Five Star Wealth Managers

Transcription

© F ve ar ro
S
i
© F ve tar Pro
S
f
i
P
© F ve tar ro ess
i
S
f
ive ta Pro ess
Fiv St r P fe io
e S ar P rof ssio na
e
t
n
s
a
r
e S r P of sio al
tar ro ess na
i
f
Pr es on l
Special Advertising Section
2013 Five Star Wealth Managers
2013 New Jersey
Five Star
Wealth Managers
In a consumer study about dynamics between wealth
managers and their clients, Five Star Professional polled
wealth managers and consumers about communications. Both
groups said that connecting three to four times a year is the
right communications strategy, but expectations are not
aligned in all areas:
• 2 9 percent of consumers want to be contacted by their
wealth manager whenever events require an update; only 7
percent of wealth managers say they contact clients based
on the impact of events.
• 63 percent of consumers say they receive the right amount
of communication from their wealth manager.
From research conducted by Five Star Professional, April 2011.
Wealth managers, broadly defined, are those individuals
who help you manage your financial world and/or
implement aspects of your financial strategies. Common
e x a m p l e s o f w e a l t h m a n a g e r s a re f i n a n c i a l
advisors, financial planners, investment advisors,
tax advisors and estate planning attorneys.
How do you find a wealth manager with experience, who
has a good base of clients with high retention rates, and
who has undergone a regulatory and complaint review?
And when you find them, are they accepting new clients?
New Jersey Monthly and Five Star Professional partnered to
find wealth managers who satisfy 10 objective eligibility
and evaluation criteria that are associated with wealth
managers who provide quality services to their clients.
Among many distinguishing attributes, the average oneyear client retention rate for this year ’s award winners is
more than 96 percent.
A listing of all 2013 New Jersey Five Star Wealth Manager
award winners and select award-winner profiles can be
found on the following pages. Look for more award-winner
profiles in the February issue. For a comprehensive listing
of Five Star Professionals in New Jersey and throughout the
U.S., please visit www.fivestarprofessional.com.
Don’t listen to other people. Investigate
for yourself. Be wary of advisers who say
they never had a down year.”
— Five Star Wealth Manager
A Select
Award
The 2013 Five Star Wealth Managers are a select group, representing less than 2 percent of the wealth
managers in the New Jersey area.(1)
Although this list is a useful tool for anyone looking for help in managing their financial world or
implementing aspects of their financial strategies, it should not be considered exhaustive. Undoubtedly, there are many excellent
wealth managers who, for one reason or another, are not on this year’s list.
Award
In order to consider a broad population of high-quality wealth managers, award candidates
are identified by one of three sources: firm nomination, peer nomination or pre-qualification
based on industry standing. Self-nominations are not accepted. New Jersey award candidates
were identified using internal and external research data, including a survey to more than
9,400 registered financial services professionals and all identified financial service companies in the area that are registered with
FINRA or the SEC.
Candidates
N E W J E R S E Y M O N T H LY
January 2013
FS-1
© F ve ar ro
S
i
© F ve tar Pro
S
f
i
P
© F ve tar ro ess
i
S
f
ive ta Pro ess
Fiv St r P fe io
e
t
n
s
a
r
e S r P of sio al
tar ro ess na
i
f
Pr es on l
Determination
Of Award Winners
Award candidates who satisfied 10 objective eligibility and evaluation criteria that are
associated with wealth managers who provide quality services were named 2013 Five Star
Wealth Managers.(2)
Eligibility Criteria – Required(3)
2013
1. C redentialed as an investment advisory representative (IAR), a FINRA-registered
representative, a CPA or a licensed attorney.
2. Actively employed as a credentialed professional in the financial services industry for a
minimum of five years.
3. Favorable regulatory and complaint history review.(4)
4. Fulfilled their firm review based on internal firm standards.
5. Accepting new clients.
Evaluation Criteria – Considered(3)
6. One-year client retention rate (the average one-year client retention rate of this year’s
award winners is more than 96 percent).
The Five Star award goes to less
than 7 percent of wealth managers.
7. Five-year client retention rate.
8. Non-institutional discretionary and/or non-discretionary client assets administered (this
year’s award winners administer an average of $111 million in client assets).
9. Number of client households served (on average, this year’s award winners serve 264
households).
10. Education and professional designations.
Research
Disclosures
• Wealth managers do not pay a fee to be considered or
placed on the final list of Five Star Wealth Managers.
• The Five Star award is not indicative of the wealth manager’s future performance.
Insights from Five Star
Wealth Managers
Wishful thinking is not
planning. If you plan
for the worst, you will
never be unpleasantly
surprised.”
• Wealth managers may or may not use discretion in their practice and therefore may not manage
their clients’ assets.
• The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed
as an endorsement of the wealth manager by Five Star Professional or New Jersey Monthly.
• Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future
investment success, nor is there any guarantee that the selected wealth managers will be awarded
this accomplishment by Five Star Professional in the future.
• F ive Star Professional is not an advisory firm, and the content of this article should not be
considered financial advice. For more information on the Five Star award and the research/
selection methodology, go to www.fivestarprofessional.com.
• (1) 4,049 award candidates in the New Jersey area were considered for the Five Star Wealth
Manager award. 733 (approximately 19 percent of the award candidates) were named 2013 Five
Star Wealth Managers.
Wealth managers were required to certify that any information they provided was accurate.
Criteria 4, 8 and 9 do not apply to attorneys or CPAs.
(4)
As defined by Five Star Professional, the wealth manager has not:
• Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine.
• Had more than a total of three customer complaints filed against them (settled or pending) with any regulatory authority or
Five Star Professional’s consumer complaint process.
• Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority.
• Filed for personal bankruptcy.
• Been convicted of a felony.
Clients don’t care how
much you know until
they know how much
you care.”
Only invest in
something that
you understand.”
(2)
(3)
What matters most is
how you recover from
setbacks.”
Five Star Professional conducts a regulatory review of each nominated wealth manager using the Investment Adviser Public Disclosure (IAPD) website. Five Star Professional also
uses multiple supporting processes to help ensure that a favorable regulatory and complaint history exists. Data submitted through these processes was applied per the above criteria:
• Each wealth manager who passes the Five Star Professional regulatory review must attest that they meet the definition of favorable regulatory history, based upon the criteria
listed above.
• Five Star Professional promotes via local advertising the opportunity for consumers to confidentially submit complaints regarding a wealth manager.
• Five Star Professional contacted approximately 1 in 12 households identified as having a high propensity to use the services of wealth managers in order to provide consumers the
opportunity to submit complaints regarding a wealth manager. More than 31,100 households in the New Jersey area were contacted.
The Five Star Wealth Manager selection criteria was updated for the 2012 award year. 2005 – 2011 Five Star Wealth Managers scored highest in overall satisfaction based on feedback
from clients, peers and industry experts. No more than 7 percent of wealth managers receive the award each year. The selection process for the 2005 – 2011 award winners can be
found at www.fivestarprofessional.com/2011/wealth_managers_research_overview.php.
FS-2
January 2013
N J M O N T H LY . C O M
© F ve ar ro
S
i
© F ve tar Pro
S
f
i
P
© F ve tar ro ess
i
S
f
ive ta Pro ess
Fiv St r P fe io
e
t
n
s
a
r
e S r P of sio al
tar ro ess na
i
f
Pr es on l
Business Planning
Suzanne Balian ∙ Morgan Stanley
Elias R. Dau ∙ Merrill Lynch
Ana Barnett ∙ Main Street Investment Group
Laurie Goldsmith-Heitner ∙ Laurie GoldsmithHeitner
Andrew Barrow ∙ Morgan Stanley
Page 41
Bill Gray ∙ Marsh & McLennan Agency
Sue Barroway ∙ Ameriprise Financial Services,
Inc.
P. Nick Makriannis ∙ AXA Advisors
Robert Barry ∙ Barry Capital Management
George B. Rosenthal ∙ George B. Rosenthal
Financial Services
Bruce Barth ∙ Merrill Lynch
Estate Planning
Thomas F. Bauman ∙ Northeast Private Client
Group
Richard Beltram ∙ Morgan Stanley
George Aguilar ∙ Neff Aguilar
Amy Blevins ∙ LPL Financial
Alan Augulis ∙ Augulis Law Firm
Marc R. Berman ∙ Cole Schotz Meisel Forman
& Leonard
David Bobrowsky ∙ Alden Wealth Management
John Bodnar ∙ Bodnar Financial Advisors
John Callinan ∙ Law Offices of John W.
Callinan Page 45
Bradley Bofford ∙ Financial Principles
Page 19
Paul Foley ∙ Lee Nolan & Koroghlian
Michael Bonevento ∙ Intellectual Capital Group/
Ameriprise Financial Services, Inc.
Brian Fuhro ∙ Fuhro & Beukas
Anita Grossman ∙ Grossman Financial Planning
Group/Lincoln Financial Advisors
Norman Chevlin ∙ Creative Financial Group of
New Jersey
Pat Chianca ∙ Charles Schwab & Company
James Ciprich ∙ Regent Atlantic Capital
Manos Cito ∙ DMC Wealth Advisors
Edward Clementson ∙ Morgan Stanley
Michael Cocco ∙ AXA Advisors
Salvatore Cocivera ∙ Copper Beech Financial
Group
G. William Cole ∙ Heritage Group of Companies
James Colitsas ∙ Princeton Financial Group*
Edward Collins ∙ Artisan Wealth Management
Philip Confalone ∙ Ameriprise Financial
Services, Inc.
Nicholas Conturso ∙ Morgan Stanley
Joe Bonfiglio ∙ Joe Bonfiglio
Scott Cooper ∙ Economic Concepts
Steven Boorstein ∙ Rockcrest Financial
Mark Cortazzo ∙ Macro Consulting Group
Page 28
Timothy Hyland ∙ Stone Hill Financial*
Janice Bowman ∙ David Lerner Associates*
Kevin Kruse ∙ MetLife Solutions Group
Jeffrey Boyer ∙ Regent Atlantic Capital
Joseph Lemond ∙ Herold Law
Paul Brehne ∙ Morgan Stanley
Bernie Petit ∙ Beacon Financial Solutions
Andrew Breitbart ∙ RBC Wealth Management
Allen Porter ∙ Miller Porter & Muller
Stuart Brill ∙ Raymond James Financial Services
Leonard Selesner ∙ Selesner & Polifron
Steven Brisgel ∙ Morgan Stanley
John Wang ∙ Ameriprise Financial Services, Inc.
Megan Brozowski ∙ Regent Atlantic Capital
Page 41
Leonard Witman ∙ Witman Stadtmauer
Timothy Brunnock ∙ Private Advisor Group
Page 41
Financial Planning
William Burke ∙ Mendham Capital Management
Stephen Allen ∙ Morgan Stanley
Timothy Burklow ∙ Ameriprise Financial
Services, Inc. Page 16
Rodney Alvarado ∙ Charles Schwab & Company
Nathaniel Cheney ∙ Raymond James Financial
Services
Ana Costa ∙ Morgan Stanley
Alan Cottrell ∙ LPL Financial
Stephen Craffen ∙ Stonegate Wealth
Management
Sheri Iannetta Cupo ∙ Sage Advisory Group
Robert Curtis ∙ Thrivent Financial
Yash Dalal ∙ Morgan Stanley
William Damora ∙ KB Financial Partners
Vincent D’Angelis ∙ D’Angelis Wealth
Management
Stuart Daniels ∙ Merrill Lynch
Brian Burns ∙ Morgan Stanley
Gregory Davidson ∙ RBC Wealth Management
Angelo Amitsis ∙ Morgan Stanley
Nikolas Butkov ∙ Ameriprise Financial Services,
Inc.
Robert Davis ∙ Wealth Preservation Solutions
Page 40
Robert Andreacchio ∙ Ameriprise Financial
Services, Inc.
Michael Byrne ∙ Lighthouse Planning
Consultants
Frank P. Defranco ∙ Merrill Lynch
Matt Appel ∙ The Appel Financial Group
Frank Cangelosi, Jr. ∙ Financial Foundations
Group
Christopher Amato ∙ Morgan Stanley
John B. Araneo ∙ Morgan Stanley
Page 36
Daniel Armas ∙ Gitterman & Associates
Wealth Management Page 20
Diana Armstrong ∙ Morgan Stanley
Page 10 & 11
Andrew Arons ∙ Synergy Advisory
Management Group Page 41
Richard Aronwald ∙ Certified Financial Services
Ian Auerbach ∙ RBC Wealth Management
Shirley Aumack ∙ Shirley J. Aumack
Anthony DeGregorio, Jr. ∙ American
Portfolios*
Jeffrey Deiss ∙ Tempewick Wealth Management
Ronald Carr, Jr. ∙ New England Financial
Joseph Del Guercio ∙ New England Financial
Anthony Caruso ∙ Vitale Caruso & Associates
James Denton ∙ DFS Advisors
Leo Casper ∙ Leo K. Casper, CPA
Paul Desmond ∙ LPL Financial*
James Cassa ∙ Cassa Wealth Management
Tina Dhar ∙ Insight Financial/LPL Financial
Donald Chambers ∙ Chambers Wealth
Management
Frank Dolce ∙ Merrill Lynch
Manoda Chauhan ∙ Ameriprise Financial
Services, Inc.
Peter Chemidlin ∙ Family Investors Company
*Profiles will be featured in the February issue of New Jersey Monthly
Page 42
Bruce Doner ∙ Innovative Wealth Management
Services
Andrew Donofrio ∙ Garden State Securities
January 2013
FS-3
Award winners listed by primary services and listed alphabetically by last name.
© F ve ar ro
S
i
© F ve tar Pro
S
f
i
P
© F ve tar ro ess
i
S
f
ive ta Pro ess
Fiv St r P fe io
e
t
n
s
a
r
e S r P of sio al
tar ro ess na
i
f
Pr es on l
Lance Druckenmiller ∙ Merrill Lynch
Michael Gee ∙ Merrill Lynch
Ronald Jaeger ∙ Jaeger Wealth Management
Patrick Duffield ∙ Ameriprise Financial Services,
Inc.
Jonathan Geisler ∙ McLaughlin Asset
Management
Josh Jalinski ∙ Jalinski Advisory Group*
Timothy Duncan ∙ Duncan Financial Group
Ronald Gelok ∙ Ronald Gelok & Associates
Page 45
Michael Dwyer ∙ Strategic Family Wealth
Counselors
Jeffrey George ∙ Merrill Lynch
James Dy ∙ Main Street Wealth Management
Gregory Gerew ∙ Vision Financial Services
Mark Dzamba ∙ Ameriprise Financial Services,
Inc.
Michael Gibney ∙ Highland Financial Advisors
Lydia Eftimoski ∙ Merrill Lynch
Thomas Gioia ∙ Ameriprise Financial Services,
Inc.
John Egan ∙ J.M. Egan Wealth Advisors
Page 18
Don Giovanello ∙ Morristown Wealth
Management
Stanley Ehrlich ∙ S. F. Ehrlich Associates
Steven Gochman ∙ Creative Financial Group of
New Jersey
Walter Eife ∙ McLaughlin Asset Management
Gregory Emr ∙ LPL Financial
Thomas Ennis ∙ Ennis Financial Services
Lisa Jantorno ∙ Jantorno Financial Advisors
Javid Jaraiedi ∙ Jaraiedi Financial Group
Paul Jetter ∙ Creative Financial Group of New
Jersey
Randall Jones ∙ Morgan Stanley
Brad Katz ∙ Premier Wealth Advisors
Page 45
Daniel Katz ∙ Oppenheimer & Company
Kenneth Katz ∙ Oppenheimer & Company
Steven Kaye ∙ AEPG Wealth Strategies
Brett Keener ∙ Proviser Financial
Michael Goldberg ∙ Morgan Stanley
Page 36
Thomas Keener ∙ Certified Financial Services
Zachary Goldberg ∙ Morgan Stanley
Page 36
Brian J. Kelly, Jr. ∙ Morgan Stanley
Steven Goldman ∙ Morgan Stanley
John Kennedy III ∙ Kennedy Investment Group
Edward Goldstein ∙ Financial Life Planning
Scott Klein ∙ AXA Equitable
James C. Ewing ∙ Merrill Lynch
Rebecca Golembiski ∙ Ameriprise Financial
Services, Inc.
Bernard Fasciano ∙ Morgan Stanley
Timothy Knotts ∙ The Hogan Knotts Financial
Group
Gregory Goodman ∙ Merrill Lynch
John Feast ∙ Janney Montgomery Scott
Donald Kostka ∙ Kostka Taylor, CPAs
Karl H. Graf ∙ Graf Financial Advisors
Matthew Graf ∙ Ameriprise Financial Services,
Inc. Page 33
Karl L. Kreshpane ∙ Morgan Stanley
Ian Ferrato ∙ Garden State Securities
Michael Enos ∙ Lincoln Investment Planning
Geroge J. Ernst, Jr. ∙ Morgan Stanley
Steven Filiaci ∙ Morgan Stanley
Page 26
Vladislav Krubich ∙ Mayo Krubich & Associates/
Robert Finan ∙ Merrill Lynch
Robert Greenwood ∙ Ameriprise Financial
Services, Inc.
Nancy Findlay ∙ Ameriprise Financial Services,
Inc.
Jay Lamalfa ∙ Macro Consulting Group
Page 28
Philip Grella ∙ RBC Wealth Management
Bryan Landadio ∙ Personal CFO Solutions
Stephen Grimmie ∙ Ameriprise Financial
Services, Inc.
