CFP Board shares information that CFP professionals have provided about their practice as well information about professionals who CFP Board has publicly disciplined or who made a bankruptcy disclosure to CFP Board, We cannot guarantee the information CFP professionals have provided is accurate or complete. You should verify the accuracy of the information.
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Professional Profile
Year CFP® Certification Received
1984
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View Current Certificate
Specialties
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Some CFP® professionals focus their business on serving the needs of specific types of clients.
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Some CFP® professionals focus their business on serving the needs of specific types of clients.
- Intergenerational Families
Planning Services Offered
- Comprehensive Financial Planning
- Tax Planning
- Investment Planning
- Business Succession Planning
- Retirement Planning
- Divorce Planning
- Insurance Planning
- Estate Planning
- Education Planning
- Employee and Employer Plan Benefits
Your Minimum Investable Assets
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Investable assets are what you own that can easily be turned into cash and invested, such as bank accounts, stocks, mutual funds and bonds. Some financial advisors – especially those who charge clients a percentage of the assets under their management – require their clients to have a minimum amount of investable assets.
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Investable assets are what you own that can easily be turned into cash and invested, such as bank accounts, stocks, mutual funds and bonds. Some financial advisors – especially those who charge clients a percentage of the assets under their management – require their clients to have a minimum amount of investable assets.
- $5,000,000
Languages
- English
Payment Options
When hiring a CFP®️️️️️️️️ professional, it's important to ask how your advisor expects to be paid for services rendered. Different financial advisors may charge differently, or one financial advisor may offer several different ways that clients can choose to pay.
Disclosures
CFP Board Public Disciplinary History
Effective Date: 4/17/2009
Paul Perino, Jr. (Vineland): In December 2007, CFP Board issued Mr. Perino a public letter of admonition, following its investigation of a Consent Order (“New Jersey Consent Order”) Mr. Perino entered into with the New Jersey Bureau of Securities. Following a hearing, CFP Board’s Disciplinary and Ethics Commission (“Commission”) found that Mr. Perino’s conduct as indicated in and consented to by Mr. Perino in the New Jersey Consent Order violated Rules 606(a) and 705 of CFP Board’s Code of Ethics and Professional Responsibility. The New Jersey Consent Order stated that Mr. Perino’s broker-dealer employer conducted its annual review of his Office of Supervisory Jurisdiction (“OSJ”) and Mr. Perino received a failing grade for his supervisory responsibilities as a registered principal in 2 of 3 categories measured by the report: Compliance Interview Record Process and Supervision of Compliance Records. The report found that Mr. Perino failed to keep a copy of all financial deliverables on file, failed to review the minimum number of deliverables, failed to sign a Franchisee Financial Advisor’s Compliance Interview Record Report, and failed to intervene when the same Franchisee Financial Advisor charged excessive advisory fees which were listed on a report provided to Mr. Perino. The Franchisee Financial Advisor was subsequently sentenced to three years in prison and ordered to pay $400,000 in restitution. Pursuant to the New Jersey Consent Order, Mr. Perino was barred from acting in a supervisory capacity at any broker-dealer registered with the State of New Jersey through December 31, 2007 (six months) and was required to re-qualify to act in a supervisory capacity at any broker-dealer. Mr. Perino was also assessed a civil monetary penalty of $15,000 which was deferred based on his cooperation and demonstrated inability to pay.
Disclosure Under CFP Board’s Prior Bankruptcy Disclosure Procedures
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Until June 30, 2020, CFP Board made public disclosures about CFP® professionals who had filed a personal or business bankruptcy. These were disclosures and not disciplinary actions or sanctions. These disclosures stay on CFP Board’s website for 10 years. There are more details below on this page.
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Until June 30, 2020, CFP Board made public disclosures about CFP® professionals who had filed a personal or business bankruptcy. These were disclosures and not disciplinary actions or sanctions. These disclosures stay on CFP Board’s website for 10 years. There are more details below on this page.
None
Disclosure Information
Below are links to additional sources of information about CFP® professionals that may contain information that has not led to CFP Board discipline or does not appear on CFP Board’s website. The information may include customer disputes, disciplinary actions taken by a regulator or employer, certain criminal matters, and certain financial matters (such as bankruptcy proceedings and unpaid judgments or liens). The links below may provide additional information if the CFP® professional is subject to the oversight of that regulator or self-regulatory agency. If the CFP® professional is not subject to their oversight, then the links will not provide access to any additional information about that person.
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You can find information about CFP® professionals who are subject to Financial Industry Regulatory Authority (FINRA) or Securities and Exchange Commission (SEC) oversight through FINRA’s BrokerCheck and the SEC’s Investment Adviser Public Disclosure databases. Both are free tools. CFP Board updates the disclosures below monthly and should be verified directly through FINRA and the SEC.
FINRA’s BrokerCheck Public Disciplinary History
Yes
SEC’s Investment Advisor Public Disciplinary History
Yes
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Visit your state securities regulator’s website for more information about brokers and investment advisers and your state insurance department website for more information about insurance professionals.
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Visit the Office of the Comptroller of the Currency (OCC) website to search for enforcement actions against individuals who are subject to OCC oversight.
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Conduct an Internet search on the CFP® professional’s name (and business name).
About Bankruptcies
Effective June 30, 2020, CFP Board may publicly sanction a CFP® professional for a personal or business bankruptcy that violates CFP Board’s Code of Ethics and Standards of Conduct. (There is no violation if the CFP® professional can make a case that the bankruptcy does not reflect on the professional’s ability to responsibly manage his or her own financial affairs or the financial affairs of the business.) You can find public sanctions in the “CFP Board Public Disciplinary History.” Under the “Prior Bankruptcy Disclosure Procedures” that applied from July 2012 – June 2020, CFP Board published information about a CFP® professional’s verified single bankruptcy in a press release and on CFP Board’s website. These were disclosures, not discipline or sanctions, and remain on CFP Board’s website for 10 years. You may learn more about the disclosure procedures here. You can learn more information about a bankruptcy filing at the U.S. Court’s website. You will be required to register and pay a nominal fee to view the information on that website.