2015 new jersey five star wealth managers · were named 2015 five star wealth managers. disclosures...

N E W J E R S E Y M O N T H LY January 2015 FS-1

SPECIAL ADVERT IS ING SECT ION

www.fivestarprofessional.com FS 1

Finding a wealth manager who suits your needs can be a daunting task. In fact, many consumers have a hard time figuring out where to even begin.

Sometimes, a few simple questions can set one off on the right path. Asking a wealth manager what makes working with him or her a unique experience can help you

understand how they work and if their style meshes with your own. Further, asking a financial advisor to talk about any specialties they might have can help uncover skills you might find useful.

Ultimately, how do you find an experienced wealth manager who you feel comfortable working with? One who has high retention rates? One who has undergone a thorough complaint and regulatory review? One who has tenure in the industry?

New Jersey Monthly and Five Star Professional partnered to find wealth managers who satisfy 10 objective eligibility and evaluation criteria. Among many distinguishing attributes, the average one-year client retention rate for this years award winners is more than 96 percent. 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 years list.

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.

AWARDA Select

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 managers 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, 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.

5,063 award candidates in the New Jersey area were considered for the Five Star Wealth Manager award. 672 (approximately 14 percent of the award candidates) were named 2015 Five Star Wealth Managers.

DISCLOSURESResearch

OF AWARD WINNERSDetermination

Regulatory ReviewAs 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 Professionals 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.

Five Star Wealth Managers

Evaluation Criteria - Considered

6. One-year client retention rate.

7. Five-year client retention rate.

8. Non-institutional discretionary and/or non-discretionary client assets administered.

9. Number of client households served.

10. Education and professional designations.

Eligibility Criteria Required

1. Credentialed as an investment advisory representative or a registered investment advisor.

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. Fulfilled their firm review based on internal firm standards.

5. Accepting new clients.

Award candidates who satisfied 10 objective eligibility and evaluation criteria were named 2015 Five Star Wealth Managers.

2015 New Jersey

For more information on the program, go to www.fivestarprofessional.com/wm_program.

The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Active as a credentialed professional in the financial services industry for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not: A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three customer complaints filed against them [settled or pending] with any regulatory authority or Five Star Professionals consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professionals consumer complaint process; C. Individually contributed to a financial settlement of a customer complaint filed with a regulatory authority; D. Filed for personal bankruptcy; E. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients; 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do not pay a fee to be considered or awarded. Once awarded, wealth managers may purchase additional profile ad space or promotional products. The award methodology does not evaluate the quality of services provided and is not indicative of the winners future performance. 5,063 New Jersey wealth managers were considered for the award; 672 (14 percent of candidates) were named Five Star Wealth Managers.

SPECIAL ADVERT IS ING SECT ION Five Star Wealth Manager

FS-2 January 2015 N J M O N T H LY. C O M

Left to right: Four-year winner Diana Armstrong; Philip Armstrong, Relationship Manager; three-year winner David Armstrong

Our Family Working Together for You

With more than 65 years of combined fi nancial 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 fi nancial 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 refl ects 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 to Diana on being a four-year Five Star recipient and David on being a three-year recipient.

2012 2015 winner Diana Armstrong,CFP, Senior Vice President,

Financial Advisor

2013 2015 winner David Armstrong,CFP, Associate Vice President,

Financial Advisor

200 Route 31, Suite 205 | Flemington, NJ 08822Office: 908-483-9525 | Toll-free: 866-252-0740

[email protected] | www.morganstanleyfa.com/armstrong 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.

The investments listed may not be suitable for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, and encourages investors to seek the advice of a financial advisor. The appropriateness of a particular investment will depend upon an investors individual circumstances and objectives. *Diana 32 years, David 18 years, Philip 15 years.

Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates. 2015 Morgan Stanley Smith Barney LLC. Member SIPC.

Retirement planning

Generational strategies to help accumulate, preserve and transfer wealth

Customized income and investment strategies

Annuity reviews

The Armstrong Group at Morgan Stanley

Areas of Focus: Comprehensive Wealth Management Services, Options, Alternative Investments


FOUR-YEAR WINNER THREE-YEAR WINNER




Left to right: Four-year winner Diana Armstrong; Philip Armstrong, Relationship Manager; three-year winner David Armstrong


With more than 65 years of combined fi nancial 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 fi nancial 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 refl ects 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 to Diana on being a four-year Five Star recipient and David on being a three-year recipient.

