| |
|
| |
|
| Breakout Speakers |
 |
|
|
|
| |
|
| Fernando Garip |
| Senior Vice President Regional Director - Private Investment Council, TD Wealth |
| Generating Income in Today’s Market (AM) |
| |
|
 Mr. Garip joined TD Wealth, formerly known as Commerce Bank Asset Management, in 2001 as Senior Vice President and Chief Investment Officer. In prior years, Mr. Garip was a Senior Vice President and Regional Investment Manager at a leading regional Bank in the Northeast where he managed over $4 Billion in institutional and personal assets.
His career included management and oversight of a highly rated proprietary mutual fund complex comprised of equity, fixed income and money market funds highlighted by a five star equity fund track record.
Mr. Garip and his team established an asset management complex at TD Bank that includes a diverse team of investment professionals who today help manage over $10 Billion in discretionary assets from Maine to Florida.
He received his bachelor’s degree from Villanova University and completed postgraduate studies at Harvard University’s Kennedy School of Government. He is a member of the New York Society of Securities Analysts and serves a broad range of civic organizations throughout the region.
|
| |
| |
| Nick Miceli |
| Market President, TD Bank |
| Getting a Business Loan During Difficult Economic Times (AM) |
| |
 D. Nicholas Miceli has worked at TD for 14 years. He is currently President of the bank's Central New Jersey Market comprising Essex, Hunterdon, Middlesex, Morris, Somerset and Union Counties.
Previous to this, Miceli was Regional Vice President for Essex, Hudson and lower Bergen Counties, N.J., and was responsible for leading the bank's commercial and retail banking operations there. He joined the bank in 1998 as a Vice President of middle market lending for the northern New Jersey market. Prior to this, he held various management positions at Bank of America.
During his 24 year banking career, he has been featured in numerous financial articles and has also appeared on PBS/13WNET spotlight "Inside Trenton" and “Caucus NJ” discussing the State of Banking in New Jersey.
Active in the community, Miceli is a Board Member of the Morris Union Jointure Commission Foundation, Rutgers Business School, NJ Performing Arts Center Advisory Board, Newark Museum Board of Trustees, NJ Bankers Association and Chairman of Family Intervention Services Board. He resides in Bergen County and is a graduate of Rutgers University. |
| |
| |
| Reed C. Fraasa |
| CFP, AIF, RLP, Principal with HIGHLAND Financial Advisors, LLC |
| Ask The Biz Brain (AM) |
| |
 Reed is a principal with HIGHLAND Financial Advisors, LLC, a Registered Investment Adviser with the Securities and Exchange Commission under the Investment Advisers Act of 1940. As a Certified Financial Planner™ professional with over 22 years of experience in financial planning, investment management, and pension consulting, Reed puts the best interests of the client first in providing fee-only financial life planning and investment services to corporate executives, professionals, business owners and retirees. HIGHLAND is also a Third Party Administrator for defined contribution plans, providing design, management and investment advisory for employer sponsored plans.
Reed is the a recipient of the 2012 Heart of Financial Planning Award from the Financial Planning Association of New Jersey for his work promoting financial literacy in New Jersey. He is the author of The Person is the Plan®, a book he is writing about a unique planning process for exploring ways for you to use your money to make a life instead of using your life to make money. Reed received his Certified Financial Planner™ certificate from the College of Financial Planning in Denver, Colorado. He has also received the Accredited Investment Fiduciary® designation from the Center for Fiduciary Studies, which focuses on advanced training on fiduciary responsibility. Reed has also completed the certification, mentorship, and advanced training in Financial Life Planning from the Kinder Institute qualifying him to use the RLP® designation as a Registered Life Planner®. |
| |
| |
| Howard Hook |
| CPA, CFP, EKS Associates |
| Ask The Biz Brain (AM) |
| |
 Howard Hook knows the relationship between investments, taxes, and what a client really needs and wants is the most important part of any engagement. That’s why comprehensive fee-only financial planning that requires strategic thinking, creative solutions, and client education is Howard at his best, and his clients can attest to his passion for it.
