Our Team

three+one® is comprised of leaders in banking and public service committed to maximizing taxpayer funds for public entities, K-12 districts & higher-ed institutions.

Mike Abbott

Data Analyst

Mike is a Senior at St. John Fisher College, majoring in Corporate Finance with a minor in Data Science.

About Mike

Scott Allen, MBA

CFO

Scott has been a key member of the three+one team and its development since 2016.

About Scott

Beau Blevins

Director, Business Development

Beau is one of the most well-known public sector advisors in the Southeast.

About Beau

Manel Chaib

Data Analyst

Manel graduated from a school of banking with a thesis in operational risk management.

About Manel

William Cherry

Director, Public Partnerships

Bill’s career in public service spans 37 years, and includes serving as an elected official at the village, town and county levels of local government.

About William

Ruth Chiumia

Client Services Associate

Ruth Chiumia, originally an intern at three+one during her junior year in college, has joined our team full time, after graduating from the University of Rochester with a BA in Political Science in May 2021.

About Ruth

Kyle Cline

National Dir. of Strategic Partnerships, NACo-FSC

Kyle Cline serves as National Director of Strategic Partnerships at the National Association of Counties’ Financial Services Corporation (FSC).

About Kyle

Alex DeRosa

Relationship Spc., Team Lead

Alex was most recently an analytics consultant for a BlueCross BlueShield health plan.

About Alex

Anthony DiLeo

Accounting & Finance Associate

In May 2020, Anthony DiLeo graduated from St. John Fisher College. In his four years there, he studied Finance and Accounting and was involved in several organizations.

About Anthony

Peter Forsgren, CTP

COO and Co-Founder

Peter’s entire career has been dedicated to the municipal and not-for-profit sectors. His passion for servicing these entities is evidenced by his earning a Masters Degree in Public Administration from Syracuse University.

About Peter

Tyler Frame

Sr. Relationship Analyst

Tyler recently graduated as a double major in Economics and Business in the Liberal Arts at St. Lawrence University.

About Tyler

Andrew Hagemeister

Vice President of Innovation

It was through his years at NYU’s Steinhardt Music Technology program that Andrew gained his strong technical and programming background.

About Andrew

Jessica Harrell

Director, Project Management

Jessica has significant financial, analytical, and technology experience in both the public- and private-sector marketplace.

About Jessica

Garrett Macdonald, CTP

Senior Vice President

Garrett has been partnering with public officials to generate measurable and sustained public value through increased interest earnings and savings since joining three+one® in 2015.

About Garrett

Kyle Metcalfe

Relationship Analyst

Kyle joined the three+one® team in June of 2020. Prior to three+one® he was the Investor Relations Director for the Hamister Group in Buffalo, NY.

About Kyle

Leah Riley

Sales & Marketing Associate

Leah joined the team at three+one® in January of 2021. In 2018, Leah graduated from Le Moyne College, where she received a Bachelor’s Degree in Marketing.

About Leah

Samantha Rothschild

Marketing Coordinator

Samantha Rothschild is an accomplished Sales and Marketing professional with over 17 years of experience in the advertising industry.

About Samantha

Joseph Rulison

CEO and Co-Founder

Joseph Rulison’s multi-faceted career in the financial services sector gives him an expansive viewpoint and breadth of knowledge matched by very few.

About Joseph

Edna Teresi

Client Services Associate

Edna brings a diverse background in the financial industry to three+one®, including positions in both the private and public sectors.

About Edna

LaTonya Youmas

Client Services Associate

LaTonya joins three+one with over 25 years of banking experience with JPMorgan Chase.

About LaTonya

Jacob Wales

Financial Analyst

A mathematician by education and training, Jacob joins the three+one team as a financial analyst.

About Jacob

At three+one® we have only one service: public service. We believe in strengthening municipal entities and higher education institutions with fiscal stability through the best asset you already have: Cash.

three+one® CEO | Joseph Rulison

Client Advisory Board

three+one® is committed to a customer-centered digital strategy. Building our innovative tools in liquidity management began with a better understanding of how our clients work. That led to the creation of our Client Advisory Board. This board’s input will continue to help us develop new cash-management tools and strategies for the public sector.

