2013 new jersey five star wealth managers · · 2013-01-142013 five star wealth managers ......

N E W J E R S E Y M O N T H LY January 2013 FS-1

2013 Five Star Wealth

Man

agers

Special advertiSing Section

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:

• 29 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 examples of weal th managers are f inancia 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 one-year 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.

Five Star Wealth Managers

2013 New Jersey

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

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.

CaNdidateSaward

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.

aWarda Select

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FS-2 January 2013 N J M O N T H LY. C O M


Man

agers


Wishful thinking is not planning. If you plan for the worst, you will never be unpleasantly surprised.”

What matters most is how you recover from setbacks.”

Only invest in something that you understand.”

Insights from Five Star Wealth Managers

Clients don’t care how much you know until they know how much you care.”

• 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. • 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.

• Five 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.

diSCloSureSresearch

2013

The Five Star award goes to less than 7 percent of wealth managers.

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)

1. Credentialed 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).

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.

oF aWard WiNNerSdetermination

(2) Wealth managers were required to certify that any information they provided was accurate. (3) 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.

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.

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award winners listed by primary services and listed alphabetically by last name.

Business PlanningElias R. Dau ∙ Merrill Lynch

Laurie Goldsmith-Heitner ∙ Laurie Goldsmith-Heitner

Bill Gray ∙ Marsh & McLennan Agency

P. Nick Makriannis ∙ AXA Advisors

George B. Rosenthal ∙ George B. Rosenthal Financial Services

Estate PlanningGeorge Aguilar ∙ Neff Aguilar

Alan Augulis ∙ Augulis Law Firm

Marc R. Berman ∙ Cole Schotz Meisel Forman & Leonard

John Callinan ∙ Law Offices of John W. Callinan Page 45

Paul Foley ∙ Lee Nolan & Koroghlian

Brian Fuhro ∙ Fuhro & Beukas

Anita Grossman ∙ Grossman Financial Planning Group/Lincoln Financial Advisors

Timothy Hyland ∙ Stone Hill Financial*

Kevin Kruse ∙ MetLife Solutions Group

Joseph Lemond ∙ Herold Law

Bernie Petit ∙ Beacon Financial Solutions

Allen Porter ∙ Miller Porter & Muller

Leonard Selesner ∙ Selesner & Polifron

John Wang ∙ Ameriprise Financial Services, Inc.

Leonard Witman ∙ Witman Stadtmauer

Financial PlanningStephen Allen ∙ Morgan Stanley

Rodney Alvarado ∙ Charles Schwab & Company

Christopher Amato ∙ Morgan Stanley

Angelo Amitsis ∙ Morgan Stanley

Robert Andreacchio ∙ Ameriprise Financial Services, Inc.

Matt Appel ∙ The Appel Financial Group

John B. Araneo ∙ Morgan Stanley 6

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

Suzanne Balian ∙ Morgan Stanley

Ana Barnett ∙ Main Street Investment Group

Andrew Barrow ∙ Morgan Stanley Page 41

Sue Barroway ∙ Ameriprise Financial Services, Inc.

Robert Barry ∙ Barry Capital Management

Bruce Barth ∙ Merrill Lynch

Thomas F. Bauman ∙ Northeast Private Client Group

Richard Beltram ∙ Morgan Stanley

Amy Blevins ∙ LPL Financial

David Bobrowsky ∙ Alden Wealth Management

John Bodnar ∙ Bodnar Financial Advisors

Bradley Bofford ∙ Financial Principles Page 19

Michael Bonevento ∙ Intellectual Capital Group/Ameriprise Financial Services, Inc.

Joe Bonfiglio ∙ Joe Bonfiglio

Steven Boorstein ∙ Rockcrest Financial

Janice Bowman ∙ David Lerner Associates*

Jeffrey Boyer ∙ Regent Atlantic Capital

Paul Brehne ∙ Morgan Stanley Page 41

Andrew Breitbart ∙ RBC Wealth Management

Stuart Brill ∙ Raymond James Financial Services

Steven Brisgel ∙ Morgan Stanley

Megan Brozowski ∙ Regent Atlantic Capital

Timothy Brunnock ∙ Private Advisor Group Page 41

William Burke ∙ Mendham Capital Management

Timothy Burklow ∙ Ameriprise Financial Services, Inc. Page 16

Brian Burns ∙ Morgan Stanley

Nikolas Butkov ∙ Ameriprise Financial Services, Inc.

Michael Byrne ∙ Lighthouse Planning Consultants

Frank Cangelosi, Jr. ∙ Financial Foundations Group

Ronald Carr, Jr. ∙ New England Financial

Anthony Caruso ∙ Vitale Caruso & Associates

Leo Casper ∙ Leo K. Casper, CPA

James Cassa ∙ Cassa Wealth Management

Donald Chambers ∙ Chambers Wealth Management

Manoda Chauhan ∙ Ameriprise Financial Services, Inc.

Peter Chemidlin ∙ Family Investors Company

Nathaniel Cheney ∙ Raymond James Financial Services

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

Scott Cooper ∙ Economic Concepts

Mark Cortazzo ∙ Macro Consulting Group Page 28

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

Gregory Davidson ∙ RBC Wealth Management

Robert Davis ∙ Wealth Preservation Solutions Page 40

Frank P. Defranco ∙ Merrill Lynch

Anthony DeGregorio, Jr. ∙ American Portfolios*

Jeffrey Deiss ∙ Tempewick Wealth Management

Joseph Del Guercio ∙ New England Financial

James Denton ∙ DFS Advisors Page 42

Paul Desmond ∙ LPL Financial*

Tina Dhar ∙ Insight Financial/LPL Financial

Frank Dolce ∙ Merrill Lynch

Bruce Doner ∙ Innovative Wealth Management Services

Andrew Donofrio ∙ Garden State Securities

*Profiles will be featured in the February issue of New Jersey Monthly

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Lance Druckenmiller ∙ Merrill Lynch

Patrick Duffield ∙ Ameriprise Financial Services, Inc.

Timothy Duncan ∙ Duncan Financial Group

Michael Dwyer ∙ Strategic Family Wealth Counselors

James Dy ∙ Main Street Wealth Management

Mark Dzamba ∙ Ameriprise Financial Services, Inc.

Lydia Eftimoski ∙ Merrill Lynch

John Egan ∙ J.M. Egan Wealth Advisors Page 18

Stanley Ehrlich ∙ S. F. Ehrlich Associates

Walter Eife ∙ McLaughlin Asset Management

Gregory Emr ∙ LPL Financial

Thomas Ennis ∙ Ennis Financial Services

Michael Enos ∙ Lincoln Investment Planning

Geroge J. Ernst, Jr. ∙ Morgan Stanley

James C. Ewing ∙ Merrill Lynch

Bernard Fasciano ∙ Morgan Stanley

John Feast ∙ Janney Montgomery Scott

Ian Ferrato ∙ Garden State Securities

Steven Filiaci ∙ Morgan Stanley

Robert Finan ∙ Merrill Lynch

Nancy Findlay ∙ Ameriprise Financial Services, Inc.

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

Brian Fullman ∙ Asset & Wealth Management Group

Richard Gaba ∙ Gaba Financial Services

H. Alan Gabelmann ∙ Morgan Stanley

Alberto Gaglianese ∙ Lincoln Investment Planning

Jeffrey Gardiner ∙ BGC Securities

Timothy Gardner ∙ Gardner Financial Planning

Michael Gee ∙ Merrill Lynch

Jonathan Geisler ∙ McLaughlin Asset Management

Ronald Gelok ∙ Ronald Gelok & Associates 5

Jeffrey George ∙ Merrill Lynch

Gregory Gerew ∙ Vision Financial Services

Michael Gibney ∙ Highland Financial Advisors

Thomas Gioia ∙ Ameriprise Financial Services, Inc.

Don Giovanello ∙ Morristown Wealth Management

Steven Gochman ∙ Creative Financial Group of New Jersey

Michael Goldberg ∙ Morgan Stanley Page 36

Zachary Goldberg ∙ Morgan Stanley Page 36

Steven Goldman ∙ Morgan Stanley

Edward Goldstein ∙ Financial Life Planning

Rebecca Golembiski ∙ Ameriprise Financial Services, Inc.