2012 2015 winner Diana Armstrong,CFP, Senior Vice President,

Financial Advisor

2013 2015 winner David Armstrong,CFP, Associate Vice President,

Financial Advisor

200 Route 31, Suite 205 | Flemington, NJ 08822Office: 908-483-9525 | Toll-free: 866-252-0740

[email protected] | www.morganstanleyfa.com/armstrong 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.

The investments listed may not be suitable for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, and encourages investors to seek the advice of a financial advisor. The appropriateness of a particular investment will depend upon an investors individual circumstances and objectives. *Diana 32 years, David 18 years, Philip 15 years.

Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates. 2015 Morgan Stanley Smith Barney LLC. Member SIPC.

Retirement planning

Generational strategies to help accumulate, preserve and transfer wealth

Customized income and investment strategies

Annuity reviews

The Armstrong Group at Morgan Stanley

Areas of Focus: Comprehensive Wealth Management Services, Options, Alternative Investments


FOUR-YEAR WINNER THREE-YEAR WINNER




Left to right: Bottom row: Christine L. Ostapiak; Linda M. Loiacono, CFP; four-year winner Nicholas A. Pascarella, CPA-PFS, CFP; Eric J. Pascarella, CPA;Middle row: Alice C. Baboushkin, CFP; Melissa A. Pestritto; Marta Pascarella; Mary C. Pascarella, CFP; Wendy A. Wendt;

Top row: Melissa A. Petracca; Victoria Piotrowski; Chelsea Plifka, CFP

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

Celebrating 25 Years of Excellence

We Listen, We Act, We Care

We listen: We begin by listening to our clients. We learn about their concerns, challenges and priorities. You cannot eff ectively advise clients if you do not understand what is important to them.

We act: We analyze the unique situation of each client. We then create, implement and monitor strategies and solutions that address the priorities and goals of our clients and their families.

We care: We strive to provide extraordinary service that consistently exceeds expectations. We are committed to making a meaningful diff erence in the life of each client.

We recognize your unique challenges and the dynamic economic environment that demands attention to your investments.

Contact us to learn why our clients consider us crucial to their fi nancial planning and learn how we can help you pursue fi nancial independence.

50 Parsippany Road, Suite 301 | Parsippany, NJ 07054 Office: 973-428-3400

www.npcofinancial.com Securities and Advisory Services offered through Cetera Advisors, member FINRA/SIPC. Nicholas Pascarella & Co. is independent of Cetera Advsors.

Listing in this publication is not a guarantee of future performance or success.

Named by Barrons as Top 1,200 Wealth Advisors for 2009, 2010, 2011, 2012, 2013 and 2014

Committed to personalized wealth management and fi nancial planning for more than 25 years

Dedicated to building enduring, trusted relationships through exceptional service

Nicholas Pascarella & Co.

FOUR-YEAR WINNER




Left to right: Seated: Carol Vanderpoel, RP; three-year winner Peter Hagerman;four-year winner Steve Erikson, Chief Executive Offi cer, CFP, CDFA; Cynthia Bechmann

Standing: Jeff rey Braff ; 2015 winner George Kress, CFA; Steven Tussi; Thomas Moore, Chief Investment Offi cer, CFA

Managing Investment Portfolios for Institutions and Individuals

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

Comprehensive team approach

Highly-customized portfolio management

Disciplined and transparent process

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

Hallmark Capital Management, Inc.

FOUR-YEAR WINNER




Four-year winner John M. Egan, CERTIFIED FINANCIAL PLANNER practitioner

Experience Integrity Superior Service

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 toward 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

Comprehensive fi nancial planning solutions

Independent, objective advice coupled with unbiased investment research

Committed to serving our clients needs

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.

