Simple Solutions in a world of complexity.

About Us

First Manhattan Financial is a full service financial organization focused on helping people plan custom solutions for corporate and individual clients. We strive to understand your goals, values, existing strategies, before we create a long-term strategy while keeping tax strategy, risk management, wealth preservation, and growth in mind.

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Our History

We are committed to building relationships based on trust, sound professional advice, continual communication and prompt personal service since 2003. We offer our clients in setting and monitoring personal and business goals and while keeping them informed throughout the planning process.

What distinguishes us is our personalized approach to helping our clientele. Perhaps it’s our full range of our unique plan designs and sound objective solutions. Or our relationships with some of the most respected CPA’s, Attorneys, Health Professionals and Business Owners we’ve established. The truth is; it’s all of these – backed by the full commitment of our firm.

Currently delivering customized solutions in, New York, New Jersey, Connecticut, Maryland, Florida, California, Virginia, and Texas with partners in every state and international.

The degree of personal attention we provide our clients is a hallmark of the company. Each one of our clients may be confident in making us their choice for all their insurance needs. We firmly believe in upholding the highest standards of integrity in all our endeavors, and it is our vision to maintain quality assurance in every situation.

Our Team

Mariia Illarionova-Williams

Partner, Head of Medicare Department at First Manhattan Financial, Mariia is dedicated licensed insurance professional with 10 years of experience in Medicare industry. Mariia works and trains agents in our team, she served 15000+ Medicare Eligible consumers by educating them on Medicare Advantage, Medicare Supplement, Special Needs Plans and Prescription Drug Plans. She is well known in Russian and Ukrainian Community because of her origin. Mariia has been conducting Community Meetings for Medicare Beneficiaries for 10 years mainly in Brooklyn area. As one of top agents in North-East she is a member of New York Broker Council 2016 and 2017.
Languages: Russian, English, Ukrainian

Matin Rahmani

Matin Rahmani is the Chief Executive Officer of First Manhattan Financial he began in 2005.
Mr. Rahmani has received numerous awards from Fortune 500 companies such as MetLife Triple Crown Award, Million Society, Leaders Conference Qualifier, John Hancock’s Agent of the Year Award, Lives Leader, and Sales Manager of the Year Award, Mass Mutual’s Sales Manager of the Year award and numerous Sales Manager Summit Qualifications. Additionally, Mr. Rahmani has served as a Panelist at the Breaker’s Resort at the Mass Mutual’s Sales Manager Summit and presented nationally to the General Agents and Corporate Management Team of Mass Mutual on Corporate Diversity in Boston.
On his free time Mr. Rahmani volunteers for Kiwanis International which he has received a Recognition Award for, and Mr. Rahmani also volunteers and is a certified community consultant with the Power of Working Together (POWT) a nonprofit focused on assisting college bound students and their families with the process of getting into and funding the college of their choice.
Mr. Rahmani is responsible for Strategic Tax Planning thru Define Contribution and Define Benefit Plans, Estate Planning, and Managing First Manhattan’s Insurance Brokerage who are General Agents for over 45 Major Carriers. Mr. Rahmani has a BA in Economics with a minor in Corporate Finance from Queens College and currently holds series 6, Series 7, Series 63, and NYS Life/Accidental and Health/Variable Life/Variable Annuities Licenses. Mr. Rahmani has qualified for Million Dollar Round Table (MDRT), a member General Agent Managers Association International (GAMA).

Maryam Rahmani

Maryam Rahmani started her career in a fashion district as an entrepreneur, who owned her own textile company. In 2013, she decided to pursue a career in Financial Services Industry, therefore getting licensed with Department of Financial Services in NY State. Since then, she was a Financial Representative for MassMutual and decided to go independent shortly after. She now serves as the Managing Director for First Manhattan Financial. She has supported “Women for Afghan Women”, “Gascov Clerge Foundation” and the “Hispanic Chambers of Commerce” as a Member and a Supporter. Maryam also currently serves as the Principal of the Independent Marketing Organization for UnitedHealthcare® Insurance Company. She is very passionate about helping Medicare Eligible consumers navigate through the Medicare process, Life Insurance Planning, and Disability Insurance Planning.