Gregory Goodman ∙ Merrill Lynch

Karl H. Graf ∙ Graf Financial Advisors

Matthew Graf ∙ Ameriprise Financial Services, Inc. Page 33

Robert Greenwood ∙ Ameriprise Financial Services, Inc.

Philip Grella ∙ RBC Wealth Management

Stephen Grimmie ∙ Ameriprise Financial Services, Inc.

David Grossman ∙ Kingsbridge Financial Group Page 25

Eric Guggenheim ∙ Ameriprise Financial Services, Inc.

Parker Gundeck ∙ Merrill Lynch

Darrell Haytaian ∙ Chester Financial Group

Michelle Heide ∙ Patton Heide & Associates/Ameriprise Financial Services, Inc.

Christine F. Heim ∙ Merrill Lynch

Christopher Heiser ∙ Ameriprise Financial Services, Inc.

Robert Herold ∙ Family Wealth Care

Ronald Holtz ∙ Gilford Securities

Nicholas Houmis ∙ The Essex Group

James Hundley ∙ H.D. Vest Securities

Robert Imparato, Jr. ∙ RICH Planning Group

Robert L. Iola, Jr. ∙ The Iola Financial Group Page 24

Michael Israel ∙ Oppenheimer & Company

Ronald Jaeger ∙ Jaeger Wealth Management

Josh Jalinski ∙ Jalinski Advisory Group*

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

Thomas Keener ∙ Certified Financial Services

Brian J. Kelly, Jr. ∙ Morgan Stanley

John Kennedy III ∙ Kennedy Investment Group

Scott Klein ∙ AXA Equitable

Timothy Knotts ∙ The Hogan Knotts Financial Group

Donald Kostka ∙ Kostka Taylor, CPAs

Karl L. Kreshpane ∙ Morgan Stanley Page 26

Vladislav Krubich ∙ Mayo Krubich & Associates/Ameriprise Financial Services, Inc.

Jay Lamalfa ∙ Macro Consulting Group Page 28

Bryan Landadio ∙ Personal CFO Solutions

Edward J. Lang ∙ Ameriprise Financial Services, Inc.

John Larkin ∙ Merrill Lynch

Diahann W. Lassus ∙ Lassus Wherley

Michael Leanza ∙ The Genwealth Group

Raymond Lee ∙ Merrill Lynch

Paul Leesman ∙ Ameriprise Financial Services, Inc.

Peter Leist ∙ LPL Financial

Todd Leonhardt ∙ Benjamin F. Edwards & Company

John Leroy ∙ Summit Financial Resources

Alan Levine ∙ Diversified Financial Consultants*

William Lewis ∙ Ameriprise Financial Services, Inc. Page 16

Henry Liao ∙ Ameriprise Financial Services, Inc.

David Light ∙ Ameriprise Financial Services, Inc.

Steven Linden ∙ Prestige Wealth Management Group

Knut Lundberg ∙ Factius Financial Strategies


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Jerry Lynch ∙ JFL Total Wealth Management

John Lynde ∙ LPL Financial*

David MacKinnon ∙ Morgan Stanley

Susan Macy ∙ Ameriprise Financial Services, Inc.

Anthony Magnotta, Jr. ∙ ACM Financial Services

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

Robert Mastrandrea ∙ East Coast Wealth Management

Camillo Matteucci ∙ Ameriprise Financial Services, Inc.

Mark Mauro ∙ Mark J. Mauro, CPA

Michelle May ∙ Ameriprise Financial Services, Inc.

Tony Mayo ∙ Ameriprise Financial Services, Inc.

Brian McDaid ∙ Compass Point Advisor

Michael McDyer ∙ Atlas Capital Management

Frank McKinley ∙ Nationwide Planning Associates

Michael McLane ∙ Professional Economic Growth Group*

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

Sean Monahan ∙ Financial Alternatives

Robert Mongelli ∙ Ameriprise Financial Services, Inc.

Mary Morse ∙ Heritage Investment Partners

Gilbert Moscatello ∙ Langdon Ford Financial

Donald Moser ∙ JP Turner

George Mouded ∙ Lincoln Financial Advisors

John Moynihan ∙ Waterstone Wealth Advisors

Michael Mrotzek ∙ Morgan Stanley

Paul Muller ∙ Ridgewood Financial Advisors

Kevin Mullins ∙ VALIC Financial Advisors

William Munn ∙ Munn & Associates/Ameriprise Financial Services, Inc.

Brian Murphy ∙ Murphy Financial Advisors/MetLife Securities

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

Nicholas Nicolette ∙ Sterling Financial Planning Page 34

Maria Z. Nigro ∙ Ameriprise Financial Services, Inc. Page 33

Joseph Norris ∙ Moorestown Wealth Management Group

Christopher Noviello ∙ Noviello Financial Group

Brendan O’Connor ∙ Lincoln Financial Advisors

William O’Doherty ∙ Thrivent Financial

Stephen Oliver ∙ Manhattan Ridge Advisors

Peter J. O’Neill ∙ Tanistry Wealth Management

Tom Orecchio ∙ Modera Wealth Management

Jack Oujo ∙ Jack Oujo, CPA 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

Nicholas Pascarella ∙ Nicholas Pascarella & Company Page 12 & 13

Joseph Patton ∙ Patton Heide & Associates/Ameriprise Financial Services, Inc.

Kenneth Paul ∙ Prestige Wealth Management Group

Damien Paumi ∙ Nisivoccia*

Vincent Pecora ∙ Morgan Stanley

Douglas Pires ∙ Morgan Stanley

Lisa Pizzella ∙ Morgan Stanley Page 46

Gregory Plechner ∙ Modera Wealth Management

David Podell ∙ Podell Financial Group

Arthur Podnos ∙ Morgan Stanley

Nicholas Pontilena ∙ Advanced Financial Consulting

Nicholas Poulis ∙ Morgan Stanley

Eric Pressman ∙ Merrill Lynch

Alec Price ∙ Merrill Lynch

Dennis Quinn ∙ Creative Financial Group of New Jersey

Keith Radimer ∙ Laselva and Radimer/Ameriprise Financial Services, Inc.

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.

Mark Reddington ∙ Reddington Advisory Group

Tom Regan ∙ Morgan Stanley

James Reilly ∙ Regent Atlantic Capital

Kevin Rex ∙ Rex Global Wealth Management

Michael Ricca ∙ Morgan Stanley

Robert Richards, Jr. ∙ EPA Financial Services Corporation

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 Services, Inc. Page 16

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


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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

Gary Sickler ∙ Ameriprise Financial Services, Inc.

Matthew Siegel ∙ Millstone River Wealth Management

James Simone ∙ Simone Zajac Wealth Management Group

Eric Sjolund ∙ Sjolund Financial Services

Suzanne Sloan ∙ Morgan Stanley

John Smallwood ∙ Smallwood Capital Management Page 39

George Smith ∙ Morgan Stanley

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

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

Thomas Tishman ∙ Merrill Lynch

Scott Tonnesen ∙ Morgan Stanley Page 44

John Torrence ∙ Masso Torrence Wealth Management

Robert Tria ∙ Ameriprise Financial Services, Inc.

Paul Tully ∙ Eagle Wealth Strategies/Raymond James Financial Services

Andrew Tupler ∙ Tupler Financial Page 39

Jeffrey Valle ∙ The Falcon Financial Group

Darraugh Valli ∙ Family Investors Company

Richard Vanderpool ∙ Ameriprise Financial Services, Inc.

Tyler Vernon ∙ Biltmore Capital Advisors

Jose Vicente ∙ Ameriprise Financial Services, Inc. Page 33

Steven Vitanza ∙ Ameriprise Financial Services, Inc. Page 47

Rosanna Vizzoni ∙ Merrill Lynch

Stephen Walker ∙ Ameriprise Financial Services, Inc.

