Acerca de Fifth Season

Somos un equipo de gente compasiva que está aquí para ayudarle a aliviar su estrés.

Hemos trabajado con cientos de pacientes y sus familias y vemos el impacto emocional, físico y financiero que frecuentemente se presenta con una enfermedad en etapa avanzada. Nuestra meta es la de proporcionar un servicio rápido, personalizado y sin complicaciones que proporcione los fondos que usted necesita por medio de una solución financiera inteligente – un préstamo contra el valor nominal de su póliza de seguro de vida. Con esta ayuda, usted puede enfocarse en lo que más le importa – su salud, su familia, sus amigos, su vida.

omos un prestamista de especialidad confiable

Somos un prestamista de especialidad confiable.

Fifth Season Financial es licenciado de préstamos al consumidor que opera desde el 2007 y es miembro del Better Business Bureau. Somos líderes en proveer el acceso a fondos muy necesarios de un bien pocas veces considerado – el seguro de vida. Trabajamos con pacientes que han sido diagnosticados con cáncer agresivo en etapas II, III o IV, insuficiencia cardíaca, enfermedad pulmonar obstructiva crónica (EPOC), esclerosis lateral amiotrófica (ELA), microftalmia sindrómica 7 (MLS) y otros padecimientos de salud severos. A lo largo de varios años hemos provisto de más de $75 millones de dólares en asistencia financiera a cerca de 400 familias.

omos un prestamista de especialidad confiable

Hemos creado la empresa con la que nos gustaría tratar.

Es importante encontrar un grupo de personas agradables y experimentadas para proporcionar el apoyo que usted necesita. Hemos construido un equipo de personas que son extremadamente conocedoras, apasionadas por lo que hacemos todos los días, cuidando profundamente el ayudar a los demás. Queremos que sienta nuestro compromiso y cuidado en cada interacción con nuestro equipo.

omos un prestamista de especialidad confiable

Establecimos esta empresa para abordar el vacío existente al buscar ayuda financiera cuando uno se enfrenta a enfermedades en etapa avanzada.

Encontramos que muchos programas se enfocan en el financiamiento para compensar los co-pagos, proporcionar el acceso a medicamentos o para ayudar con los gastos de viaje para recibir tratamiento médico y el costo de las estadías fuera de casa. Típicamente este financiamiento está restringido a esas necesidades precisas y a pequeñas sumas de dinero.

Lo que no pudimos encontrar fue la disponibilidad de dinero discrecional en cantidades que realmente hagan la diferencia en la vida de los pacientes y sus familias. Vimos a personas sumergiéndose en los ahorros de toda su vida, tomando préstamos de su 401(k) o ahorro para el retiro – que son susceptibles de impuestos o vendiendo sus bienes para poder hacer frente al cuidado que requieren.

omos un prestamista de especialidad confiable

Nos propusimos hacer la diferencia

Nuestra misión es la de ayudar a aliviar el estrés que experimentan a menudo las personas con enfermedades en etapa avanzada. Lo hacemos al desbloquear el valor significativo de un bien muchas veces menospreciado – el seguro de vida. Usted fue muy inteligente en haber invertido en un seguro de vida y ahora puede aprovechar nuestro enfoque especializado de préstamos para tener acceso a su efectivo – mientras está con vida, sin deudas o sin que se requieran gastos de su bolsillo y sin ningún pago en efectivo necesario durante el resto de su vida.

Nuestros números hablan por sí mismos

  • 75 Millones

    En Asistencia Financiera Proporcionada

    Hemos proporcionado más de $75 millones de dólares en asistencia financiera a personas con enfermedades en etapa avanzada.

  • 400+

    Clientes Contentos

    Cientos de familias tienen ahora tranquilidad, lo que les permite enfocarse en una mejor calidad de vida y pasar su tiempo con sus seres queridos.

  • 90%

    En Fondos Remanentes

    En más del 90% de los casos, quedan fondos remanentes para transmitirlos a sus beneficiarios.

  • 0

    Cero Restricciones

    El dinero que le anticipamos es suyo – no hay restricciones en cómo elija usted usarlo. Use los fondos para vivir o para dárselos a sus seres queridos.