“People come to me with big questions - ‘Can I retire?’ or ‘I’m getting divorced, what does that mean for me financially?’ or ‘My spouse died and I didn’t handle the finances, what do I do?’ The only way to help is to address these issues from all angles – investments won’t do it alone; tax planning won’t do it alone. It all needs to be incorporated into a plan that has a proven process behind it. It also has to be something the client understands and trusts,” says Howard.
What all of Howard’s clients have in common, regardless of their profession or marital status, is an appreciation for his planning style, methods and track record. He believes in and enjoys spending time with clients and learning about their situation and life goals. Only then does he implement a proven process and years of expertise to develop an appropriate plan, and explain it in a way that clients understand.
Howard’s ability to make sense of some of life’s most challenging financial situations has attracted positive attention in the region and the country. He was named one of Medical Economics magazine’s “Best Advisors for Doctors” in 2011 and 2010, and has been featured on local business television, including News 12 New Jersey’s It’s Your Money. Howard is also a regularly published author, appearing in such publications as Accounting Today, Money magazine, Kiplinger's Personal Finance magazine, Practical Tax Strategies, Investment News, TimeMagazine.com, WebCPA.com, and CNN.com. Locally, Howard can frequently be found answering questions in two of The Star-Ledger’s business columns, “Ask the Biz Brain” and “Get with the Plan,” as well as NJBIZ and Times of Trenton. He also provides tips and education in his monthly column, “Hook’d On Personal Finance,” appearing in the Princeton Packet in the last week of every month.
As a speaker, Howard has participated in panel discussions locally and at national summits, has taught candidates studying for the Certified Financial Planning (CFP®) exam in the course area of taxation, and currently teaches numerous financial courses at Princeton Adult School, area universities, and not-for-profit organizations.
Personally, Howard is very committed to giving back to his community. He is serving a two-year term as Treasury Secretary of Shomrei Torah Temple in Wayne, N.J. and also sits on the executive committee. Howard also participates in events such as the Financial Planning Association’s “Philadelphia Financial Planning Day,” where he offers individualized pro bono financial advice to residents in need.
A member of the Financial Planning Association, Howard earned his Bachelor of Science degree in Accounting from Binghamton University, and later received his CFP® designation from the College for Financial Planning in Denver, Colorado. |
| |
| |
| Karin Price Mueller |
| Star-Ledger Columnist |
| Ask The Biz Brain (AM) |
| |
 Karin Price Mueller is a New Jersey-based writer with a specialty in personal finance and consumer issues. She tackles complicated money questions with an easy-to-digest style, providing financial advice for beginners and seasoned investors alike.
Karin writes a weekly consumer affairs column called "Bamboozled" for The Star-Ledger, New Jersey's largest newspaper. Also for the Ledger, she writes a weekly money makeover column called "Get With The Plan" and the "Ask The Biz Brain" column. Karin regularly contributes to publications by non-profit educational organizations including the National Endowment for Financial Education (NEFE) and the Life and Health Insurance Foundation for Education (LIFE), and she pens a monthly money column for Inside Jersey magainze. She also hosted and wrote "Money 911,'' a multimedia series for MSN Money in which Karin helped participants solve their money emergencies.
Before writing became her main focus, she was the executive producer of CNBC's The Money Club, where she led the team that won the network's first ever Cable ACE Award for Business and Consumer Programming.
When she's not writing money stories, Karin juggles her at-home duties as mom to three, family budgeteer, chocolate chip pancake master, carpooler, social director, soccer coach, tutor and Harry Potter/Star Wars fact checker. Then there's the ongoing task of explaining to her shopaholic sister why it's better to put that $500 in an IRA instead of buying those designer strappy sandals.
Karin lives in New Jersey with her husband, three kids, two guinea pigs, and two English Mastiffs: Mojo and Buddha. Whatever they don't eat goes into Karin's retirement savings accounts. |
| |
| |
| Catherine Romania |
| Esquire, Witman Stadtmauer |
| Ask The Biz Brain (AM) |
| |
 Catherine Romania is a member of the law firm of Witman Stadtmauer, P.A. located at 26 Columbia Turnpike, Florham Park, New Jersey. She concentrates her practice in the areas of estate planning and administration, business transactions and mediation.