Charles Watson ∙ Morgan Stanley Page 47

Joseph Watson ∙ Janney Montgomery Scott

Thomas Weber ∙ APT Asset Management Page 40

John Weber, Jr. ∙ Weber Wealth Management Page 47

David Weinerman ∙ Morgan Stanley

Lawrence Weiss ∙ Merrill Lynch

Michael Weiss ∙ Certified Financial Services

Scott Whalen ∙ Morgan Stanley

Roy Williams ∙ Prestige Wealth Management Group

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*

Alfred Zarroli ∙ Ameriprise Financial Services, Inc.

Alan Zevin ∙ Ameriprise Financial Services, Inc.

Matthew Zhilitsky ∙ Morgan Stanley Page 47

InsuranceMushtaq Ahmed ∙ AXA Advisors

Ken Detz ∙ Certified Financial Services

Patrick Dolan ∙ Lee Nolan & Koroghlian

Eric Greene ∙ Northeast Planning Corporation

Stuart Malakoff ∙ Merrill Lynch

Joseph J. Oakes IV ∙ Acorn Financial Services

InvestmentsCharles Allen ∙ Morgan Stanley

Stan Alpert ∙ Morgan Stanley Page 14

Michael Altschuler ∙ Wells Fargo Advisors Financial Network, LLC

Carlos Arias ∙ Ameriprise Financial Services, Inc. Page 15

Christopher Armstrong ∙ Charles Schwab & Company

David Armstrong ∙ Morgan Stanley Page 10 & 11

Laura Armstrong ∙ Morgan Stanley Page 10 & 11

Mark Aronson ∙ Wells Fargo Advisors, LLC

Robert Baker ∙ Wells Fargo Advisors, LLC

Gregory Barbaro ∙ Merrill Lynch

Richard Barnett ∙ Barnett Financial Services

Ann Baron ∙ Wells Fargo Advisors, LLC

James Barrett ∙ RMR Wealth Builders

James Barry ∙ Merrill Lynch

Daniel Batista ∙ Citi Private Bank Page 35

Mindy Beck ∙ Wells Fargo Advisors, LLC

Charles Belluardo ∙ Morgan Stanley*

Anthony Benante ∙ Baron Financial Group

Elaine Beneduci ∙ Morgan Stanley

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 Services, Inc. Page 33

Peter Black ∙ Morgan Stanley

Elizabeth Blanchard ∙ Sopher Financial Group


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Andrew Bodner ∙ Double Diamond Investment Group

Brendan Bogart ∙ Bogart Value Partners

Joseph Bonadeo ∙ Charles Schwab & Company

Carla Bond ∙ Merrill Lynch

Leonard Boniface ∙ Merrill Lynch

Eric Boory ∙ Morgan Stanley

Steven Borenstein ∙ Morgan Stanley

Stephen Brady ∙ Morgan Stanley Page 35

Mark Brahney ∙ Morgan Stanley

Hugh Breslin ∙ Wells Fargo Advisors, LLC

Robert Brown ∙ Wells Fargo Advisors, LLC

Peter Bruno ∙ Wells Fargo Advisors Financial Network, LLC

Seth Bruno ∙ Financial Northeastern Corporation

John Burke ∙ Burke Financial Strategies

Charles Byron ∙ Alloy Silverstein Financial Services

Richard Callaghan, Jr. ∙ R. Seelaus & Company

Ernest Camilleri ∙ Camilleri Financial Group

Paul Campadonico ∙ Varbeco Wealth Management

Victor Cannillo ∙ Baron Financial Group

Carmen Cappadona ∙ 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

Stephen Cicali ∙ The Mutual Fund Store

Richard Cioffi, Jr. ∙ Wells Fargo Advisors, LLC

John Cipollone ∙ Wells Fargo Advisors, LLC

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

Elliott Collins ∙ Aljen Asset Management Page 42

Thomas Collins III ∙ SICA Wealth Management/Comprehensive Asset Management

Peter Contini ∙ TIAA-CREF

Christopher Cordaro ∙ Regent Atlantic Capital

Peter Costello ∙ Wells Fargo Advisors, LLC

Ron Critelli ∙ Wells Fargo Advisors, LLC

G. Thomas Croonquist ∙ Janney Montgomery Scott

Carl Crowley ∙ Boenning & Scattergood Page 45

Robert Cutrupi ∙ Morgan Stanley

Robert D’Addario ∙ Merrill Lynch

Robert D’Alia ∙ Merrill Lynch

Scott Daly ∙ Comprehensive Capital Management

Sean Davis ∙ Wells Fargo Advisors, LLC

Michael Delehanty ∙ 21st Century Advisors

Bill Delizza ∙ Wells Fargo Advisors, LLC

Steven Di Palma ∙ Wells Fargo Advisors, LLC

Ralph Diaz ∙ Merrill Lynch

Jeffrey Dickinson ∙ MetLife

Patricia Donelan ∙ Wells Fargo Advisors, LLC

Christopher Donnelly ∙ Wells Fargo Advisors, LLC

Sean Donovan ∙ Delta Financial Group

Patrick Doran ∙ Merrill Lynch

Scott Drayer ∙ Morgan Stanley

William Dredge ∙ Morgan Stanley

Charles Dudley ∙ Wells Fargo Advisors, LLC

Jeffrey Duncan ∙ Duncan Financial Services*

Lawrence Durso ∙ Morgan Stanley*

Thomas Dwyer ∙ Wells Fargo Advisors, LLC

Monte Edwards ∙ Wells Fargo Advisors, LLC

Steve Erikson ∙ Hallmark Capital Management Page 21

Gustav Fingado IV ∙ Merrill Lynch

Nicholas Fish ∙ Ameriprise Financial Services, Inc.

Michael Flugger ∙ Ameriprise Financial Services, Inc.

Albert Fox ∙ Fox, Penberthy & Dehn/Merrill Lynch

James Galbraith ∙ Wells Fargo Advisors, LLC

Todd Galinko ∙ LPL Financial

Rocco Gallo ∙ Wells Fargo Advisors, LLC

John Gleason ∙ Morgan Stanley

Mark Gleckner ∙ Wells Fargo Advisors, LLC

Sharon Gleckner ∙ Wells Fargo Advisors, LLC

Sylvan Goldwert ∙ Merrill Lynch

Jason Gonter ∙ Ameriprise Financial Services, Inc.

Leo Gotleib ∙ Gotleib & Associates

Audrey Gould ∙ Wells Fargo Advisors, LLC

Traudy Grande ∙ Wells Fargo Advisors Financial Network, LLC

Jeffrey Grayson ∙ Wells Fargo Advisors, LLC*

Barry Gross ∙ Morgan Stanley

Gerry Grossman ∙ Morgan Stanley

Peter Hagerman ∙ Hallmark Capital Management Page 21

Steven Haiser ∙ Primerica

Robert Hall ∙ Edward Jones

Carl Hanks ∙ Morgan Stanley Page 42

Mark Harwanko ∙ Black River Financial

Frank Hayn ∙ Merrill Lynch

John Heavey ∙ Morgan Stanley

Donald Hecht ∙ Ameriprise Financial Services, Inc.

Jordan Heller ∙ Heller Wealth Advisors Page 22

Barry Hess ∙ Ameriprise Financial Services, Inc.

Lawrence Hess ∙ LPL Financial

Bob Hoey ∙ Janney Montgomery Scott

Jeffrey Hohl ∙ Wells Fargo Advisors, LLC

David Hollenberg ∙ Merrill Lynch

William Howard ∙ RBC Wealth Management

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

Todd Jakubik ∙ Total Financial Concepts

Kathleen Joyal ∙ Merrill Lynch Wealth Management

David Karp ∙ Wells Fargo Advisors, LLC

Frank Karpack ∙ MetLife Resources

Lawrence Karpf ∙ Wells Fargo Advisors, LLC

David Katz ∙ Gitterman & Associates Wealth Management Page 20


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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*

Thomas Komninos ∙ Ameriprise Financial Services, Inc. Page 33

Daniel Kramer ∙ Wells Fargo Advisors, LLC

Glenn Krause ∙ Ameriprise Financial Services, Inc.