Nuestros Lideres

Apoyando a individuos y familias para que reciban la asistencia financiera que necesitan

Image

Adam Balinsky

Presidente


Adam Balinsky es fundador y presidente de Fifth Season Financial. El cree ardientemente en la misión de la empresa – ayudar a aliviar las presiones financieras a las que se enfrentan muchos pacientes que están luchando en contra de enfermedades en etapa avanzada, incluyendo cáncer

Adam reconoce que las personas que están enfrentándose a enfermedades en etapas avanzadas tienen presiones financieras adicionales que a diario afectan sus vidas y que no han sido abordadas. Es por esto que el programa FLAG, Fondos para Vivir y Dar, de Fifth Season está diseñado para cerrar esa brecha entre los programas de asistencia financiera tradicionales disponibles para mitigar los costos médicos directos y de tratamientos, así como las necesidades financieras mucho más amplias de los pacientes. El programa FLAG proporciona a los pacientes dinero de un bien no tradicional – su póliza existente de seguro de vida. Adam espera que quienes hagan uso del programa FLAG, Fondos para Vivir y Dar, puedan hacer uso de los fondos para mantener o mejorar su calidad de vida. Los fondos pueden utilizarse como considere oportuno el paciente. Los usos comunes incluyen el pago de la renta o hipotecas, facturas de servicios, los costos de medicinas y tratamientos. Otros utilizan sus fondos para realizar el viaje de sus sueños – creando recuerdos perdurables con los miembros de su familia, o para pagar cuidados en casa o pagar para reunir a la familia. A la fecha, Fifth Season ha ayudado a cerca de 400 pacientes y sus familias y ha proporcionado más de $75 millones de dólares en ayuda financiera a pacientes con enfermedades en etapa avanzada.

La historia detrás de la pasión de Adam por ofrecer los servicios de Fifth Season

Un año después de que Adam y su familia se mudaran de Canadá a Estados Unidos, su esposa Tracey fue diagnosticada con cáncer de mama. Mientras se enfrentaban a la triste realidad de su nueva situación, Adam comenzó a conocer las diferentes formas en que las organizaciones en E.U. dan apoyo a los pacientes, en forma médica y emocional. Sin embargo, se desilusionó de ver el apoyo estructurado tan limitado para la amplia gama de presiones financieras a las que a menudo se enfrentan los pacientes.

Adam se motivó e inspiró para hacer algo sobre eso proactivamente. Después de ser director de Fifth Season Financial desde el 2007 al 2009, en octubre del 2012 Adam la adquirió. Entonces estructuró y desarrolló el programa FLAG, Fondos para Vivir y Dar, para abordar específicamente las necesidades financieras de las personas que están enfrentándose a enfermedades en estado avanzado. Más allá de Fifth Season, Adam y Tracey (quien ahora tiene 5 años de haber terminado su tratamiento ¡y está muy bien!) están muy activos apoyando causas a favor del cáncer, incluyendo el Gilda’s Club Westchester, donde Tracey es miembro del consejo de directores.

Experiencia de Adam

Adam es abogado de formación habiendo practicado leyes por 11 años en Baker & McKenzie LLP, donde se convirtió en socio en el 2005. Adam tiene un grado conjunto de Doctorado en Derecho y Maestría en Administración de Negocios (JD-MBA) por la Universidad de Toronto y una Licenciatura en Comercio por la universidad McGill. Fue admitido para practicar leyes en la Provincia de Ontario, Canadá, y está en muy buenos términos con la Asociación Americana de la Barra de Abogados y la Sociedad de Derecho del Alto Canadá. De mayo del 2011 a mayo del 2013 se desempeñó en el Consejo de Directores de la Asociación de Soluciones del Seguro de Vida (LISA, por las siglas en inglés de Life Insurance Settlement Association)


Image

Scott Rose

Vice President


Scott Rose is the Vice President of Fifth Season Financial, L.P., and also serves as a member of Fifth Season’s Credit Committee. At Fifth Season Financial, Scott helps structure and underwrite Fifth Season’s loans and other investments. In other words, along with his team, Scott reviews every case and helps determine the terms of each loan.

