About Our Team

SCHEDULE A MEETING WITH ANDREW

Having been involved in the Fine Arts for so long, Andrew saw a need for greater financial literacy, education, and money consciousness within that community. With a father in the finance industry, Andrew was exposed to money mindfulness throughout his entire life. Meshing his two worlds together, he developed a curiosity of finding a way to help an industry he is most passionate about receive that same level of resources and education for their own futures.

At his core, Andrew is both a storyteller and a holder of stories. He believes that his clients should see themselves as the protagonists of their own financial stories, particularly in a world that often vies heavily for them to release that position. Andrew finds purpose in offering unique perspectives to clients that leaves them feeling more confident and with a clearer conscience than when they first walk in the door.

Andrew grew up in Middletown, Connecticut where his family still resides today. He graduated from Abilene Christian University in Texas with a Bachelor of Fine Arts in Acting. Impressively, Andrew has directed and acted in several theatre productions and was the President of Alpha Psi Omega. He is a proud member of Swap the Biz in Morristown, NJ and a passionate advocate of the LGBTQ + community. His career goal is to make a monumental, life-altering impact on the lives of all his clients and give them a clear direction of the next steps in their lives.

License

• Life & Health
• Series 7
• Series 66

Education

• BA Fine Arts, Abilene Christian University

I’m excited to share that I’ve joined Certified Financial Services as an Associate. I’m passionate about Financial and Wealth Management, and I look forward to helping individuals and families achieve their financial goals with confidence and clarity.

Being a professional in the industry for over 30 years has allowed Bill to use his experience and expertise to drive his clients towards wealth accumulating futures. Using innovative strategies, Bill is motivated to providing his clients with financial security, clarity, and confidence. He works closely side by side with his clients guiding them on integrating and coordinating the various aspects of their financial life.

Bill has always stayed active in his community having grown up in the area. Being a father of five, he was a former board member of Emerson Planning and Emerson Softball as well as Director of Emerson Recreation Wrestling. He enjoys golf and belongs to the Tae Kwon Do Club, where he holds a Second Degree Black Belt.

Education

• BS Finance, Seton Hall University

Licenses

• Life, Accident & Health
• Series 6, 63, 65

Bill’s accomplishments include

• President’s Council
• Leaders Club

Brian deeply believes that hard-working people deserve the things they want in their lives, but the unfortunate truth is that while most people focus on their needs in life, they struggle with creating and implementing strategies focused on their wants. In order to achieve both professional and personal success, a bulletproof, comprehensive strategy must be developed. This is what Brian does for his clients.

When asked what attracted him to do this work, Brian states that “growing up, I had the pleasure of watching my father, now 40 years in the business, work with families and business owners. I saw first-hand the impact that his work has had on their lives, which motivates me to utilize that kind of planning to make a lasting impact on my own clients.”

By focusing on financial strategies rather than financial products, Brian is able to help clients build wealth more effectively and set themselves up for greater distribution with lower tax. When not working, Brian enjoys fitness, trying new cuisines, giving back to his community and traveling at every opportunity he gets.

He earned a Bachelor’s Degree from Syracuse University and spent six years providing Emergency Medical Services for his home town Volunteer Ambulance Squad as well as Syracuse University’s Ambulance Squad as a licensed EMT. Brian currently resides in Quincy, MA.

Cathy Konner brings over 25 years of insurance and finance experience, having developed insurance strategies, seed financing, and wealth protection involving a wide range of more traditional assets. Cathy started Proviser in response to what she saw was a market void with respect to medical and dental specialists.

An avid tri-athlete, Cathy is married with three children and lives in Airmont, NY with her husband Gary.

For more information, visit www.proviser.us

Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS),  Financial Representative of Guardian, AR insurance license #6543210.

Text: 845-386-7175

Christopher Redmond grew up in Orange County, NY. He earned his BA from Hofstra University and was Vice President of Sigma Pi International. Christopher is married to his wife Kristi, who is his biggest supporter. They have two kids, Gianna, and Thomas. Christopher has a strong work ethic and prides himself on being a great problem solver. In his spare time, he enjoys golf, snowboarding, traveling, spending quality time with his family and their dog Bruno and working around the house. Christopher’s favorite sports teams are the NY Jets, Yankees, and Rangers. Christopher is a member of the New York Firefighter Burn Center Foundation, American Heart Association, and St. Jude's Children's Hospital. He enjoys working with people from all different backgrounds because he believes no two people are the same. Because of his background as a firefighter, he has been able to connect with clients from various trades, especially those centered around Emergency Services. Christopher strives to take a holistic approach to financial strategizing to help individuals and families make better financial decisions to impact their lives positively. Christopher’s inspiration comes from suffering a family loss at a young age and understanding the value of proper planning. This has become his why and motivates him every day.

Being in the financial industry for over 30 years, Cliff still very much enjoys what he does. His mission has always been to make a promise with his clients to provide them with their wants and then deliver more than what he promises. He stands to be available to his clients 24/7 to ensure that they will always find support in him.
Cliff focuses on working with small to medium sized business owners to assist them with their benefits planning as well as their personal planning objectives. He brings his clients to understand the importance of setting strategic plans in place for the future of themselves and their businesses.
On the side, Cliff works to support Victory Gallop Charity and is a member of NJ-NAHU. He is an active tennis player and looks forward to hockey season every year.
Education

BS Economics & Finance, University of Hartford

Licenses

Life & Health
Series 6

Cliff’s accomplishments include

Served on Guardian’s Executive Committee for Group Sales
Consistent Special Producer for Group Sales with Guardian

Text: 917.745.8697

Daniel Pace grew up in Haworth NJ. He attended Loyola University in Maryland. Daniel is married to his lovely wife, Carrie and they have 3 children Luca, Henry & Valentina. Daniel enjoys people and finding solutions to problems. In his spare time, you can find him skiing, playing soccer, running, cooking or reading. Daniel started his career with CFS because he wanted a career in which he would have the opportunity to have a positive impact on people's lives. Daniel works with medical professionals, small business owners, and people who care about both themselves and their families. Daniel lives by the saying: “Always Keep it Simple”. He hopes to bring a level of empathy and compassion to a person's life as every person's journey is different. He tries to assist his clients in making that journey the best journey possible. Daniel is kind & thoughtful. He has earned Guardians Advanced Disability Meeting for the past 12 years. His wife and family inspire him every day!