John M. EganCERTIFIED FINANCIAL PLANNER practitioner

FOUR-YEAR WINNER




Left to right: Front row: Jennifer Hopkins, Portfolio Associate; Irene Warner, Portfolio AssociateBack row: 2013 2015 winner Stan Alpert, Senior Vice President, Financial Advisor, Portfolio Management Director;

2014 2015 winner Gregg Kaufman, Senior Vice President, Financial Advisor, Portfolio Management Director;

A Team Approach to Your Financial Solutions

Five Star Wealth Manager Stan Alpert of the Alpert Kaufman Group believes our No. 1 goal is to protect our clients principal. Our investment decision-making involves the combination of fundamental research analysis and technical trading analysis to measure risk versus reward. We feel it is just as important to manage risk in a down market as it is to maximize return in an up market. Our

portfolio management discretionary trading platform attempts to do just that. We work with you to create a customized portfolio to serve your fi nancial goals as well as your level of comfort and risk. 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, Second Floor | Short Hills, NJ 07078Direct: 973-467-6362 | Toll-free: 866-288-4711

[email protected] | [email protected]

85 years of combined industry experience*

Customized investing and risk management strategies

Individuals, high-net-worth investors, 401(k) and retirement plans

2015 Morgan Stanley Smith Barney LLC. Member SIPC. Morgan Stanley and its Financial Advisors do not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a retirement plan or account, and (b) regarding any potential tax, ERISA and related consequences of any investments made under such plan or account. The Portfolio Management program is an

investment advisory program in which the clients Financial Advisor invests the clients assets on a discretionary basis in a range of securities. *Stan Alpert 37 years, Gregg Kaufman 17 years, Irene Warner 12 years and Jennifer Hopkins 19 years. The individuals mentioned as the Portfolio Management Team are Financial Advisors with Morgan Stanley participating in the Morgan Stanley Portfolio Management program. The

Portfolio Management program is an investment advisory program in which the clients Financial Advisor invests the clients assets on a discretionary basis in a range of securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.

Portfolio Management Discretionary Trading Tailored to Your Goals

The Alpert Kaufman Group at Morgan Stanley

THREE-YEAR WINNER




Two-year New Jersey and 2014 Philadelphia winner John S. ODonnell, Vice President Investments, Financial Advisor

Honesty Integrity Commitment

Twenty-eight years of individual and institutional investment experience has given John the knowledge to help you, your business or your foundation through whatever investment needs that arise. With a commitment to customer service through face-to-face counseling, pride is taken in being a reliable presence in

good and tough times. Off ering calm, concise, unbiased advice and comprehensive money management in a plain-spoken, common sense, easy-to-understand manner; John welcomes the opportunity to explore together, if you and he are the optimum fi t to bring the most value to your fi nancial picture.

200 Campus Drive, Suite 220 | Florham Park, NJ 07932 Office: 973-301-8440 | Cell: 973-886-8963

[email protected]

Vast range of fi nancial experience

Wide network of collaborative professionals

Investment, retirement, estate planning strategies

Wells Fargo Advisors, LLC. Member SIPC. [CAR 1014-04046].

John S. ODonnellVice President Investments, Financial Advisor

TWO-YEAR WINNER




Left to right: Front row: 2012, 2013 and 2015 winner Dan Sopher; 2013 and 2015 winner Liz Blanchard; Back row: Bobby Sopher, Judi Diamond

Your Team for Personalized Financial Advice

At Sopher Financial Group, our goal is to help our clients achieve fi nancial security by working with them to create and establish a well-balanced investment strategy within the context of their personal goals and comfort level. We specialize in retirement planning for pre-retirees and distribution planning for those already retired.

For over 20 years, our team, led by Dan Sopher and Liz Blanchard, has worked together. We pride ourselves on the long-term relationships we have with our clients and remain highly committed to providing personalized service in a family environment.

258 Bridge Street, Building G | Metuchen, NJ 08840Phone: 732-603-0400 | Fax: 732-603-9440

www.sopherfinancial.com

Long-term relationships

Customized investment strategies for your goals

Dedicated customer service

To receive the 2015 Five Star Wealth Manager award, researched and managed by Five Star Professional, a wealth manager must meet 10 objective eligibility and evaluation criteria associated with wealth managers who provide quality services to their clients. 5,063 wealth managers in the New Jersey area were considered for the award. 672 were named 2015 Five Star Wealth Managers (14 percent of candidates). Wealth

managers do not pay a fee to be considered or placed on the final list of 2015 Five Star Wealth Managers. The Five Star award is not indicative of the wealth managers future performance. Securities and Investment Advisory Services offered through NFP Advisor Services, LLC, Member FINRA/SIPC. NFP Advisor Services, LLC is not affiliated with Sopher Financial Group.