Edward J. Lang ∙ Ameriprise Financial
Services, Inc.
David Grossman ∙ Kingsbridge Financial
Group Page 25
John Larkin ∙ Merrill Lynch
Ronald Fish ∙ Ameriprise Financial Services, Inc.
John L. Fitzgerald ∙ Morgan Stanley
Richard Fitzsimmons ∙ Merrill Lynch
Patricia Flaherty-McNeilly ∙ American Portfolios
Advisors
Ryan Flynn ∙ Flynn Wealth Management
Adam Fried ∙ The Ayco Company
Eric Friedman ∙ Ameriprise Financial Services,
Inc. Page 33
Christine Frole ∙ Ameriprise Financial Services,
Inc.
Lynn Fryckberg ∙ Morgan Stanley
Eric Guggenheim ∙ Ameriprise Financial
Services, Inc.
Diahann W. Lassus ∙ Lassus Wherley
Michael Leanza ∙ The Genwealth Group
Parker Gundeck ∙ Merrill Lynch
Raymond Lee ∙ Merrill Lynch
Darrell Haytaian ∙ Chester Financial Group
Paul Leesman ∙ Ameriprise Financial Services,
Inc.
Michelle Heide ∙ Patton Heide & Associates/
Christine F. Heim ∙ Merrill Lynch
Christopher Heiser ∙ Ameriprise Financial
Services, Inc.
Peter Leist ∙ LPL Financial
Todd Leonhardt ∙ Benjamin F. Edwards &
Company
John Leroy ∙ Summit Financial Resources
Alan Levine ∙ Diversified Financial
Consultants*
Brian Fullman ∙ Asset & Wealth Management
Group
Robert Herold ∙ Family Wealth Care
Richard Gaba ∙ Gaba Financial Services
Nicholas Houmis ∙ The Essex Group
William Lewis ∙ Ameriprise Financial
H. Alan Gabelmann ∙ Morgan Stanley
James Hundley ∙ H.D. Vest Securities
Henry Liao ∙ Ameriprise Financial Services, Inc.
Alberto Gaglianese ∙ Lincoln Investment
Planning
Robert Imparato, Jr. ∙ RICH Planning Group
David Light ∙ Ameriprise Financial Services, Inc.
Jeffrey Gardiner ∙ BGC Securities
Robert L. Iola, Jr. ∙ The Iola Financial Group
Page 24
Steven Linden ∙ Prestige Wealth Management
Group
Timothy Gardner ∙ Gardner Financial Planning
Michael Israel ∙ Oppenheimer & Company
Knut Lundberg ∙ Factius Financial Strategies
FS-4
January 2013
Ronald Holtz ∙ Gilford Securities
© F ve ar ro
S
i
© F ve tar Pro
S
f
i
P
© F ve tar ro ess
i
S
f
ive ta Pro ess
Fiv St r P fe io
e
t
n
s
a
r
e S r P of sio al
tar ro ess na
i
f
Pr es on l
Jerry Lynch ∙ JFL Total Wealth Management
John Moynihan ∙ Waterstone Wealth Advisors
Lisa Pizzella ∙ Morgan Stanley
John Lynde ∙ LPL Financial*
Michael Mrotzek ∙ Morgan Stanley
Gregory Plechner ∙ Modera Wealth Management
David MacKinnon ∙ Morgan Stanley
Paul Muller ∙ Ridgewood Financial Advisors
David Podell ∙ Podell Financial Group
Susan Macy ∙ Ameriprise Financial Services, Inc.
Kevin Mullins ∙ VALIC Financial Advisors
Arthur Podnos ∙ Morgan Stanley
Anthony Magnotta, Jr. ∙ ACM Financial Services
William Munn ∙ Munn & Associates/Ameriprise
Financial Services, Inc.
Nicholas Pontilena ∙ Advanced Financial
Consulting
Brian Murphy ∙ Murphy Financial Advisors/
MetLife Securities
Nicholas Poulis ∙ Morgan Stanley
Scott Mahoney ∙ Morgan Stanley
Chet Makuch ∙ Ameriprise Financial Services,
Inc.
Clark Mangan ∙ Mangan Ernst & Rankin Wealth
Management Group/Janney Montgomery Scott
Rocco Manochio ∙ Ameriprise Financial
Services, Inc.
James Manuola ∙ Merrill Lynch
Michael Marchiano ∙ Morgan Stanley
Ralph Margel ∙ Margel & Associates
Clarence E. Marshall III ∙ RBC Wealth
Management
Christopher Masso ∙ Masso Torrence Wealth
Management
Paul Murray ∙ AXA Advisors
Gabor Nagy ∙ Mendham Wealth Partners
Page 46
Beverly Neal ∙ Ameriprise Financial
Services, Inc.
Peter Needham ∙ AEPG Wealth Strategies
Page 46
Marc Neumann ∙ Lighthouse Planning
Consultants
Randy Neumann ∙ Randy Neumann Wealth
Management Page 46
Jane Newton ∙ Regent Atlantic Capital
Page 46
Eric Pressman ∙ Merrill Lynch
Alec Price ∙ Merrill Lynch
Dennis Quinn ∙ Creative Financial Group of
New Jersey
Keith Radimer ∙ Laselva and Radimer/
Philip Ranalli ∙ Pinnacle Capital Consultants/
LPL Financial
Elias Rauch ∙ Gitterman & Associates Wealth
Management Page 20
Cheruvasseri Ravindranath ∙ Petrone Associates
John Rearden ∙ Ameriprise Financial Services,
Inc.
Robert Mastrandrea ∙ East Coast Wealth
Management
Nicholas Nicolette ∙ Sterling Financial
Planning Page 34
Camillo Matteucci ∙ Ameriprise Financial
Services, Inc.
Maria Z. Nigro ∙ Ameriprise Financial
Tom Regan ∙ Morgan Stanley
Mark Mauro ∙ Mark J. Mauro, CPA
Joseph Norris ∙ Moorestown Wealth
Management Group
Kevin Rex ∙ Rex Global Wealth Management
Michelle May ∙ Ameriprise Financial
Services, Inc.
Mark Reddington ∙ Reddington Advisory Group
James Reilly ∙ Regent Atlantic Capital
Christopher Noviello ∙ Noviello Financial Group
Michael Ricca ∙ Morgan Stanley
Tony Mayo ∙ Ameriprise Financial Services, Inc.
Brendan O’Connor ∙ Lincoln Financial Advisors
Brian McDaid ∙ Compass Point Advisor
William O’Doherty ∙ Thrivent Financial
Robert Richards, Jr. ∙ EPA Financial Services
Corporation
Michael McDyer ∙ Atlas Capital Management
Stephen Oliver ∙ Manhattan Ridge Advisors
Frank McKinley ∙ Nationwide Planning
Associates
Peter J. O’Neill ∙ Tanistry Wealth Management
Michael McLane ∙ Professional Economic
Growth Group*
Jack Oujo ∙ Jack Oujo, CPA
Robert McNeill ∙ AXA Advisors
Neil McNulty ∙ RBC Wealth Management
Glenn Mellin ∙ MetLife Solutions Group
Gregory Merlino ∙ Ameriway Financial Services
Herb Millman ∙ Summit Financial Resources
Richard Miranda ∙ Morgan Stanley
Tom Orecchio ∙ Modera Wealth Management
Page 43
Philip Palazzolo ∙ Morgan Stanley
Michael Pallozzi ∙ HFM Advisors
John Papa ∙ Diversified Planning Strategies
Christopher Parisi ∙ Morgan Stanley
Vincent Parisi ∙ Summit Financial Resources
Jim Parks ∙ Parks Wealth Management
Sean Monahan ∙ Financial Alternatives
Nicholas Pascarella ∙ Nicholas Pascarella &
Company Page 12 & 13
Robert Mongelli ∙ Ameriprise Financial Services,
Inc.
Joseph Patton ∙ Patton Heide & Associates/
Mary Morse ∙ Heritage Investment Partners
Kenneth Paul ∙ Prestige Wealth Management
Group
Gilbert Moscatello ∙ Langdon Ford Financial
Donald Moser ∙ JP Turner
George Mouded ∙ Lincoln Financial Advisors
Damien Paumi ∙ Nisivoccia*
Vincent Pecora ∙ Morgan Stanley
Douglas Pires ∙ Morgan Stanley
Deborah Richin ∙ Morgan Stanley
Chuck Roberson ∙ Modera Wealth Management
Robert Robles ∙ Merrill Lynch
Thomas Roche ∙ FMRL Wealth Advisors
James Rohmann ∙ Morgan Stanley
Eric Rosenberger ∙ Family Wealth Planning
Kurt Rossi ∙ Independent Wealth Management
Christopher Rotella ∙ Ameriprise Financial
Matthew Rotella ∙ Burklow Rotella &
Associates/Ameriprise Financial Services,
Inc. Page 16
Timothy Rowe ∙ Covenant Asset Management
Brigita Rumpeters ∙ Merrill Lynch
Bill Ryan ∙ Ryan Wealth Management Services
Page 38
Michael Salerno ∙ Executive Wealth and
Retirement Strategies
Robert Schiano ∙ Merrill Lynch Pierce Fenner
& Smith
January 2013
FS-5
© F ve ar ro
S
i
© F ve tar Pro
S
f
i
P
© F ve tar ro ess
i
S
f
ive ta Pro ess
Fiv St r P fe io
e
t
n
s
a
r
e S r P of sio al
tar ro ess na
i
f
Pr es on l
Nancy Schmertz ∙ Ameriprise Financial Services,
Inc.
Larry Schneider ∙ Ameriprise Financial Services,
Inc.
Douglas Schorpp ∙ Schorpp Capital
Management
Mark Scordato ∙ Mark Scordato & Associates
Page 29
Gary Selecky ∙ RBC Wealth Management
Page 38
Zia Shaikh ∙ America’s Retirement Planning
Partners
Kenneth B. Shapiro ∙ Shapiro Financial Security
Group
Mark Sullivan ∙ Centinel Financial Group
Mark Swingle ∙ Mark F. Swingle Group
Eleanore Szymanski ∙ EKS Associates*
John Tarantino ∙ Morgan Stanley*
Debra Taylor ∙ Taylor Financial Group
Page 47
John Taylor ∙ Kostka Taylor, CPAs
Alan Zevin ∙ Ameriprise Financial Services, Inc.
Matthew Zhilitsky ∙ Morgan Stanley
Page 47
Insurance
Mushtaq Ahmed ∙ AXA Advisors
Ken Detz ∙ Certified Financial Services
Thomas Tishman ∙ Merrill Lynch
Scott Tonnesen ∙ Morgan Stanley
Alfred Zarroli ∙ Ameriprise Financial
Services, Inc.
Page 44
John Torrence ∙ Masso Torrence Wealth
Management
Patrick Dolan ∙ Lee Nolan & Koroghlian
Eric Greene ∙ Northeast Planning Corporation
Stuart Malakoff ∙ Merrill Lynch
Robert Tria ∙ Ameriprise Financial Services, Inc.
Joseph J. Oakes IV ∙ Acorn Financial Services
Gary Sickler ∙ Ameriprise Financial Services,
Inc.
Paul Tully ∙ Eagle Wealth Strategies/Raymond
James Financial Services
Investments
Matthew Siegel ∙ Millstone River Wealth
Management
Jeffrey Valle ∙ The Falcon Financial Group
Andrew Tupler ∙ Tupler Financial
Page 39
Charles Allen ∙ Morgan Stanley
Stan Alpert ∙ Morgan Stanley
Page 14
Darraugh Valli ∙ Family Investors Company
Michael Altschuler ∙ Wells Fargo Advisors
Financial Network, LLC
Eric Sjolund ∙ Sjolund Financial Services
Richard Vanderpool ∙ Ameriprise Financial
Services, Inc.
Carlos Arias ∙ Ameriprise Financial Services,
Inc. Page 15
Suzanne Sloan ∙ Morgan Stanley
Tyler Vernon ∙ Biltmore Capital Advisors
John Smallwood ∙ Smallwood Capital
Management Page 39
Jose Vicente ∙ Ameriprise Financial Services,
Inc. Page 33
Christopher Armstrong ∙ Charles Schwab &
Company
George Smith ∙ Morgan Stanley
Steven Vitanza ∙ Ameriprise Financial
James Simone ∙ Simone Zajac Wealth
Management Group
Michael Snyder ∙ Chester Financial Group
Keith Soltis ∙ Creative Financial Group of New
Jersey
James Sonneborn ∙ Regent Atlantic Capital
Daniel Sopher ∙ Sopher Financial Group
Robert Sorge ∙ Clearview Investment Partners
Page 44
Nick Spagnoletti ∙ Macro Consulting Group
Page 28
Kevin Sporer ∙ Ameriprise Financial Services,
Inc.
James Stahl ∙ NEXT Financial
Page 31
Shawn Steffens ∙ Steffens & Steffens Financial
Advisory Services/MetLife
Michael Steiner ∙ Regent Atlantic Capital
Michael Stepanski ∙ Financial Advisors of
Delaware Valley
Robert Stewart, Jr. ∙ Stewart Financial
Management
Paul Stierhoff ∙ R. Seelaus & Company
John Stokes III ∙ RBC Wealth Management
David Stuart ∙ Lincoln Financial Advisors
Jeremy Suarez ∙ Cambium
Ted Suleski ∙ Securities America
FS-6
January 2013
Rosanna Vizzoni ∙ Merrill Lynch
David Armstrong ∙ Morgan Stanley
Page 10 & 11
Laura Armstrong ∙ Morgan Stanley
Page 10 & 11
Stephen Walker ∙ Ameriprise Financial
Services, Inc.
Mark Aronson ∙ Wells Fargo Advisors, LLC
Charles Watson ∙ Morgan Stanley
Gregory Barbaro ∙ Merrill Lynch
Page 47
Joseph Watson ∙ Janney Montgomery Scott
Thomas Weber ∙ APT Asset Management
Page 40
Robert Baker ∙ Wells Fargo Advisors, LLC
Richard Barnett ∙ Barnett Financial Services
Ann Baron ∙ Wells Fargo Advisors, LLC
John Weber, Jr. ∙ Weber Wealth Management
Page 47
James Barrett ∙ RMR Wealth Builders
David Weinerman ∙ Morgan Stanley
Daniel Batista ∙ Citi Private Bank
Lawrence Weiss ∙ Merrill Lynch
Mindy Beck ∙ Wells Fargo Advisors, LLC
Michael Weiss ∙ Certified Financial Services
Charles Belluardo ∙ Morgan Stanley*
Scott Whalen ∙ Morgan Stanley
Anthony Benante ∙ Baron Financial Group
Roy Williams ∙ Prestige Wealth Management
Group
Elaine Beneduci ∙ Morgan Stanley
Mark Willoughby ∙ Modera Wealth Management
Richard Wilson ∙ Morgan Stanley
Karen Wisdom ∙ Wisdom Antonelli Financial
Group
Robert Wynn ∙ Strategic Wealth Group
Joseph Yeboah ∙ AXA Advisors
Darren Zagarola ∙ EKS Associates*
James Barry ∙ Merrill Lynch
Page 35
Peter Berlin ∙ Ameriprise Financial Services, Inc.
Robert Bernoskie ∙ Merrill Lynch
Robert Bezzone ∙ Wells Fargo Advisors, LLC
Ralph Bianchi ∙ Wells Fargo Advisors, LLC
Gerard J. Bifulco ∙ Ameriprise Financial
Peter Black ∙ Morgan Stanley
Elizabeth Blanchard ∙ Sopher Financial Group
© F ve ar ro
S
i
© F ve tar Pro
S
f
i
P
© F ve tar ro ess
i
S
f
ive ta Pro ess
Fiv St r P fe io
e
t
n
s
a
r
e S r P of sio al
tar ro ess na
i
f
Pr es on l
Andrew Bodner ∙ Double Diamond
Investment Group
Elliott Collins ∙ Aljen Asset Management
Page 42
Brendan Bogart ∙ Bogart Value Partners
Thomas Collins III ∙ SICA Wealth Management/
Comprehensive Asset Management
Joseph Bonadeo ∙ Charles Schwab & Company
Carla Bond ∙ Merrill Lynch
Leonard Boniface ∙ Merrill Lynch
Eric Boory ∙ Morgan Stanley
Stephen Brady ∙ Morgan Stanley
Page 35
Mark Brahney ∙ Morgan Stanley
John Gleason ∙ Morgan Stanley
Mark Gleckner ∙ Wells Fargo Advisors, LLC
Peter Contini ∙ TIAA-CREF
Sharon Gleckner ∙ Wells Fargo Advisors, LLC
Christopher Cordaro ∙ Regent Atlantic Capital
Sylvan Goldwert ∙ Merrill Lynch
Peter Costello ∙ Wells Fargo Advisors, LLC
Jason Gonter ∙ Ameriprise Financial Services,
Inc.
