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Shari Reffsin
Pursuing Financial Independence Empowerment Families in Transition Committed to You

Lifelong Guidance from a Trusted Partner

With something as personal and emotional as your finances, it’s important to work with an advisor you trust and with whom you want to work for the long-term. After all, building a financial plan is not a one-time event, but an ongoing process that requires adjustments as your life or goals change.

I’m Shari Reffsin, CFP®, CDFA™, CLTC, and I seek to serve as your trusted financial partner. With nearly two decades of experience, I have dedicated my career to empowering clients to take control of their finances and create a plan designed to guide them toward their goals.

I specialize in providing comprehensive financial planning for individuals, couples, and families in all stages of life, planned or unexpected. I also frequently work with women in transition, whether they are going through a divorce, have become widowed, or are experiencing a career change. I collaborate with you to establish key objectives and take the appropriate action steps in pursuit of financial independence. Utilizing a holistic planning approach, I am focused on nurturing a valuable relationship, learning about your entire financial landscape, and explaining financial concepts in a way that is easy to understand. Your needs always come first, and I recommend strategies that I believe best align with your goals.

Based in Suffern, New York, I largely work with clients in the greater Rockland, Westchester, and Bergen areas, but also serve those in New York City, Pennsylvania, Florida, and elsewhere. I welcome the opportunity to guide you along your financial path. Contact me to learn more about how I may be able to help you.



Joy Carol

The response to my first posting was beyond my expectations so thanks to all who commented.

The focus remains on recognizing and celebrating inspiration, and the people who have overcome obstacles or made significant contributions either professionally or on a personal basis. With this next installment, I am proud to recognize and celebrate Joy Carol.

Joy is an exceptional person. She has a deep commitment in areas concerning women’s and children’s issues here in the US as well as in 40 countries throughout Asia, Latin America and Africa.  For the last twenty years Joy has worked tirelessly as an International Speaker, Spiritual Director, Retreat and Workshop Leader and Author of books such as Seasons of Joy: Weekly Meditations on Life and Spirit; Journeys of Courage; Celebrating the Joys, The Fabric of Friendship: Mending the Tears in Women’s Relationships. All the while, enduring many challenges of her own.

Joy is and has been affiliated with a number of renowned not-for profit organizations including but not limited to the Ford Foundation, Save the Children, The United Nations and Project Head Start. The list of her achievements and accomplishments are too long and impressive to do them justice here. However, I do want to share a couple of the endorsements she has received for her writings:

 These beautifully articulated reflections on each season's changes offer us powerful ways to truly notice both the treasures of the shifting seasons... and the invitations to each of us that also arrive with the passage of time.  There is much here to nourish and comfort anyone on the journey.
– Nina H. Frost, co-author, Soul Mapping


Joy Carol tells so eloquently moving stories that inspire us and fill us with hope.
— Archbishop Desmond Tutu


Joy Carol draws deeply from the well of her life to provide wisdom about the unique magnificence in all seasons of life. Integrating what can be celebrated in changes of seasons in nature with the changes we experience in our lives, Joy helps us all to know that there is light in darkness, life in death, and hope in despair. 

– Cari Jackson, Ph.D., author, Love Like You've Never Been Hurt 


About three years ago Joy was diagnosed with cancer and paraneoplastic syndrome – a very rare syndrome that is difficult to diagnose and even more difficult to treat. The syndrome revealed itself through antibodies attacking her central nervous system causing an almost instant inability to walk or move her legs and feet. She spent months in hospitals and rehab centers while the doctors tried to find a treatment that would help. She had to cancel her upcoming workshops/retreats, and speaking engagements and she needed the help of a wheelchair. Suddenly the healer was now the one who needed healing. It would have been easy for Joy to focus on all the pain and suffering she was experiencing. But not Joy.

This unforeseen and clearly unexpected event forced her to map out a strategy that would provide support for her emotional, physical, spiritual and financial needs.

She sold her apartment in NYC, moved to a wonderful community in Florida near the Mayo Clinic, where there is a doctor trained and experienced with paraneoplastic syndrome (who Joy credits with helping to extend her life). She is now living independently (without caregivers), and has made dozens of friends. Most impressive of all, Joy is back to leading workshops and retreats, preaching, teaching, speaking and singing! She went from a wheelchair to a cane or rollator and even drives a new Subaru! Joy’s deep connections to others, her spirituality, and her focus on gratitude have played a major role in her ability to transition, move forward, continue her sacred work, and enjoy every day of her life.

Her strength in the face of these challenges while still pursuing her passions is a real source of inspiration to me and I felt I had to share her story with you. With that as background I celebrate Joy Carol.

Quoted in Joy’s latest spiritual blog…

The universe is always sending us little messages causing serendipities, reminding us to stop, to believe in something more and to be grateful. – Anonymous

To learn more about Joy Carol and her journey, go to


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