John Abbott

Deputy Superintendent
East Irondequoit CSD, NY

Michelle Barno

Treasurer
East Irondequoit CSD, NY

Colin Pierce

Asst. Business Admin.
East Irondequoit CSD, NY

Stephanie O'Cain

CFO
Municipal Assoc. of SC

Mark Romito

Finance Director
Upper St. Clair, PA

Kathy Todd

Finance Director (Retired)
Beaufort, SC

Jessica Barlow

Fiscal Manager
Columbia, SC

Angel Mumma

CFO
Central OH Transit Authority

Scott German

Treasurer
Genesee Co., NY

James Bell

Finance Director
Huber Heights, OH

Eric Virkler

Treasurer
Lewis Co., NY

Jennifer Talbot

District Treasurer
Monroe 2 BOCES, NY

Our Public Sector Partners

$ 0 m+

Given Back to Local Communities

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  • the three+one® story

The roots of three+one® and its flagship services cashVest® and rfpPrep® span over 30 years of rich experience in business, public service, higher education, and government banking.

From our official launch in 2014 to the FY close of 2021, the FinTech expertise at three+one® has helped clients throughout the United States realize an additional $500 Million in revenue opportunities and cost savings through liquidity data analysis. These public dollars are reinvested by public entities back into their communities and those they serve.

Our partnership with the National Association of Counties (NACo.) has accelerated our growth throughout the nation. In addition, we stand in partnership with multiple state-level associations from New York & California to Alaska & Florida. Further recognized as a liquidity data analysis pioneer, our firm was tapped by BNY Mellon as an inaugural participant in the FinTech Accelerator program where our technology was further advanced by contributions from expert voices across the globe.

We take immense pride in the fact that our Pathway To Recovery® model was designated as a qualifying expense for ARP Stimulus Dollars as we continue to help navigate municipalities, K-12 districts, and higher Ed clients through new financial challenges in the post-pandemic economy.

1988

In the beginning

Our firm’s origins trace back to the services of muni bank® and Muniflow®, a division of Rulison & Company. It was founded by our CEO, Joe Rulison, in 1988. Muniflow® received national recognition in the 1990s by serving the short-term investment needs of public and higher education institutions. In 1997, our co-founder and COO, Peter Forsgren, joined Muniflow® to further develop the proprietary cash-flow-management models that are the fundamental pillars of our services today.

1988

2001

Public Service

In 2001, Muniflow® was purchased by Fleet Bank, which later became Bank of America. As a center point for healthcare, higher education and government banking, Muniflow® expanded the bank’s national footprint by serving hundreds of public and higher education clients.

2001

2008 - 2014

FinTech Pioneer

Over the next dozen years, Joe and Peter deepened their banking experience while also serving their communities in several leadership roles that further shaped their vision for three+one®. Navigating a changing landscape in banking after the financial crisis of 2008—and eager to help the entities they served in the past—our co-founders launched three+one® in the fall of 2014.

2008 - 2014

2015 - 2021

Rapid Growth

Since 2015, three+one® has been on a rapid growth trajectory. The cashVest® platform officially launched in 2016 followed shortly by rfpPrep® in 2018. Combined, these groundbreaking FinTech solutions earned the firm the necessary capital to continue growing. Among three+one®’s biggest achievements is the national strategic partnership with the National Assoc. of Counties (NACo) which has helped the benefits of cashvest® reach counties of all sizes and demographics. Even throughout the COVID-19 pandemic, three+one® continued to deliver on its commitment to the public with the rollout of the Pathway to Recovery®, taking part in BNY Mellon’s FinTech Accelerator, and investing in the continued buildout of its technology with Zühlke.