Ron Critelli ∙ Wells Fargo Advisors, LLC
Steven Borenstein ∙ Morgan Stanley
Rocco Gallo ∙ Wells Fargo Advisors, LLC
G. Thomas Croonquist ∙ Janney Montgomery
Scott
Leo Gotleib ∙ Gotleib & Associates
Audrey Gould ∙ Wells Fargo Advisors, LLC
Hugh Breslin ∙ Wells Fargo Advisors, LLC
Carl Crowley ∙ Boenning & Scattergood
Page 45
Traudy Grande ∙ Wells Fargo Advisors Financial
Network, LLC
Robert Brown ∙ Wells Fargo Advisors, LLC
Robert Cutrupi ∙ Morgan Stanley
Jeffrey Grayson ∙ Wells Fargo Advisors, LLC*
Peter Bruno ∙ Wells Fargo Advisors Financial
Network, LLC
Robert D’Addario ∙ Merrill Lynch
Barry Gross ∙ Morgan Stanley
Robert D’Alia ∙ Merrill Lynch
Gerry Grossman ∙ Morgan Stanley
Seth Bruno ∙ Financial Northeastern
Corporation
Scott Daly ∙ Comprehensive Capital
Management
Peter Hagerman ∙ Hallmark Capital
Management Page 21
John Burke ∙ Burke Financial Strategies
Sean Davis ∙ Wells Fargo Advisors, LLC
Steven Haiser ∙ Primerica
Charles Byron ∙ Alloy Silverstein Financial
Services
Michael Delehanty ∙ 21st Century Advisors
Robert Hall ∙ Edward Jones
Richard Callaghan, Jr. ∙ R. Seelaus & Company
Ernest Camilleri ∙ Camilleri Financial Group
Paul Campadonico ∙ Varbeco Wealth
Management
Bill Delizza ∙ Wells Fargo Advisors, LLC
Steven Di Palma ∙ Wells Fargo Advisors, LLC
Ralph Diaz ∙ Merrill Lynch
Jeffrey Dickinson ∙ MetLife
Carl Hanks ∙ Morgan Stanley
Page 42
Mark Harwanko ∙ Black River Financial
Frank Hayn ∙ Merrill Lynch
John Heavey ∙ Morgan Stanley
Victor Cannillo ∙ Baron Financial Group
Patricia Donelan ∙ Wells Fargo Advisors, LLC
Donald Hecht ∙ Ameriprise Financial Services,
Inc.
Carmen Cappadona ∙ RBC Wealth Management
Christopher Donnelly ∙ Wells Fargo Advisors,
LLC
Jordan Heller ∙ Heller Wealth Advisors
Page 22
Sean Donovan ∙ Delta Financial Group
Barry Hess ∙ Ameriprise Financial Services, Inc.
Patrick Doran ∙ Merrill Lynch
Lawrence Hess ∙ LPL Financial
Scott Drayer ∙ Morgan Stanley
Bob Hoey ∙ Janney Montgomery Scott
William Dredge ∙ Morgan Stanley
Jeffrey Hohl ∙ Wells Fargo Advisors, LLC
Charles Dudley ∙ Wells Fargo Advisors, LLC
David Hollenberg ∙ Merrill Lynch
Jeffrey Duncan ∙ Duncan Financial Services*
William Howard ∙ RBC Wealth Management
Timothy Cappadona ∙ Morgan Stanley
Richard Carchia ∙ Wells Fargo Advisors, LLC
Robert Cariello ∙ Wells Fargo Advisors, LLC
Joseph Caterina ∙ Lincoln Investment Planning
Jason Chambeau ∙ Morgan Stanley
Page 42
Daniel Chen ∙ Multi-Financial Securities
Corporation
Jonathan Chu ∙ Merrill Lynch
Lawrence Durso ∙ Morgan Stanley*
Stephen Cicali ∙ The Mutual Fund Store
Thomas Dwyer ∙ Wells Fargo Advisors, LLC
Richard Cioffi, Jr. ∙ Wells Fargo Advisors, LLC
Monte Edwards ∙ Wells Fargo Advisors, LLC
John Cipollone ∙ Wells Fargo Advisors, LLC
Steve Erikson ∙ Hallmark Capital Management
Page 21
David Clapp ∙ Wells Fargo Advisors, LLC
Barbara Clarke ∙ Morgan Stanley
Geoffrey Close ∙ Morgan Stanley*
Matthew Coe ∙ Morgan Stanley
Michael Colannino ∙ Wells Fargo Advisors, LLC
James H. Coleman ∙ Wells Fargo Advisors, LLC
William Colin ∙ Charles Schwab & Company
Christopher Collins ∙ Christopher R. Collins
Eliot Howell ∙ Wells Fargo Advisors, LLC
James Hunt ∙ LPL Financial
Page 45
Robert Ibrahim ∙ Wells Fargo Advisors, LLC
Page 23
Jim Ireland ∙ Benjamin F. Edwards & Company
Gustav Fingado IV ∙ Merrill Lynch
Todd Jakubik ∙ Total Financial Concepts
Nicholas Fish ∙ Ameriprise Financial Services,
Inc.
Kathleen Joyal ∙ Merrill Lynch Wealth
Management
Michael Flugger ∙ Ameriprise Financial Services,
Inc.
David Karp ∙ Wells Fargo Advisors, LLC
Albert Fox ∙ Fox, Penberthy & Dehn/Merrill
Lynch
James Galbraith ∙ Wells Fargo Advisors, LLC
Todd Galinko ∙ LPL Financial
Frank Karpack ∙ MetLife Resources
Lawrence Karpf ∙ Wells Fargo Advisors, LLC
David Katz ∙ Gitterman & Associates Wealth
Management Page 20
January 2013
FS-7
© F ve ar ro
S
i
© F ve tar Pro
S
f
i
P
© F ve tar ro ess
i
S
f
ive ta Pro ess
Fiv St r P fe io
e
t
n
s
a
r
e S r P of sio al
tar ro ess na
i
f
Pr es on l
Brian Kazanchy ∙ Regent Atlantic Capital
Michelle Keates ∙ Janney Montgomery Scott
Brian Keating ∙ RBC Wealth Management
Brian Kerwin ∙ Wells Fargo Advisors, LLC
Aaron Kessler ∙ Wells Fargo Advisors, LLC*
Bernard Kiely ∙ Kiely Capital Management
Philip Kiernan ∙ Enhanced Dividend Capture
Partners Page 45
Gregory Kipple ∙ Kipple Wealth Management
Page 37
Doug Knight ∙ Janney Montgomery Scott
Eileen Kohler ∙ Kohler Associates*
James McDavitt ∙ Wells Fargo Advisors, LLC
Page 46
Charles McGee ∙ Janney Montgomery Scott
Sean A. McGee ∙ Merrill Lynch
Thomas McGee ∙ Wells Fargo Advisors, LLC
Nicole McGrouther ∙ Wells Fargo Advisors, LLC
John McKenna ∙ Wells Fargo Advisors, LLC
Michele McMahon ∙ Wells Fargo Advisors, LLC
Brett McNamee ∙ Morgan Stanley
Neil McPeak ∙ Wells Fargo Advisors, LLC
Leslie Melnick ∙ Wells Fargo Advisors, LLC
Thomas Ondreyka ∙ Wells Fargo Advisors, LLC
Boris Padams ∙ Wells Fargo Advisors, LLC
Christopher Paglia ∙ Wells Fargo Advisors, LLC
Michael Palace ∙ Wells Fargo Advisors, LLC
Howard Parker ∙ Morgan Stanley
Frank Pavese, Jr. ∙ Wells Fargo Advisors, LLC
Alan Perlberg ∙ Morgan Stanley
Anthony Perruso ∙ Wells Fargo Advisors, LLC
Dan Petrie ∙ Wells Fargo Advisors, LLC
Stephanie Petrosini ∙ Morgan Stanley
Pasquale Pisani ∙ Edward Jones
Thomas Komninos ∙ Ameriprise Financial
George Merrill ∙ Wells Fargo Advisors, LLC
Sebastian Messina ∙ Wells Fargo Advisors, LLC
John Piszko ∙ Wells Fargo Advisors, LLC
Page 37
Daniel Kramer ∙ Wells Fargo Advisors, LLC
Susan Michel ∙ Glen Eagle Advisor*
Richard Policastro ∙ Wells Fargo Advisors, LLC
Glenn Krause ∙ Ameriprise Financial Services,
Inc.
Angus Miller ∙ Morgan Stanley
F. Ponicsan ∙ Wells Fargo Advisors, LLC
Kishor Kumar ∙ Merrill Lynch Wealth
Management
Trevor Miller ∙ Morgan Stanley
Brian Power ∙ Gateway Advisory
Thomas Mimnaugh ∙ Wells Fargo Advisors, LLC
Daniel Price ∙ Certified Financial Services
Vincent Minutillo ∙ Morgan Stanley
Thomas Price ∙ Merrill Lynch
Richard Mitchell ∙ Wells Fargo Advisors, LLC
Chris Purdue ∙ Wells Fargo Advisors, LLC
Peter Mittnacht ∙ Morgan Stanley
Charles Quatrocchi ∙ Wells Fargo Advisors,
LLC Page 46
Joseph Lagowski ∙ Wells Fargo Advisors, LLC
Page 45
Hilary Larkin ∙ Mendham Capital Management
Constance F. Lehman ∙ Lehman Financial
Services
Michael Lehman ∙ Merrill Lynch
Andrew Leicht ∙ Ameriprise Financial
Jerrold Mitzner ∙ Morgan Stanley
Matthew Montenero ∙ Wells Fargo Advisors,
LLC
Kathleen Racz ∙ Janney Montgomery Scott
Scott Randolph ∙ Wells Fargo Advisors, LLC
Neil Montesano ∙ Wells Fargo Advisors, LLC
David Rehrer ∙ Merrill Lynch
Stephen Leightman ∙ RBC Wealth Management
Michael Moore ∙ Wells Fargo Advisors, LLC
Gregg Reich ∙ Sturdy Financial Services
Jay Leonard ∙ Classic Capital
Robert Mosera ∙ Wells Fargo Advisors, LLC
Page 46
Richard Reiss ∙ Morgan Stanley
Robert Lerman ∙ Financial Northeastern
Corporation
Scott Lerner ∙ Morgan Stanley
Nicholas Mueller ∙ Wells Fargo Advisors
Financial Network, LLC
Rachel Leventhal ∙ Hennion & Walsh
Robert Muhleisen ∙ Wells Fargo Advisors, LLC
Page 30
Thomas Ley ∙ Wells Fargo Advisors, LLC
Lawrence Murphy ∙ Murphy Financial Advisors
Matthew Libien ∙ Wells Fargo Advisors, LLC
William Murphy ∙ Wells Fargo Advisors, LLC
Anthony Librizzi ∙ Wells Fargo Advisors, LLC
Joseph Myers ∙ Raymond James Financial
Services Page 43
Frederick Linden ∙ Janney Montgomery Scott
Andrew Liss ∙ Merrill Lynch
James Luongo ∙ LPL Financial
Page 45
Allan Lynn ∙ Mendham Capital Management
Page 45
James Mackenzie ∙ Hennion & Walsh
Matthew MacMichael ∙ Morgan Stanley
Gregory Makowski ∙ CFS Investment Advisory
Services*
Eileen Nagy ∙ Morgan Stanley
John Nardone ∙ Morgan Stanley
Joan Nilan ∙ Wells Fargo Advisors, LLC
Gregory Nolan ∙ Wells Fargo Advisors Financial
Network, LLC
Brian Rice ∙ Raymond James Financial Services
Rodney Riso ∙ Wells Fargo Advisors, LLC
Richard Robbins ∙ Wells Fargo Advisors, LLC
Peter Robertiello ∙ Wells Fargo Advisors, LLC
Lisa Roll ∙ Wells Fargo Advisors, LLC
Page 46
Gary Rosen ∙ Wells Fargo Advisors, LLC
Ralph Rosenbaum ∙ Rosenbaum Financial
Services Page 43
Randall Rosenberg ∙ Morgan Stanley
Page 47
Michael Rubel ∙ Wells Fargo Advisors, LLC
Stacey Rudbart ∙ RBC Wealth Management
Laura Mattia ∙ Baron Financial Group
Margaret O’Meara ∙ O’Meara Financial Group
Jason Riccardo ∙ Morgan Stanley
Andrew Novick ∙ Condor Capital Management
Page 17
Dennis O’Connor ∙ Wells Fargo Advisors, LLC
Page 46
January 2013
Thomas Reynolds ∙ CRA Financial
Robert Norton ∙ Norton Wealth Management
Richard Marr ∙ Wells Fargo Advisors, LLC
FS-8
Paul Renfro ∙ Merrill Lynch
Ian Ruderman ∙ New England Financial
Donald Ruggieri ∙ Wells Fargo Advisors, LLC
Leon Russomanno ∙ Morgan Stanley
© F ve ar ro
S
i
© F ve tar Pro
S
f
i
P
© F ve tar ro ess
i
S
f
ive ta Pro ess
Fiv St r P fe io
e
t
n
s
a
r
e S r P of sio al
tar ro ess na
i
f
Pr es on l
William Sabia ∙ Merrill Lynch
Michael Stagliano ∙ Wells Fargo Advisors, LLC
Frank Yany ∙ Wells Fargo Advisors, LLC
James Sahagian ∙ Wells Fargo Advisors, LLC
Leonard Stagnitti ∙ Wells Fargo Advisors, LLC
Marvin Zektzer ∙ Morgan Stanley
Wayne Sammartino ∙ Merrill Lynch
Janet Stamato ∙ Morgan Stanley
Lloyd Zitomer ∙ Wells Fargo Advisors, LLC
Guy Savino ∙ Wells Fargo Advisors, LLC
Scott Stephen ∙ Wells Fargo Advisors, LLC
Paul B. Zoch ∙ Asset Advisory Group
Richard Schad ∙ Ameriprise Financial
Services, Inc.
Mildred Tabor-Winkle ∙ Wells Fargo Advisors,
LLC*
Taxation
David Schaming ∙ Wells Fargo Advisors, LLC
Vincent Tagliaferri ∙ Creative Financial Group of
New Jersey
Kenneth Schapiro ∙ Condor Capital
Management Page 17
William Tarallo ∙ Wells Fargo Advisors Financial
Network, LLC
Timothy Scherwa ∙ Morgan Stanley
Robert Scherzer ∙ Wells Fargo Advisors, LLC
Frederick Schiller ∙ Morgan Stanley
Page 47
Robert Schmidt ∙ Wells Fargo Advisors, LLC
David Schnall ∙ Wells Fargo Advisors, LLC
Mitchell Schoenbaum ∙ Wells Fargo Advisors,
LLC
Michelle Schonberg ∙ Morgan Stanley
Page 32
Michael Schorr ∙ Morgan Stanley
Richard Beam ∙ Richard S. Beam, CPA
Herbert Botwinick ∙ Botwinick & Company,
CPAs
Frank Taylor ∙ Merrill Lynch
Kenneth Botwinick ∙ Botwinick & Company,
CPAs
Robert Teevan ∙ Buckman Buckman & Reid
Nicholas Cannone ∙ Cannone and Company
Bruce Tepper ∙ Wells Fargo Advisors, LLC
Charles Carroll ∙ Charles M. Carroll, CPA
Patrick Tierney ∙ Merrill Lynch
Reynold Cicalese ∙ Alloy Silverstein Financial
Services
James Travagline ∙ Wells Fargo Advisors, LLC
Joseph Travagline ∙ Wells Fargo Advisors, LLC
Robert Troyano ∙ RMT Wealth Management
David Turk ∙ The Falcon Financial Group
Andrew Fingerhut ∙ Sonzogni Bottitto &
Fingerhut
Joseph Gitto ∙ Becher Della Torre Gitto &
Company
Gary Keller ∙ Keller & Lebovic, CPAs
Don Schreiber ∙ WBI Investments
David Vargo ∙ Varbeco Wealth Management
Page 47
Steven Schwartz ∙ Wells Fargo Advisors, LLC
Nick Ventura ∙ Ventura Wealth Management
Joseph Maida ∙ Maida Mackler
Walter Schwenk ∙ Wells Fargo Advisors, LLC
Kevin Verdon ∙ AXA Advisors*
John Mezzasalma ∙ Mezzasalma Advisors
Kevin Scott ∙ Wells Fargo Advisors, LLC
Kenneth Villano ∙ Raymond James Financial
Services
Anthony Monterisi ∙ Calantone Monterisi &
Company
Michael Vincent ∙ Wells Fargo Advisors, LLC
Paul Mosteller ∙ Mosteller Ischinger & Owens
Alan Vladimir ∙ Wells Fargo Advisors, LLC
Richard Olster ∙ Richard L. Olster
Harold Wachtel ∙ Wachtel Capital Management
Jerry Reimer ∙ Jerry Reimer
Stephen Shueh ∙ Roundview Capital
Deborah Walker ∙ Koerner Walker Wealth
Management
Lee Shulman ∙ Janney Montgomery Scott
Randall Rothstein ∙ Rothstein Sweet Associates,
CPAs
Denis Walker ∙ MetLife
Keith Simons ∙ Morgan Stanley
Daniel J. Schreck ∙ Schreck Bavaro & Company
Paul Wampler ∙ Wampler Wealth Management
Group
James Shagawat ∙ Baron Financial Group
William Shen ∙ Merrill Lynch
John Short ∙ Morgan Stanley
Mark Shottland ∙ Wells Fargo Advisors, LLC
George Sirigotis ∙ RBC Wealth Management
Edward Skarbnik ∙ Wells Fargo Advisors, LLC
Page 43
Bernard Snyder ∙ Janney Montgomery Scott
Eric Soos ∙ Oppenheimer & Company
Stuart Sourifman ∙ Wells Fargo Advisors, LLC
Jim Spanarkel ∙ Bank of America Merrill Lynch
Mark Spedaliere ∙ Merrill Lynch
Corrado Spezzacatena ∙ Wells Fargo Advisors,
LLC
Joel Spitz ∙ Merrill Lynch
Anthony Spizzo ∙ Ameriprise Financial
Joseph Lizza ∙ Lizza & Associates
David Weber ∙ Wells Fargo Advisors, LLC
Andrew Wedeen ∙ Wells Fargo Advisors, LLC
Paul Weiner ∙ Wells Fargo Advisors, LLC
Jesse Weissberger ∙ Wells Fargo Advisors, LLC
Scott Wight ∙ Walnut Street Securities
Jeffrey Wilson ∙ Wells Fargo Advisors, LLC
Donald Witkowski ∙ Merrill Lynch
William B. Wolf ∙ Merrill Lynch
Terence Wynne ∙ Edward Jones
Joseph Xerri ∙ Wells Fargo Advisors, LLC
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, Certified Financial Planner™ and the federally registered CFP (with flame logo) in the U.S., which it awards to
individuals who successfully complete CFP Board’s initial and ongoing certification requirements. The Chartered Financial Consultant credential [ChFC®] is a financial planning designation awarded
by The American College.
