Charles J. Gonsalves, MBA

Managing Director of Professional Practice

Charles J. Gonsalves is our Managing Director of Professional Practice. His focus within the firm is strategic event planning initiatives, firm expansion and client acquisition. Additionally, his role is working with clients in the areas of retirement income planning transition, asset management, and legacy planning.

His mission is to  assist our clients in achieving their goals of financial independence and creating a rewarding quality of life.

Charles’ career has given him experience in two distinct disciplines; education and accounting. Early in his career, Charles worked 4 ½ years in public accounting and corporate audit. Charles then went on to serve 30 years as an educator with New York State Public Schools on Long Island and in New York City. Charles’ roles in the educational system included positions as Teacher, Assistant Principal, Principal, and Director of Health, Physical Education and Athletics. Additionally, combining both disciplines, he served as an Adjunct Professor of Accounting at St. John’s University in New York. After closing out his career as an educator, Charles returned to financial services. Here he gained experience with Investment Banking and Insurance firms as a Registered Representative/Financial Advisor.

Charles earned his BA in Science and Physical Education from SUNY Oneonta. He then went on to earn an MBA in Accounting from Long Island University, a CAS from City College of CUNY in Educational Administration and Supervision and an Ed.M. in Educational Leadership from Columbia University. 

Along with Charles’ professional interests, he has been involved with USA Hockey as a Level 5 Master Coach for Youth Development programs and Power Skating/Tactical Skills Coach for 23 years. Prior to that he coached at the high school level for 7 years. He served for 10 years as a volunteer with the Boy Scouts of America as an Assistant Scoutmaster and Merit Badge Counselor mentoring many scouts, including his 2 sons who achieved the rank of Eagle Scout.



  • BA in Science and Physical Education from SUNY Oneonta
  • MBA in Accounting from Long Island University
  • CAS from City College of CUNY in Educational Administration and Supervision
  • Ed.M. in Educational Leadership from Columbia University

Areas of Expertise

 Charles' focus within the firm may be strategic event planning initiatives, firm expansion, and client acquisition, however his focus with his clients are:

  • Retirement Income Planning Transition

  • Asset Management

  • Legacy Planning

Professional Credentials

  • FINRA Series 6, Investment Company Products/Variable Contracts Representative

  • FINRA Series 63, Uniform Securities Agent State Law

  • Life, Accident and Health Insurance License- Variable Life/Variable Annuities, NYS- Series 10-55

  • Property and Casualty Insurance License- NYS- Series 10-56

  • The College for Financial Planning- Chartered Retirement Planning Counselor (CRPC) - Pending

  • The American College- Program Coursework

Retirement Solutions, LLC offers convenient meeting locations in Saratoga Springs, New Hartford, Syracuse and Commack, NY


Charles J. Gonsalves is a Registered Representative of Hazard & Siegel, Inc. Securities are offered through Hazard & Siegel Inc., 5793 Widewaters Parkway, Syracuse, New York 13214. Member FINRA/SIPC. Advisory Services offered through Hazard & Siegel Advisory Services, LLC, an SEC Registered Investment Advisor.