Dan Price has been with Guardian for over 20 years, originally working in Guardian’s New York City home office before transitioning to CFS in 2007. As an Investment Specialist, he works very closely with financial advisors to create optimal plans for their clients. Dan brings advice that only elevates the guidance that advisors provide. His added value to a financial plan can allow individuals and families to maximize their future wealth.

Dan’s down time consists of spending time with his wife and two boys and going to sporting events.

Education

• BS, Montclair State University

Licenses

• Life & Health
• Series 7, 24, 63, 66

Dan’s accomplishments include

• Park Avenue Securities VIP List

Doug Weinberger has been in the financial services industry since 1979 and has been part of the CFS team since 2000. As an specialist in his field, he enjoys sharing his knowledge with his clients in ways that help benefit their lives and give them confidence.

His greatest satisfaction is seeing the plans he helps develop deliver remarkable outcomes during times in need. Those moments are the reasons why Doug does what he does. He understands that times can get tough, but he also understands that there are reliable ways to ease those tough times. Doug’s key to providing his clients with financial stability during all stages of their lives is preparation and protection.

Doug enjoys his free time with his wife, Joanne. His interests include sports and music.

Education

• BS Marketing, Pace University

Licenses

• Life & Health

Doug’s accomplishments include

• Leaders Club, 5 years

Eric Tarlo grew up in Pompton Lakes, NJ.  He earned his associate's degree from the County College of Morris.  Eric earned the Humanitarian Award in his graduating class.  Eric grew up playing baseball and basketball.  He is married to his lovely wife.  Eric has great communication and customer service skills.  Eric loves spending time with his wife, watching sports, exercising, going to the gym, and playing guitar.  Helping others is the most gratifying thing that Eric can do.  Eric’s focus is young people who are just starting their lives with significant others, new homeowners, and kids.  He wants to help as many people as possible to avoid financial stress so that they can enjoy the good parts of life.  Eric hopes to learn as much about finances for his own knowledge and help others work toward achieving their financial.

As a well-established Investment Specialist, Erik works with many financial advisors and clients to provide them with valuable insight regarding investment advice including retirement and non-retirement savings. His guidance towards establishing more efficient futures for his clients has allowed them to live with great satisfaction and confidence.

Erik finds that as he takes his clients through the process of understanding their finances, they become appreciative and motivated to recognize the potential that their futures hold. He works hard to identify all aspects of a client’s finances and his or her risk tolerance and goals to create a unique strategy designed specifically for them.

Erik is a board member of the Boys and Girls Club of Perth Amboy.

Outside of the office, Erik enjoys time with his wife of 25 years and two kids. He has great interest in all kinds of sports including basketball, football, baseball, and hockey.

Education

• BBA Finance, University of Massachusetts

Community Involvement 

NJAWBO Mentor for FDU Women in Business Program

Kiwanis Club of Parsippany

Parsippany Chamber of Commerce Morris Chamber of Commerce

Make-A-Wish® New Jersey

NJ Alzheimer’s Association Eminae Network

Education

• BS Finance, Seton Hall University

Licenses

• Life, Health & Accident
• Long Term Care
• SIE
• Series 7
• Series 66

Podcast

•  Money Mistakes Women Make

As a former overseas recruiter of health care and I.T. professionals, George saw the need to help individuals find ways to maximize their current and future assets that can provide protection and enjoyment of life.

Today, George works with his clients to help them realize financial freedom by providing a comprehensive approach based on a commitment of sound financial strategies, attention to detail, a service-oriented focus and “state of the art” ideas. His goal is to protect and preserve his clients’ lifestyles, assets and loved ones. While the strategies for each individual may be different, the goal is always the same – to help provide the financial stability that could be achieved.

George specializes in working with healthcare and IT professionals, in addition to small businesses. He relates financial services to his passion for music. The melody is the foundation of a song with added verses and a chorus to create rhythm and find clarity of the song’s meaning. Life works the same way. There should be a structured strategy to lay as the foundation for the ability of identifying all the possibilities that the future can hold from wealth accumulation to confidence and protection.

After leaving the Philippines in 1984, George moved to New Jersey where he resides with his wife and three boys. Their shared interest in music allows them to keep a close bond.

George Siderias began his career with Certified Financial Services (CFS) as a Field Representative in 2004. He later became a Managing Director at CFS. He held this position for three years, at which time he left to pursue an entrepreneurial opportunity in one of his personal passions: mixed martial arts. From 2007 to 2011 he owned, developed and managed one of the most profitable Tiger Schulmann’s franchises in the country.

In 2011, after a bout with a life-threatening illness, George returned to his career at CFS where he has turned his passion for helping students reach their martial arts goals into a passion for helping clients meet their financial goals. Focusing on personal planning, business planning and employee benefits, he works with a proprietary tool, The Living Balance Sheet®, to comprehensively educate and strategize with his clients on the most beneficial plan for their situations.

Within a year of rejoining CFS, he was selected for the Guardian Leadership Institute. George has also received the Client Builder Award, the Platinum Presidential Citation Award and achieved Leaders Club.

George’s passion for helping others extends to the community, where he co-chairs the annual American Cancer Society Northern New Jersey golf outing. He is also the chairman of the Paramus Chamber of Commerce and President of the Education Foundation of Paramus.

George, his wife, Amanda and baby girl, Brooklyn, reside in Bergen County, NJ where he enjoys spending time outdoors at the Jersey Shore and indoors as an active cross fitter.

George's accomplishments include

• Guardian Client Builder Award
• Platinum Presidential Citation Award
• Guardian Leaders Club

Growing up, I saw how a lack of financial literacy can affect families, and that experience became the driving force behind my career. I chose to enter the financial industry to help change that — to give people the clarity, confidence, and support they often don’t get when it comes to money. As a Financial Representative at CFS, I work with individuals and families to look at the bigger picture and create strategies that make sense for both their present and their future. What motivates me most is seeing the stress lift when someone feels more in control of their financial life.

