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. 

CA Insurance License number: 4033995. Resident state: DE


_{* The Premier Advisor distinction is held by a select group of Financial Advisors within Wells Fargo Advisors Financial Network as measured by completion of risk and compliance training, business production based on the past year and professionalism. Net asset flow (NAF) 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 Senior Financial Advisor and CERTIFIED FINANCIAL PLANNER™ (CFP®) professional, a certification 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: 4034671. 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 Registered Principal. 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™ certification. 

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

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. 

Vince obtained the Certified Investment Management Analyst® certification, the only credential designed specifically for financial advisors and investment consultants. The CIMA certification identifies individuals who have met extensive experience and ethical requirements and successfully completed advanced investment management consulting coursework provided through one of the top business schools in the United States.

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.

CA Insurance License Number 4180273

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 was issued on January 27, 2020 by Five Star Professional (FSP) through August 28, 2020. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. The award is based on 10 objective criteria. Eligibility criteria – required. 1. Credentialed as a registered investment advisor or a registered investment advisor representative; 2. Actively licensed as a registered investment advisor or as a principal of a registered investment advisor firm for a minimum of 5 years; 3. Favorable regulatory and compliant history review (As defined by FSP, the wealth manager has not; A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or a payment of a fine; B. Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed or denied complaints with any regulatory authority or FSP’s consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through FSP’s consumer complaint process; feedback may not be representative of any one client’s experience; C. Individually contributed to a financial settlement of a consumer complaint; D. Filed for personal bankruptcy within the past 11 years; E. Been terminated from a financial services firm within the past 11 years; F. Been convicted of a felony; 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria – considered: 6. One year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary clients assets administered; 9. Number of client households served; 10. Education and professional designations. FSP does not evaluate quality of services provided to clients. The award is not indicative of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore not manage their clients’ assets. The inclusion of a Wealth Manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by FSP or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by FSP in the future.

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.

Visit https://www.fivestarprofessional.com/

Kathleen Harrell brings more than 15 years of customer service and operational experience to her role at Heirloom Wealth Advisors. She grew up working for her parents’ business and has always valued excellent customer service coupled with a hard work ethic.

Prior to joining Heirloom, Kathleen worked for a non-profit organization as the Director of Operations and Office Manager. She also lived in Mexico for two years, working with a humanitarian organization which built homes in rural areas and provided services to the community.

In 2023, she received her Master of Arts in Leadership from Sioux Falls Seminary in South Dakota. She is a lifelong learner passionate about personal growth. Raised in Lancaster, PA, she now resides in Newark, DE, with her husband, Joe. In her spare time, Kathleen enjoys gardening, taking walks with her dog, and tackling home renovations.

Joe Reilly believes that trust and clear communication are the two most essential aspects in crafting successful partnerships. He knows that each client relationship requires a great deal of active listening to fully understand a client’s goals and build a wealth management strategy to realize them.

Joe started his career in financial services in Baltimore with Wells Fargo Advisors, learning how to service high-net-worth individuals. In 2020, he joined Equitable Advisors in Arlington, VA, working closely with educators to plan for retirement and with accounting professional executives to make tax-efficient investment strategies. In July of 2021, he joined Heirloom Wealth Advisors to learn more about comprehensive investment planning and what it means to build and protect wealth.

He graduated from the University of Maryland with a double major in finance and marketing. In his spare time, Joe enjoys coaching and playing lacrosse and traveling.