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20 Corporate Woods Boulevard - Loudonville, NY 12211 - (518) 449-9762 

4 Jefferson Plaza - Suite 300B - Poughkeepsie, NY 12601 - (845) 452-4844
10 Oakland Avenue - Warwick, NY 10990 - (845) 986-7212
106 Main Street - Kingston, NY 12401 - (845) 481-4486


BPS Financial Services has installed and provides administration and service for a variety of benefit plans in over 100 health related facilities and other organizations throughout New York, Vermont, and Western Massachusetts. Harvey L. Bowks, CLU, ChFC, AIF and Richard L. Capullo, MSFS, ChFC, CLU the founders, have over 50 years of combined experience in the financial services field.

Harvey Bowks, CLU,ChFC, AIF

President, Regional Director

(518) 449-9762 x108

(518) 449-9760

Mr. Bowks has earned the Chartered Life Underwriter and the Chartered Financial Consultant designations and is a registered representative and Investment Advisor Representative of Cetera Advisor Networks. He is a member of the National...

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Albany Office

Richard L. Capullo, MSFS, ChFC, CLU

Registered Representative

(518) 449-9762

(518) 449-9760

Mr. Capullo has earned the Chartered Life Underwriter, the Chartered Financial Consultant and Masters of Financial Services designations and is a registered representative and Investment Advisor Representative of Cetera Advisor...

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Carol Bergeron

Office Manager - Albany Office

(518) 449-9762

(518) 449-9760

Carol is the Office Manager at Benefit Planning Services. She holds a degree in Management and a Masters of Science. She has over twenty five years of business experience. Her responsibilities include managing the administrative staff...

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Sunny DeLory

Client Service Associate - Albany Office

(518) 449-9762

(518) 449-9760

Sunny joined Benefit Planning Services in the fall of 1999. She has worked in the financial services field for twenty five years. At BPS she plays a key role in customer relations for the firm. She manages our customer service...

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Kingston Office

Linda Martin

Client Service Associate - Kingston Office


Poughkeepsie Office

Maureen Lake

Registered Administrative Assistant - Poughkeepsie Office



Maureen J. Lake Registered Administrative Assistant - Maureen manages all the day-to-day operations of the Poughkeepsie office (formerly Silverman Wealth Management), including client related services. She also assists Mr. Bowks...

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Warwick Office

Susan Perry

Registered Representative - Warwick Office

Lisa Pacelli

Administrative Assistant - Warwick Office