Who we are

Main Office – Wilmington, DE


Dennis Valentino believes that integrity, honesty, and personal responsibility are as vital in business relationships as they are in other areas of life. This mindset has guided his commitment to putting clients’ needs and interests first for over two decades now. 

Dennis started his career at Legg Mason in 1995 when he moved to New York City and spent five years with the company learning the fundamentals of wealth management. In 2001, he joined Prudential Securities – the predecessor to Wells Fargo Advisors – honing his ability to implement strategies for a diverse array of investment planning and portfolio needs. 

In December of 2014, Dennis branched out to Heirloom Wealth Advisors and founded his current, independently-run office, which now focuses on the specialized needs and goals of his high-net-worth clients

Dennis has been named one of the Premier Advisors for 2012, 2013, 2016, 2017, 2018, 2019, 2020 and 2021.* 

Outside of work, he enjoys spending time with his wife, Nohora, as well as running, snowboarding, ice climbing, participating in triathlons, and reading. 



_{* The Premier Advisor distinction is held by a select group of Financial Advisors within Wells Fargo Advisors Financial Network  as measured by completion of educational components, business production based on either of the past two years, and professionalism. Additional criteria, including length of service, may also be used to determine recipients.}

Wilmington, DE


Irina Khaliava is dedicated to building lifelong relationships with her clients and helping them succeed financially. She believes providing superior service and following through on her commitments are essential to establishing long-lasting relationships with the people she serves.

Irina started her career in financial services working for Wells Fargo Bank for seven years, where she held various positions, including Premier Banker. Before joining Heirloom Wealth Advisors, Irina worked for Wells Fargo Advisors as a Financial Advisor, where she advised and educated her clients about retirement, investments, planning, and insurance. 

Born and raised in Belarus, Irina graduated from the Academy of Public Administration in Minsk with a bachelor’s degree in management and information resources. After immigrating to the United States, she attended Delaware Technical Community College, where she earned an associate’s degree in accounting. Irina is fluent in English, Russian, and Belarusian.

Outside of work, Irina loves spending time with her family. She enjoys travelling and exploring new places around the world, learning about geography as she goes. She has recently uncovered a passion for weaving, and in her free time, she creates projects using her floor loom.

Joe Durney brings a diligence, resourcefulness, and strong work ethic to investment analysis that defines his career and his ability to build strong, lasting client relationships. 

Joe began his financial services career at Merrill Lynch in 2005 and spent the next eight years there developing a structured method to planning. He cultivated skills that enabled him to create personalized wealth strategies for clients with wide-ranging goals and objectives. 

He joined Wells Fargo Advisors Financial Network in 2013 and has continued to demonstrate a detailed and disciplined approach to helping clients with their investment, risk management, and estate investment planning needs.

Joe is a is a Senior Financial Advisor and CERTIFIED FINANCIAL PLANNER™ (CFP®) professional, a designation awarded by the Certified Financial Planner Board of Standards, Inc., that helps him advise clients in all aspects of their investment plans, rather than focusing in just one area. He graduated from Wesley College where he received a bachelor’s degree in accounting, and he now lives in Wilmington, DE, with his wife, Jillian, and their two sons, Joey and Jake.

CA Insurance License Number: 403671. Resident State: DE

Wells Fargo Advisors and its affiliates do not provide legal or tax advice. Any estate plan should be reviewed by an attorney who specializes in estate planning and is licensed to practice law in your state.

Main Office – Wilmington, DE


Patrick Dougherty graduated from Berklee College of Music with a degree in music production and engineering. He immediately moved to New York City to embark on a career as a professional musician and found success touring and recording for Warner Brothers Records. He then transitioned to advertising as an executive producer for Commercial Photography in New York City and Los Angeles, managing multimillion-dollar productions, budgets, and project logistics for large national companies. Both of these career paths have helped to hone Patrick’s ability to remain steady and focused in fast-paced, high-pressure, and ever-changing environments. 

In 2017, Patrick brought his sharp organizational and project management skills to Wells Fargo Advisors Financial Network when he joined Heirloom Wealth Advisors as the team’s Branch Administrative Assistant. He focuses on technological updates and implementing efficient workflow strategies for the team. In 2021, Patrick successfully completed the national examination to achieve the CERTIFIED FINANCIAL PLANNER™ (CFP®) certification. 

In his free time, Patrick enjoys playing music with his wife, Emily, as well as cooking and travelling. 

Wilmington, DE


Vincent Gulotti is a 20-plus year financial executive with experience in financial advisory, investment banking, private equity fund management, and non-profit financial leadership. Vince is involved in all steps of Heirloom’s client advisory process, including working with operations, preparing proposals for clients, conducting investment research, and executing market and strategy reviews. 

Prior to joining Heirloom, Vince managed a joint venture that invested in single-family rental housing. He was the CFO of a company that owned and operated two continuing care retirement communities and oversaw a portfolio of municipal bonds backed by senior housing facility real estate and cash flow. 

Vince earned a master’s degree in finance from American University and a bachelor’s degree in history from the University of Delaware. Vince has been married for nearly 25 years and has two children. In his spare time, he enjoys reading, playing guitar, and rowing.  

Passionate about his community, Vince serves as the treasurer of the Cab Calloway School Fund, a non-profit organization that supplements the cost of arts-based education and provides programming, outreach, and scholarships to underserved community members.

Main Office – Wilmington, DE


Craig Lusco believes that understanding clients is the most important aspect of his profession. In every client relationship, he values listening, as it is essential to cultivating a trusted relationship in which he helps clients crystallize their visions for the future by developing wealth management strategies. 