2015 - 2021

2022

National Presence

three+one® is now nationally recognized as a FinTech pioneer in defining and providing liquidity analysis & data services to public sector municipalities, K-12 districts, and higher-ed. institutions through our proprietary cashvest® platform. Additionally, our firm provides a cutting-edge online bank rfpPrep® service coupled with diagnostic evaluation of bank treasury services fees. Now with the partnership of over a dozen state-wide municipal associations and as an affiliate of the BuyBoard® Cooperative, three+one® is poised to continue serving taxpayers and higher-ed stakeholders across the nation.

2022

Mike Abbott

Data Analyst Intern

Mike is a Senior at St. John Fisher College, majoring in Corporate Finance with a minor in Data Science. Mike is a member of Omega Psi, St. John Fisher’s chapter of Delta Sigma Pi, a professional business fraternity, and was the former Gamma Class Professional Events Chair and now a part of the Finance Committee. He plays for the men’s soccer team and is a Statistics/Data Science Tutor.

Mike helps out as a volunteer with the Special Olympics in their regional soccer tournament. He also has worked actively with the Office of Multicultural Affairs during his time at St. John Fisher College.

Scott Allen, MBA

CFO

Scott has been a key member of the three+one team and its development since 2016. He is a very experienced professional with over 30 years in business and finance. Prior to joining three+one, Scott most recently served as Vice President and Business Finance Manager with J.P. Morgan’s Private Bank covering teams in various parts of the Northeastern United States. Throughout his career, he has held a number of diverse leadership roles, of which many were with J.P.Morgan Chase in the greater Rochester, NY area. These have included financial planning, branch and district management, operations and compliance, as well as financial management and strategic planning.

In addition to numerous financial licenses and designations, Scott earned both his BS degree magna cum laude and MBA degree with high distinction from St. John Fisher College.

On the personal side, he most enjoys spending quality time with his wife and their three children, as well as sports and travel.

Beau Blevins

Director, Business Development

Beau is one of the most well-known public sector advisors in the Southeast, having worked closely with local government treasurers, elected-officials, CEOs, CFOs and state associations for the last 15 years. Beau most recently served as Director of Business Development for the Virginia Local Government Finance Corporation (branded VML/VACo Finance), leading business development efforts for finance and investment services. In this capacity, he spearheaded the growth of the Virginia Investment Pool from $350 million to $3 billion in assets within a four-year period. In 2020, Style Weekly Magazine named Beau to its list of Top 40 Under 40 business leaders for his efforts.

From 2010 to 2016, Beau served as Director of Intergovernmental Affairs for the Virginia Association of Counties (VACo) where he managed advocacy efforts in the areas of public investments and finance. Other previous roles include Senior Budget Advisor for the Virginia Department of Planning and Budget and as a congressional staffer in the United States House of Representatives. Beau has served on three Virginia gubernatorial transition teams providing guidance on municipal finance and investments.

Beau holds a master’s degree in Public Administration from George Mason University and a B.A. in Political Science from Emory & Henry College. He serves on the Board of Visitors to George Washington’s Mount Vernon Estate, the Board of Trustees to Emory & Henry College and the National League of Cities Public Finance Consortium.

Manel Chaib

Data Analyst

Manel graduated from a school of banking with a thesis in operational risk management. Upon graduation, she continued in the banking industry, with a concentration on credit and mortgage operations, as well as risk analysis. Manel’s growing interest in statistical solutions applied to risk analysis led her to the United States with a Fulbright scholarship to pursue a master’s degree in Computational Finance – a pursuit that continues to deepen her passion for data mining.

William Cherry

Director of Public Partnerships

Bill’s career in public service spans 37 years, and includes serving as an elected official at the village, town and county levels of local government. He served as Schoharie County’s Chief Financial Officer and elected County Treasurer for 24 years, and will be retiring at the end of 2019. Bill also served for many years as the Budget Officer for Schoharie County.

In the aftermath of Hurricane Irene in 2011, Bill served for 8 years as the Flood Recovery Coordinator for Schoharie County. He was responsible for overseeing the reconstruction of county government buildings encompassing $100 million worth of infrastructure projects and coordinating FEMA reimbursements.