Sopher Financial Group

Sopher Financial Group

THREE-YEAR WINNER




Left to right: David Levy; Peter Blehl; three-year winner Jordan Heller, CPA, CFA, CFP;Donald Hertling, CFP, MST; Scott Drown, CIMA, AAMS; Mark Andraos; Francesca Aloi

Your Advisor Through the Journey of Life

Heller Wealth Advisors is an independent 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 and regard each client as an individual requiring a customized strategy.

47 Maple Street, Suite 302A Summit, NJ 07901Office: 973-287-5432 Phone: 973-287-5433

[email protected] www.hellerwealth.com

We are a fee-only, SEC-registered investment advisor

Five-year annual client retention rate of 97 percent

Our team has more than 100 years of combined experience

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.

Customized Investment Management and Financial Planning Solutions

Heller Wealth Advisors

THREE-YEAR WINNER




Left to right: Robert Pollsen, Registered Investment Manager Assistant; Constance Millahn, Planning Associate; four-year winner Andrew J. Leicht, President; Barbara Heaton, Client Service Liaison; Bobbie Siemers, Planning Associate

Personal Approach to Wealth Management

We have off ered personalized wealth management services to high-net-worth individuals for more than 17 years. We recognize that the current dynamic environment presents unique challenges to investing. Our approach to investing involves extensive research, a solid foundation and a working knowledge of historical market trends. Our team approach allows our clients to utilize the skills and specialties of every employee while still benefi ting from personalized service. We take the responsibility our clients have placed in us very

seriously. We work with our clients as if they were part of our own families and aspire to build meaningful, long-term relationships based upon loyalty, integrity and outstanding client service.

Our mission is to help our clients create and preserve wealth, retire in comfort and see carefully planned wealth transfer take place, with emphasis on lessening the tax liabilities to heirs. Call today for your complimentary appointment at our Parsippany, New Jersey offi ce.

900 Lanidex Plaza | Parsippany, NJ 07054Phone: 973-599-0400

[email protected]

Comprehensive approach to fi nancial planning and sophisticated, personalized advice

Values: service, wisdom, integrity, teamwork

Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Leicht Financial Planning and Wealth Management, a registered investment advisor and separate entity from LPL Financial.

Areas of Focus: Strategies for Wealth Management, Retirement and Tax Planning

Leicht Financial Planning and Wealth Management

FOUR-YEAR WINNER




Left to right: Roberta Cifelli, Branch Administrator; 2015 winner Anthony J. Cifelli, Jr., CRPC, CRC, Managing Director

When You Demand Only the Best

We will honor our relationship with you:

When you work with Cifelli Wealth Management, you have someone who takes the time to listen and understand your specifi c needs, helps clarify your goals, and takes seriously the safety and security of your money and investments.

We will be fully invested in your success:

Cifelli Wealth Management will help you stay on track to meet your goals through intelligent fi nancial solutions, in-depth analysis of your investments and regular feedback on your progress.

We will be with you every step of the way:

Your needs and goals will change over time. Thats why Cifelli Wealth Management will be there to provide ongoing advice along with the exceptional service you deserve.

Cifelli Wealth Management embodies old school morals such as integrity, discipline, honesty and work ethic. We then apply and combine these attributes with new school technology and research to off er our clients customized, sound investment advice and fi rst-class service. In a world where broken promises and poor service have all too often become the norm, Anthony continually strives to exceed his clients expectations. At Cifelli Wealth Management, Anthony proudly seeks to transcend the client relationship.

We treat our clients like family.

225 Highway 35, Suite 105 | Red Bank, NJ 07701Phone: 732-747-9400 | Fax: 732-747-9401

[email protected] | www.CifelliWealthManagement.com

Our commitment to you

Investment products and services are offered through Wells Fargo Advisors Financial Network, LLC (WFAFN). Cifelli Wealth Management, LLC is a separate entity from WFAFN. [CAR 1014-03965].

