Bernadette Zarcone

Bernadette Zarcone is Financial Representative with Forest Hills Financial Group (FHFG) with over a decade of experience in financial services. At the core of her work is a simple belief: strong relationships, thoughtful listening, and clear communication to help people move forward with greater confidence in their financial lives. Bernadette understands that financial decisions can often feel complex or overwhelming, and her ability to explain financial concepts in relatable, easy-to-understand terms lessens confusion and helps bring clarity. Fluent in Polish and English, Bernadette works closely with individuals, families, and business owners, also proudly connecting and supporting members of the Polish-speaking community. 

Bernadette graduated from Wyzsza Szkola Ekonomiczna in Warsaw, Poland, with a Bachelor's degree in Finance. She also completed studies in Retail and Commercial Banking, as well as Insurance. Bernadette began her professional career in the financial services industry with New York Life, but spent the majority of her career with JPMorgan Chase before joining FHFG. Her experience in a fast-paced banking environment gave her a deep appreciation for the financial challenges individuals, families, and business owners face every day—from managing personal finances to supporting business growth. While she enjoyed her banking career, Bernadette was driven by a desire to provide clients with more comprehensive education, guidance, and support throughout every stage of their financial journey. At FHFG, she has access to the knowledge, resources, and planning strategies needed to help clients make informed financial decisions as they work toward their long-term goals.

Bernadette's strong commitment to her community keeps her actively involved with the Kosciuszko Foundation and as a member of the Polish American Independent Club. She values opportunities to support initiatives that strengthen cultural connections and to give back to the communities she serves. Outside of work, Bernadette enjoys horseback riding, tennis, and volleyball, as well as traveling and exploring new destinations.

Born and raised in Poland, she now resides in Smithtown with her husband, Anthony, and their two children.

Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. Forest Hills Financial Group is not an affiliate or subsidiary of Guardian. 8960195.1 Exp. 6/28