Bill is a past-President of the New York State Association of Counties (NYSAC) and served on NYSAC’s Board of Directors for 12 years. He was also Chairman of the NYSAC Investment Committee. Additionally, he is a past-President of the New York State County Treasurers and Finance Officers Association, and was the recipient of the ‘County Treasurer of the Year Award’ in 2013, and the ‘President’s Award’ in 2016.

Bill served as a Member of the Board of Directors of the National Association of Counties (NACo), is Member of the National Association of County Treasurers and Finance Officers (NACTFO), also a member of the Government Finance Officers Association (GFOA), and past-President of the Board of Governors of the New York State Municipal Insurance Reciprocal (NYMIR) with more than $150 million in assets.

Bill is a graduate of the State University of New York, with a Bachelor’s of Science degree in Public Administration, with a concentration in Public Finance and Economics.

He and his wife Sherry have five grown children and eight grandchildren, and they live in Glenville, NY.

Ruth Chiumia

Client Services Associate

Ruth Chiumia, originally an intern at three+one during her junior year in college, has joined our team full time, after graduating from the University of Rochester with a BA in Political Science in May 2021. While attending the U of R, Ruth was actively engaged in the university’s Pan African Students Association.

Ruth began her undergrad studies at Jefferson Community College in 2017. She graduated at the top of her class in 2019, with an Associates Degree in Business Administration. During her two years at the Watertown college, Ruth served as a Student Ambassador, an Orientation Leader, and was inducted into the National Society of Leadership and Success.

Born and raised in Malawi, a small, landlocked country in southeastern Africa, Ruth has had a lifelong passion for helping people and their communities. She has proven to be a devoted learner on a quest for knowledge. In her free time, you will likely find her with a book in hand, usually about developmental economics, African literature, or politics. Her love of languages has led her to be fluent in four: English, Chichewa, Tumbuka, and Tonga.

On weekends and vacations, Ruth enjoys traveling across the United States, experiencing what each state has to offer. But no matter where she is in the world, if you’re looking for her in the early hours of the day, check a gym first. For Ruth, staying fit has always been a top priority.

Kyle Cline, MPA

National Dir. of Strategic Partnerships, NACo.-FSC

Kyle Cline serves as National Director of Strategic Partnerships at the National Association of Counties’ Financial Services Corporation (FSC). In this role, he works to develop and deliver value-added, public-private solutions on behalf of the nation’s 3,069 counties.

Among those efforts, he supports the cashvest® liquidity analysis program by managing key relationships with numerous state association sponsors of the program, driving business development and affiliate marketing activities, and ensuring NACo.’s members have access to the revenue generating opportunities that the program provides.

Before joining NACo, Kyle served as National Policy Advisor and head of federal government relations for the Indiana Farm Bureau in Indianapolis. Prior to that, he was awarded the Robert Bosch Foundation Fellowship in Germany and served as General Manager of the Richard G. Lugar Center for Renewable Energy at Indiana University Purdue University-Indianapolis (IUPUI).

Kyle holds a bachelor’s degree in Political Science and a master’s degree in Public Affairs (MPA), both from Indiana University.

Alex DeRosa

Relationship Specialist, Team Leader

Alex was most recently an analytics consultant for a BlueCross BlueShield health plan. In his role, he collaborated with leaders in the care management division to quantify the value of the services they provide to the members of the health plan. Prior to starting his full-time professional career, Alex spent 7 months as an analyst intern for three+one®. He went on to graduate summa cum laude from St. John Fisher College with a degree in Economics.

Upon graduating, he received the St. John Fisher College Award in Economics for demonstrating outstanding academic success in the area of Economics, and the Honors Award for Academic Achievement for having great academic success in the Honors Program. During his senior year at St. John Fisher, Alex was a member of a five-student team that placed first in a Deloitte national tax case competition which featured over 50 participating colleges and universities from across the United States. He is currently pursuing his Masters in Public Administration from Marist College.

