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Richard D

AIF®, ChFC®, CRPC®

Paramus, NJ

LPL Financial

Richard Dragotta is a financial advisor at LPL Financial with 34 years of industry experience. multiple securities licenses and industry designations and has worked at LPL Financial since 2003, Dragotta serves as a FINRA arbitrator in a non-public capacity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by research, model portfolios, and technology-driven strategies.

Wealth management Retirement income strategy General estate planning guidance Trust structures (GRAT, IDGT, revocable) Retirement withdrawal strategies Retired Executive Founder/Business Owner Baby Boomers (Born 1946-1964) Approaching retirement Gen X (Born 1965-1980) Gen Y/Millennials (Born 1980-1995)
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Kirk F

Series 63, Series 65

Paramus, NJ

LPL Financial

Kirk Feret is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 23 years of industry experience. He has been with LPL Financial since 2015. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients, including individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm provides financial planning, advisory programs, retirement plan consulting, and brokerage services through a national network of investment adviser representatives.

College savings (529s, UTMA, etc.)
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Veronica V

Series 63, Series 65

Paramus, NJ

LPL Financial

Veronica Vorhies is a financial advisor at LPL Financial with 37 years of industry experience. She holds Series 63 and Series 65 registrations and has previously worked at firms including B. Riley Wealth Management, National Asset Management, Winslow, Evans & Crocker, Inc., and Morgan Stanley in various capacities over the past decade. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting services, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

College savings (529s, UTMA, etc.)
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Jonathan L

Series 66

Paramus, NJ

LPL Financial

Jonathan Lewandowski is a financial advisor with LPL Financial, holding a Series 66 designation and 12 years of industry experience. His prior roles include positions at Woodbury Financial Services and JPMorgan Securities, along with eight years at Elite Soccer Academy. Outside of finance, he is involved in soccer training as a part-time trainer for the River Dell Blackhawks. LPL Financial serves individual and institutional clients through a national network of investment adviser representatives, offering financial planning, advisory programs, retirement plan consulting, and brokerage services. The firm provides both discretionary and non-discretionary management and utilizes model portfolios and research to support a range of investment strategies.

College savings (529s, UTMA, etc.)
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Glenn C

Series 63, Series 65

Paramus, NJ

LPL Financial

Glenn Cohen is a financial advisor at LPL Financial with 29 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at Edward Jones for 10 years before joining LPL Financial in 2019. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, and retirement plan consulting, with access to model portfolios, third-party research, and various portfolio management options.

College savings (529s, UTMA, etc.)
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Mary Jo K

Series 66

Paramus, NJ

LPL Financial

Mary Jo Kerrigan is a financial advisor at LPL Financial with five years of industry experience. She holds the Series 66 designation and previously worked at Merrill Lynch, Pierce, Fenner & Smith Inc./Bank of America for ten years and Equitable Advisors, LLC for one year. Beyond her advisory role, she serves as a board member of the Rensselaer Newman Foundation and is Co-President of the Washington Elementary Home School Association. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, enhanced by research, model portfolios, and various investment strategies.

College savings (529s, UTMA, etc.)
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James D

Series 66

Paramus, NJ

LPL Financial

James Dimitriou is a financial advisor with LPL Financial in Paramus, NJ, holding a Series 66 designation and 25 years of industry experience. He has been with LPL Financial since 2011. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and consulting services, employing discretionary and non-discretionary management supported by research and model portfolios.

College savings (529s, UTMA, etc.)
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John C

Series 66

Paramus, NJ

LPL Financial

John Clarke II is a financial advisor with LPL Financial in Paramus, NJ, holding a Series 66 credential and 21 years of industry experience. He has been with LPL Financial since 2010. Outside of his advisory work, Clarke serves on a NICU Advisory Board and is involved in construction projects through a personal business venture. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a wide range of financial planning and advisory programs, including managed portfolio options supported by research from LPL Research and third-party subadvisors.

College savings (529s, UTMA, etc.)
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Ryan V

Series 66

Paramus, NJ

LPL Financial

Ryan Vorhies is a financial advisor with LPL Financial in Paramus, NJ, holding a Series 66 designation and eight years of industry experience. His prior roles include positions at B. Riley Wealth Management, Morgan Stanley, and Northwestern Mutual. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

College savings (529s, UTMA, etc.)
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Scott B

Series 63, Series 65

Paramus, NJ

LPL Financial

Scott Bancroft is a financial advisor at LPL Financial with 29 years of industry experience. He holds Series 63 and Series 65 designations and has been with LPL Financial since 2013. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, providing both discretionary and non-discretionary management supported by model portfolios and research.