As the principal and founder of Barrett Advisors LLC, he has an abundance of experience in the field. He has designed,developed, structured, implemented and financed numerous life insurance premium finance programsand insurance based investment strategies. In addition, Scott co-founded and managed Premium Capital Group LLC, a boutique financial consulting firm specializing inadvising high and ultra-high net worth individuals on estate planning, insurance and financing matters.

Earlier in his career, Scott worked as an attorney and was Vice President and General Counsel of A.I. Credit Corp.,an American International Group, Inc. (NYSE: AIG) subsidiary responsible for making insurance premiumloans. Before joining A.I. Credit Corp, Scott worked as a corporate attorney at the New York law firm of Weil, Gotshal &Manges LLP, where he specialized in commercial banking, mergers and acquisitions, private equity,capital markets and other financing transactions.

Scott graduated in 1992 from Cornell University,College of Arts and Sciences, with distinction in all subjects, with a B.A. in Psychology, and received hisJ.D. in 1995 from the University of Pennsylvania, earning cum laude and Order of the Coif honors. Scott is admitted to the New York Bar and is a licensed Life and Accident/Health Broker. He has also authored the chapter Other People’s Money: The Allure of Life Insurance Premium Financing,TheBlack Book on…PERSONAL FINANCE(Larstan Publishing April 2005).


Image

Michael Wolfe

Chief Marketing and Business Development Officer


Michael Wolfe is the Chief Marketing and Business Development Officer for Fifth Season Financial. Michael leads our communications efforts, helping ensure that patient communities are aware of Fifth Season’s services and processes. He develops and implements advertising, PR, partnership and events strategies, all designed to help spread the word about Fifth Season and the hundreds of families that have been helped as they fight financial hardship caused by critical illness. He works closely with Tracey and Eric to make sure that Fifth Season’s programs are clearly communicated and engaging.

Michael’s own experience with his mother’s cancer has given him a real understanding of the challenges for those battling advanced-stage illnesses, and the toll it can take on a patient and their loved ones. He is so pleased to be a key player in introducing what is clearly an under-represented option to those facing financial hurdles during this process (especially one that provides resources for both the patient and their chosen beneficiaries).

Prior to joining Fifth Season, Michael spent over two decades leading advertising sales and marketing efforts at some of the leading national magazine companies in the industry, including Conde Nast (GQ, Architectural Digest), Time Inc. (Entertainment Weekly, Life), Hearst (O, The Oprah Magazine), Wenner (Men’s Journal) and Rodale (Best Life). He most recently served as Publisher, National Sales at the Modern Luxury network of brands, and as Publisher of The Week and Mental Floss magazines.

Michael graduated in 1990 from the University of Pennsylvania with a B.A. in Communications. Michael says “I’m thrilled to be putting my efforts towards a program that can help so many…and yet is known by so few. The stories of patients whose qualities of life have been improved by Fifth Season are so moving and inspiring, I look forward to helping even more patients and their families learn how we can be of service.”


Image

Larry Simms

Managing Director-Business Development


Larry Simms has been named Fifth Season’s Managing Director-Business Development. Larry brings over 30 years of experience successfully establishing and growing relationships within the financial services and healthcare industries. Prior to joining FSF, he was head of business development at John W. Henry & Co. (a $300MM Commodity Trading Advisor).

At LifeOptions, LLC, he established an extensive client network of insurance agents, brokers, attorneys and accountants in the emerging life settlement market. Working on Wall Street, Larry spent over 20 years in Institutional Equity Sales for firms including Salomon Smith Barney, UBS and Wells Fargo Securities. He received his B.S. degree from Fordham University and an MBA from New York University.


Image

Tracey Aaron

Communications Director


Tracey Aaron is the Communications Director at Fifth Season Financial. She is responsible for the development of Fifth Season’s communication strategy. She directly manages the communications plan and all communication activities. She builds relationships with non-profit organizations and fosters relationships with our existing partners.

Tracey has over 10 years experience working in marketing and communications in the health care field. She holds a B.A. as well as a M.A. Degree in Sociology and is ABD (all but Dissertation) in a PhD in Community Health.

As a cancer survivor herself and a mom to three small children, she understands the incredible financial and other stressors that often accompany illness. Tracey says, “I feel extremely fortunate to be able to work for a company that is community minded, socially responsible and provides a much needed product and service to individuals who are dealing with illness.”


