjoy every interaction with Bloom.

A life-long resident of Broome County, Katelyn has received her AAS from SUNY Broome and is currently finishing her BA at SUNY Cortland in Inclusive Education. In her spare time, she enjoys playing Field Hockey for indoor and outdoor adult leagues, board games, and going on mini adventures.

Theresa Yajko

Enrolled Agent

As a Tax Planner, Theresa works primarily with individuals and businesses to minimize their tax burdens through tax planning and preparation. Prior to Bloom, she spent 15 years working for a local CPA firm, where she was a tax preparer for families and businesses.  

Theresa is also the President of the Greene Fire Department. When she is not working or out on calls with the department, she enjoys art, hiking, exploring the outdoors, and taking her stand-up-paddle board out on a lake or river. 

Christina Lynch

Office Administrator

Often running the front desk at the Whitney Point office, Christina works with the client and payroll servicing team to provide detail oriented and exceptional client service. 

With a BA in Computer Science from Binghamton University, Christina uses her extensive experience, along with a passion for planning and organizing, to help develop and implement solutions that allow Bloom to consistently grow as a business while making sure that client satisfaction is always a priority.   

Christina enjoys connecting and helping people and appreciates a good laugh. Outside of work, she keeps busy with her 3 wonderful children’s sporting events, music and many other activities. In her spare time, she enjoys traveling and tap dancing.   


S.E.E.D. Planning Group, LLC ("S.E.E.D.") is a Registered Investment Advisor ("RIA"), registered with the U.S. Securities and Exchange Commission (“SEC”). S.E.E.D. provides financial planning and investment management services for clients in New York and other states across the country. S.E.E.D. will notice, file, and maintain all applicable licenses as required by the various states in which S.E.E.D. conducts business, as applicable. S.E.E.D. renders individualized responses to persons in a particular state only after complying with all regulatory requirements, or pursuant to an applicable state exemption or exclusion.

This web site is intended to provide general information about S.E.E.D. It is not intended to offer investment advice. Information regarding investment products and services are provided solely to read about our investment philosophy, our strategies, and to be able to contact us for further information.

Market data, articles, and other content on this web site are based on generally-available information and are believed to be reliable. S.E.E.D. does not guarantee the accuracy of the information contained in this web site. The information is of a general nature and should not be construed as investment advice.

S.E.E.D. will provide all prospective clients with a copy of our current Form ADV, Part 2A ("Disclosure Brochure") and the Brochure Supplement for each advisory person supporting a particular client. The Disclosure Brochure and Supplement are updated at least annually and are available on the SEC website at: You may also contact S.E.E.D. to request a copy.

If you have any questions regarding Compliance and Regulatory information contact us.