Kishor Kumar ∙ Merrill Lynch Wealth Management

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 Services, Inc. Page 27

Stephen Leightman ∙ RBC Wealth Management

Jay Leonard ∙ Classic Capital

Robert Lerman ∙ Financial Northeastern Corporation

Scott Lerner ∙ Morgan Stanley

Rachel Leventhal ∙ Hennion & Walsh

Thomas Ley ∙ Wells Fargo Advisors, LLC

Matthew Libien ∙ Wells Fargo Advisors, LLC

Anthony Librizzi ∙ Wells Fargo Advisors, LLC

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*

Richard Marr ∙ Wells Fargo Advisors, LLC

Laura Mattia ∙ Baron Financial Group

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

George Merrill ∙ Wells Fargo Advisors, LLC

Sebastian Messina ∙ Wells Fargo Advisors, LLC

Susan Michel ∙ Glen Eagle Advisor*

Angus Miller ∙ Morgan Stanley

Trevor Miller ∙ Morgan Stanley

Thomas Mimnaugh ∙ Wells Fargo Advisors, LLC

Vincent Minutillo ∙ Morgan Stanley

Richard Mitchell ∙ Wells Fargo Advisors, LLC

Peter Mittnacht ∙ Morgan Stanley

Jerrold Mitzner ∙ Morgan Stanley

Matthew Montenero ∙ Wells Fargo Advisors, LLC

Neil Montesano ∙ Wells Fargo Advisors, LLC

Michael Moore ∙ Wells Fargo Advisors, LLC

Robert Mosera ∙ Wells Fargo Advisors, LLC Page 46

Nicholas Mueller ∙ Wells Fargo Advisors Financial Network, LLC

Robert Muhleisen ∙ Wells Fargo Advisors, LLC Page 30

Lawrence Murphy ∙ Murphy Financial Advisors

William Murphy ∙ Wells Fargo Advisors, LLC

Joseph Myers ∙ Raymond James Financial Services Page 43

Eileen Nagy ∙ Morgan Stanley

John Nardone ∙ Morgan Stanley

Joan Nilan ∙ Wells Fargo Advisors, LLC

Gregory Nolan ∙ Wells Fargo Advisors Financial Network, LLC

Robert Norton ∙ Norton Wealth Management

Andrew Novick ∙ Condor Capital Management Page 17

Dennis O’Connor ∙ Wells Fargo Advisors, LLC Page 46

Margaret O’Meara ∙ O’Meara Financial Group

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

John Piszko ∙ Wells Fargo Advisors, LLC Page 37

Richard Policastro ∙ Wells Fargo Advisors, LLC

F. Ponicsan ∙ Wells Fargo Advisors, LLC

Brian Power ∙ Gateway Advisory

Daniel Price ∙ Certified Financial Services

Thomas Price ∙ Merrill Lynch

Chris Purdue ∙ Wells Fargo Advisors, LLC

Charles Quatrocchi ∙ Wells Fargo Advisors, LLC Page 46

Kathleen Racz ∙ Janney Montgomery Scott

Scott Randolph ∙ Wells Fargo Advisors, LLC

David Rehrer ∙ Merrill Lynch

Gregg Reich ∙ Sturdy Financial Services

Richard Reiss ∙ Morgan Stanley

Paul Renfro ∙ Merrill Lynch

Thomas Reynolds ∙ CRA Financial

Jason Riccardo ∙ Morgan Stanley

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

Ian Ruderman ∙ New England Financial

Donald Ruggieri ∙ Wells Fargo Advisors, LLC

Leon Russomanno ∙ Morgan Stanley


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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.


William Sabia ∙ Merrill Lynch

James Sahagian ∙ Wells Fargo Advisors, LLC

Wayne Sammartino ∙ Merrill Lynch

Guy Savino ∙ Wells Fargo Advisors, LLC

Richard Schad ∙ Ameriprise Financial Services, Inc.

David Schaming ∙ Wells Fargo Advisors, LLC

Kenneth Schapiro ∙ Condor Capital Management Page 17

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

Don Schreiber ∙ WBI Investments

Steven Schwartz ∙ Wells Fargo Advisors, LLC

Walter Schwenk ∙ Wells Fargo Advisors, LLC

Kevin Scott ∙ Wells Fargo Advisors, LLC

James Shagawat ∙ Baron Financial Group

William Shen ∙ Merrill Lynch

John Short ∙ Morgan Stanley

Mark Shottland ∙ Wells Fargo Advisors, LLC

Stephen Shueh ∙ Roundview Capital

Lee Shulman ∙ Janney Montgomery Scott

Keith Simons ∙ Morgan Stanley

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 Services, Inc. Page 33

Michael Stagliano ∙ Wells Fargo Advisors, LLC

Leonard Stagnitti ∙ Wells Fargo Advisors, LLC

Janet Stamato ∙ Morgan Stanley

Scott Stephen ∙ Wells Fargo Advisors, LLC

Mildred Tabor-Winkle ∙ Wells Fargo Advisors, LLC*

Vincent Tagliaferri ∙ Creative Financial Group of New Jersey

William Tarallo ∙ Wells Fargo Advisors Financial Network, LLC

Frank Taylor ∙ Merrill Lynch

Robert Teevan ∙ Buckman Buckman & Reid

Bruce Tepper ∙ Wells Fargo Advisors, LLC

Patrick Tierney ∙ Merrill Lynch

James Travagline ∙ Wells Fargo Advisors, LLC

Joseph Travagline ∙ Wells Fargo Advisors, LLC

Robert Troyano ∙ RMT Wealth Management

David Turk ∙ The Falcon Financial Group

David Vargo ∙ Varbeco Wealth Management Page 47

Nick Ventura ∙ Ventura Wealth Management

Kevin Verdon ∙ AXA Advisors*

Kenneth Villano ∙ Raymond James Financial Services

Michael Vincent ∙ Wells Fargo Advisors, LLC

Alan Vladimir ∙ Wells Fargo Advisors, LLC

Harold Wachtel ∙ Wachtel Capital Management

Deborah Walker ∙ Koerner Walker Wealth Management

Denis Walker ∙ MetLife

Paul Wampler ∙ Wampler Wealth Management Group

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

Frank Yany ∙ Wells Fargo Advisors, LLC

Marvin Zektzer ∙ Morgan Stanley

Lloyd Zitomer ∙ Wells Fargo Advisors, LLC

Paul B. Zoch ∙ Asset Advisory Group

TaxationRichard Beam ∙ Richard S. Beam, CPA

Herbert Botwinick ∙ Botwinick & Company, CPAs

Kenneth Botwinick ∙ Botwinick & Company, CPAs

Nicholas Cannone ∙ Cannone and Company

Charles Carroll ∙ Charles M. Carroll, CPA

Reynold Cicalese ∙ Alloy Silverstein Financial Services

Andrew Fingerhut ∙ Sonzogni Bottitto & Fingerhut

Joseph Gitto ∙ Becher Della Torre Gitto & Company

Gary Keller ∙ Keller & Lebovic, CPAs

Joseph Lizza ∙ Lizza & Associates

Joseph Maida ∙ Maida Mackler

John Mezzasalma ∙ Mezzasalma Advisors

Anthony Monterisi ∙ Calantone Monterisi & Company

Paul Mosteller ∙ Mosteller Ischinger & Owens

Richard Olster ∙ Richard L. Olster

Jerry Reimer ∙ Jerry Reimer

Randall Rothstein ∙ Rothstein Sweet Associates, CPAs

Daniel J. Schreck ∙ Schreck Bavaro & Company


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Our Family Working Together for You

The Armstrong Group at Morgan Stanley

Left to right: Philip Armstrong, 2013 winner David Armstrong, 2013 winner Laura Armstrong, three-year winner Diana Armstrong

• 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

[email protected] • www.morganstanley.com/fa/armstrongTax 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.

Three-year winnerDiana Armstrong,

CFP®, Senior Vice President,Financial Advisor

2013 winner David Armstrong, CFP®, Associate Vice President,

Financial Advisor

Philip Armstrong, CFP®, Relationship Manager

2013 winner Laura Armstrong, Financial Advisor

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Left to right: Three-year winner Nicholas A. Pascarella, CPA-PFS, CFP®; Mary C. Pascarella, CFP®; Eric J. Pascarella, CPA

Nicholas Pascarella & Co.