I am passionate about helping individuals, families, and small business owners reach financial clarity and freedom.

As a first-generation American, I understand how overwhelming financial decisions can feel when clear guidance is not always available. That experience shaped my commitment to helping others, especially women and entrepreneurs, feel informed and supported as they navigate important financial choices.

I earned my Bachelor’s degree in Finance from The College of New Jersey and began my career with an internship at Certified Financial Services, where I built a strong foundation in financial strategizing and client support.

Today, I focus on helping clients understand their options, protect what they have built, and make thoughtful financial decisions that can help support long-term stability.

SCHEDULE A MEETING WITH JAMES

James Feminello entered a career in financial services because he saw the unique opportunity to help families and business owners create strategies that could ultimately lead to accomplishing their short- and long-term financial goals. Having witnessed, first-handedly, the positive work that CFS has done for his family, James became passionate about the planning process that people go through to ensure they feel confident about their futures. He works with individuals and families to reduce financial stress and educate them in ways that allow them to realize their true potential earnings and possible future outcomes.
James works with a team of specialists that opens him up to diverse knowledge, tools, and resources. Additionally, James utilizes a single-access comprehensive tool called The Living Balance Sheet® that allows clients to visualize and understand how every part of their financial world is working together, focusing on the four domains of a financial life: Protection, Cash Flow, Assets, and Liabilities. That access to specialized knowledge, tools, and resources allows James to provide the most effective solutions for his clients with virtually very little limitations. Together, he and his clients can strategize on the most appropriate course of action to meet their goals.
Born and raised in Hudson County, James enjoys spending time with his wife, family and friends. Even after 13 years, his passion for cooking has only grown deeper as he spends much of his leisure time creating delicious cuisines for those around him. As James says, “no matter how good a chef you are, the joy is always cooking for others.”

Licenses

• Life & Health

Schedule a Meeting with Jared

Jared has been with CFS since he was 18 years old, initially as an intern before making the transition to a full time associate. He has consistently demonstrated true characteristics of what a Financial Advisor should be. He is a dedicated, reliable professional who works hard to help his clients, specifically physicians, dentists, and others in the medical field, find maximum value in their lives to flourish financially. He is a coach, helping his clients navigate through the financial myths and misinformation so they can make properly informed decisions based on facts, not opinions. Jared’s greatest satisfaction comes from the thought that knowing his clients will live their future with confidence – nothing is based on hope.

Jared enjoys staying active in his downtime playing golf or basketball and will always find time to hang out with his family and friends.

Education

• BS Finance, Minor Economics, University of Connecticut

Licenses

• Life
• Accident & Health
• Series 7, 66

Jared’s accomplishments include

• Berkshire Advanced Disability Meeting, 7 years
• Guardian Leaders Club, 7 years
• New Agent of the Year, 2014
• Guardian President's Council, 2021

As a financial advisor, Jason helps his clients enrich their lives through complete financial organization and coordination. By employing cutting-edge strategies, his clients can maintain and move towards an improved level of financial balance. Acting as an advocate by providing sound financial recommendations, Jason collaborates with a well-established team to offer clients the highest level of professional guidance and wealth management.

Jason’s passion for helping others extends to the community. He was a past President of the AHEPA American Hellenic Educational Progressive Association, a past Parish Council Member of his church, and the founder and chairman of his church’s charity golf outing.

Jason resides in Wyckoff, NJ, where he enjoys spending free time with family, doing charitable work, playing golf, and engaging in educational pursuits.

Education

• BS Business & Organizational Communication, Cum Laude, Montclair State University

Jason’s accomplishments include

• Guardian Client Builder Award, 2013

Licenses

• Life and Health
• Series 66 & 7

Jeff began his career at Connecticut General Life Insurance, which later became CIGNA, in 1981. He later joined Guardian in 1989 and in 1993, Jeff was appointed Sales Manager. He served as an Associate General Agent and the Executive Vice President of Training at Certified Financial Services, LLC until 2020. Jeff has lectured across the country and has appeared at Top of the Table.

In addition to his individual practice, Jeff guides CFS associates towards identifying a clear vision for their career paths. He also coaches and partners with them on introducing business owners to Wealth Steps, a company-sponsored wellness program. Jeff finds that Wealth Steps is an efficient way to bring financial literacy into the lives of many and make the public more aware of various financial planning misconceptions of effectively planning and saving for the future.

Jeff is married to his wife, Debbie and together they have three children and 2 grandchildren. He enjoys golf, tennis, music and traveling.

Education

• Boston University

Licenses

• Life & Health
• Long Term Care
• Series 6, 63, 65, 66

Jeff’s accomplishments include

• Guardian Leaders Club
• Guardian President Council
• Platinum President’s Citation Award

Jeff Benowitz is a well-established financial representative of over twenty years in the industry. His business in the medical and dentistry industries has enabled him to generate positive value for his clients’ practices. He works meticulously to bring change to people’s lives by alleviating the stress they feel revolving around financial decisions. Jeff’s competency is heightened as he observes, identifies, and establishes strategies that are specific to the client he is working with.

Using uncommon approaches, he is dedicated to educating his clients so that they recognize and utilize the suggested strategies to protect themselves against elements that can negatively impact their financial world. Through Jeff’s guidance, they learn how to accumulate wealth and how to access their own wealth correctly.

Jeff is a member of the NAIFA and AALU.

He has been married to his wife, Kathy, for 20 years and enjoys the company of his two beautiful children, Reilly and Hannah. Jeff’s interests include movies, reading, and coaching his kids’ sports teams.

Education

• BA, Clark University
• CLU, ChFC, The American College

Licenses

• Life & Health
• Series 6, 63

Jeff’s accomplishments include

• President’s Council, 15 years
• Centurion Award Winner, 17 times
• Praetorian Award Winner, 3 times
• Triple Crown Award Winner, 8 times
• Leaders Club, 17 years

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Schedule a Meeting with Jill

Jill has built an impressive career as a musician and college professor. She followed her passion for financial wellness into personal finance as a financial advisor. Through education and compassion, Jill works to change the lives of her clients for the better, helping them recognize their financial potential. Jill is a Registered Representative and Financial Advisor with Park Avenue Securities. Jill, her husband Gary, and their son reside in West Milford, NJ exploring nature, snowboarding, and spending time with family and friends.

