Our Mission

We believe that long-term relationships are based upon mutual understanding. As Fiduciary Financial Advisors, it is our belief (and legal responsibility) to put the interests of our clients before our own.

Here at Dream Mutual, a Summers Financial Partner, we are committed to understanding you and fully appreciating what is truly important to you, your family and your business.

Successful relationships most often involve both partners working toward a mutually agreed upon vision and goal. Our mission is to be able to understand your goals, so that together, we can create and implement solutions that will make them happen.

Are you ready to make a change that can better secure your financial future?

Our Services

A Team You Can Trust.

John Summers

John Summers is the founder of Summers Financial Services (now known as Dream Mutual), located in Victor, New York. Mr. Summers was born in Buffalo, and he and his sister were raised in Clarence, New York. His father was an engineer for Westinghouse and his mother was a homemaker. Mr. Summers was an accomplished athlete in high school in football, basketball, and track. He attended the University at Buffalo, where he studied business administration, and also did coursework at SUNY–Brockport and the University of Texas–Arlington.

Mr. Summers entered the financial-services industry with Prudential Insurance in Buffalo. He says he received great training. “I did extremely well, winning an award my second year, and moving into management for the next five years,” says Mr. Summers. He also worked for Connecticut Mutual, later bought by Mass Mutual. He decided to become an independent advisor and started his own firm in 2004. Mr. Summers is a frequent presenter at financial education seminars and is a member of the National Social Security Association (NSSA). He has successfully completed the NSSA certificate program for advisors.

Mr. Summers is proud of his three children and four grandchildren. He is an avid outdoorsman and enjoys living in his “dream home on 15 acres.” He likes fishing, hunting, hiking, snowshoeing, vegetable gardening, and home brewing. He is a current member and past president of the Victor Farmington Rotary Club.

Louis Giuliano

Louis Giuliano is a LPL Financial Advisor and partner at Dream Mutual. Mr. Giuliano was raised in Spencerport, New York, a suburb of Rochester. He attended public schools, excelling as a soccer player, and was a member of the chess club. His father was a technical specialist at Eastman Kodak and his mother was a property manager and homemaker.

Mr. Giuliano says he has “always been fascinated with the financial markets” and starting reading “classic” financial books in high school. He attended Monroe Community College and transferred to Saint John Fisher College, where he graduated with a bachelor’s degree in finance. He was a member of the investment club in college, made the dean’s list, and played soccer for four years, with his team winning two championships.

Mr. Giuliano had two internships and one externship in college with financial-services firms, including Summers Financial Services. He acquired his insurance license while still in college and worked after graduation for AXA Advisors, fulfilling the requirements for the Series 7 and Series 66 licenses at that time. He joined Summers Financial Services in 2018, attracted by “the firm’s business model and strong commitment to serving clients.” He enjoys reading, golf, and movies.