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 fi nancial 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.comSecurities and advisory services offered through Cetera Advisors LLC, member FINRA/SIPC.

Cetera is under separate ownership from any other entity.

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The Alpert Kaufman Group at Morgan StanleyA 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 fi nancial 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 07078Direct: (973) 467-6362 • Toll-free: (866) 288-4711

[email protected] • [email protected]

© 2013 Morgan Stanley Smith Barney LLC. Member SIPC.

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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 fi nancial advisor since 1999• Ameriprise Circle of Success recipient, 2005 – 2010• An Ameriprise Platinum Financial Services® practice

Carlos F. Arias ranks among the top fi nancial advisors at Ameriprise Financial, a fi rm founded in 1894. Discipline, leadership skills and a strong knowledge of fi nancial 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 07016Office: (908) 926-2960 • Cell: (908) 553-4035

[email protected] • 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.

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Burklow, Rotella & AssociatesPlan for Confi dent Retirement, a Future on Your Own Terms

Areas of Focus:Wealth ManagementRetirement 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 fi nancial professionals who can help simplify your complex wealth management needs. They provide a level of experience, wisdom and service to you.

73 Newark Pompton Turnpike, Floor 2 • Riverdale, NJ 07457Office: (973) 616-8020

[email protected] • matthewrotella.com • [email protected] • 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.

Left to right: Managing Directors Matthew Rotella and Timothy Burklow

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Condor Capital Management TeamHigh-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 benefi tting from a personal feel. Give us a call today.

1973 Washington Valley Road • Martinsville, NJ 08836Office: (732) 356-7323

[email protected] • www.condorcapital.com

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John M. Egan

Experience • Integrity • Superior Service

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 fi nancial 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 offi ces.

21 Green Village Road • Madison, NJ 07940 | 2150 Highway 35, Suite 250 • Sea Girt, NJ 08750Toll-free: (800) 919-5010 • Fax: (973) 377-7080

[email protected] • 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.

• Comprehensive fi nancial planning solutions

• Independent, objective advice coupled with unbiased investment research

• Committed to serving our clients’ needs

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Financial Principles, LLCFocused 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. Bo� ord, CLU®, ChFC®, CFP®, Managing Partner

• Consultative fi nancial 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 fi nancial 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 confi dence and retire with fi nancial independence. Our clients are successful small-business owners, retirees, widows, executives, entrepreneurs

and the affl uent, primarily in the northern New Jersey/greater NYC metropolitan area. Our advisors also specialize in late-stage college planning and preparing school administrators for their ideal retirement. We would be happy to explore whether or not we would be the right fi rm to add value to your unique fi nancial situation. Please contact us today to schedule a discovery meeting.

310 Passaic Avenue, Suite 203 • Fairfield, NJ 07004NYC Office: Ladenburg Thalmann • 520 Madison Avenue, 9th Floor • New York, NY 10022

Office: (973) 582-1000 • Toll-free: (866) 401-K529www.FinancialPrinciples.com • [email protected]

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.

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Gitterman & Associates Wealth Management TeamThe “Educator’s Educator” for a Quarter Century

Investment Management and Financial Planning Services Delivered by Dedicated Professionals

Left to right: Je� rey 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 fi nancial 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 fi rm has also been featured in Affl uent magazine, London Glossy magazine, Financial Advisor magazine, Medical Economics magazine, Dental Products magazine, Exceptional People magazine and CNN.

Our mission is to help our clients create and preserve wealth through a consultative process, designed to make the most appropriate recommendations based on individual needs,

goals and risk tolerance. We have a successful history of building long-term relationships based on integrity and trust.

Our fi rm 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-diversifi ed, risk-controlled portfolio that is appropriate for their specifi c concerns and objectives. We understand that risk and reward are directly related. Our experience shows that a well-diversifi ed portfolio utilizing traditional and alternative investments can reduce risk without sacrifi cing the expectation of reward.

70 Wood Avenue South, 3rd Floor • Iselin, NJ 08830 | 7763 Glades Road • Boca Raton, FL 33434Iselin: (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.

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Hallmark Capital Management, Inc.Managing Investment Portfolios for Institutions and Individuals

Left to right: Seated: Three-year winner Steve Erikson, Chief Executive Offi cer, CFP®, CDFA™;two-year winner Peter Hagerman; Standing: Steven Tussi; Thomas Moore, Chief Investment Offi cer, CFA®;

Carol Vanderpoel; Cynthia Bechmann; Je� rey Bra� ; 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 fi nancial goals by providing objective investment management and fi nancial planning services.

We remain committed to maintaining the highest degree of professionalism and integrity, while using our best judgment

and wisdom on behalf of our clients, as we have for more than 25 years.

Hallmark Capital Management, Inc. has a fi duciary duty of care, loyalty, honesty and good faith to always place the best interests of our clients ahead of our own.

1195 Hamburg Turnpike • Wayne, NJ 07470Office: (973) 808-4144

[email protected] • hallcapmgt.com

Hallmark Capital Management, Inc. is a registered investment adviser.

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Heller Wealth AdvisorsYour 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 fi nancial planning and investment management fi rm committed to helping our clients at all stages in life to protect, grow and transfer their assets in an advantageous and tax-effi cient manner. Our comprehensive approach to wealth management

integrates our clients’ personal and business goals into one synergistic plan, which is continually reviewed, updated and refi ned. 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 07068Phone: (973) 287-5432 • Fax: (973) 228-8845

[email protected] • 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.

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Robert F. IbrahimNeeds-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 fi nancial 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 08844Phone: (908) 904-6113 • Fax: (908) 598-3847

[email protected] 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

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The Iola Financial GroupCreators of The Total Wealth Solution™

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 fi rms in the U.S.

We know that successful people are bombarded with an avalanche of fi nancial planning information from print, TV, radio and the Internet. In addition, they often have multiple advisors handling diff erent 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 fi rst 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 eff ectively 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 07054Phone: (973) 285-3633

[email protected] • 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.

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Kingsbridge Financial GroupHelping 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 fi nancial planning• Estate transfer and business continuation strategies• Employee benefi ts: 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 07003Office: (973) 771-0886

[email protected] • 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).

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The Kreshpane Group at Morgan StanleyExperience. Integrity. Strategies.

Areas of Focus: Financial and Retirement Planning, Estate and Legacy Planning, Investment Management, Insurance Services

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

• 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 nonprofi t organizations in achieving their fi nancial 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 fi nancial services industry. Our clients can leverage the full platform of Morgan Stanley to help realize their long-term fi nancial 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 07450Direct: (201) 670-3423 • Toll-free: (800) 927-0237

[email protected] • 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.

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Andrew J. LeichtPersonal 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, Offi ce Manager

• Comprehensive approach to fi nancial 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 off ering 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 sacrifi cing the needs of today.

The complexity of the current fi nancial marketplace makes it more important than ever to have a balanced approach to investing, guided by professional counsel and experience.

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 fi nancial advisor with Ameriprise, he and his team of dedicated professionals have helped their busy and successful clients navigate fi nancial markets, develop tax and estate planning strategies, and make fi nancial decisions through personal attention and a comprehensive approach to fi nancial planning.

900 Lanidex Plaza, Suite 110 • Parsippany, NJ 07054Office: (973) 599-0200 • Fax: (973) 599-0525

[email protected] • 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.

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MACRO Consulting Group“Fifteen-Star” Offi ce — 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 affl uent 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 fi nancial planning fi rms. With an extensive knowledge of the needs of the mature investor and our concentration on long-term investment strategies, our clients can be confi dent 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 07054Phone: (973) 451-9400 • Fax: (973) 451-9401

[email protected] • 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 o� ered through LPL Financial, Member FINRA, SIPC. MACRO Consulting Group, LLC and LPL Financial are separate and unrelated companies. Advisory Services o� ered 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.

