2013 New Jersey Five Star Wealth Managers · · 2013-01-142013 Five Star Wealth Managers ... 9,400 registered financial services professionals and all identified financial service
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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.
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).
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.
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.
award winners listed by primary services and listed alphabetically by last name.
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
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.
[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
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.
[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
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.
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.
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
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
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.
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.
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
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
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
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
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
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.
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.
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.
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.
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.
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.
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.
[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].
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.
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.
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.
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.
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.
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.
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.
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.
[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.
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
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.
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
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].
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.
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.
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
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.
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.
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.
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
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.
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.
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,
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.
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.
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.
• 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
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
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.
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].
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
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.
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.
• 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.
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.
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.
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
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.
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.
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.
• 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.
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.
• 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
• 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.
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.
• 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.
• 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].
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
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.
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
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.
Two-
Year
Winn
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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.
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].
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.
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].
Investment and Insurance Products:
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.
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.
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.
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].
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.
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.
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, is a registered broker-dealer and
separate affi liate of Wells Fargo & Company. [CAR 1112-01324].
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.
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 1112-02527].
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.
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.
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.
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.