Image

Dana Diorio

Controller


Dana Diorio is the Accounting Manager at Fifth Season Financial. Dana is committed to working towards transparency in our finance and accounting practices. With 7 years experience in the life insurance investment field, Dana is extremely knowledgeable in all aspects of the life insurance arena.

She works closely with Eric and Giovanny on the Funds for Living and Giving Program (FLAG). She is responsible for organizing the loan schedules, for paying our clients insurance premiums and for issuing all monthly statements to clients. In addition, she facilitates surplus beneficiary payments to our client’s families.

Dana graduated from Hofstra University with a B.B.A in Accounting. She continues her accounting education with a variety of on-line courses.

Dana says, “I am so pleased to be working for Fifth Season, so many people are touched by disease and it’s nice that we can make a difference in relieving some of the stress associated with advanced illness.”


Image

Eric Smith

Program Director


Eric manages Fifth Season’s Funds for Living and Giving (FLAG) program. As our company’s primary contact working with individuals seeking financial assistance, he is compassionate and sensitive when conversing with people who are dealing with the physical, emotional and financial strain caused by advanced stage illnesses.

Eric and his team pride themselves on keeping applicants well informed throughout the entire loan process. Eric ensures that the lines of communication are always open for patients to initiate any questions they have along the way. He operates with a sense of purpose, flexibility and urgency to ensure that Fifth Season addresses the unique set of needs of each of our applicants.

Eric has built his professional knowledge and customer expertise over the 10-plus years he has worked in the life insurance investment space.

Image

Giovanny Ramirez

Senior Case Manager


Giovanny Ramirez works behind the scenes at Fifth Season Financial. He diligently manages the information gathering processes between medical facilities and insurance carriers. Along with his team, he works with insurance companies and medical facilities to ensure that all records are in order. He takes care of all the paper work so that the process is smooth and stress free for applicants. Giovanny’s can-do mentality motivates him to do all that he can to make sure that every individual who applies gets a fair chance to qualify into the Funds for Living and Giving (FLAG) program.

Extremely compassionate and with a big heart, Giovanny gets to know Fifth Season’s clients on a personal level, understanding their stories, and circumstances, while sharing sincere words of hope and care.

Professionally, Giovanny brings over 11 years of experience working for a diverse number of financial and investment related institutions. When Giovanny was presented with Fifth Season’s mission and service, he was immediately drawn to how helpful the program is for individuals enduring financial hardship. “I feel grateful that by working at Fifth Season, I can help make a difference in people’s lives. When you are dealing with a serious illness- the last thing you need is stress over finances.”


Image

Ryan McTernan

Senior Associate


Ryan McTernan is a senior associate at Fifth Season Financial. He is one of our number crunchers and works with the team to structure and evaluate each loan. He works behind the scene but always has the applicant’s needs in mind and his main focus is maximizing the proceeds available for each borrower. His attention to detail is extremely helpful in administrating the Funds for Living and Giving (FLAG) program and in managing the insurance policies once the client joins the program.

Ryan graduated with honors from State University of New York at Cortland and has over 7 years experience in the finance and insurance industries.


Image

Sarah Jones

Executive Assistant to the President / Client Service Associate


As Executive Assistant to Mr. Balinsky, Sarah is responsible for managing the goals and objectives on the business side of Fifth Season Financial. In addition, Sarah is the first point of contact for potential clients who have questions regarding the FLAG financial assistance program, assists in the areas of client on-boarding, case management, and activity reporting support.

Sarah has over 20 years experience in Executive Administration with Client Service expertise in wealth management and investment banking industries. She graduated from Boston University with a BA in Psychology.


Image

Kelly Kirk

Social Media & Website Manager


Kelly is responsible for Fifth Season Financial’s online presence. She manages Fifth Season’s Facebook, Twitter and LinkedIn accounts and keeps the website up-to-date. She has her finger on the pulse of new developments in the medical world and shares news, research, discoveries and breakthroughs on Fifth Season Financial’s various social media’s outlets.In addition, she provides inspirational messages, uplifting personal stories and news about upcoming events.

Kelly is a creative, positive person. She has worked in marketing for over 10 years. She received her B.S. in Marketing from Rutgers University.