Ms. Romania is admitted to practice law in the states of New Jersey and New York and in the Federal Courts of the District of New Jersey, Southern District of New York, Eastern District of New York, United States Court of Appeals, Third Circuit and the United States Tax Court. She is a member of the Business Law and Real Property, Probate and Trust Law Sections of the American Bar Association, the Business Law and Real Property, Probate and Trust Law Sections of the New Jersey State Bar Association, the New York State Bar Association and the Northern New Jersey Estate Planning Council. She is also a member of and accredited as a commercial business mediator by the New Jersey Association of Professional Mediators.
Ms. Romania has been appointed by the New Jersey Supreme Court to and is currently serving as fee arbitrator on the District X (Morris County) Fee Arbitration Committee. She has participated as a panelist and guest speaker before community groups as well as the New Jersey Institution of Continuing Legal Education. She has published legal articles and is frequently featured in the New Jersey Star Ledger “Biz Brain” column.
Ms. Romania received her B.S. in accounting, magna cum laude, from Bucknell University, her J.D., cum laude, from St. John’s University School of Law and her LL.M. in Taxation from New York University School of Law. |
| |
| |
| Jerry Lynch |
| CFP CLU ChFC, President and Founder of JFL Total Wealth Management |
| Tips for the Savvy Investor (AM) |
| |
 Jerry Lynch is President and Founder of JFL Total Wealth Management. With over 25 years in insurance and financial planning, and working with individuals in a variety of different planning areas, Jerry’s approach of working with local accountants, attorneys, property and casualty agents, life insurance and business insurance agents, money managers and the like have brought him and his clients success, even in the toughest of economic conditions. It is this put-your-money-where-your-mouth-is approach that has CNBC and other business shows calling him back over 50+ times for repeat appearances.
Jerry Lynch has also been a regular guest on WABC and produces articles for The Star-Ledger, USA Today, CNBC, ExecutiveInsight, and many other established publications. He was also recently awarded as a 2012 Top Wealth Manager by NJ Monthly magazine, Top 2% in NJ, and has been listed in the Consumers Research Counsel’s “Guide to America’s Top Financial Planners” since 2004.
Prior to founding JFL Total Wealth Management, Jerry Lynch was Vice President of Marketing at Aetna US Healthcare. There he acquired knowledge and skills that he would later apply to his own business. Backed by an Asset Management Firm that has over 200 registered reps operating in 23 different states, JFL Total Wealth Management has both the expertise and ability to meet all types of client’s needs, from individuals to big businesses. |
| |
| |
| Brian Kazanchy |
| CFP, RegentAtlantic |
| Under 35? 5 Things to Know to Get Out of Your Parents' Basement! (PM) |
| |
 As a Wealth Manager, Brian Kazanchy directly counsels and advises clients on wealth management and financial planning. He also serves as chair of the Investment Committee at RegentAtlantic. He is credited with developing, negotiating, and implementing many of RegentAtlantic's innovative investment strategies. In addition to being a Chartered Financial Analyst Charterholder and a CERTIFIED FINANCIAL PLANNER™ certificant, Brian holds an MBA with a concentration in Finance from Fairleigh Dickinson University and a BA in Finance from the University of Richmond. He also studied abroad at the University of Warwick in Coventry, England. He has appeared on the Fox Business channel as a guest panelist and has been quoted in The Wall Street Journal, Smart Money, The Star-Ledger, and International Herald Tribune. Brian is a member of the CFA Institute and New York Society of Security Analysts.