Vladylena Deshko

Vlada Deshko is the office manager for First Manhattan Financial with over 3 years’ experience as executive administrative roles. Vlada is in charge of customer relations, event coordinations, and she supports the executive sales team. Vlada has comprehensive experience in the medical industry which is the reason that she makes a terrific team member for the Medicare division. Vlada speaks Russian, Ukrainian and English languages.

Bruno Silva

Mr. Silva entered in the insurance industry in 2014, where he acquired a vast experience in Life, Health and Disability  Insurance, acquired on Combined Insurance . Bruno started Medicare career in 2016 with Humana. Mr. Silva joined First Manhattan Financial in 2017, to become an independent agent where he could offer clients more options and a better overall service towards his clients. Originally from Brazil Mr. Silva is fluent in English, Portuguese and Spanish.

Aleksandra Parizher

Aleksandra Parizher, MA in arts.
Was a buyer of top luxury jewelry for 17 years.
Health and Life insurance professional since 2012.
Top Producer Runner in Health insurance.
Fluent in English, Russian and French.

Retirement, Corporate and Individual Solutions

Retirement Planning can seem complex: 401K, 403b, 457, SEP, Profit Sharing Plans, IRAs, Roth, Traditional… Our goal at First Manhattan Financial is to simplify the process for you. Our approach is to meet with you, possibly your CPA or Tax Attorney and create a plan that minimized administrative and investment expenses in achieving your ultimate goal of financial freedom while keeping tax strategy at the top of our list.

Retirement is one of the main focuses of our firm and we have relationships with some of the top actuary firms. As our client you will have the privilege of direct access to our actuary partners, and not only the top but the largest institutional money managers in the world are including Blackrock, Vanguard…

Retirement Rollovers

Rolling over a 401(k), IRA, or other retirement account involves transferring the holdings from one qualified retirement investment to another qualified retirement investment. When done properly, rollovers can be completed without incurring any additional taxes or penalties.

Qualified retirement investment accounts include, but are not limited to:

401(k) and Roth 401(k)

IRA and Roth IRA



There are a number of situations in which a rollover is suitable. Whether you have suffered the loss of a job or have changed jobs and need to consolidate your retirement investments, we can help. We can inform you about qualified investments and rollover options that will best meet your needs while minimizing or alleviating associated taxes and penalties.

We work with all investment companies on a market and we dedicated to help you make a right choice.

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Fixed Annuities

Fixed annuities are a good investment for those looking for a safe, tax-advantaged way to earn a guaranteed return on retirement savings needed soon.
A fixed annuity (MYGA) is a tax-deferred retirement savings vehicle that provides fixed asset accumulation, much like a CD.
The interest earned in your fixed annuity is not taxed until withdrawn, and your principal is guaranteed.

Guaranteed, Strong Return

The money you invest in a fixed annuity will accumulate at a fixed rate, which is specified upfront and guaranteed for the entire contract. Fixed annuities generally offer higher rates than CDs with the same contract length.

  • Tax-Deferred Growth
    From the government’s perspective, an annuity is a retirement savings vehicle. As such, it receives similar tax treatment as IRAs: no taxes are paid until distributions are made. For a fixed annuity, this means that interest will accumulate and compound without incurring annual taxes, as is the case for a CD.
  • Principal Protection
    Unlike with most other investments, there is no market risk associated with a fixed annuity. Your principal is protected and guaranteed to accumulate at a fixed rate, making MYGAs a good place to park money you’ll need in the near future.
  • Some Liquidity
    Fixed annuities provide some liquidity, typically making 10% of the contract’s cash value available penalty-free annually if you’re over 59½.
  • Simple & Easy to Understand
    There are a lot of complex products, but a fixed annuity is one of the simple ones. Assuming you leave your money in the fixed annuity until maturity, all you need to know is (1) how long until your money is available and (2) what your return will be over that period. There are no hidden fees that you need to worry about.

How Can I Buy a Fixed Annuity?

At First Manhattan Financial, we offer fixed annuities from more than 15 top rated insurance companies. Click below to get real-time interest rate quote.

Free Annuity Quote Now

What are the maximum Annual contribution amounts?


We recommend that you start your Medicare planning with us at least three months before your Medicare eligibility. This gives you time to sign up for Parts A and B with Social Security, and then decide what types of other coverage you need.
As your independent health care resource, we can offer you Medicare plans from dozens of private insurance companies.
So, you are guaranteed to get the plan that may be best for you.