College savings (529s, UTMA, etc.)
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Kevin S

Series 66

Paramus, NJ

LPL Financial

Kevin Sincavage is a financial advisor with LPL Financial in Paramus, NJ, holding a Series 66 designation and 12 years of industry experience. He previously worked for Private Portfolio Partners, LLC, where he spent 10 years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement consulting services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

College savings (529s, UTMA, etc.)
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Romil B

Series 63, Series 65

Paramus, NJ

LPL Financial

Romil Bhagat is a financial advisor with LPL Financial in Paramus, NJ, holding Series 63 and Series 65 licenses and over 34 years of industry experience. He has worked at LPL Financial since 2004 and was involved with Private Portfolio Partners, LLC from 2016 to 2025. Outside of his advisory roles, he has engaged in selling group health, disability, and fixed life insurance and has served as president of Private Portfolio Partners, a separate registered investment advisory firm. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide. The firm offers financial planning, advisory programs, and retirement plan consulting, utilizing discretionary and non-discretionary management supported by research, model portfolios, and various investment technologies.

College savings (529s, UTMA, etc.)
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Anthony M

CFP®, Series 63, Series 65

Paramus, NJ

LPL Financial

Anthony Macagna is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2013. Prior to this role, he served as an Investment Consultant at Fidelity Investments in 2013 and as an Investment Adviser at MetLife Securities from 2009 to 2013. His professional focus includes helping families pursue tax-efficient investing and integrating estate planning considerations into his comprehensive financial strategies. Anthony emphasizes building partnerships based on trust and clarity, guiding clients with strategies aligned to their goals and ensuring they understand the reasoning behind every decision. He leads his clients with a collaborative approach and looks forward to introducing them to his team.

General tax planning Wealth management
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Thomas B

Series 63, Series 66

Paramus, NJ

LPL Financial

Thomas Blunda is a financial advisor at LPL Financial with 26 years of industry experience. His prior roles include positions at JPMorgan Securities LLC, JPMorgan Chase Bank NA, and Credit Suisse First Boston LLC. He holds the Series 63 and Series 66 designations. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, and brokerage services, utilizing model portfolios, third-party subadvisors, and advanced technologies.

College savings (529s, UTMA, etc.)
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Vincent D

Series 63, Series 65

Paramus, NJ

LPL Financial

Vincent D'angelis is a financial advisor with LPL Financial in Paramus, NJ, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. He has been with LPL Financial since 2010. Outside of his advisory role, he is involved with Life Policy Pros, focusing on non-variable insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers financial planning, advisory programs, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

College savings (529s, UTMA, etc.)
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Nancy C

Series 63, Series 66

Paramus, NJ

LPL Financial

Nancy Comparetto is a financial advisor at LPL Financial with 19 years of industry experience. She holds the Series 63 and Series 66 credentials and has worked previously at UBS Financial Services and Raymond James Financial Services. Her current role began in 2024, and she maintains a small side business advising on LPL-related matters. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management supported by in-house research and third-party resources.

College savings (529s, UTMA, etc.)
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Eric J

Series 66

Paramus, NJ

LPL Financial

Eric Johnson is a financial advisor at LPL Financial with 16 years of industry experience. He holds a Series 66 designation and has previously worked at Fidelity Brokerage Services LLC, Bank of America, N.A., and Merrill. Outside of his advisory role, he serves as co-trustee for the Johnson Family IRR Trust in a fiduciary capacity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, supported by model portfolios, research, and technology-driven solutions.

College savings (529s, UTMA, etc.)
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Eugene S

Series 66

Paramus, NJ

LPL Financial

Eugene Spitzer is a financial advisor with LPL Financial, holding a Series 66 designation and 18 years of industry experience. He worked at Ameriprise Financial Services, Inc. for three years before joining LPL Financial in 2019. Outside of his advisory role, he is involved with Preserve Land Company LLC, where he provides guidance on home construction and contractor matters. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios and research from internal and third-party sources.

