Finding a financial professional you can trust is key to achieving a successful retirement.
Certified Financial Fiduciaries® (CFF) are sworn to uphold the highest moral, ethical and fiduciary standards of service when providing advice to potential or existing clients. By choosing to work with a Certified Financial Fiduciary® you can be confident that your best interests will always come first!
Al Procaccino is a Certified Financial Fiduciary®, Certified Financial Planner™, Certified Fund Specialist®, Five Star Wealth Manager and also a former 5 Star rated Morningstar Institutional Money Manager. Al has been active in the financial services industry since 1980, helping both individuals and corporations throughout the USA to plan, invest and manage their wealth. He is also a long-standing member of the National Society of Accountants and National Ethics Association. Mr. Procaccino is the President and Chief Compliance Officer of Castle Financial, a Registered Investment Advisory Firm filed with the SEC and he also holds FINRA licenses 5,7,63,65 and 24 (General Securities Principal).
Mr. Procaccino has conducted financial, retirement and estate planning seminars for the employees of Procter & Gamble, IBM, TRW, IFF, General Dynamics, Siemens Private Communications and many other large and small companies. His work for the NJ State Chamber of Commerce earned him an honorable mention in Who’s Who. He also served as a consultant on a Merv Griffin television production documenting the stock brokerage process on the New York Stock Exchange. In addition, Al guides family firms and small business owners with legacy planning on how to pass their family values along with other non-financial assets, as well as their money and other assets, to future family generations.
Prior to Castle Financial, Mr. Procaccino directed the Retirement Group at Cowen and Company as a Partner of the global firm. He was also Vice President and Branch Manager at Dean Witter Reynolds at 5 World Trade Center in New York City and was a Senior Vice President and the Retirement Group Strategist at Oppenheimer & Company. Al holds a Bachelor of Science degree in Business Administration with a concentration in Finance, an MBA degree in Finance, and is a graduate of the College for Financial Planning. His ongoing education includes business, financial, tax and estate planning courses at a number of accredited universities and institutions. Al enjoys meeting and helping people throughout the USA from Castle’s offices in NYC, Fair Haven, NJ and Naples, Florida and feel free to visit us at www.castlefinancial.com
We are a “fee only” financial advisory firm acting in our valued clients best interests at all times.
On a personal note: Al is happily married and has been blessed with two wonderful daughters. He loves his pets and enjoys music, reading, swimming, biking, cooking, college sports, golf, model railroading, chess, supports many charities and served on the Board of Room in Our Hearts, a nonprofit organization dedicated to helping families whose homes have been affected by crisis.
Bill has over 20 years experience in the financial services industry. Formerly a trader for a private firm in Philadelphia, Bill has always been interested in the stock market and investing. His business philosophy is to provide each client customized service and attention so that they can feel confident and empowered in the financial facet of their lives.
LOUIS TERRERO, Registered Investment Advisor, Certified Public Accountant
Louis Terrero has been in the financial services industry since 1978, starting his career as an auditor for one of the “Big 8” CPA firms.He has experience in many areas ranging from compliance and auditing to annuities and investments. This extensive knowledge has led Louis to teach accounting, economics and taxation courses as an adjunct professor at various NY and NJ colleges and universities since 1991. Louis’ diverse background and passion for educating others helps him serve his clients in ways that he takes much pride in.
Financial and investment planning is an area in which Louis’ feels he can provide great value to his clients. He has been working with individuals and businesses in New Jersey and New York for several years on various financial planning topics and strategies, including retirement planning, college funding, insurance planning and estate planning (in concert with elder care attorneys). He has always taken a "team of professionals" approach to serving his clients' needs, and will regularly include in his portfolio planning and management, agents and advisors whom he believes can add value to the process. Having professionals working in tandem to accomplish your goals ensures that all aspects of your financial plan are complimentary of each other.
The clients of New Century Planning Associates are of the upmost importance. Louis and his team are dedicated to developing lasting relationships with all their clients. That is why they spend so much time getting to know you and your needs before any recommendations are made. They strive to provide clear, easy to understand explanations of financial products and services all while putting these in motion to bring you closer to a more secure financial future.
In his free time you can find Louis spending quality time with family and friends, following New York’s professional sports teams. reading historical novels, and traveling.
Robert Shestack is the Chairman and CEO and Hall of Fame member of the Voluntary Benefits Association (“VBA”), the first national non-profit [501(c)(3)] trade association focused on Voluntary Benefits for employer groups and affinity groups. The VBA’s goal is to promote the education, implementation, product development, compliance, technology and enrollment of Voluntary Benefits in the workplace. In addition, Mr. Shestack is the Chief Strategy of Paylogix, the nation’s largest Insured, Bonded and Licensed Third Party Administrator focusing on Voluntary Benefits. Paylogix represents over 25 Fortune 1000 companies as manages close to $1 billion in annual voluntary benefits premium.
