SPECIAL NEEDS FUNDING COACH - Key Persons
Job Titles:
- Financial Services Professional
Charles Melita has owned and operated his own financial services companies since 1997, primarily partnering with small business owners and medical professionals. Prior to this, Charles cultivated a career in the corporate area as a national accounts manager in the T&E sector for American Express, collaborating with financial executives from many Fortune 100 companies. Over the past two decades, he has developed expertise in credit analysis and commercial lending.
After the sudden loss of his 21-year-old son, Robert, to cardiac death in 2012, Charles began searching for a way to give back to the community that would also allow him to support his family during this tragic time. In October 2013, Charles partnered with his close friend, Paul Lenskold, to form Robert Anthony Melita Enterprises, LLC. (aka RAM Enterprises), a legacy to Robert's memory. Since its inception, RAM Enterprises has remained committed to returning a portion of their profits to a variety of charities.
In addition to his dedication to promoting heart health and CPR training after Robert's death, Charles also remains passionate about educating the public with sound, comprehensive, and accurate credit and insurance strategies to prevent the personal and professional disasters that far too often devastate businesses and families.
Charles is a supportive member of the local community, both professionally and personally. He is actively involved several professional networking groups and served in the Eastern Monmouth Area Chamber of Commerce as a past member of the board of directors and past co-chairperson of the small business counsel for that Chamber. Since 2001, Charles has served on the advisory board of Riverview Medical Center, now part of Hackensack-Meridian Health System.
Charles and his wife, Beth, in conjunction with Meridian Health and the American Heart Association, spearheaded "A Community of Life Savers," an initiative dedicated to heart health education and CPR training. In 2014, the program trained over 10,000 high school students across Monmouth and Ocean counties in CPR and continues to promote education and training today. In 2014, the Melitas proudly received the "Morgan Cline - Benjamin D'Onofrio Humanitarian Award" for their leadership in "A Community of Life Savers." They have also received "Life Force USA Chain of Survival Award" and American Heart Association's 2015 NJ American Heart Saver award.
Charles and Beth live in Fair Haven, New Jersey with their two daughters, Lauren and Haley.
Job Titles:
- Founder
- Investment Adviser
- Representative
- Registered Representative and Investment Adviser
Donald Brown has been in the financial services industry for more than 30 years. He has been recognized as an industry leader in both personal production and management. Educating individuals and families on how to properly plan for a dependent with special needs is a primary focus of Don's practice. He regularly presents to local support groups and nonprofit organizations. Don also provides assistance to local businesses and is a board member of his local Chamber of Commerce. In addition, he runs employee workshops on topics including retirement planning to corporate clients. Don demonstrates a broad, long-standing commitment to local community and philanthropic service. He has volunteered for more than 20 years with Camp Fatima of New Jersey, an all-volunteer one-on-one camp for children with special needs. He annually acts as a camp activities staff member as well as serves on their finance committee. Don is a graduate of Rutgers University with a degree in Economics and Finance and holds his Series 6, 7, 63, and 24 securities licenses along with his life, annuity, accident, and health licenses. He has earned the Chartered Financial Consultant, Chartered Special Needs Consultant, and Chartered Advisor for Senior Living designations.
Donald T. Brown is a Registered Representative and Investment Adviser Representative of Equity Services, Inc. and offers securities in the following states: AZ, CO, FL, MA, NJ, NY, OH, and PA. He is also insurance-licensed and offers insurance in AZ, CO, FL, LA, MA, MD, NJ, NV, NY, OH, OK, PA, and VA. Securities and investment advisory services are offered solely by Equity Services, Inc., Member FINRA/SIPC. Broker/Dealer and Registered Investment Adviser, 200 Schulz Drive, Suite 125, Red Bank, NJ 07701, 848.200.7170. All entities and individuals referenced are independent of Equity Services, Inc. unless otherwise noted. Equity Services, Inc. is a registered Broker/Dealer affiliate of NLIC. Integrated Financial Concepts and Special Needs Funding Coach are independent of Equity Services, Inc. TC110476(1019)
Job Titles:
- Client Relationship Manager
Elizabeth joined Special Needs Funding Coach after 12 years at Autism New Jersey, where she directed conferences, provided professional training, and offered family support. She is a former teacher with additional experience in applied behavior analysis. To schedule a personal consultation or complimentary webinar for your organization, contact Elizabeth at 848.200.7155 or eneumann@nlgroupmail.com.
Job Titles:
- Financial Advisor
- Registered Representative and Investment Adviser
As a United States Marine, Jeff served at Camp David under Presidents George H. W. Bush and William J. Clinton. Jeff combines his military service with more than 22 years of experience in the financial industry.
