I’m Paul Cipriano, the founder of Cipriano Wealth Management. I decided to launch Cipriano Wealth Management as a fee-only, independent registered investment advisor to eliminate the inherent conflicts of interest that investors are often forced to accept when engaging with a financial advisor. I offer comprehensive financial planning under a monthly subscription service. I also combine financial planning with ongoing investment management services and charge fees based on the value of the assets managed (AUM). I prioritize the development of your unique comprehensive financial plan as the foundation of our relationship. I am not singularly focused on gathering assets and refrain from managing investment portfolios unless we have developed a strategic plan for your assets. I worked on the trading desks at several large global investment banks for over 20 years where I was responsible for advising hedge funds and asset managers on portfolio management, investment strategy and market risk. I combine that experience with my training as a CFP® professional to help middle- and high-income families from working class backgrounds achieve their personal financial goals. Would you like to connect? Book a 20 Minute Intro call on my online calendar at calendly.com/ciprianowealth.

Thomas Vetter is a CERTIFIED FINANCIAL PLANNER™ (CFP®) and the founder of Vetter Planning. He chose to establish Vetter Planning because of his desire to help individuals and small businesses develop financial plans that are designed to achieve their goals. It was founded upon principles that place the utmost value on its clients’ financial goals and objectives. It is in the business of building long-term, solid relationships that are based upon trust and quality client service. Since 2002, Tom has been providing financial planning and investment advice. He graduated from Siena College in Loudonville, NY with a Bachelor of Science degree in Finance. Prior to founding Vetter Planning, he was a Senior Financial Analyst for Guardian Life and an Investment Analyst for NYC Housing Development Corporation. Tom resides in Randolph, New Jersey with his wife, Jennifer, son Gavin, and daughters, Abigail and Claire. His interests include volunteering, coaching youth sports, golf, and mountain biking.

Empowering People Through Financial Planning At its core, financial planning is about helping people use their resources to get the most from their time. Our financial planning process is designed to help you clarify what's most important and ensure your money is best aligned to support that vision. Knowing our goal is the compass that guides your financial path, but no direction is favorable until we know where we’re going. We operate a virtual office, providing a wealth management experience that emphasizes convenience, effectiveness, and flexibility for our clients. We'll help you feel more connected with your money and confident in your financial position. Let True North help guide you on life’s journey.

Welcome! I'm Cynthia Meyer, CFA®, CFP®, ChFC®, a real estate investor, financial planner, and real estate business coach. I founded Real Life Planning to mentor a new generation of real estate investors. We help real estate investors take practical steps to build financial freedom, create multiple sources of income, and make working for someone else optional. At Real Life Planning, we speak both real estate and financial planning. Whether you're adding to your properties, contemplating a 1031 exchange, listing your place on Airbnb, getting started as a landlord, or looking to buy a home overseas, we'll help you create a realistic plan for your financial life goals. As you build your investment property portfolio, we will help you plan to optimize taxes and diversify risks, manage total cash flow, and prepare for new opportunities. Our clients are - Rental property investors looking for a comprehensive financial plan - Professionals considering a real estate side hustle to create an additional source of income - People with inherited rental property - Homeowners maximizing opportunities for income - Americans looking to buy property overseas - Expats buying homes in the U.S. We're a Fee-Only fiduciary firm, so we work for you, not for Wall Street. That's why our fees are inclusive and transparent. My husband Steve and I have three kids and live in central NJ, in the NYC metro area. We are both first-generation real estate investors with small multifamily properties, single-family homes, and a small apartment complex. We invest out of state and use a property manager. A financial advisor since 1997, I founded Real Life Planning and co-founded the Real Estate Financial Coach Course, Real Estate For Generations, and the You Unlimited coaching program. Real Life Planning works with clients virtually from anywhere and in-person in the NYC area. Interested in the real (estate) life? Book a discovery call today.

Michael Pirozzi is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in family wealth management strategies, personal retirement planning, portfolio management services, and both individual and corporate investment strategy. Michael focuses on developing personalized financial plans tailored to each client’s goals and risk tolerance, aiming to help clients pursue their long-term objectives through customized wealth management approaches. Michael holds a Bachelor’s Degree from James Madison University. He is also a Personal Investment Advisor (PIA) and communicates fluently in both English and Spanish. Originally from New Jersey, he currently resides in Madison, NJ, where he has been an active community member for nearly fourteen years. Michael also dedicates time to volunteering with local organizations, reflecting his commitment to community involvement. Outside of his professional work, Michael enjoys a variety of personal interests including baseball, chess, cooking, football, golfing, ice hockey, skiing, spending time with his family, and tennis.

Matthew Armendinger is a Financial Advisor with Merrill Lynch Wealth Management and holds the CERTIFIED FINANCIAL PLANNER® (CFP) and Personal Investment Advisor (PIA) designations. He specializes in creating personalized financial strategies to help individuals and families achieve their financial objectives. His areas of expertise include employee benefits planning, family wealth management, legacy planning, portfolio management, small business strategies, tax minimization, and retirement income planning. Matthew earned his bachelor's degree from Fairleigh Dickinson University, where he was a collegiate athlete and remains actively involved through participation in the FDU Young Alumni Association. His community involvement extends to volunteering as a guest speaker for ALPFA NJ and contributing to the Lupus Foundation of America. Outside of his professional work, Matthew enjoys baseball, basketball, football, golf, reading, running, yoga, and spending time with his family.

Kulvinder Kaur is a Senior Financial Advisor at Merrill Lynch Wealth Management. She brings over 30 years of experience in the financial services industry, combining her knowledge of market cycles with familiarity of small business operations. Prior to joining Merrill, she spent 15 years working in institutional finance, holding director positions at multiple firms, which provided her with a sophisticated perspective that enhances her advisory role. Kulvinder holds a Bachelor's degree from Hofstra University and an MBA from Baruch College. She maintains professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Her client focus areas include corporate executive services, family wealth management strategies, executive compensation, liquidity management, and wealth planning for diverse groups such as senior technology and pharmaceutical executives, physicians, attorneys, business owners, and clients with concentrated stock holdings. In addition to her professional work, Kulvinder is involved in community service. She serves on the board of TAARA, an organization that rescues and empowers survivors of sex trafficking, and supports Bonnie Brae, a New Jersey-based community dedicated to at-risk boys and families in crisis. She is fluent in English, Hindi, and Punjabi.

Sean Mc Manus is a Financial Solutions Advisor at Merrill Lynch Wealth Management. In this role, he works directly with clients to define their financial goals and develop portfolio strategies aimed at achieving those objectives. He provides ongoing advice and adjusts strategies as clients' situations evolve. Sean's approach involves getting to know clients and understanding what matters most to them, allowing him to assist with various financial needs including general investing, retirement planning, and saving for unexpected expenses. He holds the Personal Investment Advisor (PIA) designation. Sean earned a Bachelor's Degree from the University of Delaware.

Tara Pardo is a Financial Consultant at Fidelity Investments, bringing three decades of experience in the financial services industry. She began her career at Goldman Sachs, where she served as Vice President of Equity Sales from 1992 to 2018. Following that, she was a Senior Relationship Manager at Lord Abbett from 2018 to 2022 before joining Fidelity in 2023. Throughout her career, Tara has focused on helping clients with wealth planning and financial strategies. She emphasizes collaborating with clients to create, implement, and monitor plans that align with their individual goals. Her work at Fidelity leverages the firm's resources to assist clients in making informed decisions for their financial futures.