Mr. Shestack was the former EVP and National Practice Leader for The AmWINS Group, the largest insurance wholesaler in the United States, placing over $12 billion in annual premium. In his role he was responsible for all carrier relations, enrollment & implementation activity and communications, as well as the execution of the 5-year strategic business plan. Prior to joining AmWINS, Mr. Shestack was Managing Director and National Sales Leader of Corporate Benefits at Marsh & McLennan. Mr. Shestack’s experience working with voluntary benefits includes product development, insurer relations, strategic innovation, communication & enrollment strategies.
Mr. Shestack has been responsible for managing and developing high level sales talent and establishing client and partner relationships in the employer benefits arena. A 30+ year industry veteran, Mr. Shestack holds a Workplace Benefits Consultant certification, a Certified Voluntary Benefits Specialist designation as well as a degree in Actuarial Science & Rick Management. Also, he is certified in Health & Welfare and Cafeteria Plan Fundamentals through the American Academy of Actuaries. He is a Risk Management Capstone Course student advisor at Temple University’s Fox School of Business, his alma mater, where he and his wife have a $10,000 scholarship program for the Fox School of Business at Temple University.
In addition to his responsibilities at the VBA, Rob was also inducted into the Workplace Benefits Hall of Fame in July 2010, joining an elite group of voluntary benefit industry leaders. An accomplished author published in over 100 articles and white papers as well as an accomplished speaker, he wrote a chapter on critical illness in the 2008 book “Workplace Marketing — A Promise to Deliver” and is working on his next 2 books.
Mr. Shestack was featured as the cover story for Benefits Selling magazine in 2007 and he received the inaugural Voluntary Benefits Adviser of the Year award in 2011. The award recognizes outstanding service to group benefit plan sponsors by brokers and advisers, as well as overall contributions to the profession. In April 2013, he was honored with the prestigious H. Wayne Snider Distinguished Alumni Award from Temple University’s Fox School of Business recognizing Rob as someone who has distinguished himself or herself for at least 20 years in the field of Insurance, Risk Management and Actuarial Science.
Recently, Rob received the 2017 South Jersey community service volunteer of the year award recognizing his unselfish efforts and dedication in making his community a safe place to live and raise a family. Dedicated to his community, Rob is a 7-time elected official (Fire Commissioner) in his township representing over 60 career personnel and an annual budget exceeding $11 million.
Robert “Bob” Ryerson entered the financial industry in 1984 and became a Certified Financial Planner (CFP) in 1991. More recently, he became concerned about the epidemic of identity theft, and became a Certified Identity Theft Risk Management Specialist (CITRMS), and recently wrote the book “What’s the Deal With Identity Theft-A plain English Look at Our Fastest Growing Crime” Mr. Ryerson is a notary public, and holds a BA in Economics from Rutgers University. Robert is also certified for long-term care – CLTC®. He is an experienced estate administrator, and advises clients on various aspects of estate and legacy planning.
Carol Schmidlin has been practicing financial planning since 1993 and is passionate about helping families with all phases of Wealth Management. She provides detailed investment consulting and guides her clients to make smart decisions about their money. Her wealth management process continues with advanced planning to minimize taxes, enhance cash flow, maximize federal benefits, protect assets, transfer wealth, and help with charitable giving for those inclined.
As a Certified Financial Fiduciary (CFF), and charter member of the National Association of Certified Financial Fiduciaries, Carol Schmidlin adheres to the CFF Code of Conduct and the strict guidelines of the NACFF.She is sworn to uphold the highest moral, ethical and fiduciary standards of service when providing advice to potential or existing clients. As a fiduciary, she is required to give you advice that is in your best interest. Carol practices the Duties of Loyalty, Good Faith and Good Care for her clients, educating them first, using a Holistic Approach.Carol holds the Master Registered Financial Consulting Designation (MRFC®) from the International Association of Registered Financial Consultants & is a member of Ed Slott's Master Elite IRA Advisor Group.She is required to attend extensive tax planning training courses as well as pass exams on taxes and financial planning on a bi-annual basis.She regularly provides a variety of benefit and retirement classes throughout the country and has appeared on NBC, CBS, ABC, and FOX affiliates across the country and has also been featured in articles on over 350 websites including CNBC, MSN Money, New Jersey Online (NJ.com), Reuters, MarketWatch and Yahoo Finance.
Carol maintains the Series 65, 7 and 63 licenses along with life and health insurance licensing. She holds a BS degree in Business from Rowan University. Carol’s financial planning practice, Franklin Planning, maintains a home office in Sewell, NJ along with a satellite office in Washington, DC. She and her husband Brett are blessed with three children, and one grandson. Carol can be reached at carol@franklinplanning.com or (856) 401-1101.
Timothy B. Kenyon co-founded Financial Resources & Retirement Advisory, Inc. in 1992.
Financial Resources focuses on providing retirement and investment plans for members of educational communities and not-for-profit organizations through an innovative approach, which includes using cost-efficient products, and independent partnerships and alliances within the retirement plan marketplace.