Cifelli Wealth Management




Left to right: Daniel G. Trout; Michael A. Flower, CFP, Managing Partner; Todd A. Werling;Louis A. Tucci and four-year winner Bradley H. Boff ord, CLU, ChFC, CFP, Managing Partner

Focused on Your Financial Independence

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 and the affl uent primarily in the northern New Jersey and greater NYC metropolitan area. In 2013, we were happy to celebrate the 15-year anniversary of our fi rm. Please contact us today to schedule a discovery meeting to determine whether we can be the right fi rm to add value to your unique fi nancial situation and help assist in achieving your fi nancial independence.

310 Passaic Avenue, Suite 203 | Fairfield, NJ 07004Affiliated Office: Ladenburg Thalmann, 570 Lexington Avenue, 11th Floor | New York, NY 10022

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

Consultative fi nancial planning, professional wealth management

Independent investment and insurance services

Retirement, business and estate planning strategies

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 and Securities America Companies are not affiliated.

Areas of Focus: Wealth Management, Advanced Planning and Client Relationship Management

Financial Principles, LLC

FOUR-YEAR WINNER




Left to right: Standing: Michael C. Lombardi, CFP, Wealth Management Associate; 2013 and 2015 winner Lawrence Durso, CRPS, Executive Director, Financial Advisor; Roderick MacKenzie, Portfolio Management Associate

Seated: Matthew Sheridan, CFP, CPM, Portfolio Management Associate; Sheryl Iannuzzelli, Senior Client Service Associate;Roseann Lage, Senior Client Service Associate; Donna Betta, Senior Client Service Associate

The Durso Wealth Management Group has over 150 years of combined experience in the investment industry. Our years of experience are: 2013 and 2015 Five Star Wealth Manager Lawrence Durso 36 years, Roderick MacKenzie 44 years, Michael Lombardi 9 years, Matthew Sheridan 6 years, Sheryl Iannuzzelli 21 years, Donna Betta 20 years and Roseann Lage 21 years. We are a team committed to providing personalized, fi rst class service and exceeding your expectations.

Our goal is to off er sound advice on individual stocks and managed investments and strategies to help ensure they fi t your situation. Our approach provides a customized, disciplined, riskadjusted and timely investment strategy for each of our clients and builds life-long relationships. Structuring your investment portfolio should be a consultative, disciplined process that balances your goals and attitudes with careful analysis of fi nancial markets.

20 Linden Place | Red Bank, NJ 07701 Office: 800-726-6971 | Direct: 732-936-3400

[email protected] | www.morganstanleyfa.com 2015 Morgan Stanley Smith Barney LLC. Member SIPC.

Durso Wealth Management Group at Morgan Stanley

Clients Dont Care How Much You Know, Until They Know How Much You Care

TWO-YEAR WINNER




Left to right: Front row: Stephen W. Wescott, CFP; Sharon M. Nikaido, Senior Associate; 2013 2015 winner Nicholas A. Nicolette, CFP; Deanna Iannuzzi, AAMS;

Back row: Bruce R. Tucker, CFP; Matthew Hannum, CFP, CFA; Glen A. Thomas, MBA, CFA; Lisa Casciaro, CPA; Ross D. Weiner, Ph.D., CFP

Helping You Live the Life You Want Now and Into the Future

We help our clients manage their fi nancial life, so they can enjoy their personal life. Sterlings 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, while being able to eff ectively adjust to things outside your control. Our primary responsibility is to serve our clients interests fi rst. Mr. Nicolette is a founding principal of Sterling. He obtained his CERTIFIED FINANCIAL PLANNER certifi cation in 1984.

In addition to being a recipient of the Five Star Wealth Manager award, we are proud of Nicks honor as the 2011 recipient of the Heart of Financial Planning Awards from both the Financial Planning Association (FPA) and the New Jersey 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

You work hard to earn and build wealth. You should have a plan to enjoy it even more. Sooner, rather than later. At Sterling Financial Group, we focus on:

Understanding what is most important to you personal, family, community

Creating a custom plan focused on your personal freedom and fi nancial security

Working closely with a team of professionals dedicated to your specifi c needs

Financial advisory services including wealth management, financial planning and investment supervisory services are delivered through Sterling Financial Planning, Inc., an SEC-RegisteredInvestment Advisor. Certified Financial Planner Board of Standards Inc. owns the certification marks CFP, CERTIFIED FINANCIAL PLANNER and CFP in the U.S.