January 2013
FS-9
© F ve ar ro
S
i
© F ve tar Pro
S
f
i
P
© F ve tar ro ess
i
S
f
ive ta Pro ess
Fiv St r P fe io
e
t
n
s
a
r
e S r P of sio al
tar ro ess na
i
f
Pr es on l
The Armstrong Group at Morgan Stanley
Left to right: Philip Armstrong, 2013 winner David Armstrong, 2013 winner Laura Armstrong, three-year winner Diana Armstrong
FS-10
January 2013
© F ve ar ro
S
i
© F ve tar Pro
S
f
i
P
© F ve tar ro ess
i
S
f
ive ta Pro ess
Fiv St r P fe io
e
t
n
s
a
r
e S r P of sio al
tar ro ess na
i
f
Pr es on l
Three-year winner
Diana Armstrong,
CFP®, Senior Vice President,
Financial Advisor
2013 winner David Armstrong,
CFP®, Associate Vice President,
Financial Advisor
2013 winner Laura Armstrong,
Financial Advisor
Philip Armstrong,
CFP®, Relationship Manager
Our Family Working Together for You
• Retirement planning and IRA rollovers
• Generational strategies to help accumulate, preserve and transfer wealth
• Customized income and investment strategies
• Annuity reviews
Areas of Focus: Comprehensive Wealth Management Services, Options, Alternative Investments
With more than 72 years of combined financial industry experience*, The Armstrong Group at Morgan Stanley understands the complexities of
your wealth. We help successful families, professionals and business owners design and implement plans for financial success.
The Armstrong Group values the uniqueness of each client and carefully listens to your individual needs. Together, we will work with you to help
customize an investment solution that reflects your vision and values. We further serve you by providing ongoing analysis, guidance and
education. Our family enjoys working with our clients, and it shows — we make friends and keep them. Let us help you grow and preserve your
wealth, so you can transfer it to future generations! Congratulations, Diana, on being a three-year Five Star recipient.
15 Independence Blvd. • Warren, NJ 07059
Office: (908) 626-8665 • Toll-free: (866) 252-0740
laura.armstrong@mssb.com • www.morganstanley.com/fa/armstrong
Tax laws are complex and subject to change. Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors do not provide tax or legal advice. This material was not intended or written to be used for the purpose of avoiding tax penalties that may be
imposed on the taxpayer. Individuals are urged to consult their personal tax or legal advisors to understand the tax and related consequences of any actions or investments described herein. © 2013 Morgan Stanley Smith Barney LLC. Member SIPC.
*Diana 30 years, David 16 years, Philip 13 years, Laura 13 years.
January 2013
FS-11
© F ve ar ro
S
i
© F ve tar Pro
S
f
i
P
© F ve tar ro ess
i
S
f
ive ta Pro ess
Fiv St r P fe io
e
t
n
s
a
r
e S r P of sio al
tar ro ess na
i
f
Pr es on l
Nicholas Pascarella & Co.
Left to right: Three-year winner Nicholas A. Pascarella, CPA-PFS, CFP®; Mary C. Pascarella, CFP®; Eric J. Pascarella, CPA
FS-12
January 2013
© F ve ar ro
S
i
© F ve tar Pro
S
f
i
P
© F ve tar ro ess
i
S
f
ive ta Pro ess
Fiv St r P fe io
e
t
n
s
a
r
e S r P of sio al
tar ro ess na
i
f
Pr es on l
We Listen, We Act, We Care
• Named by Barron’s as “Top 1,000 Wealth Advisors” for 2009, 2010, 2011 and 2012
• Committed to comprehensive wealth management and financial planning for more than 23 years
• Dedicated to developing long-term, trusted relationships through exceptional personal service
Areas of Focus: Wealth management and experienced financial planning focused on the protection of assets and retirement income strategies, tailored for
each individual client.
We recognize your unique challenges and the dynamic economic environment that demands attention to your investments.
We listen: It is through listening to the concerns and needs of each of our clients that we develop sound solutions. Our goal is to help protect
our clients and their assets with recommendations for personal wealth management of investment portfolios, variable annuities, life insurance,
long-term care and disability income plans.
We act: Our success is directly related to the implementation of the solutions we provide and the extraordinary service that exceeds our clients’
expectations. We analyze, implement and monitor your investment portfolio with your specific goals in mind.
We care: Nicholas Pascarella & Co. is more than a financial services firm — we are your trusted partner in achieving your financial success. Contact us to
see why our clients consider us instrumental to their financial freedom, because “financial independence” does not mean investing on your own!
50 Parsippany Road, Suite 301 • Parsippany, NJ 07054
Office: (973) 428-3400
www.npcofinancial.com
Securities and advisory services offered through Cetera Advisors LLC, member FINRA/SIPC.
Cetera is under separate ownership from any other entity.
January 2013
FS-13
© F ve ar ro
S
i
© F ve tar Pro
S
f
i
P
© F ve tar ro ess
i
S
f
ive ta Pro ess
Fiv St r P fe io
e
t
n
s
a
r
e S r P of sio al
tar ro ess na
i
f
Pr es on l
The Alpert Kaufman Group at Morgan Stanley
A Team Approach to Your Financial Solutions
Portfolio management
— discretionary trading
tailored to your goals
Left to right: 2013 winner Stan Alpert, Senior Vice President, Financial Advisor;
Gregg Kaufman, Senior Vice President, Financial Advisor; Jennifer Hopkins, Senior Registered Associate;
Irene Warner, Senior Registered Associate
• 78 of years of combined industry experience
• Customized investing and risk management strategies
• Individuals, high-net-worth investors, 401(k) and retirement plans
Five Star Wealth Manager Stan Alpert and the Alpert Kaufman
Group believe our No. 1 goal is to protect our clients’ principal.
Our approach to investing involves extensive research, a solid
foundation and working knowledge of historical market trends.
We feel it is just as important to manage risk in a down market
as it is to maximize return in an upward market. Our portfolio
management discretionary trading platform attempts to do
just that. We work with you to create a portfolio that serves
your financial goals and your level of comfort. We continue to
monitor those goals as they evolve, either due to life events
or market events. Let us help you make the most of what you
have worked so hard to earn.
150 John F. Kennedy Parkway, 2nd Floor • Short Hills, NJ 07078
Direct: (973) 467-6362 • Toll-free: (866) 288-4711
stan.alpert@morganstanley.com • gregg.kaufman@morganstanley.com
© 2013 Morgan Stanley Smith Barney LLC. Member SIPC.
FS-14
January 2013
© F ve ar ro
S
i
© F ve tar Pro
S
f
i
P
© F ve tar ro ess
i
S
f
ive ta Pro ess
Fiv St r P fe io
e
t
n
s
a
r
e S r P of sio al
tar ro ess na
i
f
Pr es on l
Carlos F. Arias
“Because My Success Is Measured by the Success of My Clients.”
Retirement, Investments,
Estate and Business
Planning Strategies
Three-year winner Carlos Arias, CRPC®, Financial Advisor
• An Ameriprise financial advisor since 1999
• Ameriprise Circle of Success recipient, 2005 – 2010
• An Ameriprise Platinum Financial Services® practice
Carlos F. Arias ranks among the top financial advisors at
Ameriprise Financial, a firm founded in 1894. Discipline,
leadership skills and a strong knowledge of financial planning
and investing have helped him to navigate clients through
some of history’s toughest economic times. His team approach
is designed to help clients through personalized analysis
whereby recommendations and strategies are provided and
tracked on an ongoing basis. This approach has helped Carlos
and his team to deliver a high level of advice, service and client
satisfaction.
123 North Union Avenue, Cleveland Plaza, Suite 306A • Cranford, NJ 07016
Office: (908) 926-2960 • Cell: (908) 553-4035
carlos.f.arias@ampf.com • ameripriseadvisors.com/carlos.f.arias
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success. Brokerage, investment and financial
advisory services are made available through Ameriprise Financial Services, Inc., Member FINRA and SIPC. Some products and services may not be available in all jurisdictions or to all clients.
January 2013
FS-15
© F ve ar ro
S
i
© F ve tar Pro
S
f
i
P
© F ve tar ro ess
i
S
f
ive ta Pro ess
Fiv St r P fe io
e
t
n
s
a
r
e S r P of sio al
tar ro ess na
i
f
Pr es on l
Burklow, Rotella & Associates
Plan for Confident Retirement, a Future on Your Own Terms
Areas of Focus:
Wealth Management
Retirement Planning
Left to right: Seated: Morgan Burklow, three-year winner Matthew Rotella
Standing: Ben Burklow, three-year winner William Lewis, Karol Turner
three-year winners Christopher Rotella and Timothy Burklow
• Financial planning is more than numbers — it’s also about dreams
• A one-on-one relationship with a dedicated advisor
• Because you deserve a high level of service
Burklow, Rotella & Associates, a private wealth advisory
practice of Ameriprise Financial Services Inc., is comprised of
knowledgeable financial professionals who can help simplify
your complex wealth management needs. They provide a level
of experience, wisdom and service to you.
Left to right: Managing Directors Matthew Rotella and Timothy Burklow
73 Newark Pompton Turnpike, Floor 2 • Riverdale, NJ 07457
Office: (973) 616-8020
matthew.r.rotella@ampf.com • matthewrotella.com • timothy.m.burklow@ampf.com • timothyburklow.com
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success.
Brokerage, investment and financial advisory services are made available through Ameriprise Financial Services, Inc., Member FINRA and SIPC.
Some products and services may not be available in all jurisdictions or to all clients. Ameriprise Financial cannot guarantee future financial results.
FS-16
January 2013
© F ve ar ro
S
i
© F ve tar Pro
S
f
i
P
© F ve tar ro ess
i
S
f
ive ta Pro ess
Fiv St r P fe io
e
t
n
s
a
r
e S r P of sio al
tar ro ess na
i
f
Pr es on l
Condor Capital Management Team
High-End Service, Low Cost
Customized Investment
Management and
Financial Planning
Solutions
Left to right: Two-year winner Ken Schapiro, Steve Tipping,
three-year winner Andrew Novick, Brian Slater and Michael Walliser
• Condor Capital is a fee-only registered investment advisor
• Fees ranking in the lowest quartile of advisors for accounts below $500,000
• Pictured staff has an average age of 42 and average tenure of 16 years
At Condor Capital, we pride ourselves on providing our clients
with the highest level of service for the lowest cost possible. In
fact, our fees rank below the average management fee charged
by advisors in the lowest fee quartile for accounts between
$250,000 – $500,000 and rank below the average management
fee on accounts of $1 million, according to InvestmentNews/
PriceMetrix Inc. Moreover, our team approach allows our
clients to utilize the skills and specialties of every employee,
while still benefitting from a personal feel. Give us a call today.
1973 Washington Valley Road • Martinsville, NJ 08836
Office: (732) 356-7323
info@condorcapital.com • www.condorcapital.com
January 2013
FS-17
© F ve ar ro
S
i
© F ve tar Pro
S
f
i
P
© F ve tar ro ess
i
S
f
ive ta Pro ess
Fiv St r P fe io
e
t
n
s
a
r
e S r P of sio al
tar ro ess na
i
f
Pr es on l
John M. Egan
Experience • Integrity • Superior Service
• Comprehensive financial planning solutions
• Independent, objective advice coupled with
unbiased investment research
Tw
W o-Y
in ea
ne r
r
• Committed to serving our clients’ needs
Two-year winner John M. Egan, CERTIFIED FINANCIAL PLANNER™ practitioner
My team believes in building relationships for the long term,
guiding you through the stages of wealth with a plan, helping
you pursue your financial realities and developing strategies to
help you work towards your dreams.
We limit the number of clients in our practice, which enables
us to provide concierge-level service and allows you to have
the best and most personal experience.
We work with our clients as if they were part of our own families
and aspire to build meaningful, long-term relationships based
upon trust, integrity and superior client service.
Call today for your complimentary appointment in our
Madison or Sea Girt, New Jersey offices.
21 Green Village Road • Madison, NJ 07940 | 2150 Highway 35, Suite 250 • Sea Girt, NJ 08750
Toll-free: (800) 919-5010 • Fax: (973) 377-7080
john@jmegan.com • www.jmegan.com
Investment Advisory Services offered through J.M. Egan Wealth Advisors, LLC. • John M. Egan, CFP®, Investment Advisor Representative. Securities offered through Securities America, Inc. Member FINRA/SIPC.
• John M. Egan, CFP®, Registered Representative. Securities America, Inc., and J.M. Egan Wealth Advisors, LLC are independent non-affiliated entities. Please remember to contact J.M. Egan Wealth Advisors,
LLC, if there are any changes in your financial situation or investment objectives, or if you wish to impose, add or to modify any reasonable restrictions to our investment management and advisory services.
A copy of our current written disclosure statement discussing our advisory services and fees continues to remain available for your review.
FS-18
January 2013
© F ve ar ro
S
i
© F ve tar Pro
S
f
i
P
© F ve tar ro ess
i
S
f
ive ta Pro ess
Fiv St r P fe io
e
t
n
s
a
r
e S r P of sio al
tar ro ess na
i
f
Pr es on l
Financial Principles, LLC
Focused on Your Financial Independence
Areas of Focus: Wealth
Management, Advanced
Planning and Client
Relationship Management
Left to right: Back row: Carlos Abad, Daniel Trout and Todd Werling
Front row: Michael Flower, CFP®, Managing Partner; three-year winner Bradley H. Bofford, CLU®, ChFC®, CFP®, Managing Partner
• Consultative financial planning, professional wealth management
• Independent investment and insurance services
• Retirement, business and estate planning strategies
At Financial Principles, we are proud to serve as a trusted
advisor, helping clients address the complex challenges of
achieving financial independence in a clear, concise and
streamlined manner. We utilize an ongoing consultative
process in order to deliver a world-class wealth management
experience. The goal is to live with confidence and retire with
financial independence. Our clients are successful smallbusiness owners, retirees, widows, executives, entrepreneurs
and the affluent, primarily in the northern New Jersey/greater
NYC metropolitan area. Our advisors also specialize in latestage college planning and preparing school administrators
for their ideal retirement. We would be happy to explore
whether or not we would be the right firm to add value to your
unique financial situation. Please contact us today to schedule
a discovery meeting.
310 Passaic Avenue, Suite 203 • Fairfield, NJ 07004
NYC Office: Ladenburg Thalmann • 520 Madison Avenue, 9th Floor • New York, NY 10022
Office: (973) 582-1000 • Toll-free: (866) 401-K529
www.FinancialPrinciples.com • Info@financialprinciples.com
Securities offered through Securities America, Inc., Member FINRA/SIPC. Advisory services provided through Securities America Advisors, Inc.,
a Registered Investment Advisory Firm. Financial Principles, LLC. Ladenburg Thalmann and Securities America companies are not affiliated.
January 2013
FS-19
© F ve ar ro
S
i
© F ve tar Pro
S
f
i
P
© F ve tar ro ess
i
S
f
ive ta Pro ess
Fiv St r P fe io
e
t
n
s
a
r
e S r P of sio al
tar ro ess na
i
f
Pr es on l
The “Educator’s Educator” for a Quarter Century
Tw
W o-Y
in ea
ne r
r
Gitterman & Associates Wealth Management Team
Investment Management
and Financial Planning
Services Delivered by
Dedicated Professionals
Left to right: Jeffrey Gitterman, CEO; 2013 New Jersey winner and 2012 Miami winner David Katz, COO, CFO
and two-year winner Elias Rauch, CIO (Not pictured: 2013 winner Daniel Armas)
• Stewards of our clients’ assets, we invest solely to meet our clients’ objectives
• Specializing in the financial planning needs of physicians, dentists and college professionals
• Retirement income planning specialists
For more than 25 years, our team of professionals has been
helping physicians, dentists and college professionals prepare
for and successfully navigate retirement. Money magazine
referred to us as “The Educator’s Educator.” The firm has also
been featured in Affluent magazine, London Glossy magazine,
Financial Advisor magazine, Medical Economics magazine,
Dental Products magazine, Exceptional People magazine and
CNN.
goals and risk tolerance. We have a successful history of
building long-term relationships based on integrity and trust.
Our firm believes that the essence of investment management
is the management of risk. The cornerstone of our philosophy
is to build for each client a well-diversified, risk-controlled
portfolio that is appropriate for their specific concerns and
objectives. We understand that risk and reward are directly
related. Our experience shows that a well-diversified portfolio
Our mission is to help our clients create and preserve wealth utilizing traditional and alternative investments can reduce
through a consultative process, designed to make the most risk without sacrificing the expectation of reward.
appropriate recommendations based on individual needs,
70 Wood Avenue South, 3rd Floor • Iselin, NJ 08830 | 7763 Glades Road • Boca Raton, FL 33434
Iselin: (848) 248-4867 • Boca Raton: (561) 477-5340
www.gawmllc.com
Securities Offered through Triad Advisors Inc. Member FINRA/SIPC.
