People

Emir grew up in Sarajevo, Bosnia, the city that he loves and that he as a young adult, helped defend through-out its long siege during the Bosnian War. After the war was over, he hung up his uniform and decided to continue his education in the United States. He transferred from the School of Economics of Sarajevo University to State University of New York. As an alumnus of State University of New York, College at Brockport with a double-major in International Business and Political Science, Emir continued to expand his learning by completing his MBA from the Rochester Institute of Technology with a concentration in Finance.

Emir’s interest in the risk management side of the banking and investment industry kept him employed at different positions in regional and global commercial banks in Rochester, NY during his studies. While working in Wealth Management firms of large commercial banks, he developed a background that enables him to provide wealth plans that include access to lending services through Wells Fargo affiliates, cash management, estate planning strategies, and customized investment strategies. As a member of the financial industry since 1998, Emir has advised and helped his clients to plan their future. In 2015, Emir earned his certificate in risk investment management from the Yale School of Management-EDHEC-Risk Institute in Risk and investment management. Emir is firmly committed to long term relationships and strives to deliver exceptional service. He listens carefully to client’s goals, values, aspirations and concerns and works to help them in achieving their financial objectives. He is an avid boating and motorcycling enthusiast. In his words, his family time is best spent traveling, skiing or on the water. Emir lives in East Aurora, NY with his wife Amela and their two boys.

Amela was born and raised in Bosnia, where her parents and sister still live. She attended Dental School of Sarajevo University and then transferred to State University of New York, after the war in Bosnia ended. Amela received her Bachelor degree in International Business and Political Science from College at Brockport. She then began her studies in finance at Rochester Institute of Technology and received her Master's in Business Administration.

Early on in her career Amela became fascinated and inspired by the personal finance aspect of the financial industry. While working at a regional bank, Amela recognized her passion for helping people make the right, well informed, choices so they can be financially independent and seek to create and preserve the legacy they envisioned. Her focus on comprehensive wealth planning involves the development of a holistic and disciplined approach to client's balance sheet, to help ensure that each client's individual needs and goals are met. Amela's extensive knowledge and experience in wealth planning, focusing on retirement and estate goals, complements our investment management and allows our group to help provide wealth planning to our clients.

She lives in East Aurora, NY with her husband Emir and sons, Mirza and Amar. Amela's hobbies are skiing, traveling, fashion and politics.

As a graduate of Mercyhurst University, Matt earned a B.A.A. in Finance and Management as well as competed for a national title with the Men’s Soccer Team. In 2007, Matt began his career in the Investment Planning industry, where he developed his skills as a Relationship Manager for high net worth clients. Matt joined Morgan Stanley as a Financial Advisor in 2012 and achieved his Certified Financial Planner™ certification in 2013. His continued drive for success, intellect, and competitive nature creates the proper foundation to pursue a career as a financial advisor as well as the ground work for opening a private Wealth Management Practice with his partners. As a partner at Culov Wealth Management, Matt currently focuses on helping to develop a holistic approach to retirement, and estate planning strategies in order to pursue his client’s financial aspirations. Partnering with one of the top tier firms gives his clients the opportunity to remain at the forefront of trends, changes, and best practices shaping the financial services industry.

Matt currently lives in Clarence, NY, with his wife and two children, where they enjoy spending time with family and friends. Matt is an avid boater and water sport enthusiast. Aside from boating, Matt’s hobbies include playing soccer, golf and brewing his own craft beers.

Before beginning his career, Michael grew up locally in the Town of Tonawanda and enjoyed playing hockey, baseball, and golf. That passion for sports led him to Canisius College where he graduated with a dual major in Finance and Economics while being a member of the Division I Golf program. In his time at Canisius, he found his passion for market research. He began translating the results of that research into consumable information improving decisions on current and future investments. From there, not wanting to stop doing what he enjoyed, he got a job at Citi Global Markets as a trading operations analyst where he covered the ETF trading desk and other institutional business lines that exposed him to valuable market knowledge.

Allison has worked in the financial industry since 2011. She has been a part of this team since 2013, crossing over from the banking environment to the wealth management field. She is the center hub of our team, putting our client’s service needs to the forefront. With her positive and energetic demeanor, she continues to build and maintain lasting relationships helping clients reach their life goals. Our clients appreciate having someone they can count on who is committed to providing such a high level of personal, attentive service. Allison also plans the numerous events that Culov Wealth Management hosts throughout the year.

Allison grew up in WNY in a very loving, family-oriented home, where they were raised to be kind to one another, enjoy life and travel the world. This upbringing has developed her into the caring person she is today. She enjoys traveling, gardening, and spending time with those that mean the most to her, especially her daughter, Dolly.

Mary comes to us with great enthusiasm and a smiling voice on the other end of the line. She has over 15 years of experience in customer service relations. Mary takes pride in working with our clients on the things that mean the most to them and she is eager to learn and develop lasting relationships.

Mary resides in Hamburg, NY with her husband and 2 sons. She enjoys spending time with her family, traveling and adventuring. She has spent the majority of her life in the fire service and continues to serve the community in the most compassionate of ways.