Education

• BA Music, Indiana University
• Honors MA Music, Mannes College of Music
• Doctorate in Music, Graduate Center, City University of New York
• Elebash Fellowship

Licenses

• Life, Accident & Health
• Series 7 & 66

Jill's Articles

• Newlyweds Financial Checklist
• Retirement Savings Tips for Millennials and the Rest of Us

Jordan Strickland: My background in healthcare gave me a unique perspective on how financial well-being can influence overall quality of life, including physical, mental, and emotional health. That experience continues to shape how I approach working with individuals and families.

I come from a close, family-oriented environment as one of four siblings,
and being involved in my nieces’ and nephews’ lives has strengthened my interest in helping families stay organized and intentional with their finances. I work with clients to develop strategies that align with their current priorities and long-term objectives.

As life changes, financial needs often evolve as well. I aim to support clients through different life stages by providing guidance and helping them navigate important decisions along the way. I value building meaningful relationships and working collaboratively with clients as they plan for the future.

Joe Rivara is an experienced financial professional, having been in the industry for over 35 years. He works with small business owners, supporting them in the planning process to reach their financial goals. Joe makes sure to educate his clients, provide them with knowledge, and in turn, create effective wealth maximization and protection strategies for an optimal future outcome.

Education

• BS Accounting, Boston College
• CPA*

Licenses

• Life & Health
• Series 7, 65

Justin Miller was born and raised in Bergen County, NJ. Justin joined the United States Coast Guard straight out of high school and served for about 6 years. After serving his country, he earned a BS in Finance from Ramapo College. Justin has always had a passion for helping people and is very excited to keep pursuing that passion by helping those reach their financial goals. He started his career with CFS as a Summer Associate in 2022 and worked as a broker while finishing his degree.  Justin’s mission is to empower individuals, families, and business owners to become the greatest financial versions of themselves through a macroeconomic planning process focused on coordinated and integrated strategies including asset protection, wealth accumulation, and wealth distribution.

In his spare time, Justin enjoys playing golf, spending time with his girlfriend, family, and friends, and watching sports. He also loves to travel and anything that has to do with being on or near the water. In the summer, you can find him either on a dock, on a boat, or sitting on the beach. 

With more than 25 years of experience in the financial services industry, Kester focuses on helping his clients make better financial decisions with respect to building and preserving wealth. He helps individuals and small business owners construct and build dynamic and customized financial strategies. Kester works one-on-one with his clients and takes an active role in shaping their financial futures.

His wife and three children are the center of Kester's life, he exudes that way of thinking when engaging with clients. He works on building strong relationships with them and considers them family. Kester finds great satisfaction in knowing that his clients can count on him, trust him, and rely on him whenever he is needed.

While giving back to his community, Kester chaired the Board of Directors for Veritas Therapeutic Community for 5 years.  He also chaired the Board of Directors for Somerset Community Action Program for 3 years.  Kester is also involved in his church community where he chairs the Finance Council.   

Kester enjoys traveling with his family and creating new experiences. One place he frequently travels to is Grenada, where he was born, to visit family and friends. In his down time, Kester enjoys golfing and coaching his kids. 

Licenses

• Life & Health
• Series 6, 63

I assist individuals, families, and small business owners in achieving financial balance through asset protection, wealth creation, and distribution strategies. My goal is to help clients maximize their money's efficiency, build financial confidence, and secure their future. Using a holistic planning process, I organize clients' financial information, develop tax strategies, and provide a comprehensive approach to managing finances. This unique process leads to increased control, confidence, and security for your financial future.

Leo Matarazzo was previously a Partner at a leading law firm, representing families, professionals and closely held businesses in all aspects of tax and estate planning as well as business succession planning.

As a financial representative, Leo applies his expertise in those related areas and uses a unique consultative approach to address wealth-eroding factors such as taxes, market volatility, lawsuits and inflation, in addition to unexpected life events.

Using customized insurance strategies and related planning, Leo, along with his team of established professionals, helps clients to attain a greater level of protection while accumulating, accessing and distributing their wealth in a tax efficient manner. Through Leo's experience, his clients are able to gain full confidence that they have fully protected themselves, their families, their businesses and their future.

Leo has co-authored various articles and blogs in publications including Law360, New York Law Journal, New Jersey Law Journal, The Advisor, and Tax, Trusts & Estates Law Monitor.

Leo is a resident of Wyckoff. When not in the office, he enjoys spending time with his wife and four children. Leo is also actively involved with the Columbia University Men’s Soccer Alumni Group.

Education

• BA Economics, Columbia University
• JD, Rutgers University School of Law
• LLM, Taxation, New York University School of Law

Mark Mikhail grew up in Hackensack, NJ. He graduated from the Anisfield School of Business at Ramapo College of New Jersey where he majored in Economics and Finance. In his spare time, Mark enjoys cooking, music, reading, fishing, sports, and spending time with family & friends. He is a member of the Finance Club of NY and the Paramus Chamber of Commerce.

Mark aims to help business owners and young professional build the greatest version of their financial lives. Mark is grateful for each day and strives to get at least 1-percent better every day. Before starting with CFS, Mark worked as a Portfolio Strategist and Analyst at a Boutique Wealth Management firm where he worked with UHNW clients. Mark’s career goal is to spread financial knowledge and educate his clients so that they can take action, ignore outside noise, and attain financial success.

Education:

• BA, Economics
• BS, Finance

Licenses:

• Life
• Accident
• Health

Accomplishments:

• Diamond Client Builder

Martel Francois was born and raised in Brooklyn, NY, and he graduated from John Jay College with a major in Legal Studies. Passionate about connecting with people and problem-solving, Martel enjoys spending quality time with his family, traveling, and exploring menswear in his spare time.