Investment Advisory Services offered through Gitterman & Associates Wealth Management, LLC, a Registered Investment Advisor which is not affiliated with Triad Advisors Inc.
FS-20
January 2013
© F ve ar ro
S
i
© F ve tar Pro
S
f
i
P
© F ve tar ro ess
i
S
f
ive ta Pro ess
Fiv St r P fe io
e
t
n
s
a
r
e S r P of sio al
tar ro ess na
i
f
Pr es on l
Hallmark Capital Management, Inc.
Managing Investment Portfolios for Institutions and Individuals
Left to right: Seated: Three-year winner Steve Erikson, Chief Executive Officer, CFP®, CDFA™;
two-year winner Peter Hagerman; Standing: Steven Tussi; Thomas Moore, Chief Investment Officer, CFA®;
Carol Vanderpoel; Cynthia Bechmann; Jeffrey Braff; Kathryn Skwieralski
• Comprehensive team approach
• Highly customized portfolio management
• Disciplined and transparent process
Hallmark Capital Management, Inc. is dedicated to empowering
our clients to attain their financial goals by providing objective
investment management and financial planning services.
and wisdom on behalf of our clients, as we have for more than
25 years.
Hallmark Capital Management, Inc. has a fiduciary duty of
We remain committed to maintaining the highest degree of care, loyalty, honesty and good faith to always place the best
professionalism and integrity, while using our best judgment interests of our clients ahead of our own.
1195 Hamburg Turnpike • Wayne, NJ 07470
Office: (973) 808-4144
eriksons@hallcapmgt.com • hallcapmgt.com
Hallmark Capital Management, Inc. is a registered investment adviser.
January 2013
FS-21
© F ve ar ro
S
i
© F ve tar Pro
S
f
i
P
© F ve tar ro ess
i
S
f
ive ta Pro ess
Fiv St r P fe io
e
t
n
s
a
r
e S r P of sio al
tar ro ess na
i
f
Pr es on l
Heller Wealth Advisors
Your Advisor Through the Journey of Life
Customized Investment
Management and
Financial Planning
Solutions
Left to right: 2013 winner Jordan Heller, CPA, CFA®, CFP®; Scott Drown, CIMA®, AAMS®; Donald Hertling, CFP®, MST
• We are a fee-only, SEC-registered investment advisor
• Five-year annual client retention rate of 98%
• Our team has more than 65 years of combined experience
Heller Wealth Advisors is an independent fee-only financial
planning and investment management firm committed to
helping our clients at all stages in life to protect, grow and
transfer their assets in an advantageous and tax-efficient
manner. Our comprehensive approach to wealth management
integrates our clients’ personal and business goals into one
synergistic plan, which is continually reviewed, updated and
refined. Above all, we are an independent and objective
advisor who regard each client as an individual requiring a
customized strategy.
101 Eisenhower Parkway • Roseland, NJ 07068
Phone: (973) 287-5432 • Fax: (973) 228-8845
jheller@hellerwealth.com • www.hellerwealth.com
More details about the company can be found in its written disclosure brochure as set forth on Form ADV Part 2 which discusses its business, operations, services and fees, a copy of which is available upon
request. The reader is reminded that past performance of any kind may not be indicative of future results, and that different types of investments and investment strategies involve varying degrees of risk. There
can be no assurance that future performance of any specific investment or investment strategy will be profitable, equal to any general or specific level of performance, or be suitable for a client’s situation.
FS-22
January 2013
© F ve ar ro
S
i
© F ve tar Pro
S
f
i
P
© F ve tar ro ess
i
S
f
ive ta Pro ess
Fiv St r P fe io
e
t
n
s
a
r
e S r P of sio al
tar ro ess na
i
f
Pr es on l
Robert F. Ibrahim
Needs-Based Client Strategies
Areas of Focus:
Retirement Plan Design,
Tax-Advantaged Investing,
High-Net-Worth Asset
Management
Three-year winner Robert F. Ibrahim, Financial Advisor, First Vice President – Investments, CRPC®
• Helping clients pursue their goals using a structured, ongoing, time-tested, disciplined approach
• Utilizing tax-advantaged strategies for the highly compensated
• Providing clients with up-to-date asset and income preservation strategies
With more than 20 years of experience in the financial
services industry, I utilize the disciplined investment planning
approach. Our practice implements retirement-plan design
techniques that strive to provide tax savings for the highly
compensated. Complimentary analysis of investment plans
are conducted in order to make the decision-making process
for clients easy to understand and implement. We maintain a
target-driven game plan throughout the process. We then use
a time-tested process for tracking clients’ goals and objectives.
We focus on the needs and risk tolerance of the client.
649 Route 206 North • Hillsborough, NJ 08844
Phone: (908) 904-6113 • Fax: (908) 598-3847
robert.ibrahim@wellsfargo.com
Advisor selection is not reflective of individual client satisfaction or future performance. Please see the introduction section for important information on the scope of the award and the Five Star selection
process. Wells Fargo Advisors, LLC, Member SIPC, is a registered broker-dealer and a separate non-bank affiliate of Wells Fargo & Company. Wells Fargo is not a legal or tax advisor. However, its Financial
Advisors will be glad to work with you, your accountant, tax advisor and/or lawyer to help you meet your financial goals. [CAR 1112-01649].
Investment and Insurance Products:
Not FDIC-Insured NO Bank Guarantee MAY Lose Value
January 2013
FS-23
© F ve ar ro
S
i
© F ve tar Pro
S
f
i
P
© F ve tar ro ess
i
S
f
ive ta Pro ess
Fiv St r P fe io
e
t
n
s
a
r
e S r P of sio al
tar ro ess na
i
f
Pr es on l
Creators of The Total Wealth Solution™
Tw
W o-Y
in ea
ne r
r
The Iola Financial Group
Comprehensive Fee-Based
Estate, Tax, Retirement,
Investment, Business
Transfer/Exit Planning and
Charitable Giving
Left to right: Maureen Rushin, Geri Mooney, Kathleen Iola and
two-year winner Robert Iola, Jr., CLU®, ChFC®
• Trusted by multiple generations to build and preserve family wealth
• Proprietary process and strategies developed exclusively for high-net-worth clients
• Supported by Summit Financial Resources, one of the largest private firms in the U.S.
We know that successful people are bombarded with an
avalanche of financial planning information from print, TV,
radio and the Internet. In addition, they often have multiple
advisors handling different parts of their plan, resulting in
planning gaps which can have catastrophic consequences.
How do you cut through all the noise and get the advice and
coordination you need to make good decisions?
Since 1990, we have been providing the right advice to our
clients by first listening to what is important to them. Then our
proprietary planning process, The Total Wealth SolutionTM, helps
them uncover all available options, and together, we select the
ones that most effectively get them to their goals. We then lift
the burden of coordination off of our clients, so they can rest
easy knowing we have handled the details.
4 Campus Drive, c/o Summit Financial Resources, Inc. • Parsippany, NJ 07054
Phone: (973) 285-3633
riola@sfr1.com • www.iolafinancialgroup.com
Robert L. Iola, Jr., President of The Iola Financial Group, is a registered advisor offering securities and investment advisory services through Summit Equities, Inc.,
Member FINRA/SIPC, and financial planning services through Summit Equities, Inc.’s affiliate Summit Financial Resources, Inc.
4 Campus Drive, Parsippany, NJ 07054. Tel. (973) 285-3600 Fax. (973) 285-3666. 20121109-0526.
FS-24
January 2013
© F ve ar ro
S
i
© F ve tar Pro
S
f
i
P
© F ve tar ro ess
i
S
f
ive ta Pro ess
Fiv St r P fe io
e
t
n
s
a
r
e S r P of sio al
tar ro ess na
i
f
Pr es on l
Kingsbridge Financial Group
Helping Families and Businesses Accumulate, Protect and Transfer Wealth
Integrated Wealth
Management: Risk,
Investments and Benefits
Left to right: Front row: Philip Fabrizio, CFP®, ChFC®, CLU®;
2013 winner David J. Grossman, CLU®, President; Christina Piromalli, LuAnn DiPrenda
Back row: James Pacilio, CEO; Eileen Disbrow, Christopher Haliskoe, Kristopher Grossman, CFP®
• Wealth management, personal risk management and financial planning
• Estate transfer and business continuation strategies
• Employee benefits: pension/401(k), group health, life, LTD and LTC insurance
We would like to take this opportunity to thank our clients,
many of whom have been with us for more than 30 years.
During that time, nothing has given us greater pleasure than
to watch our clients send children to college, sell businesses to
the next generation, retire in comfort and see carefully planned
wealth transfer take place, even in the face of unforeseen or
unfortunate events. As we move forward, helping clients
achieve their dreams and planning for their future remains our
top priority.
1455 Broad Street, Suite 300 • Bloomfield, NJ 07003
Office: (973) 771-0886
DavidG@kingsbridge.com • www.kingsbridge.com
Financial professionals with Kingsbridge offer securities and investment advisory services through AXA Advisors, LLC (NY, NY 212-314-4600), member NASD, FINRA, SIPC,
and offers annuity and insurance products through AXA Network, LLC and its subsidiaries. Kingsbridge Financial Group, Inc. is not owned or operated by AXA Advisors or AXA Network.
PPG 81673 (11/12)(Exp 11/14).
January 2013
FS-25
© F ve ar ro
S
i
© F ve tar Pro
S
f
i
P
© F ve tar ro ess
i
S
f
ive ta Pro ess
Fiv St r P fe io
e
t
n
s
a
r
e S r P of sio al
tar ro ess na
i
f
Pr es on l
The Kreshpane Group at Morgan Stanley
Experience. Integrity. Strategies.
Left to right: Seated: Linda Varon, Senior Registered Client Service Associate;
three-year winner Karl Kreshpane, Senior Vice President, Wealth Advisor;
Standing: Steven Syslo, Financial Advisor; Judy Griffin, Senior Registered Client Service Associate
Areas of Focus: Financial
and Retirement Planning,
Estate and Legacy
Planning, Investment
Management, Insurance
Services
• Customized wealth management strategies
• Personal, multigenerational relationships built on trust and experience
• Supporting individual and business clients over a lifetime of evolving needs
Five Star Wealth Manager Karl Kreshpane and The Kreshpane
Group’s mission is to guide private investors, businesses and
nonprofit organizations in achieving their financial goals. We
help clients to grow, preserve, protect and distribute their
wealth in the most tax-advantaged manner possible. The
Kreshpane Group at Morgan Stanley was created with the
goal of providing the highest-quality service and advice in
the financial services industry. Our clients can leverage the
full platform of Morgan Stanley to help realize their long-term
financial goals.
We take very seriously the responsibility our clients have
placed in us. We make recommendations only after a thorough
planning process and customize each client’s plan to his or her
income needs, long-term goals and legacy aspirations. The
Kreshpane Group at Morgan Stanley also works closely with
our clients’ accountants and attorneys to help ensure that their
tax and legal liabilities are kept to a minimum.
The Kreshpane Group welcomes the opportunity to work for you.
1200 East Ridgewood Avenue, 3rd Floor • Ridgewood, NJ 07450
Direct: (201) 670-3423 • Toll-free: (800) 927-0237
karl.kreshpane@morganstanley.com • www.morganstanleyfa.com/kreshpanesyslo
© 2013 Morgan Stanley Smith Barney LLC. Member SIPC. Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors do not provide tax or legal advice.
Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
Life insurance, disability income insurance and long-term care insurance are offered through Morgan Stanley licensed insurance agency affiliates.
FS-26
January 2013
© F ve ar ro
S
i
© F ve tar Pro
S
f
i
P
© F ve tar ro ess
i
S
f
ive ta Pro ess
Fiv St r P fe io
e
t
n
s
a
r
e S r P of sio al
tar ro ess na
i
f
Pr es on l
Andrew J. Leicht
Personal Approach to Wealth Management
Areas of Focus: Strategies
for Wealth Management,
Retirement and Tax
Planning
Left to right: Constance Millahn, Paraplanner; Bobbie Siemers, CFP®, Associate Financial Advisor;
three-year winner Andrew J. Leicht, Private Wealth Advisor, CFP®, ChFC®; Barbara Heaton, Office Manager
• Comprehensive approach to financial planning and sophisticated, personalized advice
• Values: service, wisdom, integrity, teamwork
Once again, as a Five Star Wealth Manager, Andrew would
like to thank the clients he works with. He strives to maintain
long-term relationships with clients by offering personalized
service and research-based planning. He believes in ongoing
communication as a critical component in working together
and the cornerstone of a plan customized for tomorrow’s goals
without sacrificing the needs of today.
He also believes in a forward-looking approach to wealth
management to help reduce risk and provide potential
opportunities.
For more than 15 years as a financial advisor with Ameriprise,
he and his team of dedicated professionals have helped
their busy and successful clients navigate financial markets,
develop tax and estate planning strategies, and make financial
The complexity of the current financial marketplace makes decisions through personal attention and a comprehensive
it more important than ever to have a balanced approach to approach to financial planning.
investing, guided by professional counsel and experience.
900 Lanidex Plaza, Suite 110 • Parsippany, NJ 07054
Office: (973) 599-0200 • Fax: (973) 599-0525
andrew.j.leicht@ampf.com • www.ameripriseadvisors.com/andrew.j.leicht
Ameriprise Financial and its representatives do not provide tax or legal advice. Consult your tax advisor or attorney regarding specific tax issues. Investors should conduct their own evaluation
of a financial professional as working with a financial advisor is not a guarantee of future financial success. Brokerage, investment and financial advisory services are made available through
Ameriprise Financial Services, Inc., Member FINRA and SIPC. Some products and services may not be available in all jurisdictions or to all clients.
January 2013
FS-27
© F ve ar ro
S
i
© F ve tar Pro
S
f
i
P
© F ve tar ro ess
i
S
f
ive ta Pro ess
Fiv St r P fe io
e
t
n
s
a
r
e S r P of sio al
tar ro ess na
i
f
Pr es on l
MACRO Consulting Group
“Fifteen-Star” Office — All Three Partners Named Five Star Recipients*
Focused, Independent,
Committed
Left to right: Three-year winners Nick Spagnoletti, Jr., CFP®; Mark Cortazzo, CFP®; and Jay LaMalfa, CFP®, CLTC
• Customized retirement and investment planning for affluent individuals
• Each client receives unsurpassed personal and professional attention
• Ranked No. 1 independent advisor in New Jersey by Barron’s (2011 and 2012)**
Established in 1992, MACRO Consulting Group is one of New
Jersey’s most distinguished financial planning firms. With an
extensive knowledge of the needs of the mature investor and
our concentration on long-term investment strategies, our
clients can be confident that the MACRO team appreciates the
complex concerns surrounding wealth distribution.
As an independent organization, MACRO is able to implement
exclusive, customized strategies to help our clients build a
future of wealth and maintain their current lifestyle throughout
retirement.
1639 Route 10 East, First Floor • Parsippany, NJ 07054
Phone: (973) 451-9400 • Fax: (973) 451-9401
info@macroconsultinggroup.com • www.macroconsultinggroup.com
*For basis of award selection, see “selection process” within this publication.
**Mark Cortazzo, CFP® — Based on assets managed, revenue and quality of practice.
Securities offered through LPL Financial, Member FINRA, SIPC. MACRO Consulting Group, LLC and LPL Financial are separate and unrelated companies. Advisory Services offered through MACRO Consulting Group, LLC, a
registered investment adviser with the Securities and Exchange Commission. MACRO only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.
FS-28
January 2013
© F ve ar ro
S
i
© F ve tar Pro
S
f
i
P
© F ve tar ro ess
i
S
f
ive ta Pro ess
Fiv St r P fe io
e
t
n
s
a
r
e S r P of sio al
tar ro ess na
i
f
Pr es on l
We Provide a Personalized, Problem-Solving Approach to Successful Retirement Planning
Areas of Focus: Retirement
Income Planning
Left to right: Amanda Justino, Donna Dupre, JoAnne Stanton
and three-year winner Mark Scordato, Registered Investment Advisor
• We are an independent firm offering innovative strategies for changing times
• Our focus is building relationships through loyalty and commitment to our clients
• We spend considerable time developing low-cost, effective retirement income portfolios
I saw the need to fill a tremendous void in the market place.
I wanted a practice where the retirement income planning
need of the individual would come first rather than the
hidden agendas of some of the large Wall Street firms. I am
president of Mark Scordato & Associates, Inc., a registered
investment advisor located in Parsippany, N.J. Much sought
after as a speaker with more than 20 years of financial services
experience, I have taught retirement planning seminars
throughout the country. I am known for making complex
retirement planning issues clear and easy to understand. I
assist investors concerned with retirement planning issues to
help preserve their capital, potentially increase their income
and lessen the tax liability to their heirs. My clients often find
that, after working with me, they have moved significantly
forward in their planning, simplifying their finances and
obtaining more peace of mind about their financial future. I
hold insurance licenses in several states, as well as Series 7 and
66 securities licenses.
119 Cherry Hill Road, Suite 135 • Parsippany, NJ 07054
Office: (888) 331-4540
mvs@markscordato.com • www.markscordato.com
Mark Scordato is a Registered Representative of GF Investment Services, LLC, Member FINRA/SIPC and an Investment Advisor Representative of Global Financial Private Capital, LLC, an SEC-Registered
Investment Advisor, 2080 Ringling Boulevard, Sarasota, FL 34237.
