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| Breakout Speakers |
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| Reed C. Fraasa |
| CFP, RLP |
| Morning Breakout Session: Getting Back on Track |
 • Wealth Manager
• CERTIFIED FINANCIAL PLANNER™ Practitioner
• REGISTERED LIFE PLANNER® Kinder Institute
• Member of Financial Planning Association (FPA)
• 2005 President of the Financial Planning Association of New Jersey
• 2006 Chairman of the Financial Planning Association of New Jersey
• President, HIGHLAND Financial Advisors, LLC
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.
Reed is the author of The Person is the Plan®, a unique process, and soon to be published book, 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®.
As a Certified Financial Planner™, Reed completes more than 30 hours of continuing education every two years. His clients are both corporations and individuals based in the New Jersey tri-state area, Florida, North Carolina, California, and Europe. Reed is able to explain complex financial planning solutions in easy to understand terms. As a result, he is a frequently sought after guest speaker and quoted expert in the area of personal finance and retirement planning for national and local media. His media credits include the New York Times and Star Ledger newspapers, Wealth Manager and Budget Living magazines as well as many other consumer and professional publications. |
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| Fernando Garip |
| Senior Vice President Regional Director - Private Investment Council,TD Wealth Management |
| Morning Session: Economic Forecast for 2012 |
 Mr. Garip joined TD Wealth Management, 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. |
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| Stacy Francis |
| President of Francis Financial, Inc / Founder of Savvy Ladies |
| Morning Session: 5 Things Everyone Over 60 Should Know About Their Investments |
 Stacy Francis is the President of Francis Financial, Inc., an independent, fee-only wealth and finance advisory firm in New York City. She is also the founder of Savvy Ladies, a 20,000-plus national non-profit educational organization established to empower women to take control of their finances and achieve more rich and rewarding lives.
In addition, Stacy has recently appeared on The Today Show, CNBC, NPR, Fine Living, Open House NY, BBC News and ParentsTV. I am frequently quoted in publications such as The Wall Street Journal, The New York Times, Business Week, Barron's, CNN, The Daily News, Dow Jones, Money Magazine, MSN, Newsday, Smart Money Magazine and more. |
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| Nick Miceli |
| Market President, TD Bank |
| Afternoon Session: Banking Relationships in Challenging Times |
 D. Nicholas Miceli has worked at TD Bank (through its predecessor Commerce Bank) for 11 years. He is currently Market President of the bank's Central New Jersey market comprising of 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 Commerce 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 20 year banking career, he has been featured in numerous financial articles and has also appeared on PBS/13WNET spotlight "Inside Trenton" discussing the State of Banking in New Jersey.
Active in the community, Miceli is a Board Member of the Garden State Cancer Foundation, Essex County Workplace Investment Board, Morris Union Jointure Commission Foundation and Family Intervention Services. He also served as corporate recruitment chairman for the Juvenile Diabetes Research Foundation/Central Jersey chapter. He is a resident of River Edge, NJ and a graduate of Rutgers University. |
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| Mark Cortazzo |
| CFP |
| Afternoon Breakout Session: Savvy Investor |
 Mark Cortazzo, CFP® is the founder and Senior Partner of MACRO Consulting Group, and creator of Flat Fee Portfolios. His extensive background in the financial services industry includes working for one of the largest brokerage firms in the US, one of the largest banks in the Northeast and one of the largest insurance companies in the world. These diverse experiences have provided him with a unique perspective that has carried over in the formation of his own practice.
Since founding MACRO Consulting Group in 1992, Mr. Cortazzo has become nationally recognized as a leader in retirement income planning. He offers his expert financial advice as a CFP® professional, investment advisor, and a retirement specialist. He implements a team approach to assess clients' income needs and goals and provides comprehensive, customized retirement plans. Utilizing the most extensive solutions in growth and protection, Mr. Cortazzo helps his clients manage their income needs throughout their retirement.
His recent achievements include being named "Advisor of the Year" by Boomer Market Advisor magazine and being named to Barron's listing of "America's Top Financial Advisors" for three consecutive years (2009-2011). Mark has also been named to several other Top Advisor lists including,Worth Magazine naming him as one of "The 250 Best Financial Advisers in America", being awarded "Super Broker" and one of the "Top 50 Independent Advisors for 2008" by Registered Rep. Magazine, being named by Reuters AdvicePoint as a "Top Advisor for 2008" in multiple categories, acceptance into the "2003 Hall of Fame" by Research Magazine, being chosen as one of New Jersey's "Top Forty Under 40" by NJ Biz Magazine and one of "America's Top Financial Advisors" in 2008 by Fortune Magazine.
Due to his success, Mark is regularly utilized as a resource for many national publications and periodicals, including The Wall Street Journal, Barron's,Kiplinger's Personal Finance Magaine, InvestmentNews and Bloomberg Personal Finance. He has made multiple television appearances including CNBC's Business Day, FOX Business, and Consuelo Mack's "WealthTrack" on PBS.