Anthony DiLeo

Accounting & Finance Associate

In May 2020, Anthony DiLeo graduated from St. John Fisher College. In his four years there, he studied Finance and Accounting and was involved in several organizations. In the business school, Anthony held leadership positions in Omega Psi, Fisher’s chapter of Delta Sigma Pi, a well-respected business fraternity, and in the Investment Club. In addition, he was president of Beta Gamma Sigma, an international business honor society that only extends invitations to the top 10% of the class.

While at college, Anthony had two different internships in corporate tax. Starting in his freshman year, he worked at Tops Markets, responsible for Sales and Use tax reporting. He continued this job throughout his college years.

After finishing his junior year, he accepted an internship with Carestream Health in its Tax and Internal Audit department. Over several months there, Anthony had the opportunity to travel to Shanghai, China, to assist in an internal audit. Spending time in one of the world’s most fascinating cities is an experience he will never forget.

His internships gave Anthony valuable exposure to the corporate income tax world and ultimately led to a full-time tax analyst position upon graduation. In this analyst role, he worked in tax reporting, compliance, and transfer pricing.

When he’s not busy at work, Anthony enjoys traveling, playing golf, and spending quality time with his family and friends.

Peter Forsgren, CTP

COO and Co-Founder

Peter’s entire career has been dedicated to the municipal and not-for-profit sectors. His passion for servicing these entities is evidenced by his earning a Masters Degree in Public Administration from Syracuse University. He started his career as a program analyst for the Oneida Indian Nation and placed his feet firmly on the path of finding efficiencies to benefit organizations that serve the public. Peter later joined Rulison and Company as the first employee of the new Muniflow service – a service designed to assist municipalities invest their funds without endangering daily cash requirements. The service was eventually sold to Bank of America where Peter continued his career through June of 2014.

Peter gained vast experience through his various roles in different divisions within the Bank. Each position required customized approaches, identifying client needs and providing the right treasury services to meet those needs. In 2006, Peter earned his Certified Treasury Professional (CTP) designation and maintains that designation to this day.

Peter’s commitment to the public and not-for-profit community is also exhibited in his volunteer activities. Most recently Peter has been elected as President of the Fairport Central School District Board of Education. He has previously served on the Seneca Waterways Council of the Boy Scouts of America and the Roundtree Homeowners Association.

Tyler Frame

Sr. Relationship Analyst

Tyler recently graduated as a double major in Economics and Business in the Liberal Arts at St. Lawrence University. Prior to joining threeplusone®, Tyler was at Angelo, Gordon & Co. in New York as an Analyst intern. At St. Lawrence, Tyler was the captain of the Men’s Varsity Crew Team, and member of the investment, entrepreneurship, and quantitative clubs. Academically, Tyler was a recognized Faculty Scholar, member of Chi Alpha Sigma, and Dean’s List student.

Tyler’s passions for entrepreneurship and technology led to the creation of his company, iClariti, when he was in high school. As an avid traveler, Tyler studied abroad in Vienna, Austria during his sophomore year at St. Lawrence, exploring Europe while taking culturally-focused and economic-based courses. He also spent time in China where he competed in the 2nd Xi’an Kunming Lake Regatta.

Andrew Hagemeister

Software Developer

It was through his years at NYU’s Steinhardt Music Technology program that Andrew gained his strong technical and programming background. His long-time love of numbers led to his serving as captain of his high school’s math team. That, in turn, developed into a love of problem-solving through computer programming. The end result: Andrew has been able to make continuous advances in three+one’s® software capabilities.

Since his hiring in February 2015, he has made significant contributions to three+one’s® ongoing success. When he’s not working, Andrew enjoys playing and recording music, boating, and skiing. He lives in Rochester, NY.

 

Jessica Harrell

Director, Project Management

With significant financial, analytical, and technology experience in both the public- and private-sector marketplace, Jessica brings a deep understanding of the way a public finance office operates, along with advocating for local issues and needs. This is coupled with well-honed analytical skills having worked at a private, worldwide technology leader.

