CALIFORNIA CONSUMER - Key Persons
Job Titles:
- Marketing Director
- Director of Marketing for Angelo & Associates Financial Planning Group
Carla Kreymer currently serves as the Director of Marketing for Angelo & Associates Financial Planning Group. Carla is responsible for developing, expanding and executing comprehensive cross-channel communication, optimizing existing content and identifying opportunities of growth and improvement at the firm.
Prior to starting her position with Angelo & Associates, Carla honed her content, marketing and communication skills in retail management for 10 years. She excels in providing current and prospective clients with excellent customer service.
Carla earned a Bachelor of Science in Business Administration from New Jersey City University. Carla resides in Scotch Plains with her husband and two sons. When not working, she enjoys traveling, movie nights, and just spending quality time with her family.
Job Titles:
- Client Relations Director
Danielle Munoz is a Financial Services professional with over 20 years in the industry and currently serves as the Client Relations Director for Raymond Angelo, President of Angelo & Associates Financial Planning Group. She works closely with clients and staff to ensure all client inquiries are met in a timely and professional manner.
Prior to starting her position with Angelo & Associates, she spent 16 years in investment banking with Jefferies LLC. She specialized in customer service, compliance, and trade related roles. Danielle understands the value of communication, organization, and resolution in order to provide the best possible service to clients.
Danielle earned a Bachelor of Science in Elementary Education and Mathematics from Kean University. In addition, she holds a FINRA Series 6 securities registration with LPL Financial and is currently studying to obtain a FINRA Series 63 license.
When not working, Danielle enjoys traveling, going to the beach, gardening and spending quality time with her husband and two teenage daughters.
Raymond Angelo is a CERTIFIED FINANCIAL PLANNER™ professional and President of Angelo & Associates Financial Planning Group with more than a decade of experience in the financial services industry. Specializing in financial...
Raymond Angelo is a CERTIFIED FINANCIAL PLANNER™ professional and President of Angelo & Associates Financial Planning Group with more than 17+ years of comprehensive experience in the financial services industry. Ray specializes in working with high net worth individuals, families, and business owners who are approaching retirement and seek the financial clarity needed to make informed decisions about their future and achieve the confidence that comes with knowing they are on track to meet their retirement goals. He guides his clients through a detail-oriented planning process to develop a personalized plan that takes into consideration clients' unique circumstances and aligns with each client's specific intentions. Ray is passionate about planning and enjoys the opportunity his career provides him to make a positive impact on the lives of others.
Ray and his clients have built personal, long-lasting relationships on a foundation of clear communication and transparency, and by thoroughly understanding his clients, Ray has the ability to navigate complex financial situations and make decisions that are in his clients' best interests. His dedication to providing ongoing management and to routinely revisiting plans with his clients allows for an opportunity to focus on portfolio performance, but more importantly, it allows for transparency regarding any material changes in a client's life and ensures that the plan remains in alignment with the client's goals.
When weighing retirement feasibility, Ray helps his clients achieve clarity by providing them with an understanding of their financial situation, options, and potential outcomes. Many individuals enter into the retirement planning process with financial accounts scattered across various institutions (e.g. multiple bank accounts, retirement plans, investment accounts, and insurance policies) which may make it difficult for individuals to see the big picture of their overall financial situation. Ray helps his clients organize their finances, consolidate accounts, and identify any gaps or redundancies in their overall financial strategy. He provides a comprehensive analysis of his clients' assets, liabilities, and income, and develops a retirement plan that takes into consideration their current situation, their retirement goals, and any potential challenges.
Due to Ray's close working relationship with Angelo & Associates Certified Public Accountants, a full service CPA firm founded in 1984 by his father and now managed by his father and brother, Ray is able to collaborate with highly experienced tax professionals on a daily basis, and as a result, implement strategies designed to seek maximum tax efficiency. He understands the importance of working closely with his clients' CPAs and attorneys to ensure alignment among each of his client's trusted professionals.
Ray began his career as a financial advisor at UBS Financial Services where his team worked with high net worth individuals and families with extensive investment portfolios, complex tax situations, unique estate planning needs, and other assets that required specialized financial management strategies. During his time with UBS, Ray's team was highly ranked by Barron's Magazine. Looking to continue his success as an advisor, he partnered with LPL Financial in 2012 and formed Angelo & Associates Financial Planning Group in order to provide his clients with additional investment strategies and a higher level of service.
Ray earned a Bachelor of Science in Finance from Seton Hall University's Stillman School of Business. He is a graduate of The College for Financial Planning and holds FINRA Series 7 and 66 securities registrations through LPL Financial. In addition, he is licensed to offer life, health, and disability insurance.
Ray currently resides in Berkeley Heights NJ with his wife, Michelle, and three children, Vincent, Joseph, and Gianna. Outside of work, he enjoys being active and spending time outdoors, especially golfing, playing softball, and spending time at the beach with family.
Job Titles:
- Financial Consultant
- Certified Public Accountant and Financial Consultant With Angelo & Associates Financial Planning Group
In addition to his work as an investment advisor, Billy is a CPA with 20+ years of tax and accounting experience. This added experience gives Billy the ability to take a 360-degree view of a client's financial picture and offer...
In addition to his work as an investment advisor representative, Billy is a CPA with 20+ years of tax and accounting experience. This added experience gives Billy the ability to take a 360-degree view of a client's financial picture and offer fully informed, tax-efficient investment strategies.
Billy believes that the best suited investment decisions can only come as a result of an open line of communication about all areas of a client's financial profile (e.g. long and short term savings goals, risk tolerance, current and projected income, generational wealth, liquidity needs, budgeting, etc.). Billy enjoys talking with his clients and sharing the knowledge that he has acquired throughout his career. He has a knack for simplifying the most complex subjects and empowering his clients to actively engage in all aspects of their finances.
The high ethical standards and integrity that is so closely associated with the CPA profession forms an important foundation for the client-advisor relationship as well. Billy is relied upon to offer comprehensive financial decisions to his clients and their families, and provides value to his clients in working with an investment advisor representative who has broader financial experience.
Billy graduated from the University of Delaware School of Business and Economics earning a Bachelor of Science in Accounting with a concentration in Finance. He lives in New Providence with his wife and three children.
William Angelo, Jr. is a Certified Public Accountant and Financial Consultant with Angelo & Associates Financial Planning Group. With more than 15 years of experience in the financial services industry, he provides guidance and advice to clients regarding financial planning, college planning, and retirement planning. He enjoys helping clients create strategies and pursue their financial goals.
Beyond his experience in financial services, William is experienced in tax and accounting. In 1984, he started a CPA practice and currently owns and operates Angelo & Associates CPAs alongside one of his sons. Angelo & Associates CPA is not affiliated with LPL Financial.
William holds FINRA Series 6 and 63 securities registrations with LPL Financial. He is a licensed Certified Public Accountant and received his Bachelor of Science in Accounting. He is currently a member of the The American Institute of CPAs (AICPA) and New Jersey Society of CPAs (NJCPA). Outside of the office, he enjoys spending time at the beach with his family, and staying active, whether he's golfing or riding his bike.