John Foligno has 30+ years of professional work and coaching/mentoring experience, which includes over 10 years of running his own business. Through empathy, active listening and thoughtful counsel, he lives his personal mission by inspiring people to overcome the roadblocks that prevent them from accomplishing their goals, and helps them to find enlightenment, fulfillment, and financial well-being. He specializes in supporting high-net-worth households, although he enjoys working with all manner of people. As a business owner, John learned the hard way how much he would have benefited from a financial steward who understands the myriad challenges of running a business. That experience, coupled with his passion for financial planning, enables him to relieve business owners of the day-to-day concerns of reaching their financial goals, which frees them to focus on their growth and ultimate exit strategy. As a graduate of Syracuse University’s Whitman School of Management, John studied finance and marketing. John is a member of NAPFA, whose members completed a broad-based advanced education program in financial planning and are trained to provide coordinated advice on issues surrounding a client’s entire financial picture. When he is not fulfilling his fiduciary obligation of putting his client’s interest first, John is sharing time with his wife, Michelle, his daughter, Ruby, and their golden retriever, Honey. He enjoys a healthy lifestyle of strength conditioning and hiking as well as watching sports and reading. John is a first-degree black belt in Goju karate that guides his disciplined approach. He volunteers his time for the honor of helping people with limited financial education to make more informed decisions and has been featured in financial planning media journals to share his insights.

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.

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.

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.

John Paul Tancona is a financial advisor with Merrill Lynch Wealth Management, specializing in helping busy professionals and families align their current financial situations with their future goals. Since beginning his career in June 1999, he has developed expertise in areas such as college education planning, personal retirement planning, portfolio management, tax minimization, and retirement income. John Paul and his team emphasize honesty, trust, and transparency, providing personalized financial strategies tailored to each client’s unique needs. Prior to becoming a financial advisor, John Paul worked as a corporate bond trader, gaining a comprehensive understanding of investment markets that informs his guidance to clients. He holds a Bachelor's degree from Villanova University and holds professional designations including Certified Divorce Financial Analyst (CDFA) and Personal Investment Advisor (PIA). His approach combines Merrill’s investment insights and Bank of America’s banking and lending solutions with support from a global network of specialists. John Paul is a founding member of the Sparta, New Jersey chapter for Stand for the Silent and serves on the Sparta Education Foundation board. He is also involved with the Lake Hopatcong Foundation and Our Lady of the Lake Church. Residing in Sparta with his wife and two sons, John Paul enjoys hiking, tennis, traveling, and spending time with his family.

Lisa La Vecchia is a Wealth Management Advisor at Merrill Lynch Wealth Management, with over 30 years of experience in guiding clients through complex financial situations. She specializes in working with women experiencing life transitions such as retirement, divorce, or the death of a spouse. Lisa helps clients develop personalized financial strategies that address cash flow, budgeting, risk in investing, retirement income, legacy, and business succession planning. Lisa holds a Bachelor's Degree from Bucknell University and maintains several professional designations, including Certified Financial Planner (CFP), Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She has been recognized multiple times by Forbes and Working Mother for her advisory work and leadership in wealth management. In addition to her professional work, Lisa is actively involved in community service and mentorship. She serves on the board of directors and as chairperson of the financial development committee for the Greater Somerset County YMCA. She has also volunteered for Make-a-Wish New Jersey and participated as a top fundraiser in the AIDS LifeCycle charity bike ride. Lisa’s community engagement complements her dedication to supporting clients in achieving greater financial independence and confidence.