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Mark Scordato & AssociatesWe Provide a Personalized, Problem-Solving Approach to Successful Retirement Planning

Areas of Focus: Retirement Income Planning

Left to right: Amanda Justino, Donna Dupre, JoAnne Stantonand three-year winner Mark Scordato, Registered Investment Advisor

• We are an independent fi rm off ering innovative strategies for changing times• Our focus is building relationships through loyalty and commitment to our clients• We spend considerable time developing low-cost, eff ective retirement income portfolios

I saw the need to fi ll a tremendous void in the market place. I wanted a practice where the retirement income planning need of the individual would come fi rst rather than the hidden agendas of some of the large Wall Street fi rms. 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 fi nancial 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 fi nd that, after working with me, they have moved signifi cantly forward in their planning, simplifying their fi nances and obtaining more peace of mind about their fi nancial 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 07054Office: (888) 331-4540

[email protected] • 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.

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Robert J. MuhleisenHelping 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 fi nancial objectives. His mission is to make sure his clients have the breadth and depth of service needed without sacrifi cing the personal attention they deserve.

Wells Fargo Advisors, LLC brings vast resources to the

table which enables Robert to off er 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 off er my clients is the confi dence of knowing someone they trust, who is knowledgeable and experienced, is watching over their investments and helping them achieve fi nancial success.”

51 John F. Kennedy Parkway, 4th Floor • Short Hills, NJ 07078Toll-free: (800) 225-0174 • Direct: (973) 921-6120

[email protected] • 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].

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Saline Financial SolutionsStrengthening Financial Independence One Relationship at a Time

Investment Management, Financial and Retirement Planning

Left to right: Two-year winner James Stahl, CFP®, ChFC®; Je� rey Saline, Eli Saline

• Extensive knowledge and deep expertise in comprehensive fi nancial planning• Objective investment management solutions tailored to each circumstance• Committed to a high-level client service experience

With more than 75 years of combined fi nancial industry experience, Saline Financial Solutions (SFS) operates as an ensemble style fi rm that gives clients the comfort of knowing that they have a team working on their behalf. SFS has extensive resources in all areas of fi nancial planning and

investment advisory services. We pay particular attention to educating our clients on all aspects of fi nancial matters that will impact their lives. SFS partners with our clients to help them navigate the ever-increasing challenges of fi nancial and retirement planning.

817 Berlin Road • Cherry Hill, NJ 08034 | 2001 Route 46 • Parsippany, NJ 07054Toll-free: (888) Saline4 • Office: (856) 795-8000

www.SalineFinancialSolutions.com • [email protected]

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.

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Michelle Schonberg

Designing Comfortable Retirements

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 specifi c 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 fi nancial blind spots?

The clients that benefi t most from this approach are individuals and couples near or in retirement as well as women seeking to gain control of their fi nancial lives.

1200 Mount Kemble Avenue • Morristown, NJ 07962Office: (973) 425-2342

[email protected] • 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.


• Comprehensive wealth management

• Custom retirement solutions

• Exceptional service

Wealth Management, Retirement Income Solutions© Fi

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Spizzo • Komninos • Vicente • Graf • Bifulco • Nigro • Friedman

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 fi nancial, investment and protection planning approach• Simplifying the fi nancial 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 fi nancial needs. As Financial Advisors we look

at your entire fi nancial 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 07663Office: (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.

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Sterling Financial GroupHelping 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 fi nancial 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 eff ectively adjust to things outside your control. Sterling’s principals have an average tenure of almost 30 years each of fi nancial planning experience. Our primary responsibility is to serve our clients’ interests fi rst.

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 fi rst 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 07871Office: (973) 729-1234 • Fax: (973) 729-8079

[email protected] • 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.

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Daniel Batista

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

Offi ce: (973) 921-2402

[email protected]

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 affi liates of Citigroup. Not all products and services are provided by all affi liates 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 affi liated companies under the common control of Citigroup. Accounts carried by Pershing LLC, member FINRA, NYSE, SIPC. CGMI and Citibank, N.A. are affi liated 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 affi liates.© 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

• 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 identifi es 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 AvenueMorristown, NJ 07962

Phone: (973) 425-2306

[email protected]/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.


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The GAM Group at Morgan Stanley

Personalized Advice, Finest Financial Thinking, We Care

• Understanding your goals and dreams

• Create fi nancial 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 Litch� eld, Sr. Registered Client Service Associate

Five Star Wealth Manager John B. Araneo and The GAM Group can help you defi ne 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

[email protected]/thegreenstonearaneogroup


The Goldberg Group at Morgan Stanley

Investing to Achieve Your Dreams

• Comprehensive fi nancial planning and wealth management

• 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™ certifi cation; 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 fi nancial needs. We are fi rmly 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 off er an insightful perspective into our clients’ fi nancial lives. Working together, we will tailor our recommendations to help you achieve your fi nancial goals.

150 J.F. Kennedy Parkway, 4th Floor Short Hills, NJ 07078

Direct: (973) 912-7744 • Toll-free: (800) 526-4931

[email protected] www.morganstanleyfa.com/goldberg


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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 fi rm 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 fi nancial practice is dedicated to helping clients achieve long-term fi nancial 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

Offi ce: (856) 817-6168 Toll-free: (877) 843-4710

[email protected] 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

• Defi ning 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 confi dent 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 eff ect 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 specifi c fi nancial goals and objectives and allow them to focus on their loved ones.

190 River RoadSummit, NJ 07901

Offi ce: (908) 598-3872

[email protected]/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

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William E. Ryan, Jr.

Personal, ProfessionalService 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 fi nancial 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 fi nancial goals. Our success is not measured by performance statistics, but rather by our clients’ success in achieving their goals.

490 Schooleys Mountain Road, Suite 9Hackettstown, NJ 07840

Offi ce: (908) 684-1216

[email protected]

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 [email protected]

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.

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Smallwood Capital Management Team

Strategies to Help Growand 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

Securities Registrations and Insurance Licensed:JLS: Series 7, 31, 63, 65; JPS: Series 7, 24, 31, 63, 65;EEB: Series 7, 66

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 off er 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 fi nancial 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.

1161 Broad Street, Suite 312Shrewsbury, NJ 07702

Toll-free: (800) 797-1000 • Phone: (732) 542-1565

[email protected]

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 fi rm experienced in all areas of wealth management

• Personalized level of service for executives, professionals and entrepreneurs

• Retirement plans that are individualized for each client

Financial/Retirement Planning, Investment ManagementThree-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 fi rms. 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 fi nancial professional. Andrew is trustworthy and dependable, giving his clients the assurance to pursue their dreams with the confi dence of knowing that they have planned for their fi nancial future.

1124 Route 202, Suite A-3Raritan, NJ 08869

Offi ce: (908) 203-8811

[email protected]

Securities and Advisory Services Offered Through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser.

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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 fi nancial consulting fi rm, we are free to provide guidance to our clients without the confl ict of interest created by proprietary products or sales quotas. We strive to develop a simple and tax-effi cient 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 fi nancial 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

[email protected] www.aptam.com

Securities and advisory services offered through Commonwealth Financial Network. Member FINRA, SIPC, a Registered Investment Adviser.

Wealth Preservation Solutions, LLC

Helping Families Accumulate and Preserve Wealth

• Comprehensive fi nancial 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 signifi cant time fact-fi nding 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

[email protected] 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.

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Andrew A. Arons

One University Plz., Ste. 401Hackensack, NJ 07601Phone: (201) [email protected]

• Personalized, independent and objective advice• Tax-advantaged investment and retirement planning• Investment portfolios managed to build and preserve wealth

Area of Focus: Comprehensive wealth management with emphasis

on creating reliable lifetime income in retirement

A well-known fi nancial 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 fi nancial well-being requires customized counseling with an integrated, collaborative approach. Built on the premise of educating and informing clients, Synergy delivers uncompromising personal service.

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.