January 2013
FS-29
Mark Scordato & Associates
© F ve ar ro
S
i
© F ve tar Pro
S
f
i
P
© F ve tar ro ess
i
S
f
ive ta Pro ess
Fiv St r P fe io
e
t
n
s
a
r
e S r P of sio al
tar ro ess na
i
f
Pr es on l
Robert J. Muhleisen
Helping to Manage Risk and Enhance Returns
Portfolio Management
for Individuals, Trusts and
Retirement Plans
2013 winner Robert J. Muhleisen, First Vice President – Investments, PIM Portfolio Manager
• Customized portfolio construction and management
• Comprehensive wealth and income management strategies
• More than 28 years of experience
Robert brings investors the skills necessary to build and
preserve their wealth and guide them through the complexities
of the global markets. His clients rely on him to manage their
portfolios and to create comprehensive strategies designed to
accomplish their financial objectives. His mission is to make
sure his clients have the breadth and depth of service needed
without sacrificing the personal attention they deserve.
Wells Fargo Advisors, LLC brings vast resources to the
table which enables Robert to offer professional money
management to retirement plans, trusts and personal
portfolios. Bob’s strategies take into consideration an investor’s
need for growth, income and security. He generally coordinates
his work with clients’ legal, estate and tax advisors. “Even with
all of the sophisticated analysis we do here, what I really offer
my clients is the confidence of knowing someone they trust,
who is knowledgeable and experienced, is watching over their
investments and helping them achieve financial success.”
51 John F. Kennedy Parkway, 4th Floor • Short Hills, NJ 07078
Toll-free: (800) 225-0174 • Direct: (973) 921-6120
robert.j.muhleisen@wfadvisors.com • wellsfargoadvisors.com
Advisor selection is not reflective of individual client satisfaction or future performance. Please see the introduction section for important information on the scope of the award and the Five Star selection
process. Wells Fargo Advisors, LLC, Member SIPC. [CAR 1112-01940].
FS-30
January 2013
© F ve ar ro
S
i
© F ve tar Pro
S
f
i
P
© F ve tar ro ess
i
S
f
ive ta Pro ess
Fiv St r P fe io
e
t
n
s
a
r
e S r P of sio al
tar ro ess na
i
f
Pr es on l
Saline Financial Solutions
Tw
W o-Y
in ea
ne r
r
Strengthening Financial Independence One Relationship at a Time
Investment Management,
Financial and Retirement
Planning
Left to right: Two-year winner James Stahl, CFP®, ChFC®; Jeffrey Saline, Eli Saline
• Extensive knowledge and deep expertise in comprehensive financial planning
• Objective investment management solutions tailored to each circumstance
• Committed to a high-level client service experience
With more than 75 years of combined financial industry
experience, Saline Financial Solutions (SFS) operates as
an ensemble style firm that gives clients the comfort of
knowing that they have a team working on their behalf. SFS
has extensive resources in all areas of financial planning and
investment advisory services. We pay particular attention to
educating our clients on all aspects of financial matters that
will impact their lives. SFS partners with our clients to help
them navigate the ever-increasing challenges of financial and
retirement planning.
817 Berlin Road • Cherry Hill, NJ 08034 | 2001 Route 46 • Parsippany, NJ 07054
Toll-free: (888) Saline4 • Office: (856) 795-8000
www.SalineFinancialSolutions.com • info@SalineFinancialSolutions.com
Securities and Investment Advisory Services offered through NEXT Financial Group, Inc., Member FINRA/SIPC. Saline Financial Solutions is not an affiliate of NEXT Financial Group, Inc.
January 2013
FS-31
© F ve ar ro
S
i
© F ve tar Pro
S
f
i
P
© F ve tar ro ess
i
S
f
ive ta Pro ess
Fiv St r P fe io
e
t
n
s
a
r
e S r P of sio al
tar ro ess na
i
f
Pr es on l
Michelle Schonberg
Designing Comfortable Retirements
• Comprehensive wealth management
• Custom retirement solutions
• Exceptional service
Wealth Management, Retirement Income Solutions
2013 winner Michelle V. Schonberg, Vice President, Financial Advisor, CFP®
During the past 30 years with Morgan Stanley, Michelle has
built a comprehensive wealth advisory practice to assist her
clients with building and protecting their wealth, providing for
their family’s security and enjoying comfortable retirements.
Michelle believes that these things don’t just happen but are
the result of years of planning. She specializes in designing and
managing custom retirement portfolios to meet the specific
income needs of each of her clients.
As people approach retirement, they have concerns about
living comfortably and having a secure income. Michelle helps
clients address the following two critical questions:
1) Am I maximizing the stream of income from my investments?
2) What are my financial blind spots?
The clients that benefit most from this approach are individuals
and couples near or in retirement as well as women seeking to
gain control of their financial lives.
1200 Mount Kemble Avenue • Morristown, NJ 07962
Office: (973) 425-2342
michelle.schonberg@morganstanley.com • www.morganstanleyfa.com/michelle.schonberg
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S., which it awards to
individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
FS-32
January 2013
© F ve ar ro
S
i
© F ve tar Pro
S
f
i
P
© F ve tar ro ess
i
S
f
ive ta Pro ess
Fiv St r P fe io
e
t
n
s
a
r
e S r P of sio al
tar ro ess na
i
f
Pr es on l
MORE WITHIN REACH®
Areas of Focus: Financial
Planning, Investment and
Wealth Management
Left to right: Back row: 2013 winner Thomas J. Komninos, three-year winner Jose Vicente, 2013 winner Gerard J. Bifulco,
three-year winner Matthew Graf; Front row: 2013 winners T.J. Spizzo, Maria Z. Nigro and Eric H. Friedman
• Comprehensive and ongoing financial, investment and protection planning approach
• Simplifying the financial lives of busy successful individuals and families
• Focusing on helping clients identify, organize and achieve their goals
At Ameriprise, is all starts with you. Your immediate needs.
Your dreams. For more that 115 years, it’s been our business
to help people like you work toward their goals. No matter
where you are coming from, we can help you systematically
address your financial needs. As Financial Advisors we look
at your entire financial situation — from cash and liabilities
to protection, investments and tax planning strategies — to
create a living, breathing plan that can help you forge a clear
path from today’s realities to tomorrow’s possibilities. We can
help you bring your dreams and goals to life.
250 Pehle Avenue, Suite 500 • Saddle Brook, NJ 07663
Office: (201) 221-2700
Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success. Brokerage, investment and financial
advisory services are made available through Ameriprise Financial Services, Inc., Member FINRA and SIPC. Some products and services may not be available in all jurisdictions or to all clients.
January 2013
FS-33
Spizzo • Komninos • Vicente • Graf • Bifulco • Nigro • Friedman
© F ve ar ro
S
i
© F ve tar Pro
S
f
i
P
© F ve tar ro ess
i
S
f
ive ta Pro ess
Fiv St r P fe io
e
t
n
s
a
r
e S r P of sio al
tar ro ess na
i
f
Pr es on l
Sterling Financial Group
Helping You Live the Life You Want — Now and Into the Future
Areas of Focus: Wealth and
Investment Management,
Financial, Retirement and
Estate Planning
Left to right: Front row: Deanna Iannuzzi, Associate; 2013 winner Nicholas A. Nicolette, CFP®; Glen A. Thomas, MBA, CFA®;
Back row: Stephen W. Wescott, CFP®; Matthew Hannum, CFP®, CFA®; Sharon M. Nikaido, Sr. Associate;
Ross D. Weiner, Ph.D., CFP®; Bruce R. Tucker, CFP®
• Understanding what is most important to you — personal, family, community
• Building a personalized plan together with our experienced professionals
• Being there to resolve obstacles to your plan in an ever-changing world
We help our clients manage their financial life, so they can
enjoy their personal life. Sterling’s objective is to help you live
the life you want, support the family you love and contribute
to the causes you care about. It is about focusing on the
things that matter most to you and which you can control,
while being able to effectively adjust to things outside your
control. Sterling’s principals have an average tenure of almost
30 years each of financial planning experience. Our primary
responsibility is to serve our clients’ interests first.
In addition to being the recipient of the Five Star Wealth
Manager award, we are proud of Nick’s honor as the 2011
recipient of the Heart of Financial Planning Awards from both
the Financial Planning Association (FPA) and the N.J. chapter
of FPA. Mr. Nicolette served on the National Board of FPA for
six years, including as 2007 president. He was privileged to
be the first person from FPA to appear before the U.S. Senate
Special Committee on Aging to testify before the committee
regarding fraudulent or inappropriate investment advice
given to seniors.
60 Blue Heron Road, Suite 201 • Sparta, NJ 07871
Office: (973) 729-1234 • Fax: (973) 729-8079
nnicolette@sterlingadvice.com • www.sterlingadvice.com
Financial advisory services including wealth management, financial planning and investment supervisory services are delivered through Sterling Financial Planning, Inc., an SEC-Registered Investment
Advisor. Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® in the U.S.
FS-34
January 2013
© F ve ar ro
S
i
© F ve tar Pro
S
f
i
P
© F ve tar ro ess
i
S
f
ive ta Pro ess
Fiv St r P fe io
e
t
n
s
a
r
e S r P of sio al
tar ro ess na
i
f
Pr es on l
Building Wealth Legacies
• Team-based, personalized approach
• Access to a global network with local expertise
• Provide customized client strategies
Areas of Focus: Investment, Lending, Advisory Services
*Registered Representative of CGMI
Left to right: Jackie Rider*; three-year winner Daniel Batista*, CFP®; Rob Wemmlinger and
Linda Guella*
As one of the world’s global private banks, Citi Private Bank serves some of
the world’s most successful and influential families. Our private bankers can
provide global thinking, informed by deep local insight, helping to deliver the
complete financial management strategies that today’s wealth requires. From
banking and cash management to lending, investment strategies and advisory
services, working together, we can provide tailored strategies to help meet the
financial goals of our clients.
Short Hills, NJ 07078
Office: (973) 921-2402
daniel.batista@citi.com
Citi Private Bank is a business of Citigroup Inc. (“Citigroup”), which provides its clients access to a broad array of products and services available through bank and nonbank affiliates of Citigroup. Not all products
and services are provided by all affiliates or are available at all locations. In the U.S., brokerage products and services are provided by Citigroup Global Markets Inc., (“CGMI”), member SIPC. CGMI and Citibank,
N.A. are affiliated companies under the common control of Citigroup. Accounts carried by Pershing LLC, member FINRA, NYSE, SIPC. CGMI and Citibank, N.A. are affiliated companies under the common control of
Citigroup. All credit products are subject to credit approval. Citi and Citi with Arc Design are registered service marks of Citigroup Inc. or its affiliates.© 2013 Citigroup Inc. All rights reserved.
INVESTMENT PRODUCTS: NOT FDIC INSURED • NO BANK GUARANTEE • MAY LOSE VALUE
Stephen J. Brady
Comprehensive Wealth
Management With Integrity
• Wealth management
Tw
W o-Y
in ea
ne r
r
• Intergenerational wealth transfer
• World-class client service
Two-year winner Stephen J. Brady, Senior Vice President, Wealth Advisor, CFP®, ChFC®,
Portfolio Manager
For 29 years, Steve’s built trusted relationships with his clients by providing
customized investment solutions to individuals and charitable organizations.
He’s dedicated to creating portfolios tailored to each client’s particular set of
circumstances using a formal process that identifies their needs and goals. His
investment philosophy is based on an asset allocation strategy focused on
managing risk. Attention to detail when servicing clients is of utmost importance.
1200 Mount Kemble Avenue
Morristown, NJ 07962
Phone: (973) 425-2306
stephen.j.brady@morganstanley.com
www.morganstanleyfa.com/stephen.j.brady
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S., which it awards to
individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
January 2013
FS-35
Daniel Batista
© F ve ar ro
S
i
© F ve tar Pro
S
f
i
P
© F ve tar ro ess
i
S
f
ive ta Pro ess
Fiv St r P fe io
e
t
n
s
a
r
e S r P of sio al
tar ro ess na
i
f
Pr es on l
The GAM Group
at Morgan Stanley
Personalized Advice,
Finest Financial Thinking, We Care
• Understanding your goals and dreams
• Create financial plan to achieve goals
• Review and evolve with your life
Left to right: Dara Hubbard, Client Service Associate; Michael Greenstone, Sr. Vice President, Financial Advisor;
2013 winner John B. Araneo, Financial Advisor, Vice President; Gail Litchfield, Sr. Registered Client Service Associate
Five Star Wealth Manager John B. Araneo and The GAM Group can help you define
and strive to meet your goals by delivering a vast array of resources to you in the
way that is most appropriate for how you invest and what you want to achieve.
Our process is founded on the following formulas: wealth management equals
investment consulting plus advanced planning plus relationship management.
1200 East Ridgewood Avenue
Ridgewood, NJ 07450
Toll-free: (866) 349-2043 • Direct: (201) 251-6524
john.araneo@morganstanley.com
www.morganstanleyfa.com/thegreenstonearaneogroup
The Goldberg Group at
Morgan Stanley
Investing to Achieve Your Dreams
• Comprehensive financial planning and wealth
management
Tw
W o-Y
in ea
ne r
r
• Goal-oriented investment portfolios
• A multigenerational commitment to our clients
and their families
Left to right: 2013 winner Zachary Z. Goldberg, Financial Advisor, CERTIFIED FINANCIAL PLANNER™
certification; two-year winner Michael B. Goldberg, Senior Vice President, Financial Advisor
The Goldberg Group at Morgan Stanley can help you design a comprehensive strategy
to address your financial needs. We are firmly committed to understanding our clients’
objectives, building long-term relationships and delivering world-class client service.
These are important parts of our process and evident in
Michael and Zachary being selected as Five Star Wealth
Managers.
As a father and son team, we offer an insightful perspective
into our clients’ financial lives. Working together, we will
tailor our recommendations to help you achieve your
financial goals.
150 J.F. Kennedy Parkway, 4th Floor
Direct: (973) 912-7744 • Toll-free: (800) 526-4931
zachary.z.goldberg@morganstanley.com
www.morganstanleyfa.com/goldberg
FS-36
January 2013
© F ve ar ro
S
i
© F ve tar Pro
S
f
i
P
© F ve tar ro ess
i
S
f
ive ta Pro ess
Fiv St r P fe io
e
t
n
s
a
r
e S r P of sio al
tar ro ess na
i
f
Pr es on l
Kipple Wealth
Management
Dedicated to Helping Clients
Achieve Financial Goals
• Assist to build and preserve wealth
• Develop strategic investment plans
• Advice tailored to individual needs
Series 7, 63 and 79 Licensed
Left to right: Carla Garistina; James Andrews; Cynthia Spagna-Kipple;
2013 winner Gregory Kipple, President
Kipple Wealth Management is an investment firm which has been assisting
generations of families, small businesses, corporations and bank trusts departments
build and preserve wealth over the last three decades. Our professional financial
practice is dedicated to helping clients achieve long-term financial goals through
the development of strategic investment plans based on the principles of risk and
reward and tailored to the individual's needs.
Kipple Wealth Management
Five Greentree Center, Suite 104
Marlton, NJ 08053
Office: (856) 817-6168
Toll-free: (877) 843-4710
gkipple@kipplewealth.com
www.Kipplewealth.com
Securities offered through Saxony Securities, Inc. Member FINRA/SIPC Investment Advisory services offered through Saxony Capital Management, LLC.
John M. Piszko
Helping Clients Prepare
for Their Financial Future
• Customized, comprehensive advice
• Defining our clients’ futures
• Getting retirement plans back on track
Left to right: Nicholas Trombetta, Financial Advisor; Daniel R. Sweeney, Financial Advisor;
2013 winner John M. Piszko, Financial Advisor, Vice President – Investments, CFP®
Are you confident that you won’t be forced to change the way that you live at
retirement? What are you doing to manage risk in your portfolio given the
multitude of economic, political and tax changes that we face today? What effect
are the current, historically low interest rates having on your savings? Our team
strives to understand our clients and their situations completely in order to help
them with their specific financial goals and objectives and allow them to focus on
their loved ones.
190 River Road
Summit, NJ 07901
Office: (908) 598-3872
john.piszko@wellsfargo.com
home.wellsfargoadvisors.com/john.piszko
Advisor selection is not reflective of individual client satisfaction or future performance. Please see the introduction section for important information on the scope of the award and the Five Star
selection process. Wells Fargo Advisors, LLC, Member SIPC. [CAR 1112 02542 11/15/12].
NOT FDIC-Insured
NO Bank Guarantee
MAY Lose Value
January 2013
FS-37
© F ve ar ro
S
i
© F ve tar Pro
S
f
i
P
© F ve tar ro ess
i
S
f
ive ta Pro ess
Fiv St r P fe io
e
t
n
s
a
r
e S r P of sio al
tar ro ess na
i
f
Pr es on l
William E. Ryan, Jr.
Personal, Professional
Service With Integrity
• Independent, unbiased, objective advice
• Building long-term client relationships
• Providing customized wealth management
services
Three-year winner William E. Ryan, Jr., LPL Financial Advisor, CERTIFIED FINANCIAL PLANNER™
Our mission is to partner with clients to help them work toward their financial goals
through thoughtful, objective planning and prudent management of investment
assets. We are hired to help build, manage and preserve clients’ wealth. We are
committed to helping clients navigate the increasingly complex investment
universe needed to achieve their financial goals. Our success is not measured by
performance statistics, but rather by our clients’ success in achieving their goals.