A leading advocate for providing investors with complete transparency and no conflicts of interest. As an Independent Advisor, we do not use proprietary products or services.
Tim is among the first independent advisors to introduce Fiduciary Standards of Care to Non-ERISA 403b / 457 participants. That means I work only in the best interests of our clients.
We support significantly reducing advisory fees, eliminating commissions for 403b/457 plan participants, and a potential flat-fee service model. In addition, we have supported providing the benefits of low-cost mutual funds versus variable annuities in 403b/457 plans for 25 years.
We believe that education empowers clients with the knowledge, perspectives and options needed to make informed, productive decisions. That’s why we have extensive experience providing Financial Literacy and Member Benefit Workshops. And we’ve provided service to thousands of individuals and households, at all economic levels.
We know that there is no one "best place" to put your retirement monies. Instead, we work with clients to develop a unique plan for their future, all the while taking into account different tolerances for risk and money needs at different life stages. We make a point of prioritizing our clients’ goals through candid conversations, and written recommendations and plans.
To use a baseball analogy, we encourage a focus on the fundamentals. Try to progress from base to base with the goal of scoring, which, in this case, is achieving the long-term goal. Keep your eye on the ball, don’t swing for home runs. Strive for a solid batting average and always play good defense.
After 27 plus years in the financial industry, our practice has broadened to include world-class wealth managers, retirement, estate and legacy planners. A team of trusted professionals, including attorneys, insurance planners, and CPA’s work with us to coordinate legal and tax strategies.
Financial Resources partners with nationally recognized financial institutions, such as Triad Advisors, a leading Hybrid RIA and independent Broker Dealer and Ladenburg Thalmann, a highly respected financial services firm that provides access to world class wealth managers investment strategists and banking solutions.
Our approach of teaming with strategists who employ a quantitative, rules-based methodology, built on sound academic principles and a disciplined defense of risk, can reduce or eliminate emotional and behavioral investor decisions. We know that managing short-term, emotional decisions is a key for long-term investment success.
Tim has been a member of multiple Advisory Councils, including Brecek & Young, FTJ FundChoice and ASI.
Our Organizational Alliances allow us to give back and support the community.
CFF: As a Certified Financial Fiduciary, and a charter member the National Association of Certified Financial Fiduciaries, I adhere to the CFF Code of Conduct and the strict guidelines of the NACFF and am required to give you advice that is in your best interest, period. Practicing the Duties of Loyalty, Good Faith, Good Care for clients, educating them first, using a Holistic Approach, with full disclosure, comparisons of suggested products, full confidentiality and adhering to strict professional practice management.
NEA: National Ethics Association: By joining the National Ethics Association (NEA) we encourage due diligence of consumers, rather than hiding from it. To view the National Ethics Association Member’s Profile visit www.ethics.net.
AFEA: Chapter President, Somerville NJ, of the American Financial Education Alliance, a non-profit organization dedicated to educating the public on Financial Literacy through complimentary classes held at Universities, Libraries and businesses.
Our company motto says it all. “It’s Not About Money, It’s About Your Future”
Cherese L. Spand has thrived in the financial services industry for over 16 years. She attended Mercy College in Dobbs Ferry NY. Her corporate experience along with her secular experience has moved her to educate her clients in the areas of Insurance, Tax free Retirement Planning and Asset Protection. Cherese’s unique skill set and determination has set her apart in the Financial Services arena. Her focus is educating women and
small business owners on the importance of having a solid financial blueprint. That will prepare them to be Savvy, Healthy & Empowered. Cherese is a member of Rotary International. She sits on the Executive Board for Monroe County Women’s Commission, And the Diversity Council for the LKN Chamber of Commerce. She won Twilight Rotary Distinguished Rotarian of the year for 2018-2019
Chris entered the financial services industry in 1982 working with individuals and small business owners by first understanding their Needs, Wants and Wishes. Chris works closely with his clients using a holistic comprehensive refined process to discovery. This strategy nurtures a mutual understanding so that together they can navigate towards their financial goals.Chris holds the CFF Certified Financial Fiduciary® and the LUTCF Life Underwriters Training Council Fellow professional designation along with his FINRA Series 6,7,26,24 & 65 licenses as well as his Life, Health, Property and Casualty licenses.
Chris has held a number management positions over the years for several Broker Dealers. As Technology Implementation Manager, Chris mentors’ financial advisors and managers of his current Broker Dealer on how to incorporate technology tools in their day to day practice such as financial planning software.
When Chris is not working, he is involved in his church as a Eucharistic Minister and sits on the Board of Directors of the James T. Reedy, Sr. Memorial Scholarship Trust as Vice President of the 501(c) 3 charitable organization. He and his wife Colette, who teaches 1st grade at a local public school, enjoy hiking, sports, traveling and spending time with their son Dante along with family and friends.
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