Mr. Cortazzo is active in several community and charitable causes. He provides corporate sponsorship, direct participation, and feature speaking events for organizations such as: The American Cancer Society, The ALS Association, The Leukemia and Lymphoma Society, Habitat for Humanity, Interfaith Food Pantry, Dress for Success, NJPBA, and NJSCPA. |
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| Karin Price Mueller |
| Star-Ledger Columnist |
| Afternoon Breakout Session: Ask The Biz Brain |
 Karin Price Mueller writes about personal finance and consumer affairs issues for The Star-Ledger, New Jersey's largest newspaper. Among her columns are "Ask The Biz Brain," a reader Q&A and "Get With The Plan," a weekly money makeover column. Her consumer affairs column, "Bamboozled," won a 2010 Best in Business Award from the Society of American Business Editors and Writers (SABEW). Also in 2010, Mueller won a Heart of Financial Planning Award from the Financial Planning Association.
In addition to her work for The Star-Ledger, Mueller contributes regularly to publications including SecondAct.com and Sustainable Money, a digital publication built for mobile devices. She also writes for the web sites of the non-profit National Endowment for Financial Education (NEFE).
Before writing became her main focus, Mueller 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.
She lives in New Jersey with her husband, three kids, two guinea pigs and an English Mastiff named Mojo. Whatever they don't eat goes into her retirement savings accounts. |
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| Jerry Lynch |
| CFP® CLU ChFC of JFL Consulting Inc., President and Founder |
| Afternoon Breakout Session: Ask The Biz Brain |
Jerry Lynch is President and Founder of JFL Consulting, a Total Wealth Management Firm. With over 23 years in insurance and financial planning, and working with individuals in a variety of different planning areas, Jerry’s team approach of accountants, attorneys, property and casualty agents, life insurance and business insurance agents, money managers and the like has brought him and his client’s 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 2011 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.
Jerry Lynch has operated as an independent advisor and business owner for 14 years, and his credentials are as follows:
• Certified Financial Planner- CFP©
• Chartered Life Underwriter- CLU
• Chartered Financial Consultant- ChFC
• Insurance Licensed- NY, NJ, FL, MA, KS
• Securities Licensed- 6, 63, 65, 26
Prior to founding JFL Consulting, Jerry Lynch was Vice President of Marketing at Aetna US Healthcare, responsible for one of their largest markets. 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 Consulting has both the expertise and ability to meet all types of client’s needs, from individuals to big businesses. |
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| Gail Rosen |
| CPA |
| Afternoon Breakout Session: Ask The Biz Brain |
 Gail Rosen’s accounting practice has been in central New Jersey for over 28 years
and is known for helping people pay the lowest taxes, and most importantly, to
work within the limits of the law so they can sleep without worry at night. Gail
and her quality staff have earned a reputation for putting complex accounting,
tax and entrepreneurial issues into language both professionals and amateurs can
comprehend and profit from.
Broadcast and print media frequently call upon Gail for insights on tax matters
affecting businesses and individuals and most weeks you will find her name quoted
on some pressing tax matter. Many business organizations, community groups and
government agencies often have Gail as a featured speaker. Since the inception
of her business, Gail has been an active member of several highly respected
organizations board of directors. Gail is the recipient of many business awards
throughout the years. |
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| Shirley B. Whitenack |
| Partner at Schenck, Price, Smith & King, LLP |
| Afternoon Breakout Session: Ask The Biz Brain |
 Shirley B. Whitenack is a partner in the Tax, Trusts and Estates Department and Litigation Department at Schenck, Price, Smith & King, LLP with offices in Florham Park and Paramus, New Jersey.
Ms. Whitenack is a Fellow and Secretary of the National Academy of Elder Law Attorneys (NAELA), and is a member of its Council of Advanced Practitioners (CAP). She is a trustee of the Guardianship Association of New Jersey, Inc. (GANJI) and a past trustee of the New Jersey Institute for Continuing Legal Education (NJICLE). She is a member of the Special Needs Alliance (SNA), the American Bar Association’s Litigation and Real Property, Trusts & Estates Section, the New Jersey State Bar Foundation’s Program Development Committee, and the Morris County Bar Association and its Estates & Trusts Committee. She serves as the New Jersey State Reporter for the National Alliance of the Mentally Ill
(NAMI).