490 Schooleys Mountain Road, Suite 9
Hackettstown, NJ 07840
Office: (908) 684-1216
bill@ryanwms.com
www.ryanwms.com
Securities and Advisory Services Offered through LPL Financial a Registered Investment Advisor. Member FINRA/SIPC.
Gary N. Selecky
Personalized Wealth
Management Planning
• Attention to client goals
• Regular, ongoing performance reviews
• Our team provides superior service
Left to right: John McLeod, Senior Registered Client Associate;
2013 winner Gary N. Selecky, First Vice President – Financial Advisor, Private Client Group
Our group develops close, one-on-one relationships with our clients. We create
personalized wealth management plans to assist each client in achieving their
personal long-term goals. Our service is client focused. We stress consistent
portfolio monitoring and performance reporting with the goal of alleviating
investor anxiety during periods of high market volatility. We strive to create risk
diverse portfolios to assist in controlling downside volatility.
25 Hanover Road
Florham Park, NJ 07932-1407
Toll-free: (800) 555-0651
Direct: (973) 410-3289
gary.selecky@rbc.com
The material herein is based on data obtained from sources we consider to be reliable, but it is not guaranteed as to accuracy and does not purport to be complete.
It is not to be construed as a representation by us or as an offer or the solicitation of an offer to sell or buy any security.
FS-38
January 2013
© F ve ar ro
S
i
© F ve tar Pro
S
f
i
P
© F ve tar ro ess
i
S
f
ive ta Pro ess
Fiv St r P fe io
e
t
n
s
a
r
e S r P of sio al
tar ro ess na
i
f
Pr es on l
Strategies to Help Grow
and Protect Your Wealth
• We focus on risk management — proactive versus
reactive
• Download a free copy of “Five Ways Your Wealth Is
Under Attack” at www.smallwoodcapital.com
Left to right: John P. Smallwood; Edward E. Bao, Jr.; three-year winner John L. Smallwood, CFP®
We all realize that the world we live in is rapidly changing. Our past experiences
offer little guidance for today’s world. Planning, in order to be successful, cannot
be static, but instead must be ongoing — continuously adapting to new tax laws,
new market outlooks, new life situations and your goals as they change. Financial
success doesn’t come from a magic strategy or a hidden secret. It comes from
planning carefully, making good decisions, reviewing your financial plan on a
regular basis and making adjustments as necessary. It is about strategy! We would
like to share our planning process philosophy with you.
Securities Registrations and Insurance Licensed:
JLS: Series 7, 31, 63, 65; JPS: Series 7, 24, 31, 63, 65;
EEB: Series 7, 66
1161 Broad Street, Suite 312
Shrewsbury, NJ 07702
Toll-free: (800) 797-1000 • Phone: (732) 542-1565
info@smallwoodcapital.com
www.smallwoodcapital.com
Securities and Advisory Services offered Through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services offered by
Smallwood Capital Management Team are separate and unrelated to Commonwealth.
Andrew C. Tupler
Comprehensive Financial Guidance
• Independent firm experienced in all areas of
wealth management
• Personalized level of service for executives,
professionals and entrepreneurs
• Retirement plans that are individualized for each
client
Three-year winner Andrew C. Tupler, CFP® professional, Accredited Investment Fiduciary®
Andrew Tupler is a well-known specialist in investment management, retirement
planning and estate planning. He began his career and received training from
large investment and insurance firms. After learning the business from the ground
up, he realized that his clients deserve the personalized service that he could only
give by becoming an independent financial professional. Andrew is trustworthy
and dependable, giving his clients the assurance to pursue their dreams with the
confidence of knowing that they have planned for their financial future.
Financial/Retirement Planning, Investment Management
1124 Route 202, Suite A-3
Raritan, NJ 08869
Office: (908) 203-8811
andy@tupler.com
www.tupler.com
Securities and Advisory Services Offered Through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser.
January 2013
FS-39
Smallwood Capital
Management Team
© F ve ar ro
S
i
© F ve tar Pro
S
f
i
P
© F ve tar ro ess
i
S
f
ive ta Pro ess
Fiv St r P fe io
e
t
n
s
a
r
e S r P of sio al
tar ro ess na
i
f
Pr es on l
Wealth Preservation
Solutions, LLC
Helping Families Accumulate
and Preserve Wealth
• Comprehensive financial planning
• Independent advice
• Retirement distribution strategies
2013 winner Robert W. Davis, CERTIFIED FINANCIAL PLANNER™ practitioner, Principal
Since 1991, Robert has been providing comprehensive planning and has no
preconceived notion of what his clients should or should not be doing. He invests
significant time fact-finding and analyzing data so that he can deeply understand
his clients' objectives, risk tolerance, time horizon and unique circumstances.
Once he thoroughly understands his clients' goals, he uses all of his education,
skills and expertise to put a plan together that accurately meets their needs.
257 East Ridgewood Avenue, Suite 305
Ridgewood, NJ 07450
Direct: (201) 632-2040
rwdavis@wpsllc.net
www.wpsllc.net
Securities and Investment Advisory Services offered through NFP Securities, Inc. (NFPSI), member FINRA/SIPC.
Wealth Preservation Solutions, LLC is a member of PartnersFinancial, an affiliate of NFPSI. Wealth Preservation Solutions, LLC and NFPSI are not affiliated.
Thomas D. Weber
Custom Financial Solutions for
the Achievement Inclined
• Retirement income strategies
• Tax- and fee-reduction strategies
• Superior communication and client service
2013 winner Thomas D. Weber, CFP®, President
Since we are an independent financial consulting firm, we are free to provide
guidance to our clients without the conflict of interest created by proprietary
products or sales quotas. We strive to develop a simple and tax-efficient plan that is
tailored to your unique needs and measures success based on your personal goals.
Accordingly, we pursue an in-depth understanding of your financial situation and
your core values as they relate to your investment and insurance plan.
71 Union Avenue, Suite 109
Rutherford, NJ 07070
Phone: (201) 507-0084
tweber@aptam.com
www.aptam.com
Securities and advisory services offered through Commonwealth Financial Network. Member FINRA, SIPC, a Registered Investment Adviser.
FS-40
January 2013
© F ve ar ro
S
i
© F ve tar Pro
S
f
i
P
© F ve tar ro ess
i
S
f
ive ta Pro ess
Fiv St r P fe io
e
t
n
s
a
r
e S r P of sio al
tar ro ess na
i
f
Pr es on l
Andrew W. Barrow
Management Group
One University Plz., Ste. 401
Hackensack, NJ 07601
Phone: (201) 342-5722
400 Campus Dr.
Florham Park, NJ 07932
Office: (973) 660-4156
aarons@nationwideplanning.com
andrew.barrow@morganstanley.com
www.morganstanleyfa.com/
cerasia_barrow
The Cerasia-Barrow Group at Morgan Stanley
• Personalized, independent and objective advice
• Tax-advantaged investment and retirement planning
• Investment portfolios managed to build and preserve wealth
• Comprehensive financial planning-based process
• Investment, insurance and lending recommendations
• Client-service focused
Area of Focus: Comprehensive wealth management with emphasis
Associate Vice President – Wealth Management, Financial Advisor
on creating reliable lifetime income in retirement
CERTIFIED FINANCIAL PLANNER™
A well-known financial educator, Andrew is the founder and managing
partner of Synergy Advisory Management Group.
Synergy, as the name indicates, employs a holistic approach
and maintains the philosophy that financial well-being requires
customized counseling with an integrated, collaborative approach.
Built on the premise of educating and informing clients, Synergy
delivers uncompromising personal service.
Through a combination of the kind of personalized attention
you might expect from a small, boutique shop and access to the
vast, global resources of a large, market-leading firm, The CerasiaBarrow Group seeks to deliver the type of relationship and overall
experience you likely have never encountered at any other firm.
© 2013 Morgan Stanley Smith Barney LLC. Member SIPC. Certified Financial Planner
Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and
federally registered CFP (with flame design) in the U.S., which it awards to individuals who
successfully complete CFP Board’s initial and ongoing certification requirements.
Securities offered through Nationwide Planning Associates, Inc. Member FINRA and SIPC.
Advisory Services offered through NPA Asset Management LLC, a registered investment advisor.
Synergy Advisory Management Group, LLC is not affiliated with Nationwide Planning Associates, Inc.
Paul Brehne
Timothy J. Brunnock, Esq.
Overlook at Great Notch
150 Clove Rd.
Little Falls, NJ 07424
Office: (973) 890-3016
paul.brehne@morganstanley.com
65 Madison Ave., Ste. 400
Direct: (973) 867-1355
timothy.brunnock@lpl.com
www.privateadvisorgroup.com
www.morganstanleyfa.com/paul.brehne
Multigenerational Wealth Management
Wealth by Design — Not by Default
• Tactical retirement income plan solutions
• Prudent wealth accumulation and protection
• Build deep multigenerational relationships
• Helping successful people answer two questions:
• 1 – Will I make it in retirement?
• 2 – Do I have any financial blind spots?
Titles: Wealth Advisor, First Vice President
Juris Doctor
Credential: CRPC®
Financial Planning Attorney
Paul helps successful families make competent decisions with their
money, so they have more time to enjoy their passions in life during
their working and retirement years. He focuses his practice on creating
retirement income planning solutions tailored to meet the needs
and goals of his clients. Paul feels it is crucial for proper planning to
work closely with his clients’ tax, legal and other trusted advisors. He is
extremely accessible and communicates often with clients.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors do
not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax
planning and their attorney for matters involving trust and estate planning and other legal matters.
Today, people are terrified of outliving their money, frustrated with
having no plans in place and upset that brokers are only interested in
trying to sell them the latest hot product. As an independent advisor,
I have nothing to sell. Our process-driven approach focuses solely
on our clients' goals and concerns. Only then do we recommend
nonproprietary tools and strategies to help them work toward their
goals … all of them. All under one roof.
Securities offered through LPL Financial, member FINRA/SIPC. Investment advice offered through
Private Advisor Group, a registered investment advisor and separate entity from LPL Financial.
January 2013
FS-41
Andrew A. Arons
© F ve ar ro
S
i
© F ve tar Pro
S
f
i
P
© F ve tar ro ess
i
S
f
ive ta Pro ess
Fiv St r P fe io
e
t
n
s
a
r
e S r P of sio al
tar ro ess na
i
f
Pr es on l
Elliott S. Collins
Jason Chambeau
Aljen Asset
Management LLC
1140 Parsippany Blvd., Ste. 103
Parsippany, NJ 07054
1200 Mt. Kemble Ave.
Office: (973) 425-2325
Phone: (973) 316-1212
elliott@aljenam.com
Jason.Chambeau@morganstanley.com
Timely, Informed and Objective Guidance
We Work Hard to Earn Your Trust
• Dedication to clients’ interests
• Focusing on fixed-income portfolio construction
• Commitment to service excellence
• Defined contribution and plan administration
• Retirement and financial planning
• Investment management
First Vice President, Financial Advisor
CERTIFIED FINANCIAL PLANNER™
Five Star Wealth Manager in 2011, 2012 and 2013
Providing personalized wealth management services to high-networth individuals for more than 13 years. Jason works for his clients
as he would his own family and aspires to build lasting, meaningful
relationships based on trust, integrity and world-class client service.
He draws on all the available resources to ensure that his clients are
using the best strategies to reach their goals.
© 2013 Morgan Stanley Smith Barney LLC. Member SIPC. The investments listed may not be suitable for all
investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular
investments and encourages investors to seek the advice of a financial advisor. The appropriateness of a
particular investment will depend upon an investor’s individual circumstances and objectives.
James C. Denton
As a CFP® professional, Elliott has been assisting corporations
and individuals to create custom-designed, turn-key retirement
programs. He also supports RIAs and registered representatives with
third-party administration for defined contribution plans. Aljen, an
independent RIA, works with individual clients in constructing their
financial plans and implementing their retirement and investment
needs. We have built our firm through personal, professional service.
Carl D. Hanks
DFS Advisors
151 W Washington Ave., Ste. 201
Washington, NJ 07882
Phone: (908) 689-0500
Toll-free: (877) 523-3686
jim@dfs-advisors.com
www.dfs-advisors.com
150 JFK Pkwy., 2nd Fl.
Phone: (973) 467-6388
Toll-free: (866) 601-6837
carl.hanks@morganstanley.com
www.morganstanley.com/fa/carl.hanks
Personal Service When You Need It
Attention to Detail Leads to Success
• Comprehensive financial advisory services
• Personal, individual service
• Experienced, dedicated, professional
• Retirement and income solutions
• Global portfolio structure and management
• Trust, estate and insurance solutions
Title: Managing Principal
First Vice President, Sr. Financial Advisor
Credentials: CFP®, CLU®, ChFC®, EA
Chartered Retirement Planning CounselorSM
DFS Advisors is a boutique financial services firm founded in 1992
and serving the unique needs of high-net-worth clientele across the
country. Financial professionals affiliated with DFS Advisors provide
financial planning, investment advisory* and life insurance services,
and income-tax planning and preparation** services. We take a holistic
approach to financial planning, seeking to integrate each aspect of
your family financial situation into a cohesive whole.
Carl has been in the financial services industry since 1991 and has
extensive experience working with corporate executives, business
owners, individuals and affluent families using a disciplined and
comprehensive approach to their unique financial situations. His
team has an unparalleled focus on the needs and details of each
client and their specific wealth-management objectives, including
ongoing analysis and guidance to keep them on the road to
financial success.
*Securities and Investment Advisory Services provided through NFP Securities, Inc., Member FINRA/SIPC. DFS
Advisors is not affiliated with NFP Securities, Inc. **Income tax services provided by DFS Advisors as a fully
disclosed outside business activity. NFP Securities does not provide tax advice.
FS-42
January 2013
© F ve ar ro
S
i
© F ve tar Pro
S
f
i
P
© F ve tar ro ess
i
S
f
ive ta Pro ess
Fiv St r P fe io
e
t
n
s
a
r
e S r P of sio al
tar ro ess na
i
f
Pr es on l
Jack D. Oujo
14 E Main St.
Marlton, NJ 08053
Office: (856) 988-1123
Cell: (856) 745-6671
1540 Hwy. 138, Ste. 106
Wall, NJ 07719
Office: (732) 556-4200
jack@jackoujocpa.com
www.jackoujo.com
joseph.myers@raymondjames.com
myersandcompanymba.com
Planning, Preparation, Partnership
Joseph S. Myers
Full-Service Wealth Management
• Cash-flow-based wealth manager
• Individual customized portfolios
• 30 years of investment experience
• 10 wealth management strategies
• Committed to proactive communication
• Ongoing client education
Titles: Financial Advisor and Branch Manager, RJFS
Credentials: CPA/PFS, CFP®, CSA, M.S. (Taxation)
MBA, Finance; Columbia University Graduate School of Business, NYC
Successful investing involves four key steps: analyze, allocate, adjust
and assess.
As an independent financial advisor, my mission is to provide
trustworthy advice, quality investment alternatives and personalized
service to help clients obtain their financial objectives.
Let’s put that mission to work for you.
Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC.
Ralph Rosenbaum
We believe in service beyond expectation, achieved through a
constant desire to anticipate and fulfill the evolving needs of our
clients.
Securities offered through H.D. Vest Investment ServicesSM, Member:
SIPC, Advisory Services offered through H.D. Vest Advisory ServicesSM.
Edward M. Skarbnik
Rosenbaum Financial
Services
196 Main St.
Matawan, NJ 07747
Office: (732) 441-1818
Ralph@taxcpa2.com
www.taxcpa2.com
200 Campus Dr., Ste. 220
Direct: (973) 301-8376
Toll-free: (800) 824-4120
edward.m.skarbnik@wellsfargoadvisors.com
www.wfadvisors.com/edward.m.skarbnik
As a CPA, I Add Value
Unparalleled Client Commitment
• Advisory services tailored to your goals
• Minimize taxes, maximize savings
• Prepare for tomorrow, today
• Proactive team approach
• Creative, holistic thinking
• Personal and customized strategies
Credentials: CPA, MBA, Senior Vice President
First Vice President – Investments
Every change in your life results in the need to review your goals
and strategies. Whatever your financial goals, I provide the highest
level of service along with sound advice to develop your plan. Our
personal relationship allows me to customize your strategies to
pursue your financial goals. Shouldn't you know your entire picture
before you agree on anything? That is why as a CPA I also look at the
tax consequences when making recommendations.
Regardless of how the markets are performing, my practice is totally
committed to the client in helping them invest at a level that is
most suitable for their risk-tolerance level. I'm passionate about
conducting an effective due-diligence process in helping resolve
any financial issues a client may encounter.
Advisor selection is not reflective of individual client satisfaction or future performance.
Please see the introduction section for important information on the scope of the award and
the Five Star selection process. Wells Fargo Advisors, LLC, Member SIPC. [CAR 1112-01394].