College savings (529s, UTMA, etc.)
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Jeffrey B

CFP®, Series 63, Series 65

Paramus, NJ

LPL Financial

Jeffrey Budd is a CERTIFIED FINANCIAL PLANNER™ with 36 years of industry experience. He is currently with LPL Financial and previously worked at firms including Raymond James & Associates, Fidelity Personal and Workplace Advisors, Strategic Advisers Inc., Fidelity Investments, and Morgan Stanley DW Inc. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a broad network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing discretionary and non-discretionary management supported by research from LPL and third-party subadvisors.

College savings (529s, UTMA, etc.)
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Robert S

Series 66

Paramus, NJ

LPL Financial

Robert Siegler is a financial advisor with LPL Financial in Paramus, NJ, holding a Series 66 designation and 18 years of industry experience. His prior roles include positions at Lakeland Financial Services, Raymond James Financial Services, J.P. Morgan Securities, Chase Investment Services, and Wells Fargo Clearing. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of advisers. The firm offers financial planning, diverse advisory programs, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

College savings (529s, UTMA, etc.)
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Robert H

Series 63, Series 65

Paramus, NJ

LPL Financial

Robert Hermansen is a financial advisor at LPL Financial with 35 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at LPL Financial since 2019, following prior roles at Wells Fargo Clearing and Wells Fargo Advisors. Outside of his advisory work, he serves as a borough administrator for Emerson, NJ, and has a government role with the Borough of Wanaque, NJ. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios, third-party subadvisors, and advanced technologies across discretionary and non-discretionary management strategies.

College savings (529s, UTMA, etc.)
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Nicholas P

Series 66

Paramus, NJ

LPL Financial

Nicholas Photiadis is a financial advisor with LPL Financial in Paramus, NJ, holding a Series 66 designation and possessing 28 years of industry experience. He has been with LPL Financial since 2011. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients, including individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement consulting, supporting both discretionary and non-discretionary management with resources from LPL Research and third-party subadvisors.

College savings (529s, UTMA, etc.)
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Daniel T

CFP®, Series 63, Series 66

Paramus, NJ

LPL Financial

Daniel Twomey is a CFP® professional with 37 years of industry experience, currently serving as a financial advisor at LPL Financial since 2011. He holds Series 63 and Series 66 licenses. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base that includes individuals, retirement plans, banks, corporations, and charitable organizations. The firm provides a range of advisory programs, financial planning, and retirement consulting, supported by model portfolios and research, with both discretionary and non-discretionary management options.

College savings (529s, UTMA, etc.)
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Pasquale G

Series 63, Series 65

Paramus, NJ

LPL Financial

Pasquale Giannella is a financial advisor with LPL Financial in Paramus, NJ, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He previously worked at PNC Investments for 17 years and has been affiliated with Gladstone Wealth Partners. Giannella provides investment advisory services through Gladstone Institutional Advisory, an independent investment advisory firm he started in 2017. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, including discretionary and non-discretionary management supported by in-house and third-party research.

College savings (529s, UTMA, etc.)
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Leila R

Series 63, Series 65

Paramus, NJ

LPL Financial

Leila Ross is a financial advisor with LPL Financial in Paramus, NJ, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. She has been with LPL Financial since 2013 and also works with Private Portfolio Partners, a hybrid registered investment advisor. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios and research to support both discretionary and non-discretionary management strategies.

College savings (529s, UTMA, etc.)
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Jerome M

Series 63

Paramus, NJ

LPL Financial

Jerome Madden Jr. is a financial advisor with LPL Financial, holding a Series 63 credential and bringing 30 years of industry experience. His prior roles include positions at Cetera, Allied Wealth Partners, and Securian Financial Services. He is also active as a non-variable insurance agent. LPL Financial is a registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers various advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

College savings (529s, UTMA, etc.)
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Charles B

Series 66

Paramus, NJ

LPL Financial

Charles Bowman is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 21 years of industry experience. He previously worked for JP Morgan Securities LLC for 10 years before joining LPL Financial in 2023. Outside of his advisory role, Bowman is also a musician and composer. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios and research to provide both discretionary and non-discretionary management.

College savings (529s, UTMA, etc.)
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Jane D

Series 63, Series 66

Paramus, NJ

LPL Financial

Jane Donnelly is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and 35 years of industry experience. Her prior roles include positions at Ameriprise and Edward Jones. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network. The firm offers a variety of advisory programs, financial planning, and retirement plan consulting, with investment management supported by internal research, third-party subadvisors, and technology-driven strategies.