As a member of the Look Good Feel Good Program, he is dedicated to uplifting youth and providing them with the tools for career readiness. Martel aims to focus his business on supporting young families and small business owners, striving to make a positive impact in their lives. His mission is to educate consumers and help them make informed financial choices.

Martel is known for his genuine nature, leadership qualities, and trustworthiness. His wife and son inspire him to give his best every day.

Matthew was motivated to become a financial representative to educate and inspire young professionals to take control of their personal finances and achieve their long-term goals. His objective is to help navigate his clients through the myths and misinformation in the financial marketplace and position them with the most efficient solutions. Matthew is focused on working with young families with children to care for to prepare them for all stages of their lives. He strives to give his clients confidence throughout the entire process.

Matthew grew up in Greenwich, Connecticut where he still resides today with his family. Matthew enjoys golfing in the summer and shooting around on the basketball court in the winter.

Education

• BA Economics, University of Connecticut

Licenses

• Life, Accident & Health

As a driven finance professional and graduating senior at Ramapo College of New Jersey, I combine strong analytical skills with a passion for client-focused financial strategies. With hands-on experience gained through my internship at Certified Financial Services, I have worked closely with clients to analyze their financial situations and deliver tailored solutions to meet their unique goals. I’ve developed a deep understanding of financial products and strategies. My academic background includes a Bachelor of Science in Finance from the Anisfield School of Business at Ramapo College, complemented by an Associate of Science in Business Administration from Bergen Community College. I’ve honed my financial skills by managing a mock portfolio, achieving a 16% return, and studying corporate finance frameworks like capital structuring, working capital management, and dividend policies. Beyond academics, I bring a strong work ethic and teamwork mindset, shaped by years of professional experience in customer-facing roles and operations management. From inventory tracking and employee training to process optimization, I consistently aim to exceed expectations while fostering collaboration and efficiency. My goal is to leverage my communication skills, strategic problem-solving, and financial savvy to build lasting client relationships and drive impactful results in the finance industry. Let’s connect to discuss how I can add value to your team or organization.

Melvyn has established himself as a reputable financial advisor, having been in the industry for over 55 years. His successful path was paved on the basis of helping people create better lifestyles through various strategies. Mel also supports CFS associates a Disability Income Specialist. His extensive knowledge has become a valuable asset when helping his team work towards the most effective solutions for their clients.

Mel enjoys a beautiful life with his wife, Jeri, son, Matthew, and daughter, Rachel. He is constantly finding new places to travel to during the New York Rangers off season where he is proud to be a season ticket holder for more than 55 years.

Education

• University of Rhode Island
• Certified in Long Term Care (CLTC)

Mel’s accomplishments include

• Million Dollar Round Table Member
• Guardian Leaders Club, 40+ years

Michael DiGirolamo started in the CFS Internship Program before joining the team as a full-time Financial Representative. The internship made an impact on his career path as Mike recognized how this profession allows him to educate, guide, and protect families, individuals, and businesses in many aspects of their lives. His growing passion for the industry immediately coincided with his personality to help others.

Mike has been dedicated to building his practice around integrity and loyalty – motivated to stand by his clients and provide them with highly-efficient strategies that produce optimal outcomes for the future.

In college, Mike received the Anfield-Meyers Endowment Scholarship Award for maintaining high honors as a finance major.

Mike grew up in Bergen County with his sister and two brothers. He is an avid New York sports fan and enjoys playing sports in his free time.

Education

• BS Finance, Ramapo College of New Jersey

Licenses

• Life & Health

Michael has been in the Financial Industry for over 35 years and has maintained relationships with his clients that allows him to personalize financial plans unique to the individual. His goal is to provide holistic financial services, enhancing the value of the businesses that he works with. Michael’s philosophy specifically addresses “The Other Side of the Equation”, the part that is blurred in the complexity of real life; how do I get the property I have created to work as hard and efficiently as I do?

Michael Marquez is a financial representative at Certified Financial Services, serving individuals, families, and business owners nationwide. With a strong commitment to helping clients gain financial clarity and long-term confidence, he focuses on designing personalized strategies that protect assets, support wealth accumulation, and promote financial independence. 
 
A graduate of Berkeley College with a degree in International Trade, Michael brings a results-driven, relationship-focused approach to his practice. He specializes in working with business owners, medical professionals, and members of the Spanish-speaking community, offering tailored financial guidance to meet their unique needs. 
 
Michael draws deep personal inspiration from his mother’s hard work and unwavering dedication to providing for their family. Her example continues to fuel his mission: to help others protect what they’ve built and create a more confident future for their loved ones. 
 
Outside of his professional work, Michael enjoys spending time with his wife, Jessica, along with his goddaughter, Mina, and niece, Amaya. He is also passionate about cooking, music, and sports. Grounded in family values and driven by a commitment to service, Michael brings heart and clarity to every client relationship. 

Michael entered the financial services industry in 1989 and has gained extensive experience in financial planning, public accounting and investment and commercial banking. He works with both individuals and businesses providing strategic solutions for a variety of financial issues. Michael prides himself with his comprehensive and personalized approach in providing value to his clients. His ability to simplify and explain complex financial, business and estate planning strategies makes him an invaluable and trusted advisor to his clients. He is passionate about his clients, making sure that he brings financial truth to their lives.

Michael is active in his community and volunteers with fund raising activities for various charitable entities in Rockland County. In his spare time, he enjoys spending time with family and friends and participates in a variety of athletic activities. He resides in New City, NY with his wife and three daughters.

Education

• BA, SUNY Albany
• MBA, Baruch College

What if you took a step back and looked at your entire financial picture. Would you feel confident knowing you and your family are protected in the most efficient way possible? If there’s even a small gap or unanswered question, chances are it’s worth a closer look. I work primarily with medical and dental professionals, helping them step back, see the full picture, and build strategies tailored to their specific goals, careers, and lifestyles. My approach is practical and educational, I want you to truly understand the strategies we put in place and feel confident using them. Together, we focus on protecting what matters most, growing your wealth intentionally, and making sure you know how to access and use that wealth when the time comes. One of the biggest priorities we address is protecting your most valuable asset, your ability to earn an income, and making sure it’s safeguarded properly. My goal is simple: help you reach your goals with clarity and confidence. If you’re open to a conversation about how to strengthen and simplify your financial life, I’d be happy to connect!

