Back Office Staff

Rick Carlesco has been in the financial services industry since 1991. He started his career with Prudential Financial Services in Syracuse, NY where he quickly became one of the top advisers in Central New York, winning Prudential’s Academy of Honor Award. He was promoted to manager in his first year. He also earned his LUTCF (Life Underwriting Training Council Award) in 1992.

Rick started his own firm in 1999, IBN Financial Services, Inc. as a FINRA (Financial Industry Regulatory Authority) Broker Dealer. The firm started with two registered representatives and currently has over 85 reps all over the country. Growing this firm has always been a passion, always believing that people wanted to be treated by the “platinum rule” treat people the way they want to be treated. Clients always come first. That has been the consistent message Rick has presented to his clients and his representatives ever since he started his career.

Rick holds six securities licenses as a financial services representative and as a registered principle. He also holds several insurance licenses. This makes him well qualified to have a conversation with anyone concerning their wealth development, preservation, and deployment, to how to best protect their lives, families, property, and business. He is uniquely qualified to bring you the best the financial marketplace has to offer.

Rick has lived in the Liverpool, NY area (a suburb of Syracuse) since 1980 and has been married to Kelly since 1982. Rick is also an avid Syracuse University sports fan and loves golf. He started a charity in 2014 called Victory for Vets, Inc. raising over $59,000 to help veterans with Post Traumatic Stress. He also was the past president of a local home for the elderly called The Ladies Home of Oswego an institution in Central New York since 1872. Richard James Carlesco Jr. loves where he lives will often tells people this is the best place to live in the world. Almost everyone he knows, family and friends, live within a mile of his house, which is across the street from his office, easy commute.

Tim Evans is an Air Force Academy Graduate class of 1988 we he earned his Bachelor of Science in Engineering. Then served our country honorably until 1993.

Tim received his Master’s in Engineering Management while working as an engineer for Cellular One until 2001.

Tim is a native of Central New York graduating from Whitesboro High School.  He has 4 brothers.  The whole family spends quite a bit of quality time in Old Forge NY.  His father is a retired Army General.

In 2001 he returned to Central New York to work for Lockheed Martin. Tim traveled all over the world as a field engineer, ask him about all the interesting places he has been.

Changing careers in 2013 to become a compliance officer at IBN Financial Services, Inc., Tim with his engineering mind quickly picked up compliance and has a series 7, 24 and 66 financial licenses. Tim's keen eye for detail has propelled him to the firms top compliance spot and he is a partner in the firm.

Howard wears several hats when he walks through the door at IBN Financial Services, Inc.

Howard joined IBN as a General Securities Representative on January 1, 2008, working with existing investment clients and identifying new ones. In 2011, he assumed the additional duties of Due Diligence Officer. In that capacity, Howard is tasked with reviewing every Alternative Investment program to determine whether it is suitable for our clients. This includes REITs (Real Estate Investment Trusts), Private Placements and other investment products geared towards so-called High Net Worth clients looking to invest beyond stocks and mutual funds.

Prior to joining IBN, Howard worked with two other local investment firms and with several insurance companies. Between 1997 and 2010, Howard managed his own company, In-Tuition College Funding Services, assisting parents and teenagers with the unique financial issues that surround college planning.

A native of New York City, Howard spent more than two decades in broadcast journalism before deciding to change careers in favor of financial planning in the mid-1990s. Howard earned a B.A. degree from Brooklyn College of the City University of New York, majoring in History.

Howard and his wife Esther have lived in Central New York since 1985. They enjoy travel, thoroughbred racing, attending music festivals and doting on their three grandchildren.