M a n a g e m e n t G r o u p

Andrew W. Barrow

400 Campus Dr. Florham Park, NJ 07932 Offi ce: (973) 660-4156 [email protected] www.morganstanleyfa.com/cerasia_barrow

• Comprehensive fi nancial planning-based process • Investment, insurance and lending recommendations • Client-service focused

Associate Vice President – Wealth Management, Financial Advisor

CERTIFIED FINANCIAL PLANNER™

The Cerasia-Barrow Group at Morgan Stanley

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 fi rm, The Cerasia-Barrow Group seeks to deliver the type of relationship and overall experience you likely have never encountered at any other fi rm.

© 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.

Paul Brehne

Overlook at Great Notch 150 Clove Rd. Little Falls, NJ 07424 Offi ce: (973) 890-3016 [email protected] www.morganstanleyfa.com/paul.brehne

• Tactical retirement income plan solutions • Prudent wealth accumulation and protection • Build deep multigenerational relationships

Titles: Wealth Advisor, First Vice President

Credential: CRPC ®

Multigenerational Wealth Management

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 affi liates 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.

Timothy J. Brunnock, Esq.

65 Madison Ave., Ste. 400 Morristown, NJ 07960 Direct: (973) 867-1355 [email protected] www.privateadvisorgroup.com

• Helping successful people answer two questions :• 1 – Will I make it in retirement? • 2 – Do I have any fi nancial blind spots?

Juris Doctor

Financial Planning Attorney

Wealth by Design — Not by Default

Today, people are terrifi ed 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 o� ered through LPL Financial, member FINRA/SIPC. Investment advice o� ered through Private Advisor Group, a registered investment advisor and separate entity from LPL Financial.

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Jason Chambeau

1200 Mt. Kemble Ave.Morristown, NJ 07962Offi ce: (973) [email protected]

• Dedication to clients’ interests• Focusing on fi xed-income portfolio construction• Commitment to service excellence

First Vice President, Financial Advisor

Five Star Wealth Manager in 2011, 2012 and 2013

Timely, Informed and Objective Guidance

Providing personalized wealth management services to high-net-worth 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 � nancial advisor. The appropriateness of a particular investment will depend upon an investor’s individual circumstances and objectives.

Elliott S. Collins

Aljen Asset Management LLC 1140 Parsippany Blvd., Ste. 103 Parsippany, NJ 07054

Phone: (973) 316-1212

[email protected]

• Defi ned contribution and plan administration • Retirement and fi nancial planning • Investment management

CERTIFIED FINANCIAL PLANNER™

We Work Hard to Earn Your Trust

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 defi ned contribution plans. Aljen, an independent RIA, works with individual clients in constructing their fi nancial plans and implementing their retirement and investment needs. We have built our fi rm through personal, professional service.

James C. Denton

DFS Advisors 151 W Washington Ave., Ste. 201 Washington, NJ 07882

Phone: (908) 689-0500 Toll-free: (877) 523-3686

[email protected] www.dfs-advisors.com

• Comprehensive fi nancial advisory services • Personal, individual service • Experienced, dedicated, professional

Title: Managing Principal

Credentials: CFP®, CLU®, ChFC®, EA

Personal Service When You Need It

DFS Advisors is a boutique fi nancial services fi rm founded in 1992 and serving the unique needs of high-net-worth clientele across the country. Financial professionals affi liated with DFS Advisors provide fi nancial planning, investment advisory* and life insurance services, and income-tax planning and preparation** services. We take a holistic approach to fi nancial planning, seeking to integrate each aspect of your family fi nancial situation into a cohesive whole. *Securities and Investment Advisory Services provided through NFP Securities, Inc., Member FINRA/SIPC. DFS

Advisors is not affi liated 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.

Carl D. Hanks

150 JFK Pkwy., 2nd Fl. Short Hills, NJ 07078 Phone: (973) 467-6388 Toll-free: (866) 601-6837 [email protected] www.morganstanley.com/fa/carl.hanks

• Retirement and income solutions • Global portfolio structure and management • Trust, estate and insurance solutions

First Vice President, Sr. Financial Advisor

Chartered Retirement Planning CounselorSM

Attention to Detail Leads to Success

Carl has been in the fi nancial services industry since 1991 and has extensive experience working with corporate executives, business owners, individuals and affl uent families using a disciplined and comprehensive approach to their unique fi nancial situations. His team has an unparalleled focus on the needs and details of each client and their specifi c wealth-management objectives, including ongoing analysis and guidance to keep them on the road to fi nancial success.


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Joseph S. Myers

14 E Main St. Marlton, NJ 08053 Offi ce: (856) 988-1123Cell: (856) 745-6671 [email protected] myersandcompanymba.com

• Cash-fl ow-based wealth manager • Individual customized portfolios • 30 years of investment experience

Titles: Financial Advisor and Branch Manager, RJFS

MBA, Finance; Columbia University Graduate School of Business, NYC

Planning, Preparation, Partnership

Successful investing involves four key steps: analyze, allocate, adjust and assess.As an independent fi nancial advisor, my mission is to provide trustworthy advice, quality investment alternatives and personalized service to help clients obtain their fi nancial objectives. Let’s put that mission to work for you.

Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC.

Jack D. Oujo

1540 Hwy. 138, Ste. 106Wall, NJ 07719Offi ce: (732) [email protected]

• 10 wealth management strategies• Committed to proactive communication• Ongoing client education

Credentials: CPA/PFS, CFP®, CSA, M.S. (Taxation)

Full-Service Wealth Management

We believe in service beyond expectation, achieved through a constant desire to anticipate and fulfi ll 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.

Ralph Rosenbaum

Rosenbaum Financial Services 196 Main St. Matawan, NJ 07747

Offi ce: (732) 441-1818

[email protected] www.taxcpa2.com

• Advisory services tailored to your goals • Minimize taxes, maximize savings • Prepare for tomorrow, today

Credentials: CPA, MBA, Senior Vice President

As a CPA, I Add Value

Every change in your life results in the need to review your goals and strategies. Whatever your fi nancial 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 fi nancial 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.

Edward M. Skarbnik

200 Campus Dr., Ste. 220 Florham Park, NJ 07932 Direct: (973) 301-8376 Toll-free: (800) 824-4120 [email protected]

www.wfadvisors.com/edward.m.skarbnik

• Proactive team approach • Creative, holistic thinking • Personal and customized strategies

First Vice President – Investments

Unparalleled Client Commitment

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 eff ective due-diligence process in helping resolve any fi nancial 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].

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Robert M. Sorge

325 Columbia Tpk., Ste. 106Florham Park, NJ 07932Offi ce: (973) 845-2460Direct: (973) 845-2460, Ext. [email protected]

• Individual and corporate retirement plans • Complete retirement income planning • Investment portfolio management

Titles: Founder, Managing Partner

Credentials: MBA, CRPC®, AIF®

Experience. Full Transparency. Trust.

Robert has more than 24 years’ experience in fi nancial services. His fi rm provides comprehensive fi nancial planning with a specialty in retirement income planning. As an AIF®, Robert provides investment guidance helping protect retirement plan trustees from potential fi duciary liabilities.

Securities and Financial Planning offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC.

Scott E. Tonnesen

One Pluckemin WayBedminster, NJ 07921Direct: (908) 306-8044scott.e.tonnesen@morganstanley.comwww.morganstanleyfa.com/scott.e.tonnesen

• Building relationships lasting generations • Committed to exceptional wealth management• Provide strategies that seek to produce income

Senior Vice President, Financial Advisor, CFP®

Five Star Wealth Manager in 2011, 2012 and 2013

Plan for Tomorrow While Living Today

Scott is committed to providing ethical and sound fi nancial 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 fi nancial 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.

“Wishful thinking is not planning. If you plan for the worst, you will never be unpleasantly surprised.”— Five Star award winner

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Man

agers


25 Roosevelt Blvd.Marmora, NJ 08223 Toll-free: (866) 398-7900Phone: (609) 390-4470 [email protected] Title: Vice President

Carl C. Crowley

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.

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2001 Rte. 46 E, Ste. 511 Parsippany, NJ 07054 Toll-free: (800) 467-8152 Office : (973) 917-4556 [email protected] www.ronaldgelok.com President, Financial Consultant

Ronald A. Gelok, Jr.

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 o� ering securities through GF Investment Services, LLC, Member FINRA/SIPC. Ronald A.