I’m a Financial Advisor at Certified Financial Services, where I focus on helping young professionals build a strong financial foundation early in their careers. My approach is education driven and strategic. I believe people make their best decisions when they clearly understand their options, so I take the time to walk through concepts, answer questions, and create clarity around every step of the planning process. Relationships are at the center of my work. I’m committed to long‑term partnerships and being a consistent resource as clients navigate new milestones, challenges, and opportunities. Whether someone is making their first major financial decisions or planning for long‑term security, I aim to make the process straightforward and confidence‑building. Outside the office, I’m an avid skier and someone who loves staying active. I also play padel regularly, which has become one of my favorite ways to stay competitive and connect with others.

To Richard, it’s all about the vision. As an enthused photographer on the side, he puts clients’ futures into perspective through a wide-angle lens. He works with individuals and business owners who are motivated to ensure the future success of those whom they love. It is through Richard’s experience of being in the financial industry for over 40 years that he, along with his team of professionals, can motivate his clients to act on a positive financial path. He emphasizes the fact that financial decisions are made for protection of the future and it is important to work with strategies that do just that.

Richard prides himself in his ability to communicate difficult concepts to his clients. He has a unique ability to truly listen to what people are saying that helps get them to their most optimal situation.

Aside from helping his clients, Richard is a member of the AALU, NAIFA, and MDRT. He and his wife, Millie, have raised two children, Robert and Lily. Robert and his wife, Heide, live in Vienna, both in the computer security field and Lily teaches high school Social Studies in Westchester County. Along with photography, Richard finds enjoyment in cooking and traveling.

Education

• BS/BA, Boston University School of Management
• CLU, ChFC, The American College

Licenses

• Life & Health
• Series 6, 22, 63, 65

Richard’s accomplishments include

• Guardian Leaders Club
• Guardian Presidents Council

For more information on Richard Jasper, visit www.richardjasper.com

Being an active and committed member of the community, Rich has always strived to be the best he could be for others around him. Throughout his life, Rich always found himself in positions where he could help others. As a former nurse, Rich was responsible for taking care of his patients’ physical well-beings. He transitioned into a financial professional role with CFS after having been a client for several years and seeing a greater opportunity; Rich understood the powerful work done in financial planning to alleviate stress so his focus shifted from caring for a person’s physical well-being to caring for their emotional and financial well-being.

Rich acknowledges that, all too many times, people find themselves feeling controlled by their bills and finances. Being an empathetic person, he shares his personal and professional experiences and knowledge with others so that he can help them find the balance they need to take full control of their money, and, subsequently, their lives. Together with his clients, Rich navigates through various challenges using holistic financial strategies that combines insurance/protection vehicles with wealth accumulation strategies.

With family and happiness being the focal point of Rich’s life, he is passionate about educating others on financial topics that can relate to ways in which they can reach their individual, family, and/or business goals and live their definitions of success and happiness.

At his leisure, Rich always enjoys a nice trip to the beach with his family or to his personal favorite: Disney World.

Education

• BS Biology, Ithaca College
• BS Nursing, College of Mount Saint Vincent

Licenses

• Life
• Accident & Health
• Series 7
• Series 66

Bob Jaffe looks to provide financial guidance and support to families, individuals and businesses of his local community. Being in the financial industry for over 15 years, Bob has specialized knowledge working with individuals and business owners within the dental market. The most satisfaction that Bob gets out of being a financial advisor is the creation of ongoing relationships with his clients. His mission is to be the person you can look to for unbiased advice for any and all financial decisions.

Bob pursued hockey during his teenage years and continues to be a part of the competition as he coaches youth travel hockey where he enjoys watching his two boys take the ice. He relates the journey that he takes his team on to win the championship to the journey he takes his clients on to find success in their lives. It all comes down to the right coaching and education that allows you to get through all the obstacles to score the best situation for your well-being.

In addition to his satisfying career, Bob will never miss a chance to enjoy a beautiful day going on outdoor adventures with his wife, Robyn, two boys, Cameron and Kyle, and two dogs, Marty and Elly. Bob was born and raised in Bergen County and continues his involvement in the community as a member of the Ramsey Chamber of Commerce. 

Education

• BBA Finance, Pace University

Bob’s accomplishments include

• Guardian Leaders Club
• DI Circle of Excellence Hall of Fame Inductee

Robert Lax grew up in Warwick, NY.  He graduated from Wesley College with his bachelor’s degree.  Rob is married to his beautiful wife, Kristen and they have 3 wonderful children, Landon, Colton, and Emma.  Rob is an avid sports fan and loves to spend his spare time golfing with friends and family.  He can’t wait to get his boys out on the course with him! 

About 2 years ago Rob transitioned into a finance career.  Growing up, always having close family ties with CFS, he knew it was the best choice for him.  Being able to work with people who you consider part of your family makes working that much more enjoyable.  Rob’s family is why is does what he does.

The process Rob will take his clients through is a truly holistic consulting process. It is his belief that one does not just have a 401(k)/retirement plan, a home and mortgage, insurance policies, businesses, etc. What we all have is a personal economy and those items serve to make up that economy. These all must come together in a coordinated and integrated way to appropriately address all the obligations, opportunities, and threats that exist in life. There are internal and external forces working in our personal economies, forces we can control and forces we cannot, forces seen and forces unknown. Our personal economies are constantly evolving and changing. This makes planning a work in progress.  Rob’s role for his clients is to educate and lead them to become the greatest financial version of themselves. His job is to make your strategizing as easy for you as possible.

Education:

• Wesley College

Licenses:

• Life
• Health

Ryan was born and raised in Somerset County, NJ where the values of hard work, family, and integrity were instilled in him early on. He earned his MBA from Northeastern University and his Bachelor of Business Administration from Wilkes University, where he also played four years of football as a linebacker, shaping his discipline, leadership, and team-first mindset.

