Our Team

Our Team

Jeffrey Scales

Managing Principal

I have been fortunate in my career as a financial advisor to find a means for doing well while doing good.  This incredible balance has been maintained through JSA serving client investment needs with ESG ingredients at their core. Our recipe for sustainable and responsible investments includes addressing environmental, social, and corporate governance factors that can have an enormous influence on our future lives, as well as providing sound portfolio risk management.


My professional education includes undergraduate and graduate degrees from the University of New Mexico. I also earned the CERTIFIED FINANCIAL PLANNERTMcertification and hold the Accredited Investment Fiduciary® designation. I am a member of US SIF, the Forum to Sustainable and Responsible Investments, which helps keep our practice connected with the latest developments and provides an opportunity for active participation in lobbying efforts to support ESG policies.  As a personal mission, I seek to educate other financial advisors about sustainable investing and encourage them to implement more responsible allocations for their own clients. 


In addition to professional development and continuing education, I stay involved in local and global community organizations. I serve as the chairman of Rhinebeck Rotary Club’s International Committee supporting world service projects. This includes traveling each year with students from Rhinebeck High School’s Interact Club to construct classrooms, build school cafeterias, and prepare gardens by hand in rural areas of Nicaragua. It’s a truly life-changing experience for all participants—young and old—from both home and host communities.

The difficulties faced by families impacted by the emotional and financial toll of dementia is something all too familiar to me. As one of the founding and past co-presidents of the Mid-Hudson Chapter of the Alzheimer’s Association more than 25 years ago, I continue my support and offer strategies to help protect the financial condition of families overwhelmed by this disease.

I serve on the Advisory Board of the Center for Environmental Policy, an innovative graduate program at Bard College that offers MS degrees in environmental and climate science policy. This creates wide-ranging opportunities for both students and the community in the business of building a sustainable future.

Since 1987, I’ve made my home in the Hudson River Valley, where I may be seen kayaking at dawn or sunset, often removing trash from the river or admiring bald eagles in the trees on shore. Our office in Rhinebeck, New York, is just half a block from Upstate Films, where I occasionally step out to enjoy an indie or foreign film or a meaningful documentary.  My sons are successfully pursuing their own careers in Washington, DC, and northern California, yet we periodically unite for exciting excursions. We thrive on preparing for each another great locally sourced home-cooked meals–all three foodies—and enjoying each other’s company with warm and stimulating conversation.

JSA is proud to have recently earned B Corp certification, a designation for businesses who are rigorously committed to providing tangible benefits to the community and the environment.

Gail Decker

Client Services Manager

In the summer of 2003, I began working for JSA Financial part-time as a client service manager.  My responsibilities include scheduling and confirming appointments, checking in with clients periodically, and other everyday office duties.

Prior to this position, I was employed by Germantown Telephone Co. for many years as a customer service manager with a wide range of duties covering telephone, cable TV, Internet, and cellular.

I’ve been a resident of Columbia County all my life.  In my spare time, I enjoy spending time with family and friends, traveling, and following the New York Mets.

Kathline Joseph

Financial Planning and Insurance Advisor

A product of the beautiful and scenic Hudson Valley, I grew up in Ulster County and attended Kingston High School. Upon graduation, I attended Howard University in Washington, DC, where I explored my love of mathematics, business, and insurance. I received a Bachelor's in Business Administration in insurance with a concentration in actuarial science in 2010.  While at Howard, I interned with HAI (Housing Authority Insurance) Group where I gathered and analyzed insurance claims data for housing authorities across the nation to understand how those claims impacted profit margins.

Shortly thereafter, I met Jeffrey Scales while he was attending a conference in DC and was presented with the opportunity to join his team at JSA Financial Group. I relocated to Kingston in 2012 and began working with JSA as a financial assistant, specializing in insurance products. Since then, I’ve earned my FINRA Series 7, 6, and 63 securities registrations through Commonwealth Financial Network®, as well as the NYS life, accident, and health insurance license.

In addition to the work I perform in the office, I work diligently with Mid-Hudson Seventh-day Adventist Church in Poughkeepsie, New York, to provide many services to the community. I find joy in taking part in soup kitchens, local concerts, and various other activities with my church and others in the area.  The most rewarding experience is to see the impact that these events have on the members of our community, specifically the youth and those less fortunate than I.  I also have a deep-rooted love for music and you will often find me playing my violin or flute or even singing in local groups during my spare time.

Lizdely Garcia

Client Service Associate

For most of my childhood, I lived in Yonkers, New York, until my family and I moved to a small town called Pawling. I completed my four years at Pawling High School, and then I attended Concordia College in Bronxville, New York, where I received my Business Administration degree with a specialization in accounting. On the day of my college graduation, I went on a service trip to Vietnam with my marketing professor and other business students. This was a truly remarkable and unforgettable experience and one that I hold close to my heart.

Ever since I was young I have always had a passion for health and wellness. In 2015, I became certified as a Holistic Health Coach from the Institute for Integrative Nutrition (IIN). I enjoy helping people achieve their personal health goals as well as seeing them grow into a healthier lifestyle. 

On my time off, my husband and I enjoy cooking meals, volunteering at Camp Sunshine in Maine, doing outdoor activities, going to Broadway shows, skiing, running, and traveling together. 

Prior to this position, I worked for Toll Brothers Inc. in the accounting department managing the accounts payable for their New York, Connecticut, and New England offices. I am looking forward to all the different challenges Jeffrey and his staff have to offer.