How to apply for Medicare Part B in New York State during Coronavirus?

During this challenging time, we want to give you tips on how Medicare Part B applications are processed in Brooklyn, Manhattan, Queens, Bronx and Staten Island as well as Long Island, Upstate and Westchester.

If you already have Medicare Part A and loosing your group coverage or COBRA you will need to apply for Part B. Social Security Offices are closed, but they are working behind closed doors. There is no option on adding Medicare Part B online.

You will need to get 2 forms filled out. One is filled by you, another from is filled by your employer.
You can download these forms here


When you are ready with the forms you can fax them directly to your local Social Security Office with the cover letter that will include your name, SSN and your phone number.

Find Your Local Social Security Office Info

During this time, we are here to answer any questions you may have and guide you through the process.
We can help you compare and find available plan in your area that fits your needs. Weather it’s Medicare Supplement, Medicare Advantage (Part C) Plan or a Medicare Part D, we’ve got you covered!

917-972-1676, TTY 711

“Calling this number will direct you to a licensed Agent/Broker”

• Medicare Advantage
• Medicare Advantage Special Needs Plans
• Medicare Supplement Insurance Plan
• Part D Prescription Drug Plans

Medicare Quote & Enroll

Investment Services

What investment options should you choose?

Underpinning all of our services is a deep commitment to asset management excellence, compelling technology and thought leadership. These principles inform our business strategy and reflect our commitment to building deep relationships with advisors, investors and each other.
The intricacies of today’s market provide a vast spectrum of choices when it comes to investing your hard- earned money.
We are here to provide investment guidance and information to help you reach your investment goals. We offer a full selection of investment vehicles to keep you on the right path in your financial journey.


Statistics show one in two people will use their health insurance policy annual. With constant political changes that effect both individual and group health insurance a FMF Health Insurance Broker has the ability to offer services unique to each individual and company. These services can range from insurance consulting, compliance, billing and administrative services.

We make it easy t o compare and apply for health insurance plans from national health insurance carriers. We offer a wide variety of pricing options and different types of coverage. See what’s available in your area today!

-If you have been looking into the possibility of adding a dental or vision plan, look no further! It is easy to underestimate the expenses involved with dental and vision care, which is why these plans make your life just a little bit easier. If you would like help with the costs associated with eyeglasses, surgery, orthodontics, or even routine care, we can find a policy that provides you with additional benefits that may not be covered in your regular Health Plan. We handle Dental and Vision plans appropriate for Individual or Group…so check out your options today!

DISABILITY INSURANCE, Short Term, Long Term, Business

Long Term Care

We want to live healthy, active and independent lives. And while we do not like to think about the challenges that come along as we age, it is likely that many of us will need long- term living services and support at some point in the future. Without proper planning, obtaining those services could be a significant challenge to you or your family when you are most vulnerable.

Long-term care insurance is one way to plan for those needs. Policies are provided by private health insurance companies that help cover major expenses for long-term care.

Today’s long-term care insurance covers both facility-based, skilled care and home care. The majority of policies available to consumers pay up to a set dollar amount per day or up to a percentage of the actual expenses for care. No policy provides blanket coverage for all expenses.

Managed Long Term Care
Medicaid Managed Long Term Care (MLTC) is a program that provides coverage for Medicaid long term care benefits. If an individual is dually eligible for Medicare and Medicaid and receives ongoing long term care services, they will most likely be required to enroll in—or have already been enrolled in—an MLTC plan in order to receive their Medicaid long term care benefits MLTC services are delivered through private managed care plans, and these plans do not affect how individuals receive their Medicare benefits.

When you consider long-term care insurance, you may have questions and concerns. What is it? What does it cost? What’s included? Where can I buy a long-term care insurance policy? These are the types of questions that will be answered in this brochure. And depending on what you are looking for, we are here to help! So, let’s get started!

Disability Insurance, often called DI or disability income insurance, or income protection, is a form of insurance that insures the beneficiary’s earned income against the risk that a disability creates a barrier for a worker to complete the core functions of their work. For example, the worker may suffer from an inability to maintain composure in the case of psychological disorders or an injury, illness or condition that causes physical impairment or incapacity to work. It encompasses paid sick leave, short-term disability benefits (STD), and long-term disability benefits (LTD). Statistics show that in the US a disabling accident occurs on average once every second. In fact, nearly 18.5% of Americans are currently living with a Disability, and 1 out of every 4 persons in the US workforce will suffer a disabling injury before retirement.