Today, Ryan is the owner of his strategic financial services practice with Certified Financial Services, driven by a deep passion for helping others build financial confidence and long-term security. He joined CFS to take ownership of his future and create his business rooted in purpose and value. For Ryan, it’s about more than numbers; it’s about empowering families and business owners to make informed decisions that support their goals, protect their legacies, and reduce financial stress.

Outside the office, he enjoys staying active at the gym, cooking for friends and family, and spending quality time with his wife, Tiffany and two kids, Camryn & Jordan. Whether he’s hosting a backyard get-together or coaching his children through life’s early lessons, Ryan brings the same energy, accountability, and heart to every role he plays. His mission is simple: to change the way people think about money. His process is approachable, strategic, and deeply personal with the goal of each client walking away with a well-constructed, coordinated and thoughtful plan.

Samantha Konner shifted her career path from being in the Hospitality Industry to joining the Financial Services Industry, and with good intent. After a decade in the Hospitality world, an industry that she truly loved, Samantha realized that she was working a job that was no longer satisfying her desire to create experiences. Recognizing that her mother’s practice had become successful in helping others throughout the duration of their lives, not just for a weekend or a night, Samantha decided that her career path should be one of just that - helping others to protect and prosper in their lives.

Samantha joined her mother, Cathy Konner, in her practice to work with professionals uncover financial plans that bring security, clarity, and wealth maximization strategies to their futures. Their now joint practice, The Proviser Group, is a part of CFS, one of the largest individual financial services firms in New Jersey. 

With her hospitality roots, Samantha is hyperfocused on the relationships she makes with her clients and how she can best serve and assist them. After a connection is made, her role becomes that of a trusted and valued Financial Specialist who is the quarterback of all financial aspects. The goal is to create efficiency and effectiveness while reaching great success to create an exceptional financial lifetime experience.

Samantha is involved in the community as she works with Table to Table to deliver food to those in need and is a member of CASA for Children of Bergen County.

Education

• BS Hospitality and Tourism Management, San Diego State University

Licenses

• Life & Health
• Property & Casualty

Samantha's accomplishments include

• Leaders Club
• DI Next Generation Award 2019

 Learn more about Samantha at www.proviser.us.

SCHEDULE A MEETING WITH SHARON

Sharon values a Protection First Philosophy of ensuring that what you have today, and gain tomorrow, will not be exposed to risk. She acts as an advocate in guiding her clients, specifically medical professionals, and families, to financial success by building and protecting a sound financial foundation for the future. Sharon makes sure to educate her clients on financial literacy, so they understand the strategies that are being suggested to create financial balance. Her goal is to help professionals build wealth, while making sure they are protecting their ability to earn an income. 

Education

• Bachelors of Science

Licenses

• Life & Health

Sharon’s accomplishments include

• Disability Inner Circle Award
• Leader's Club
• Centurion Award

With over 23 years of experience at Certified Financial Services, Steven is a trusted financial professional specializing in life insurance strategies.

Guided by a “protection first” philosophy, Steven helps clients build financial strategies that minimize risk, avoid unnecessary taxation, and create liquidity — all while ensuring a solid foundation is in place to safeguard what matters most.

A 9-time Leaders Club and Executive Club qualifier, Steven has consistently been recognized for outstanding performance and dedication to client success.

Steven resides in Haworth, New Jersey with his wife, Alexis, and their two children, William and Lucy. Outside the office, he enjoys coaching his kids’ sports teams and spending his free time playing golf, basketball, and running.

Education

• BA Communications, University of Maryland

Steven’s accomplishments include

• Guardian Leaders Club, 4 years

Schedule a Meeting with Will

William’s career in financial services began with CFS in 2013. He saw an opportunity to help people make better financial decisions to positively impact their lives. Primarily working with medical professionals, executives, and small business owners, his business has enabled him to generate positive value for his clients. Financial decision-making can be stressful, he recognizes this and works diligently to alleviate these stressors by educating them on strategies to create financial independence, accumulate wealth, and access wealth later on in life. Thus, giving them a sense of balance and financial stability throughout their careers and in retirement.

William is a member of the Warwick Valley Chamber of Commerce and the Warwick Valley Country Club. He loves being a part of the outdoors going snowboarding, golfing, and mountain biking. He also enjoys hikes with his golden retrievers, Charlie, and Tucker. He married the love of his life, Amanda in May of 2019. In October 2021, they welcomed their son Jackson into their family.

Education

• BBA Management, Marywood University

Licenses

• Life, Accident & Health
• Series 7
• Series 66

Accomplishments

• Leaders Club 2019
• Leaders Club 2020
• Leaders Club 2021
• Leaders Club 2022
• Leaders Club 2023

Known for Financial Triage, Frank possesses the art of knowing what to do in the proper order. Thus helping clients prioritize fiscal decisions.

His mission is to enable people to make well-informed financial decisions. A protection-first philosophy ensures what you have has limited exposure to risk. The confusion & misconceptions prevalent on the internet makes proper guidance essential.

Frank moves families to an elevated level of financial organization & coordination. Clients come away with improved understandings of how monetary products really work and the role each instrument plays in an overall custom strategy.

His unique process provides a 1 page wide-angle view of one’s entire financial picture. The first step is performing a protection audit to eliminate failure as an option. Then, sharing a process to optimize wealth, protect & enjoy assets, and pass on a legacy to the next generation.

Frank has been with CFS since 1991. Happily married with 2 sons & a daughter. He is a former sports coach and supports children’s charities.

Frank’s accomplishments include

• Guardian Leaders Club, since 1992
• Guardian President Council

Articles

• Think Twice Before Funding That 401(k) by Kathy Gilligan

Michael Palumbo was born and raised in Bridgewater, New Jersey. He earned his bachelor’s in communications from Kean University in 18 months. After graduation, Michael helped control the finances of his family business, giving him life experience in the business world. His mother unfortunately had to step down as owner due to unforeseen back surgery. She was then advised to sell her businesses to have a healthy retirement. It was during this time Michael started to research more about the financial services industry. After learning if they had the proper insurance in place, not just investments, his mother would have never sold the business, and she would’ve received her salary tax-free until she was 70 years old. That was the conviction he needed to start his career in the industry.