College savings (529s, UTMA, etc.)
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Matthew W

Series 66

Paramus, NJ

LPL Financial

Matthew Wolferman is a financial advisor with LPL Financial, holding a Series 66 designation and 19 years of industry experience. His prior roles include positions at Merrill Lynch and Bank of America, spanning 18 and 13 years respectively. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, corporations, and charitable organizations. The firm provides a range of advisory programs and consulting services, utilizing various model portfolios and research resources.

College savings (529s, UTMA, etc.)
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William H

Series 63, Series 65, Series 66

Paramus, NJ

LPL Financial

William Hunt III is a financial advisor at LPL Financial with 19 years of industry experience. He previously worked at JPMorgan Chase Bank and J.P. Morgan Securities for 11 years. In addition to his advisory role, he serves as a firefighter and treasurer for the Mahwah Fire Department. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management strategies supported by in-house and third-party research.

College savings (529s, UTMA, etc.)
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Joseph C

Series 63, Series 65

Paramus, NJ

LPL Financial

Joseph Coniglio is a financial advisor with LPL Financial in Paramus, NJ, holding Series 63 and Series 65 credentials and possessing 31 years of industry experience. He has been with LPL Financial since 2006 and also operates Joe Coniglio Wealth Management, LLC for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of advisors. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management approaches supported by in-house and third-party research.

College savings (529s, UTMA, etc.)
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Daniel M

CFP®, Series 66

Paramus, NJ

LPL Financial

Daniel Minnis is a CFP®-certified financial advisor with 14 years of industry experience, currently with LPL Financial since 2021. His prior roles include positions at Charles Schwab Bank, Charles Schwab, and New York Life. He also managed Private Portfolio Partners, an independent investment advisory business, from 2021 to 2023. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a broad range of financial planning and advisory services, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

College savings (529s, UTMA, etc.)
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Louis D

Series 63, Series 65

Paramus, NJ

LPL Financial

Louis D'angelis is a financial advisor at LPL Financial with 48 years of industry experience. He holds Series 63 and Series 65 designations and has been with LPL Financial since 2010. Outside of his advisory role, he is involved in non-variable life insurance sales. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

College savings (529s, UTMA, etc.)
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Richard C

Series 66

Paramus, NJ

LPL Financial

Richard Cobe Jr. is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 24 years of industry experience. He has been with LPL Financial since 2009. Outside of his advisory role, he is involved in a separate business entity unrelated to investment activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm provides a range of advisory programs and financial planning services through a national network of investment adviser representatives.

College savings (529s, UTMA, etc.)
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Lucy C

Series 66

Paramus, NJ

LPL Financial

Lucy Coyle is a financial advisor with LPL Financial in Paramus, NJ, holding a Series 66 designation and bringing 25 years of industry experience. She has been with LPL Financial, including its predecessor LINSCO/Private Ledger, since 2005. Outside of her advisory role, she provides non-variable insurance products as part of her financial planning services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and brokerage services supported by research from LPL and third-party subadvisors.

College savings (529s, UTMA, etc.)
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Michael D

Series 63, Series 65

Paramus, NJ

LPL Financial

Michael D'Angelis is a financial advisor with LPL Financial in Paramus, NJ, holding Series 63 and Series 65 credentials and 18 years of industry experience. His prior roles include a 14-year tenure at Legg Mason & Co LLC and Fisher Investments, among others. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting supported by research and model portfolios from multiple sources.

College savings (529s, UTMA, etc.)
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David T

Series 63, Series 65

Paramus, NJ

LPL Financial

David Tepper is a financial advisor with LPL Financial in Paramus, NJ, holding Series 63 and Series 65 designations and possessing 24 years of industry experience. He has been with LPL Financial since 2014. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, financial planning services, and retirement plan consulting, utilizing discretionary and non-discretionary management alongside research and model portfolios from LPL Research and third-party providers.

College savings (529s, UTMA, etc.)
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Michael O

Series 63

Paramus, NJ

LPL Financial

Michael Oconnell is a financial advisor with LPL Financial and holds a Series 63 designation. He has 29 years of industry experience, including prior roles at Cetera, Allied Wealth Partners, and Securian Financial Services. His other business activities include work as an independent agent for non-variable insurance and financial advising through entities affiliated with LPL. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, and institutions. The firm offers various advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

College savings (529s, UTMA, etc.)
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