Our Staff


Stephen Dellelo, ChFC, CLU, MSFS 


Stephen is the Founder of Retirement Income Strategies and has been building comprehensive financial plans since 1990.  He holds two Master's Degrees, one in Business Administration from Babson College and another in Financial Services (MSFS).  Additionally, he holds a degree from Bentley University in Accounting.  He is a Chartered Financial Consultant (ChFC) and a Chartered Life Underwriter (CLU). Stephen is a member of the Boston Chapter of Financial Planning Association of Massachusetts and the Boston Institute of Finance. 

Stephen's financial experience and understanding of an individual's financial objectives prompted him to create the Pension Income Capability Analysis (PICA) program. A comprehensive program to determine sufficiency of Retirement Income.

 As a past Associate Professor at Massasoit College, Stephen has taught finance, accounting and personal financial planning.  He has published various articles on personal finance and is a reputable speaker on various financial topics.

Stephen is proud to support the following:

The American Legion, charted and incorporated by Congress in 1919 as a patriotic veterans organization devoted to mutual helpfulness.  It is the nation's largest wartime veterans service organization, committed to mentoring youth and sponsorship of wholesome programs in our communities, advocating patriotism and honor, promoting strong national security and continued devotion to our fellow servicemembers and veterans. 

The Matt Light Foundation which strives to instill and augment the values of responsibility, accountability and hard work by providing youth with unique outdoor learning experiences that assist them in reaching their highest potential. Its goal is to lead yound people down a path to becoming responsible members of their communities who are capable of passing the torch of leadership and achievement to their friends and families. 

Previously as part of the Financial Planning Association, Stephen offered tax preparation assistance for enlisted members of the Massachusetts National Guard.  In his off time he enjoys music, fishing, golf and has been known to dabble a bit in the kitchen.


Cheryl Bush - Business Office Manager

Licensed Life and Health Insurance Professional

Cheryl joined Retirement Income Strategies with an extensive background in management, marketing and design and offers a superior client relations history. 

Cheryl holds licenses in both Life and Health insurance and assists with senior level, high net worth client inquiries and account related operations with exceptional attention to detail.  She provides market research for publications that inform our clients of the most current and relevant information available. 

As the company's social planner, throughout the year she plans Retirement Income Strategies client appreciation events and educational workshops. These are offered to our clients, the general public and businesses in the New England area. Utilizing her design background she has created and maintains our website and is responsible for all creative aspects in marketing including social media.

When not in the office Cheryl enjoys time with her husband and two children.  She is an avid dog lover who loves to cook and garden.  In the summer you can find Cheryl on the ocean on Cape Cod. A Massachusetts native, she likes to stay close to home.