Business overhead expense disability insurance
Business Overhead Expense (BOE) coverage reimburses a business for overhead expenses should the owner experience a disability. Eligible benefits include: rent or mortgage payments, utilities, leasing costs, laundry/maintenance, accounting/billing and collection service fees, business insurance premiums, employee salaries, employee benefits, property tax, and other regular monthly expenses.

Short term disability insurance can replace a portion of your income during the initial weeks of a disabling illness or accident. Long term disability can replace a portion of your income after those initial weeks, for an extended period. You may have one or both of these through your employer. Many people also choose to purchase individual disability insurance on their own. Individual disability insurance can provide protection for people who do not have disability insurance available through their workplace or may be used to supplement group coverage through their workplace

If your employer doesn’t offer disability insurance or you would like to purchase additional insurance, have a FMF rep contact you.


Do you need life insurance?
Chances are that you do. Life insurance can be easy to overlook but it is a very important component to preserving your wealth and making sure that your loved ones are provided for if you pass away.

To determine whether or not you need life insurance, ask yourself who will be impacted financially when you pass away. Would your loved ones and dependents have enough resources to take care of your final expenses and replace your income? Can they afford to pay someone to provide all of the services you take care of with running a household or raising a family?

If you answer yes to any of the questions below, you likely need life insurance: Are you married?

Do you have dependent family members, such as children or aged parents? Do you provide for someone with a disability?

Do you own a business?

Do you have a large estate?

Do you have significant financial obligations such as a mortgage or other loans?

Other common reasons to have a life insurance policy include: Creates a tax-efficient wealth transfer strategy.

Paying off debts.

Providing continuing income for loved ones.

Offsetting loss of a key person at a company (also known as Key Man insurance).

What kind of life insurance do you need and how much do you need?
Today’s insurance market is complex with an array of different insurance policies, including term life, whole life, and universal life. Additionally, there are more than 10 variations of each policy with its own pros and cons and premium rates. We can help you determine which the best policy is for you and help you get the most competitive rates. We can also help you to determine survivor needs and the amount of coverage you need. What makes us unique is an Independent Advisors with over 45 insurance companies we represent you on the transaction so we compare cost, options, ratings, before you make an informed decision.

Is your current life insurance policy still the right policy?
We recommend re-evaluating your life insurance periodically, at least once every three to five years. Changes in your personal situation and lifestyle, such as marriage, divorce, the birth or adoption of a child, or purchasing a new home, can impact how much insurance you need. Your age and changes in your health can also indicate a need to re-evaluate your insurance.

Even if nothing has changed for you, insurance policies and rates change. We might be able to get you similar or better coverage at a lower premium. With one signature we can request a snapshot of your current contract and our goal is to either reduce cost, increase death benefit, and if you have build up cash value we can possible get a paid up insurance policy.

Life insurance is meant to protect your loved ones you leave behind. Are the people who depend on you protected?

Quote & Apply



Exclusive Independent Marketing Organization For UnitedHealthcare®

  • Exclusive lead program generated by UnitedHealthcare®
  • Access to Community events
  • Financial Support
  • Comprehensive training

Access to Other Medicare Insurance Companies

  • Aetna
  • Empire Blue Cross Blue Shield
  • Silver Script
  • Emblem Health
  • Affinity
  • Globe Life

Independent Insurance Broker
*We provide proprietary software via our partner the gives instant access to managing the lifecycle of your policies. In force policy status, values, and beneficiaries for multiple carriers are in one location allowing you to efficiently service and market.

*View appointments, cases, commissions, quotes, and reporting for you and your entire agency.

*Quote and Apply

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Have sub-producers, an established agency, RIA, or broker-dealer? FMF can deliver you with a global view of your brokers and their appointments, cases, commissions, and production. It’s time to have a centralized, organized, and connected portal that makes your job easier.
Start by adding users and you’ll be a click away from growing your agency. FMF has made it easy to be compensated by allowing you the ability to setup hierarchies and delegating commission schedules.


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Contact 1-917-972-1676

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