Joining Brian will be RegentAtlantic's Marketing Specialist Amy Babcock. At RegentAtlantic, Amy serves as a conduit between the firm's financial professionals and the media, as well as a facilitator for client communications and events, ensuring RegentAtlantic's best thinking is upheld throughout all communicative channels. Amy holds a BA in Mass Communication and a minor in Public Relations from Bloomsburg University. |
| |
| |
| Stacy Francis |
| President of Francis Financial |
| Get in Gear for the Golden Years! 5 Things Everyone Over 60 Should Know (PM) |
| |
 Stacy is the president of Francis Financial and the founder of Savvy Ladies, a non-profit organization focused on financial literacy for woman. She frequently lectures and speaks about financial planning, with particular emphasis on investments and money smarts for women and couples. As a nationally recognized expert in finance, Stacy has appeared on The Today Show, CNBC, CNN, PBS' Nightly Business Report, OpenHouse NYC and Fine Living Network, and she is frequently quoted in publications such as Bankrate, CNN.com, The Daily News, Dow Jones, Financial Planning magazine, Glamour, Investment Advisor magazine, Investment News, Men's Health, Money magazine, MSN, Newsday, Smart Money, The New York Financial Planner, Quick and Simple, Women's Day, Fund Action, and The Wall Street Journal.
Stacy has an extensive background in finance. She attended the New York University Center for Finance, Law and Taxation where she successfully completed CFP® education requirements and the CFP® certification exam. She is a Certified Divorce Financial Analyst (CDFA), completed specialized training in the financial issues of divorce through the College for Divorce Specialists, and serves on the board for the Association of Divorce Financial Planners.
In addition, Stacy has a B.A. in International Economics and in French from Middlebury College where she graduated cum laude. She has been formerly employed as director of investment relations at Robinson, Lerer & Montgomery and as an investment-banking analyst at Donaldson, Lufkin & Jenrette Securities Corp., specializing in financial services.
Stacy is active in the development of financial planning as a profession. She is a professor for the International Association for Financial Planning where she teaches financial planning and investment management to students studying for the CFP® certification exam. She sits on the board of directors of the Financial Planning Association and is an adjunct professor at The New School University. |
| |
| |
| Edward Haddock |
| Economic Development Specialist for the Small Business Administration |
| How to Start a Home-Based Business (PM) |
| |
 Edward Haddock is a member of the Small Business Administration’s New Jersey District Office and serves as an Economic Development Specialist for the SBA throughout New Jersey. As an Economic Development Specialist, Edward assists local businesses and entrepreneurs in finding mentors or counselors, develop and write a business plan, establish their business, prepare business financial plans, explore loans and funding options as well as partner with national and local agencies to promote economic growth through small business development. |
| |
| |
| Michael J. Maye |
| President of MJM Financial Advisors, LLC |
| Midlife Doesn’t Have to Mean Crisis (PM) |
| |
 Michael J. Maye is the founder and President of MJM Financial Advisors, LLC, a Registered Investment Advisory firm located in Berkeley Heights, NJ. The firm provides financial planning and investment advisory services to its clients using a fee-only compensation model. Prior to successfully starting his own firm, Mr. Maye held a variety of positions with some of the world's premier financial services organizations such as: JP Morgan Asset Management, Alliance Capital Management L.P., and Dean Witter Discover & Company. His responsibilities included: strategic planning, forecasting, budgeting, mergers & acquisition analysis, joint venture development, and special projects. Mr. Maye started his career in KPMG’s New York City office, where he worked as an auditor for a variety of clients across various industries.
Mr. Maye is a graduate of St. John’s University where he obtained a BS degree in Accounting (1987), and he pursued his graduate studies at Pace University where he earned an MBA degree in Finance: Investment & Portfolio Management (1995). Mr. Maye is a CFP® certificant and also a CPA/PFS. He is currently a member of the National Association of Personal Financial Advisors, Financial Planning Association, American Institute of Certified Public Accountants, the New Jersey State Society of CPAs, and the Estate Planning Council of Northern NJ. Mr. Maye is a past board member of the Financial Planning Association of NJ and the United Way of Summit, New Providence, and Berkeley Heights.
Mr. Maye currently resides with his wife and dog in Berkeley Heights, New Jersey. |
| |
| |
| |
|
|
|
| |
|
| |
|
|
