Our Team

The partners and associates of Adaptive Wealth Managementhave spent over 100 collective years helping people improve financial security in their lives. Representing multiple generations, we are uniquely prepared to help our clients deal with all aspects of their lives.



Chris Leavay, Managing DirectorChris Leavay, Managing Director, began his career at Deloitte & Touche LLP in 1995 as a Certified Public Accountant. Chris continues to hold his CPA license, although not currently practicing. Chris spent three years advising clients on their financial statements. Chris then provided due diligence services to numerous private equity clients of Deloitte's Merger and Acquisition Group. Chris joined Smith Barney in 2004 and developed a comprehensive financial advisory practice, where he was a financial planning specialist. Chris is married and lives in Fairfield, CT. He has four children. Chris holds his series 7, 24 and 66 securities registration as well as life, health and annuity licenses.


Al Kruger, Managing DirectorAl Kruger, Managing Director, brings to our clients a special blend of sound business experience and a keen understanding of life's challenges.  Al joined Shearson Lehman Brothers in 1985 following a 20 year entrepreneurial career as a producer of soaps, toiletries and proprietary drugs.  Prior to that, Al spent another 10 years as a sales and marketing executive with several nationally known organizations.  Al is married and lives in Armonk, NY.  He has two children and several grandchildren. Al holds his series 3,7,63 and 66 securities registrations as well as life, health and annuity licenses.


Karolyn Morigi-Armstrong, Financial Advisor, Vice PresidentKarolyn Morigi-Armstrong, Financial Advisor, Vice President, joined AWM from Morgan Stanley Smith Barney, where she spent the past 12 years.  Karolyn has been in the financial services industry for over 30 years including 8 years with Paul Morigi and Company, a family-owned broker dealer that merged with Gintel and Company.  Karolyn brings a wealth of knowledge and experience to the AWM team.  Karolyn has 3 children and understands what it takes to balance her personal and business life.  Karolyn enjoys speaking on the subject of "balance" in your financial and personal life.  Karolyn holds her series 7, 65, life health and annuity license.


Joe Marraccino, Financial Advisor, called the Federal Reserve Bank of New York home for over 20 years, where as an official and top administrator, he evaluated and presented financial and risk information to help the organization make sound business decisions. Now, he uses these same skills to help clients with objective, holistic financial advice and strategic investment management. Joe graduated from Cornell University with a degree in Applied Economics and from Fordham University with an MBA in Finance. In his community, Joe is board member for Grace Church and a multi-youth-sports coach. Previously, Joe graduated from the Leadership Rockland program and served as a long-time Little League Board member. Joe and his wife, Jen, live in Nyack, NY where they raise their four children who span from school grades kindergarten to high school. Joe holds his series 7 and 66 securities registrations.

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