Areas of Focus: Wealth and Investment Management; Financial, Retirement and Estate Planning

Sterling Financial Group

THREE-YEAR WINNER




Two-year winner Bruce M. Weinstein, CFP, Financial Advisor, Senior Vice President

Will I have enough money to retire comfortably? How will I be aff ected by infl ation? What happens if I outlive my money? Will my family be provided for? Will my assets be protected if the market underperforms?

These are but a few of the questions and concerns that clients seek answers to in the quest for fi nancial independence. My commitment to you as your fi nancial advisor will be to develop these goals, map out your dreams and set you on your path to fi nancial security. Together, we will chart a course that will take these questions, and many others, into account and implement strategies to attain your

fi nancial aspirations. As a CERTIFIED FINANCIAL PLANNER practitioner with more than 25 years of experience in the industry, it has become clear that whats in the best interest for my clients is being a proactive, not reactive, fi nancial advisor. By taking the emotion out of the decision-making process, we can make clear, logical decisions together and avoid pitfalls when uncertainty abounds. When it comes to reaching your fi nancial objectives, we concentrate on the principals surrounding the fi nancial planning model. I implement portfolio management and design using strategic and tactical asset allocation. Above all else, I am fi rmly committed to long-term relationships, exceptional client service and personal attention to detail.

2 Maurice Court | Kendall Park, NJ 08824Phone: 732-407-8063

[email protected] | www.sterneagee.com

Keep you on course to help fulfi ll your fi nancial goals

Provide clarity about your fi nances and fi nancial future

Help to map a course for your fi nancial future

Securities Offered Through Sterne Agee Financial Services, INC. Member FINRA/SIPC.

Bruce M. WeinsteinCFP, Financial Advisor

Will I Have Enough Assets and Income for Retirement? Come Talk to Us.

TWO-YEAR WINNER




Three-year winner Carlos F. Arias, CRPC, CLTC

Are You Prepared to Meet Your Financial Future on Your Terms?

Carlos F. Arias, fi nancial advisor with The Arias Financial Group with offi ces in New Jersey and Florida, ranks among the top fi nancial advisors at Ameriprise Financial, a fi rm founded in 1894. Carloss team approach is designed to help clients through personalized analysis, whereby recommendations and strategies are provided and tracked on an ongoing basis. Carlos says, My client service model has helped us to deliver a high level of client satisfaction. We work well with people who like to have a plan, want guidance along the way and want to achieve their goals without leaving it to chance. Visit my website and try our 3-Minute Confi dent RetirementSM check to see where you stand.

The Arias Financial GroupA financial advisory practice of Ameriprise Financial Services, Inc.

123 North Union Avenue, Cleveland Plaza, Suite 306 A | Cranford, NJ 07016Office: 908-272-0188 | Cell: 908-553-4035

[email protected] | ameripriseadvisors.com/carlos.f.arias

Ameriprise fi nancial advisor since 1999 An Ameriprise Platinum Financial Services practice

Investors should conduct their own evaluation of a financial professional as working with a financial advisor is not a guarantee of future financial success. The Confident Retirement approach is not a guarantee of future financial results. Investment advisory services and products are made available through Ameriprise Financial Services, Inc., a registered investment adviser. Ameriprise Financial Services, Inc., Member FINRA and SIPC.

Carlos F. AriasCRPC, CLTC, Financial Advisor

THREE-YEAR WINNER




Left to right: 2015 winner John Spada, CRPC, Wealth Advisor; Arnold German, CFP, Wealth Advisor; Russ Cromwell, Portfolio Associate; Malcolm Macpherson, Wealth Advisor

Comprehensive, Goal-Based Financial Planning Solutions

The MTJ Group, with 2015 winner John Spada, has the experience to help you manage your wealth. During this time I have worked with families, executives, business and charitable organizations.

All clients are diff erent. I listen to my clients needs, concerns and aspirations. After I learn about my clients, I can then design and implement a customized solution for all their fi nancial and capital management needs in order to insure their fi nancial freedom.

Setting a course: Thorough, thoughtful planning planning that analyzes where you are as well as where you want to go is the most important step in establishing a path to your goals. I will work with you to explore and help defi ne your objectives and needs, and structure a wealth plan that is uniquely your own.