January 2013
FS-43
© F ve ar ro
S
i
© F ve tar Pro
S
f
i
P
© F ve tar ro ess
i
S
f
ive ta Pro ess
Fiv St r P fe io
e
t
n
s
a
r
e S r P of sio al
tar ro ess na
i
f
Pr es on l
Robert M. Sorge
Scott E. Tonnesen
325 Columbia Tpk., Ste. 106
Office: (973) 845-2460
Direct: (973) 845-2460, Ext. 11
Robert.Sorge@lpl.com
One Pluckemin Way
Bedminster, NJ 07921
Direct: (908) 306-8044
www.clearviewinvestmentpartners.com
Experience. Full Transparency. Trust.
scott.e.tonnesen@morganstanley.com
www.morganstanleyfa.com/
scott.e.tonnesen
Plan for Tomorrow While Living Today
• Individual and corporate retirement plans
• Complete retirement income planning
• Investment portfolio management
• Building relationships lasting generations
• Committed to exceptional wealth management
• Provide strategies that seek to produce income
Titles: Founder, Managing Partner
Senior Vice President, Financial Advisor, CFP®
Credentials: MBA, CRPC®, AIF®
Five Star Wealth Manager in 2011, 2012 and 2013
Robert has more than 24 years’ experience in financial services. His
firm provides comprehensive financial planning with a specialty in
retirement income planning.
As an AIF®, Robert provides investment guidance helping protect
retirement plan trustees from potential fiduciary liabilities.
Scott is committed to providing ethical and sound financial advice
to his clients and their families. Whether it’s growth, income or
preservation of principal, Scott will work with you to provide
strategies to meet your individual needs. For more than two decades,
he has helped his clients simplify their financial lives and achieve
their dreams.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED
FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S.,which it
awards to individuals who successfully complete CFP Board’s initial and ongoing certification
requirements.© 2013 Morgan Stanley Smith Barney LLC. Member SIPC.
Securities and Financial Planning offered through LPL Financial, a Registered Investment
Advisor. Member FINRA/SIPC.
“Wishful thinking
is not planning. If
you plan for the
worst, you will never
be unpleasantly
surprised.”
— Five Star award winner
FS-44
January 2013
© F ve ar ro
S
i
© F ve tar Pro
S
f
i
P
© F ve tar ro ess
i
S
f
ive ta Pro ess
Fiv St r P fe io
e
t
n
s
a
r
e S r P of sio al
tar ro ess na
i
f
Pr es on l
John is a Certified Elder Law Attorney. Of the
nearly 80,000 licensed attorneys in N.J., fewer
than 50 are Certified Elder Law Attorneys.
Offices located in Wall Township, Middletown
Township and Jamesburg, New Jersey.
*As a certified by the National Elder Law Foundation, approved
by the American Bar Association.
Ronald A. Gelok, Jr.
25 Roosevelt Blvd.
Marmora, NJ 08223
Toll-free: (866) 398-7900
Phone: (609) 390-4470
ccrowley@boenninginc.com
www.boenninginc.com
2001 Rte. 46 E, Ste. 511
Parsippany, NJ 07054
Toll-free: (800) 467-8152
Office: (973) 917-4556
rgelok@rga-ria.com
www.ronaldgelok.com
Title: Vice President
Dedicated to personalized service, my focus
is on the specific financial goals of each
client. I combine the breadth of investment
resources and market experience typically
found only at larger Wall Street firms with the
level of customized products and services
offered at an investment boutique.
James Herbert
Hunt IV
Brad Katz
139 W End Ave.
Somerville, NJ 08876
Office: (908) 566-1997
Cell: (973) 714-3508
james.hunt@lpl.com
550 W Main St.
Boonton, NJ 07005
Phone: (973) 317-2831
Toll-free: (866) 727-9818
bkatz@rr.firstallied.com
firstalliednj.com
Wealth Management Advisor
James Hunt is a financial advisor who
has been providing financial guidance for
investors since 1984. He established his
independent firm through LPL Financial
to ensure that he could provide unbiased
advice and always put his clients' best
interests first.
LPL Financial, Member FINRA/SIPC.
Joseph F. Lagowski
989 Lenox Dr., 2 nd Fl.
Lawrenceville, NJ 08648
Direct: (609) 895-8623
Toll-free: (888) 219-2538
joseph.lagowski@wfadvisors.com
Tw
W o-Y
in ea
ne r
r
Carl C. Crowley
Senior Vice President –
Investments
For more than 30 years, I have been providing
exceptional service and attention to my
clients, helping them toward achieving their
unique financial goals, focusing on retirement
planning and income strategies — one client
at a time.
Advisor selection is not reflective of individual client satisfaction or
future performance. Please see the introduction section for important
information on the scope of the award and the Five Star selection process.
Wells Fargo Advisors, LLC, Member SIPC. [CAR 1112-02350].
Tw
W o-Y
in ea
ne r
r
Elder Law, Certified Elder Law
Attorney*
Tw
W o-Y
in ea
ne r
r
Tw
W o-Y
in ea
ne r
r
Law Offices of
John W. Callinan
2052 Hwy. 35, Ste. 103
Wall, NJ 07719
Phone: (732) 974-8898
johncallinan@optonline.net
www.ElderCareLawyer.com
President, Financial Consultant
Mr. Gelok is an active member of the
Financial Planning Association with more
than 20 years of financial services experience.
He has appeared on radio and television
discussing financial planning issues.
Ronald A. Gelok, Jr. is a Registered Representative offering securities
through GF Investment Services, LLC, Member FINRA/SIPC. Ronald A.
Gelok, Jr. is an Investment Adviser Representative offering advisory services
through Global Financial Private Capital, LLC, an SEC-Registered Investment
Advisor, 2080 Ringling Boulevard, Sarasota, FL 34237.
Philip J. Kiernan, Jr.
Enhanced Dividend
Capture Partners, LLC
349 Franklin Ave., Ste. 206
Nutley, NJ 07110
Office: (973) 447-2527
www.enhanceddividend.com
President
Title: Certified Wealth Strategist
With more than 15 years of experience, Brad
specializes in helping you grow, protect and
transfer your wealth. Brad’s team uses a unique
strategy designed to help ensure that client
portfolios are allocated properly and income
needs for life are included in the financial plan.
Securities offered through First Allied Securities, Inc., A Registered
Broker/Dealer, Member FINRA/SIPC. Advisory services offered through
First Allied Advisory Services, Inc., A Registered Investment Adviser.
We are independently owned and create
internally managed portfolios for affluent
families, business owners, corporate
executives and retirees. These customized
financial strategies can be tailored for
var ious mar ket conditions. We have
extensive experience working with the CPA
community.
Securities Offered Through Cantella & Co., Inc. Member FINRA/SIPC.
James M. Luongo
Allan S. Lynn
Mendham Capital
Management
27 E Main St.
Mendham, NJ 07945
Office: (973) 543-6676
Cell: (908) 346-6525
al.lynn@raymondjames.com
www.alslynn.com
960 Holmdel Rd.
Holmdel, NJ 07733
Direct: (732) 837-9070
Cell: (732) 221-8189
james.luongo@lpl.com
luongowealthmanagement.com
Owner – MCM, Financial Consultant,
Registered Principal, AAMS®
Wealth Advisor, CLU®, ChFC ®
For 23 years, we have built a reputation
for providing the highest level of personal
service while using comprehensive wealth
management strategies to help our clients
pursue their financial goals. We would like to
take this opportunity to thank our clients for
their business.
Securities and Advisory Services are offered through LPL
Financial, a Registered Investment Advisor, Member FINRA/SIPC.
Allan has helped investors since 1987 by
offering conservative investments such as
municipal bonds, corporate bonds and CDs
along with proper asset allocation and is
dedicated to preserving wealth.
Securities offered through Raymond James Financial Services, Inc.
January 2013
FS-45
John W. Callinan
© F ve ar ro
S
i
© F ve tar Pro
S
f
i
P
© F ve tar ro ess
i
S
f
ive ta Pro ess
Fiv St r P fe io
e
t
n
s
a
r
e S r P of sio al
tar ro ess na
i
f
Pr es on l
James F. McDavitt
Robert Mosera
Gabor Nagy
989 Lenox Dr.
Office: (609) 896-4606
Toll-free: (888) 219-2538
james.mcdavitt@wfadvisors.com
95 S Rte. 17
Paramus, NJ 07652
Phone: (201) 226-3030
5 Cold Hill Rd., Bldg. 20, Ste. F
Mendham, NJ 07945
Phone: (973) 543-3335
robert.mosera@wellsfargo.com
gabor.nagy@mendhamwealth.com
www.wfadvisors.com/robert.mosera
www.mendhamwealth.com
Financial Advisor, First Vice
President – Investments
Principal, CFP®, CLU®, ChFC®
Vice President – Investment
Officer, CRPC®
With more than 30 years in the financial services
industry, I have lived through and advised
clients in both good and bad market cycles.
Using knowledge and experience, my only
goal is to help my clients achieve long-term
retirement security in these challenging times.
As a financial advisor, I pride myself on helping
clients realize their financial goals.
Advisor selection is not reflective of individual client satisfaction or future
performance. Please see the introduction section for important information
on the scope of the award and the Five Star selection process. Wells Fargo
Advisors, LLC, Member SIPC. [CAR 1112-02553].
NOT FDIC-Insured NO Bank Guarantee MAY Lose Value
performance. Please see the introduction section for important information on
the scope of the award and the Five Star selection process. [CAR 1012-02105].
Wells Fargo Advisors, LLC, Member SIPC, is a registered broker-dealer and a
separate non-bank affiliate of Wells Fargo & Company.
With more than 18 years’ experience, Gabor’s
expertise lies in teaching clients how to
maximize their wealth, protection benefits
and retirement income streams, as well as
reduce their taxes.
Securities products and services offered through Park Avenue
Securities, LLC (PAS), 300 Broadacres Dr., Ste. 175 Bloomfield, NJ
07003, (973) 246-1800. PAS is a registered investment advisor and
broker/dealer. Mendham Wealth Partners, LLC is not an affiliate or
subsidiary of PAS or Guardian. PAS is a member FINRA, SIPC.
Peter A. Needham
Randy Neumann
Dennis O'Connor
25 Independence Blvd.
Warren, NJ 07059
Direct: (908) 821-9759
pneedham@aepg.com
www.aepg.com
600 E Crescent Ave.
Upper Saddle River, NJ 07458
Phone: (201) 291-9000
randy@randyneumann.com
www.randyneumann.com
Executive Vice President
President, CFP®
210 Malapardis Rd.
Cedar Knolls, NJ 07927
Phone: (973) 966-1274
Toll-free: (888) 803-9090
doconnor@wfafinet.com
www.dennisoconnor.wfadv.com
Senior Financial Advisor
Peter's background includes more than 22
years' experience with major investment
banks where he held senior positions
in treasury management. His business
experience and financial knowledge enable
Peter to add value to his individual and smallbusiness clients.
Securities and Asset Management Services offered through LPL
Financial, Member FINRA/SIPC.
performance. Please see the introduction section for important information
on the scope of the award and the Five Star selection process. Wells Fargo
Advisors Financial Network, LLC, Member SIPC. [CAR 1112-01330 1/13].
Charles J. Quatrocchi
Lisa Roll
1030 Broad St.
Shrewsbury, NJ 07702
Direct: (732) 389-8655
lisa.pizzella@ms.com
989 Lenox Dr.
Phone: (609) 895-8619
Toll-free: (888) 219-2538
160 Mt. Bethel
Warren, NJ 07059
Phone: (800) 631-5907
lisa.m.roll@wfadvisor.com
charles.quatrocchi@wfadvisors.com
Financial Advisor
First Vice President – Investments
Senior Portfolio Manager,
Financial Advisor
My goal is to thoroughly understand
your financial needs and then to align the
resources to help you meet or exceed them.
I can help you evaluate near-term and longterm goals and assist you in developing and
executing a strategy that is precisely your
own.
January 2013
With more than 27 years in the financial
services industry, Mr. O'Connor has built his
practice on a foundation of integrity along
with a commitment to superior service and
thorough attention to each client's needs. He
is also a Senior (PIM) Portfolio Manager.
Lisa Pizzella
www.morganstanleyfa.com/pizzella
FS-46
I believe that my clients expect and deserve
the personal attention of a qualified advisor.
In this world of voicemail, mergers of
financial institutions and financial media
bombardment, I pride myself in providing
personal service.
With more then 27 years in the financial
services industry, I am committed to helping
my clients achieve their financial goals. Thank
you to all who helped me achieve this honor.
Lisa has been working in the financial
services industry for 15 years. She is proud
to provide a personal approach to helping
her clients reach their financial goals.
information on the scope of the award and the Five Star selection
process. Wells Fargo Advisors, LLC, Member SIPC. [CAR 1112-02527].
information on the scope of the award and the Five Star selection process.
Wells Fargo Advisors, LLC, Member SIPC, is a registered broker-dealer and
separate affiliate of Wells Fargo & Company. [CAR 1112-01324].
© F ve ar ro
S
i
© F ve tar Pro
S
f
i
P
© F ve tar ro ess
i
S
f
ive ta Pro ess
Fiv St r P fe io
e
t
n
s
a
r
e S r P of sio al
tar ro ess na
i
f
Pr es on l
Frederick A. Schiller
Debra Taylor, Esq.
20 Linden Pl.
Red Bank, NJ 07701
Phone: (732) 936-3300
randall.rosenberg@
morganstanley.com
10 Madison Ave., First Fl.
Direct: (973) 993-4980
frederick.a.schiller@
morganstanley.com
851 Franklin Lake Rd., Ste. 34
Franklin Lakes, NJ 07417
Office: (201) 891-1130
taylorfinancialgroup.com
Senior Vice President, Financial
Advisor
Senior Vice President - Wealth
Management, Financial Advisor
As your financial advisor, I can help you
define and strive to meet your goals by
delivering a vast array of resources to you in
the way that is most appropriate for how you
invest and what you want to achieve.
As a result of my 32 years of experience while
weathering extreme highs and lows, I feel my
strengths are first and foremost moderating
risk while giving one the opportunity to
achieve their financial goals.
Wealth Manager, CPA/PFS
With more than 20 years of experience,
Taylor Financial Group delivers superb wealth
management services to affluent clients.
Securities offered through LPL Financial, Member FINRA/SIPC. Investment
advice offered through Private Advisor Group, a registered investment
advisor and separate entity from LPL Financial. To receive the 2013 Five
Star Wealth Manager award, a wealth manager must meet 10 objective
eligibility and evaluation criteria associated with providing quality services
to clients. Wealth managers do not pay a fee to be considered or placed on
the final list of 2013 Five Star Wealth Managers.
802 W Park Ave., Bldg. 3, Ste. 301
Ocean, NJ 07712
Office: (732) 493-0055
dvargo@varbeco.com
www.Varbeco.com
President, CFP®, CMFC®
At Varbeco, we view wealth management as
the union between financial planning and
investment management. Our primary focus
is asset protection. It is of equal importance to
not only grow your assets but to protect them.
Securities offered through LPL Financial, Member FINRA/SIPC.
Financial Planning offered through Varbeco Wealth Management, a
Registered Investment Advisor, and separate entity from LPL Financial.
Charles Watson
2150 Hwy. 35, Ste. 200
Sea Girt, NJ 08750
Office: (732) 974-5021
Toll-free: (800) 965-9217
charles.watson@morganstanley.com
www.morganstanleyfa.com/charleswatson
Steven Vitanza
If you’re in this
business for money
alone, you will never
make it. You have to
genuinely want to
make a difference in
your clients’ lives.
— Five Star award winner
Tw
W o-Y
in ea
ne r
r
Tw
W o-Y
in ea
ne r
r
David J. Vargo
John W. Weber, Jr.
Matthew R. Zhilitsky
Weber Wealth
Management, LLC
47 Morse St.
Cranford, NJ 07016
Office: (908) 377-0200
webs@wwmllc.com
www.wwmllc.com
400 Campus Dr.
Direct: (973) 410-3042
Toll-free: (800) 526-9075
matthew.r.zhilitsky@morganstanley.com
Wealth Manager
Many thanks to all of my clients for providing
me the opportunity to work with them in my
continuous efforts to achieve their financial
goals and objectives. It is a privilege.
Securities and Investments Advisory Services offered through
NFP Securities, Inc. Member FINRA/SIPC. NFP Securities, Inc. is
not affiliated with Weber Wealth Management, LLC.
Financial Advisor
CFP®, ChFC®, CLU®
A personalized working relationship with
each client is key to their success during
these uncertain times. We work together to
identify the details, so each client has input
in developing their personal plan. Then we
track ongoing progress toward their goals.
Investors should conduct their own evaluation of a financial
professional as working with a financial advisor is not a
guarantee of future financial success. Ameriprise Financial
Services, Inc., Member FINRA and SIPC.
Associate Vice President – Wealth
Management, Financial Advisor
Financial Advisor
I provide comfort, clarity and confidence
regarding your financial future. Let me help
you get organized to make smart choices
about how you save, spend, invest, borrow
and give. Call today for a free consultation.
1105 Laurel Oak Rd.
Voorhees, NJ 08043
Phone: (856) 741-8000, Ext. 350
steven.x.vitanza@ampf.com
Ameriprise.com
My mission is to work with clients to help
them achieve their financial goals through
thoughtful, objective planning and prudent
management of investment assets. I help
clients build, manage and preserve wealth. I
am committed to service with integrity.
January 2013
FS-47
Randall Rosenberg

Five Star Wealth Managers

Transcription

Similar documents

View PDF - Old Port Advisors

February 20 - 24, 2014 - Buckeye Cruise for Cancer

Cruise Sponsors - Buckeye Cruise for Cancer

The 360 Group - Morgan Stanley Locator

Commercial Land for Sale $1,500,000 - Beiler

Wealth Management Brochure - Plante Moran Financial Advisors

Flat Stanley 50th Birthday

Competition to Advise Sports Pros Grows Dow Jones Newswires

Firehouse hosts Great Big Home Show