After being in the shoes of his clientele, Michael is extra attentive to his clients, focusing on their core mission using active listening. The business he created strives to teach his clients the proper developments for a stable financial future. During his 6-year career, he became a specialist in small business strategies government pensions/benefits, and corporate benefits with a large focus on 401k/RSU/ESPP options. His mission for his practice is to create efficient ways to grow with integrity and courage. When we plan together, we win together!

As a financial representative of more than thirty years, Michael has found great satisfaction in providing his clients with valuable knowledge that enables them to optimize their goals and objectives. Fascinated by the healthcare and biotech industries, Michael focuses his core competencies on medical professionals by inspiring and guiding them to obtain financial balance. One of the greatest rewards in his career has been the enjoyment of establishing close relationships with many of his clients throughout the country.

Michael was born in New Mexico and moved across the country to grow up in New Jersey, close to his family in Brooklyn, NY. He studied martial arts and enjoys fitness and nutrition. Michael is also on the board of trustees for the Medical Needs Foundation. He and his wife have been married for over 28 years and is a father to two beautiful children.

Education

• BS Marketing & Management, Montclair State University
• College of Financial Planning, Denver CO

Licenses

• Life, Accident & Health

Michael’s accomplishments include

• Guardian Leaders Club
• Berkshire Life Inner Circle

Robert is an established financial representative having been with CFS for over 25 years. His protection-first philosophy showcases his efforts as he takes a wide-angled view of his clients’ finances to help minimize risk, utilize tax strategies, and create greater liquidity. Robert works closely with small businesses, partnerships, and professional corporations as well as individuals and families in helping them achieve and maintain financial balance through the use of life insurance and vehicles. Additionally, he has knowledge in implementing and servicing small group health plans for employers ranging from 1-50 employees. All that Robert does is to help his clients achieve financial stability, either in their businesses or personal lives.

Along with his professional career, Robert is involved in the Cure Breast Cancer Foundation (CBCF).

He has been married to his wife, Pamela, for over 25 years and together they have raised two boys, Zackary and Jake. Robert plays basketball and golf in his down time. He is an assistant coach for the boys varsity basketball team at Manchester Regional High School in Haledon, NJ.

Education

• BS Finance, University of Massachusetts

Licenses

• Life, Accident & Health
• Series 6, 63

Robert’s accomplishments include

• Guardian Leaders Club, 5 years
• Guardian Group Pensions Leadership Award, 1996

Ken has been a Financial Advisor for over 32 years. His practice is focused on building long-term relationships with high net-worth clients and closely-held business owners. He works with client families to develop an overall financial strategy and execute their wealth management plans, including investments and integrated tax and estate planning. In addition to managing their financial investments, Ken works with families and business owners to develop wealth transfer strategies. A significant part of Ken’s practice involves establishing and servicing retirement plans for businesses and individuals. He is licensed in 26 states and he earned the Certified Financial PlannerTM designation in 1990.

Ken lives in Brick, NJ with his wife of 30 years, Lori. They enjoy spending time with their three sons.

Education

• BS Business Administration, Montclair State University

Licenses

• Life and Health
• Series 6, 7, 22, 63
• Series 24, 26

Community Involvement 

NJAWBO Mentor for FDU Women in Business Program

Kiwanis Club of Parsippany

Parsippany Chamber of Commerce Morris Chamber of Commerce

Make-A-Wish® New Jersey

NJ Alzheimer’s Association Eminae Network

Education

• BS Finance, Seton Hall University

Licenses

• Life, Health & Accident
• Long Term Care
• SIE
• Series 7
• Series 66

Podcast

•  Money Mistakes Women Make

Rebecca Novin-Cannon, J.D., CExP, is an accomplished financial strategist, business advisor, investment specialist and former litigator.   She is the Founder and President of Novin Cannon Financial Group, a leading boutique financial services and wealth management firm in Northern New Jersey.  Becky has over 20 years of experience coaching successful high net worth individuals, business owners, entrepreneurs and C-Suite executives across multiple industry sectors, and has a deep interest in advising women corporate leaders.   She is able to translate and communicate complex financial concepts, estate planning considerations and investment strategies clearly and concisely, and tailors thoughtful recommendations to each of her clients.  In addition, Becky engineers business succession strategies and provides tax efficient financial advice.  

Becky founded Novin Cannon Financial Group after excelling as a top advisor at Certified Financial Services, one of the largest private firms in New Jersey, founded in 1986.  She currently manages over $600 million in life insurance coverage on her clients*, and has since 2015 qualified for the President’s Council, Guardian Life Insurance Company of America’s elite group of producers ranked among the top 1% of all company representatives in the U.S..

Becky shares her experience, knowledge and ideas to empower her clients to ‘live clearly’ and make critical wealth decisions based upon facts.  She takes a holistic, integrative approach, coordinates all facets of a client’s personal and business finances, and strives to create personal economies that can produce long term wealth, abundant retirement income, tax efficiency, minimal cost, curtailed risk and enhanced legacy protection.  Her clients know she has as much concern, care and passion for their long-term personal and business financial success and well-being as she has for her own.

Becky is also passionate about giving back to professional women, advancing women’s leadership, advocacy and mentorship in business, and shattering glass ceilings everywhere.  She serves as host of the Live Clearly Podcast, where she discusses wealth strategies that help listeners achieve their maximum financial potential and live a healthy, extraordinary life.

Earlier in her career, Becky was a litigation specialist at a boutique law firm. She is a graduate of the University of Michigan and the Benjamin N. Cardozo School of Law.

Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 52 Forest Ave, Paramus, NJ 07652, 201-843-7700. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of Guardian Life Insurance Company of America (Guardian), New York, NY.  PAS is a wholly-owned subsidiary of Guardian. NOVIN CANNON FINANCIAL GROUP LLC is not an affiliate or subsidiary of PAS or Guardian. Not practicing JD for Guardian or its subsidiaries or affiliates.  CA Insurance License Number - 0M69988.