Following the completion of Bachelor’s in Finance and Master’s in Economics degrees at Virginia Tech, Jessica began her career in the public sector as a financial analyst for the City of Norfolk, VA. This led to her role as City Economist for the City of Richmond, VA. There she focused on financial forecasting, budget writing, and policy analysis, helping local governments manage through the great recession. 

After relocating to Seattle, she joined the non-partisan staff at the Washington State legislature. Working there, Jessica developed the state’s education and transportation budgets, totaling $22 billion and $4 billion, respectively. After completing her work on the development and negotiation of a $7.2 billion education-funding-reform package—resolving a seven-year-long court case—she transitioned to the private sector, joining Amazon in 2018. 

At Amazon, Jessica was able to direct team efforts toward financial reporting, process improvement, and financial controllership. Partnering with business and financial leadership and their business-intelligence team, she improved internal reporting to ensure leaders were all working from a “single source of truth.” She was able to reduce reporting run times, created automated reports that could be responsive to dynamic queries, and created a new reporting process for key performance indicators.

Making her way back to her hometown, Rochester, Jessica has become a member of the three+one team.

On the personal side, she has a passion for traveling throughout the United States, reading, and the history and science of food. In her free time, Jessica enjoys spending time with her family, her dog Natty and riding her horses, Sheldon and Rocko.

Garrett Macdonald, MBA, CTP

Senior Vice President

Garrett has been partnering with public officials to generate measurable and sustained public value through increased interest earnings and savings since joining three+one® in 2015. He has worked cooperatively with governing bodies, public finance officials, and financial institutions to help bring strategic initiatives to the public sector that lowers internal costs and tax levies.

Prior to joining three+one®, he traveled widely, both domestically and internationally, bringing efficiency resource management to non-profits in places as far-flung as Singapore, Indonesia, and Great Britain. Garrett attended St. John Fisher College in Rochester, N.Y., where he graduated magna cum laude with a B.S. in Corporate Finance. He went on to earn his MBA there with high distinction. While at Fisher, he received recognition for his scholastic accomplishments and community service. Garrett was also invited to join Beta Gamma Sigma, the highest honor a business scholar can receive from an AACSB-accredited institution.

He was a research contributor to and co-author of a textbook and academic publication that concentrated on financial instruments and corporate sustainability. Through the Association of Finance Professionals, Garrett earned his Certified Treasury Professional® designation. More recently, he earned a certificate in “Artificial Intelligence: Implications for Business Strategy” from the Massachusetts Institute of Technology.

Kyle Metcalfe

Relationship Analyst

Kyle joined the three+one® team in June of 2020. Prior to three+one® he was the Investor Relations Director for the Hamister Group in Buffalo, NY. In his role, he helped to facilitate new investments and furthered the growth of relationships.

Of particular importance is Kyle’s depth of experience in the RFP process and lends expertise to public and higher-ed entities utilizing three+one®’s revolutionary rfpPrep® tool.

Kyle is a graduate of St. John Fisher College with a degree in Business Management and dual focus in Finance and Marketing. During his academic career, and captained the varsity soccer team for 3 years where he was also a Student Athlete Mentor.

Leah Riley

Sales & Marketing Associate

Leah joined the team at three+one® in January of 2021. In 2018, Leah graduated from Le Moyne College, where she received a Bachelor’s Degree in Marketing. At Le Moyne, she was repeatedly named a Dean’s List student and worked as a Marketing Intern for Sodexo, where she promoted and managed various on-campus events. Leah also participated in club lacrosse.

Upon graduation, Leah pursued her career in the sales and marketing industry. Towards the end of 2019, she earned her New York State Real Estate License. Leah continues to sell real estate part-time. Outside of work, Leah’s interests consist of health and fitness, traveling, and spending time with her family, friends and two dogs.

Samantha Rothschild

Marketing Coordinator

Samantha Rothschild is an accomplished Sales and Marketing professional with over 17 years of experience in the advertising industry. Samantha joined three+one in 2021 to focus on marketing strategy, campaign execution, and partner development.