Managing the rewards of success: Managing an investment portfolio should be a consultative, disciplined process that balances your attitudes and goals as an investor with careful analysis of the fi nancial

markets and the risks and opportunities they hold for you.

You can rely on me for objective, strategic advice in structuring your portfolio and for careful analysis of any investments we consider together.

Shaping your retirement: Together, we can work to make decisions that could help you move toward your retirement. Whether you are building retirement wealth or making the transition to generating income from your assets, I can help you develop and implement a strategy based on your vision of retirement.

Building a unique legacy: Estate planning typically brings together the dimensions of life: personal, family, fi nancial and charitable. I will work with you to understand the connections between your life and legacy goals, and work with your accountant and attorney to help you develop a strategy to position your portfolio appropriately.

15 Independence Boulevard | Warren, NJ 07059 Phone: 866-637-7271 | Phone: 908-626-8606

[email protected] | www.morganstanleyfa.com/mtj 2015 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 Boards initial and ongoing Certification

Providing the dedicated service you deserve.

Areas of focus: Wealth and Investment Management, Comprehensive Planning, Exceptional Service

The MTJ Group at Morgan Stanley




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 familys security and enjoying comfortable retirements. Michelle believes that these things dont 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 AvenueMorristown, NJ 07962

Office: 973-425-2342

[email protected]/michelle.schonberg

Comprehensive wealth management

Custom retirement solutions

Exceptional service

2013 2015 winner Michelle V. Schonberg, First Vice President, Financial Advisor, CFP

Designing Comfortable Retirements

Michelle SchonbergFirst Vice President, Financial Advisor, CFP

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 Boards initial and ongoing certification requirements. 2015 Morgan Stanley Smith Barney LLC. Member SIPC.

THREE-YEAR WINNER




2014 2015 winner Stu Margulis, Senior Vice President, Financial Advisor

For more than 18 years, Stu has built multigenerational client relationships through trust, confi dence and attention to detail. With an extensive background in municipal bonds, he is a comprehensive wealth manager, specializing in fi xed income and recommending customized portfolios. Stu works with high-net-worth investors, affl uent families and corporate executives who hold large investment portfolios. Starting with discovery and fi nancial planning, he incorporates global money managers with an emphasis on risk management and transparency. No matter if the client is in the stage of accumulation, growth or preservation of wealth, Stus priority is to provide a level of service that exceeds expectations.

150 JFK Parkway, Second Floor | Short Hills, NJ 07078 Phone: 973-921-6426 | Toll-free: 888-714-5619

[email protected] | www.morganstanleyfa.com/stu.margulis

2015 Morgan Stanley Smith Barney LLC. Member SIPC.

Stuart E. MargulisSenior Vice President, Financial Advisor

Helping Clients Build and Preserve Wealth

TWO-YEAR WINNER




1200 Mount Kemble Avenue Morristown, NJ 07960

Phone: 973-425-2350 | Phone: 973-425-2328

[email protected] www.morganstanleyfa.com/theregangroup

Committed to Providing an Exceptional Client Experience

Helping families preserve and grow wealth for over 40 years

Personalized wealth strategy Comprehensive retirement planning social security

optimization strategies and building retirement cash fl ow schedules

Estate and legacy planning strategies

Left to right: 2013 2015 winner Thomas J. Regan, Senior Vice President, Financial Advisor; 2015 winner Tia L. Regan, Wealth Management Associate; Linda M. Poiesz, Registered Client Service Associate

Our relationships begin with a thorough understanding of you and your unique goals for your familys future. We work closely with you to develop a roadmap to help you achieve and protect the outcomes you envision. Next, we implement customized investment solutions and strategies suited to your needs. Over time we help you monitor your progress and make adjustments as life evolves, markets and tax laws shift and priorities change.

2013 2015 Five Star Wealth Manager Thomas Regan and his team.

The Regan Group at Morgan Stanley

Morgan Stanley Smith Barney LLC (Morgan Stanley), its affiliates and Morgan Stanley Financial Advisors do not provide tax or legal advice. Clients should consult

their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.

2015 Morgan Stanley Smith Barney LLC. Member S

2015 new jersey five star wealth managers · were named 2015 five star wealth managers. disclosures...

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