Gelok, Jr. is an Investment Adviser Representative o� ering advisory services through Global Financial Private Capital, LLC, an SEC-Registered Investment

Advisor, 2080 Ringling Boulevard, Sarasota, FL 34237.

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139 W End Ave. Somerville, NJ 08876 Office: (908) 566-1997 Cell: (973) 714-3508 [email protected] Wealth Management Advisor

James Herbert Hunt IV

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.

550 W Main St. Boonton, NJ 07005 Phone: (973) 317-2831 Toll-free: (866) 727-9818 [email protected] firstalliednj.com Title: Certified Wealth Strategist

Brad Katz

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 o� ered through First Allied Securities, Inc., A Registered Broker/Dealer, Member FINRA/SIPC. Advisory services o� ered through

First Allied Advisory Services, Inc., A Registered Investment Adviser.

Law Offices ofJohn W. Callinan 2052 Hwy. 35, Ste. 103 Wall, NJ 07719 Phone: (732) 974-8898 [email protected] www.ElderCareLawyer.com Elder Law, Certified Elder Law Attorney*

John W. Callinan

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 certi� ed by the National Elder Law Foundation, approved by the American Bar Association.

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Enhanced Dividend Capture Partners, LLC 349 Franklin Ave., Ste. 206 Nutley, NJ 07110 Office: (973) 447-2527 www.enhanceddividend.com President

Philip J. Kiernan, Jr.

We are independently owned and create internally managed portfolios for affluent famil ies, business owners, corporate executives and retirees. These customized financial strategies can be tailored for var ious market condit ions. We have extensive experience working with the CPA community. Securities O� ered Through Cantella & Co., Inc. Member FINRA/SIPC.

989 Lenox Dr., 2nd Fl. Lawrenceville, NJ 08648 Direct: (609) 895-8623 Toll-free: (888) 219-2538 [email protected] Senior Vice President – Investments

Joseph F. Lagowski

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 re� ective 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].

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960 Holmdel Rd. Holmdel, NJ 07733 Direct: (732) 837-9070 Cell: (732) 221-8189 [email protected] luongowealthmanagement.com Wealth Advisor, CLU®, ChFC ®

James M. Luongo

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 o� ered through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC.

Mendham Capital Management 27 E Main St. Mendham, NJ 07945 Office: (973) 543-6676 Cell: (908) 346-6525 [email protected] www.alslynn.com Owner – MCM, Financial Consultant, Registered Principal , AAMS®

Allan S. Lynn

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 o� ered through Raymond James Financial Services, Inc.

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989 Lenox Dr. Lawrenceville, NJ 08648 Office: (609) 896-4606 Toll-free: (888) 219-2538 [email protected] Vice President – Investment Officer, CRPC®

James F. McDavitt

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.

Advisor selection is not re� ective 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].

95 S Rte. 17Paramus, NJ 07652Phone: (201) [email protected]/robert.mosera

Financial Advisor, First Vice President – Investments

Robert Mosera

As a financial advisor, I pride myself on helping clients realize their financial goals .

Advisor selection is not re� ective 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. [CAR 1012-02105].


NOT FDIC-Insured NO Bank Guarantee MAY Lose ValueWells Fargo Advisors, LLC, Member SIPC, is a registered broker-dealer and a

separate non-bank affi liate of Wells Fargo & Company.

5 Cold Hill Rd., Bldg. 20, Ste. FMendham, NJ 07945Phone: (973) 543-3335gabor.nagy@mendhamwealth.comwww.mendhamwealth.comPrincipal, CFP®, CLU®, ChFC®

Gabor Nagy

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 o� ered through Park Avenue Securities, LLC (PAS), 300 Broadacres Dr., Ste. 175 Bloomfi eld, NJ

07003, (973) 246-1800. PAS is a registered investment advisor and broker/dealer. Mendham Wealth Partners, LLC is not an affi liate or

subsidiary of PAS or Guardian. PAS is a member FINRA, SIPC.

25 Independence Blvd. Warren, NJ 07059 Direct: (908) 821-9759 [email protected] www.aepg.com Executive Vice President

Peter A. Needham

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 small-business clients.

600 E Crescent Ave. Upper Saddle River, NJ 07458 Phone: (201) 291-9000 [email protected] www.randyneumann.com President, CFP®

Randy Neumann

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.

Securities and Asset Management Services o� ered through LPL Financial, Member FINRA/SIPC.

210 Malapardis Rd. Cedar Knolls, NJ 07927 Phone: (973) 966-1274 Toll-free: (888) 803-9090 [email protected] www.dennisoconnor.wfadv.com Senior Financial Advisor

Dennis O'Connor

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.

Advisor selection is not re� ective 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 Financial Network, LLC, Member SIPC. [CAR 1112-01330 1/13].

1030 Broad St. Shrewsbury, NJ 07702 Direct: (732) [email protected] www.morganstanleyfa.com/pizzella Senior Portfolio Manager, Financial Advisor

Lisa Pizzella

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 long-term goals and assist you in developing and executing a strategy that is precisely your own.


160 Mt. BethelWarren, NJ 07059 Phone: (800) [email protected] Vice President – Investments

Lisa Roll

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, is a registered broker-dealer and

separate affi liate of Wells Fargo & Company. [CAR 1112-01324].

989 Lenox Dr. Lawrenceville, NJ 08648 Phone: (609) 895-8619 Toll-free: (888) 219-2538 [email protected] Advisor

Charles J. Quatrocchi

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.


information on the scope of the award and the Five Star selection process. Wells Fargo Advisors, LLC, Member SIPC. [CAR 1112-02527].

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20 Linden Pl. Red Bank, NJ 07701 Phone: (732) 936-3300 [email protected] Senior Vice President, Financial Advisor

Randall Rosenberg

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.


10 Madison Ave., First Fl. Morristown, NJ 07962 Direct: (973) 993-4980 [email protected] Senior Vice President - Wealth Management, Financial Advisor

Frederick A. Schiller

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.


851 Franklin Lake Rd., Ste. 34Franklin Lakes, NJ 07417Office: (201) 891-1130taylorfinancialgroup.comWealth Manager, CPA/PFS

Debra Taylor, Esq.

With more than 20 years of experience, Taylor Financial Group delivers superb wealth management services to affluent clients. Securities o� ered through LPL Financial, Member FINRA/SIPC. Investment

advice o� ered 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 � nal list of 2013 Five Star Wealth Managers.

802 W Park Ave., Bldg. 3, Ste. 301Ocean, NJ 07712Office: (732) [email protected], CFP®, CMFC®

David J. Vargo

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 o� ered through LPL Financial, Member FINRA/SIPC. Financial Planning o� ered through Varbeco Wealth Management, a

Registered Investment Advisor, and separate entity from LPL Financial.

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1105 Laurel Oak Rd. Voorhees, NJ 08043 Phone: (856) 741-8000, Ext. 350 [email protected] Ameriprise.com Financial AdvisorCFP®, ChFC®, CLU®

Steven Vitanza

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 � nancial professional as working with a � nancial advisor is not a

guarantee of future � nancial success. Ameriprise Financial Services, Inc., Member FINRA and SIPC.

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2150 Hwy. 35, Ste. 200 Sea Girt, NJ 08750 Office: (732) 974-5021 Toll-free: (800) 965-9217 [email protected] www.morganstanleyfa.com/charleswatson

Financial Advisor

Charles Watson

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.


Weber Wealth Management, LLC 47 Morse St. Cranford, NJ 07016 Office: (908) 377-0200 [email protected] www.wwmllc.com Wealth Manager

John W. Weber, Jr.

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 o� ered through NFP Securities, Inc. Member FINRA/SIPC. NFP Securities, Inc. is

not affi liated with Weber Wealth Management, LLC .

400 Campus Dr. Florham Park, NJ 07932 Direct: (973) 410-3042 Toll-free: (800) 526-9075 [email protected]

Associate Vice President – Wealth Management, Financial Advisor

Matthew R. Zhilitsky

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.


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

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2013 new jersey five star wealth managers · · 2013-01-142013 five star wealth managers ......

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