Before joining three+one, Samantha acquired experience in the out-of-home, digital, and television advertising space. Her experience comes from having been on both sides of the table- as a media seller and at the agency level, bringing unique qualifications to the three+one team.

A proud graduate of St. John Fisher, Samantha received a B.S. degree in Sport Management and minored in pre-law before finding her passion for marketing strategy. Samantha has a strong appetite for knowledge and is a constant student, interested in learning anything and everything people are willing to teach her. In her spare time, Samantha enjoys spending time with friends and family, practicing yoga, and working on personal development.

Joseph Rulison

CEO and Co-Founder

Joseph Rulison’s multi-faceted career in the financial services sector gives him an expansive viewpoint and breadth of knowledge matched by very few. Since his graduation from St. John Fisher College in 1978, Joe’s professional journey has taken him from being an account executive at Prudential-Bache Securities to his current position as CEO and Co-Founder of three+one, a liquidity analytics and data provider to public entities, higher Ed, and banking institutions throughout the United States.

As President and CEO of Rulison & Company, Joe created a product called Muniflow that helped governmental entities invest their funds without jeopardizing their cash liquidity needs. In 2001, Joe sold Muniflow to Bank of America and served there as Market President in the Rochester, NY region while rolling out his product line throughout the bank’s national footprint.

From 2009 until the launch of three+one® in 2014, Joe managed the J. P. Morgan’s Private Bank in Upstate New York. In this capacity, he managed the Upstate New York team covering Trusts, Estate, Investment Management, and Custody of assets for high net-worth individuals and non-profit organizations.

Joe’s commitment to the community is vast. He is currently a Board Member and Treasurer of the Monroe County Water Authority, Board Member to VisitRochester, and Trustee to the University of Redlands in Redlands, CA. In addition, Joe has served as Chairman of the Board to St. John Fisher College, former Chairman of the County of Monroe Industrial Development Agency (COMIDA), as Chairman of the Board of Trustees for Geva Theatre and a member of the Town of Brighton, NY Town Board. In 2006, Joe received an Honorary Doctor of Laws degree from St. John Fisher College for his work on behalf of the College and the Rochester Community. In 2017, Joe was recipient of the Distinguish Alumni Award from his high school, Christian Brothers Academy, for his commitment to helping others achieve their goal.

Edna Teresi

Client Service Associate

Edna brings a diverse background in the financial industry to three+one®, including positions in both the private and public sectors. Edna began her career by honorably serving in the United States Marine Corps for four years.

For another eight years, she worked as a legal and administrative assistant for the U.S. Treasury Department in New Jersey. She then moved into the private sector, advancing from Compliance Analyst to Senior Administrator in Internal Compliance for Schwab Capital Markets. From there, she continued her work as a Compliance Specialist for JP Morgan Chase. Outside of her work in the financial industry, Edna is a health and wellness coach and a martial arts trainer.

LaTonya Youmas

Client Service Associate

LaTonya currently resides in Rochester, NY, with her husband, Roger and two daughters. She joins three+one with over 25 years of banking experience with JPMorgan Chase. While employed at JPMorgan Chase, she served in various roles such as; Team Leader (Personal Credit Services), Supervisor (Correspondent Mortgage), and Client Service Associate (Middle Market area covering municipal and government clients).

LaTonya is a proud alumnus of Livingstone College (Salisbury, NC), where she earned her Bachelor of Science degree in Political Science.

Jacob Wales

Financial Analyst

A mathematician by education and training, Jacob joins the three+one team as a financial analyst. With experience in both higher education through his intensive research, and a post-academic career in the private sector as an accountant, he is well-positioned to understand and provide critical insights to the financial health and liquidity management of three+one partners.

Jacob attended Rochester Institute of Technology having earned both a bachelor and masters of science degree in applied and computational mathematics. While at RIT, he was a leading contributor to team-development of a model used to perform predictive analysis within networks to reduce costs and limit inefficiencies. Continuation of this work is pivotal to the financial well-being of three+one’s clients and their stakeholders.