Ms. Whitenack is a frequent author and lecturer for various professional and charitable organizations. She is a contributing author to New Jersey Elder Law Practice, 3rd Edition (NJICLE), New Jersey Practice Elder Law: Guardianship and Conservatorship, Volume 45 (West Group), Trusts for Senior Citizens (ALI-ABA), Elder Law Trusts and Estates (Aspatore) and Creating a Trust (Aspatore). Ms. Whitenack received the NJSBA’s Legislative Service Award in September 2003 for her contribution in drafting and promoting revisions to New Jersey’s guardianship statutes and the NJSBA’s Amicus Curiae Award in 2004. She received GANJI’s Recognition Award in October 2003 for her contribution in advocating for the civil rights of incapacitated individuals. She received NJICLE’s Distinguished Service Award in 2007 and the Distinguished Service Award from the NJSBA’s Elder & Disability Section in 2009. Ms. Whitenack is a recipient of the Community Health Law Project’s Ann Klein Advocate Award in 2011. She has been
recognized as one of New Jersey’s top 50 female attorneys as well as a top Elder Law “Super Lawyer”.*
Ms. Whitenack is admitted to practice in New Jersey, the United States District Court for the District of New Jersey and the United States Court of Appeals for the Third Circuit. She participates as a court-appointed and private mediator in probate matters.
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| Doug Buchan |
| CFP® |
| Morning Breakout Session: Getting Started |
 Doug is a partner at Main Street Financial Solutions – an independent, fee-only financial planning firm where he helps clients make smart choices with their money to enable them to live the life they want.
Prior to becoming a partner at MSFS, Doug was the Chief Investment Strategist at The Tilson Financial Group, building optimal and unique portfolios for all clients based on their own unique needs, goals and dreams. While Doug brings significant investment experience to the table, he believes no portfolio can be created without building a comprehensive financial plan. As Doug often says, “It doesn’t matter what car you select for a journey if you have no idea how to get there.”
Doug works hard with clients to help them conceptualize what’s truly important to them both the tangible “importances” (goals) as well as the intangible “importances” (values). Then, and only then, does he build and implement an optimal portfolio that will start the client down the path to financial freedom, peace of mind and – ideally – life fulfillment.
Doug is a regular contributor in the Star Ledger as a resource for the popular “Ask the Biz Brain,” as well as Sunday’s “Get With The Plan.” He also teaches on topics including investing, basic/advanced financial planning, financial life planning and more.
Doug graduated Cum Laude from the Robins School of Business at The University of Richmond in Virginia. He lives in Basking Ridge with his wife and three kids.
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| Brett R. Danko |
| CFP®, CRPC® |
| Morning Breakout Session: Getting Started |
 Brett R. Danko has worked in the financial services industry for nearly 20 years and is a featured nationwide lecturer on matters of personal finance. He is regularly called upon by the financial services industry to provide financial planning training to top tier financial advisors and to consult on complex planning issues affecting their clients.
Brett is a dynamic speaker with the ability to deliver complex information to professionals and clients in an easily understandable way. He teaches all the required CFP® Certification Education Courses (Financial Planning, Insurance, Investments, Income Tax, Retirement and Estate) and CFP® Board Certification Examination Prep Courses throughout the United States. He also provides classroom continuing education to industry professionals. Brett is a regular speaker at key client events where he presents on emerging and hot topics in the financial planning arena.
Brett also provides financial advisors continuing education through a subscription service, FP Resource Center, LLC. This service provides twice monthly calls to financial professionals across the country and covers a different financial topic each month as well as strategies how to integrate this knowledge into their practice.
In addition, Brett is President of his own RIA, Main Street Financial Solutions, LLC, a fee-only firm specializing in financial planning and asset management. In addition, Brett is a volunteer consultant a number of New Jersey organizations that serve women affected by domestic violence. In that capacity, he helps the agency clients address their complex financial planning situations.
Brett grew up in Pittsburgh, PA and is a graduate of the University of Pennsylvania. He lives in Lawrenceville, NJ with his wife and two children.
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| Gerri Stiner |
| Shaklee Corporation |
| Afternoon Breakout Session: What You Need to Know to Start a Home Based Business |
 Gerri Stiner and her husband, Olaf, reside in Cranford, NJ. She has been associated with Shaklee Corporation, the #1 Natural Supplement Company in the U.S., since 1980 as an independent business leader. A graduate of The College of New Jersey, Gerri continued her education in the Bernard MBA program, but interrupted that to have two children. She also pursued a number of professions prior to finding her life’s passion, educating people and providing tools to attain better health through improved nutrition and mentoring others to success. Professionally, Gerri was an English teacher, a Social Worker, and before choosing to stay home with her two children held a position in the Finance Department of American Airlines. Gerri is a strong advocate for children’s and women’s health and has lectured on these topics at rotary Clubs, YMCA’s, PTA’s, libraries, just to name a few, and as a member of Cranford’s Green Team. Gerri has earned more than 20 award trips as a Shaklee Business Leader and has been honored as a member of the President’s Club numerous times.
Discussion: The benefits and challenges of a home-based business. Is it a fit for you…working from home? How to choose a company that you can be passionate about. My own thoughts regarding my choice. My experience with other companies. My sister was in Longaberger, my friends and some clients are in other companies…Pampered Chef, Mary Kay, and others.
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