Craig earned a bachelor’s degree in finance from Towson University in 1997. He practiced comprehensive wealth management for 20 years, beginning with an internship at Merrill Lynch his senior year of college. Craig is particularly proud of his focus on continuing education to deepen his understanding of wealth management. In 2021, Craig successfully completed the national examination to achieve the CERTIFIED FINANCIAL PLANNER™ (CFP®) certification. 

Raised in Hartford County, MD, Craig now resides in York, PA, with his wife of 17 years, Angela. Together, they have three children and two Labrador retrievers. 

Craig’s passion for sports, gardening, and cooking account for most of his free time. When he isn’t coaching his children in wrestling or soccer, he is actively involved in three different soccer leagues in south central PA. He also enjoys going to concerts and listening to live music.

Lewes, DE


Larry Murphy entered the financial services industry in 1983 and immediately began growing his skills to help individuals and corporations build wealth through sound financial and investment strategies. 

Before joining Wells Fargo Advisors in 2007, Larry worked for nearly a decade as a Vice President – Investments with UBS Financial Services in Vienna, VA. He also held positions at Prudential Securities and Legg Mason Wood Walker. Having joined the Wells Fargo Advisors Financial Network, he continues to serve his clients by helping them create personalized portfolios and executing strategies that fit their goals, needs, and lifestyles. 

Larry holds a master’s degree from George Washington University’s Elliot School of International Affairs and a bachelor’s degree from Olivet College in Michigan. He is proud to have been named one of the Five Star Wealth Managers for the years of 2015-2018. 

Larry formerly served as a board chairman of the Vienna Tysons Chamber of Commerce and chairman of the Public Policy Committee. He also served for eight years on the George Washington University Alumni Board of Directors. 



The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Active as a credentialed professional in the financial services industry for a minimum of 5 years; 3. Favorable regulatory and complaint history review (unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process*); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients; 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or awarded. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The award methodology does not evaluate the quality of services provided and is not indicative of the winner’s future performance. For 2020, 2,535 Washington, D.C. area wealth managers were considered for the award; 115 (5% of candidates) were named 2020 Five Star Wealth Managers. *To qualify as having a favorable regulatory and complaint history, the person cannot have: 1. been subject to a regulatory action that resulted in a suspended or revoked license, or payment of a fine, 2. had more than three customer complaints filed against them (settled or pending) with any regulatory authority or Five Star Professional’s consumer complaint process, 3. individually contributed to a financial settlement of a customer complaint filed with a regulatory authority, 4. filed for bankruptcy, or 5. been convicted of a felony.

2020 - 2,535 Washington, D.C. area wealth managers were considered for the award; 115 (5% of candidates) were named 2020 Five Star Wealth Managers.
2018 - 1,975 Washington, D.C. area wealth managers were considered for the award; 100 were named 2018 Five Star Wealth Managers.
2017 - 1,417 Washington, D.C. area wealth managers were considered for the award; 106 were named 2017 Five Star Wealth Managers.
2016 - 1,665 Washington, D.C. area wealth managers were considered for the award; 208 were named 2016 Five Star Wealth Managers.
2015 - 1,837 Washington, D.C. area wealth managers were considered for the award; 227 were named 2015 Five Star Wealth Managers.

Annapolis, MD


Michelle Pena brings over 25 years of customer service and operational experience to her role at Heirloom Wealth Advisors. She works closely with Tom Judge to assist clients with various servicing and operational needs, always with the goal of exceeding their expectations with every interaction. 

Michelle began her career in the banking industry at SunTrust Bank in 1993, where she held various positions before transferring to SunTrust Investment Services. In 2014, she began working with Wells Fargo Advisors on the client support team. 

Michelle attended Fairmont State University in West Virginia. She holds a Maryland Life license and is a notary for the state of Maryland.

In her free time, Michelle enjoys travelling with her spouse and three grown children, their favorite vacation spot being Culebra, PR. She also enjoys cooking and photography.

Michelle is passionate about volunteering with the Special Olympics of Anne Arundel County, MD, where she has been serving since 2011. She and her family enjoy coaching and assisting with multiple sports in the Special Olympics, including the Plunge and Torch Run, and Michelle sits on the Fundraising Committee.

Annapolis, MD


With over 35 years of experience in financial services, Thomas Judge is dedicated to helping individuals meet their financial needs by developing investment plans centered around their long-term goals and risk tolerance. Tom enjoys following value analysts and investors, and he has found a formula that encompasses enterprise valuation and technical indicators that he utilizes in his work. Through his extensive experience and continued research, he helps clients structure balanced portfolios that address their specific financial goals. 

Tom began his financial career as an Account Executive with Legg Mason. He then joined A.G. Edwards, where he worked for 20 years before moving his practice to the Wells Fargo Advisors Financial Network. Backed by a full-service investment firm, Tom has access to an array of resources and strategies  that help him serve his clients and their success.

Tom earned his bachelor’s degree in finance and economics from Towson University. He now resides in Annapolis with his wife, Pam. Away from the office, he enjoys boating, hunting, fishing, ice hockey, photography, and spending time with family. 

Committed to helping his community prosper, Tom is active with the Annapolis Yacht Club and Navy Youth Hockey. He also supports the University of Maryland’s Greenebaum Comprehensive Cancer Center, the Leukemia and Lymphoma Society, and St. Mary’s Catholic Church.