Along with his life and health licenses, Jeff has completed his FINRA Series 6, 7, 63, and 65 registrations. His commitment to excellence, expertise, and personal focus allows the Special Needs Funding Coach team to provide integrated and customized solutions for families and the professionals who serve them.
Jeff lives in Toms River with his spouse Janel and children, Julianna and Jack.
Jeffrey is life-licensed and offers insurance in the following states: DE, FL, MD, NJ, PA, and VA. Jeffrey McAteer is a Registered Representative and Investment Adviser Representative of Equity Services, Inc. and offers securities in DE, FL, MD, NJ, OH, PA, and VA.
Job Titles:
- CERTIFIED FINANCIAL PLANNER
- Registered Representative and Investment Adviser
James C. Muro is a CERTIFIED FINANCIAL PLANNER TM professional. He has 25 years of experience in the financial service industry. He obtained his bachelor's degree in finance with St. John's University and his Masters in Financial Services with The American College.
James works closely with individuals, families, business owners, executives, and medical professionals. His practice is advice-driven; he will analyze, design, and implement objective financial solutions that are specific to his client's financial situation. His goal is to be your financial resource now and in years to come. James specializes in the following areas of financial planning: insurance strategies, investments strategies, retirement planning, business and estate planning strategies.
James resides in Monroe Township, NJ with his wife and two children. James enjoys volunteering his time and coaching youth sports for both of his children. He is a proud member of the New Jersey Association of Financial Advisors and The Financial Planning Association. James is an active member of the Society of Financial Service Professionals and has acted as a Board member in the past.
James Muro is a Registered Representative and Investment Adviser Representative of Equity Services, Inc. Securities and investment advisory services are offered solely by Equity Services, Inc., Member FINRA/SIPC, 675 Third Avenue, Suite 900, New York, NY 10017, Tel: 212-986-0400. Equity Services is a Broker/Dealer and Registered Investment Adviser affiliate of National Life Insurance Company (NLIC), Montpelier, VT, National Life Group® is a trade name of NLIC and its affiliates. Integrated Planning Group is independent of Equity Services, Inc. He is insurance-licensed in CA, CO, FL, MI, NC, NJ, NV, NY, PA, and RI and offers securities in CA, CO, CT, DE, FL, GA, NC, NH, NJ, NM, NV, NY, and PA.
Job Titles:
- Registered Representative and Investment Adviser
Nico Riverso, CFP®, is a seasoned investment and retirement planning professional. After achieving a perfect score on his math SAT, it's only natural that Nico would have a successful career in numbers. As a certified financial planner, Nico is uniquely qualified to be our leading investment professional on the team.
Nico began his financial services career in 1993. He focused his energy on building his financial practice but continues to mentor junior associates. Over his 30-year financial services career, he has been the recipient of numerous industry awards such as: a four-time Management Leaders Conference qualifier, three-time Top 25 Agency Director, and a Platinum & Leaders Conference qualifier 1.
Residing in East Hanover, Nico and his wife Jackie have three children: Jordan, Sebastian, and Alex. Alex has autism and currently attends Spectrum360. Nico is an active board member of Team 94, a nonprofit organization whose mission is to provide continuing education opportunities for adults with Autism Spectrum Disorder.
Nico Riverso is a Registered Representative and Investment Adviser Representative of Equity Services, Inc. and offers securities in AZ, CO, CT, DE, FL, GA, MA, NC, NJ, NY, OH, PA, SC, TX, VA, and VT.
William P. D'Angelo has been associated with the financial services industry since 2008. A Rutgers University graduate with a Bachelor's in Economics and History, he is a Life Underwriter Training Council Fellow.
William specializes in investment management strategies, estate planning strategies, retirement planning, benefit design for business owners, and business succession planning. William helps individuals identify their qualitative goals and uses objective quantitative analysis to implement a strategy for success. He can help a client achieve their personal financial goals by aggregating their workplace benefits and personal savings in a holistic manner. William prides himself on his client-centric approach, where he uses cutting edge technology to help organize the noise that many clients have when it comes to their cash flow and investments. William is life and health insurance-licensed in NY, NJ, FL, and NC. He is securities-registered in NY, NJ, FL, CA, TX, and NC. He is also property and casualty licensed in NY, NJ, FL, and NC. He is a Registered Representative and Investment Adviser Representative of, and securities and investment advisory services are offered solely by, Equity Services, Inc. a Broker/Dealer and Registered Investment Adviser. Member FINRA/SIPC, 675 Third Avenue, Suite 900, New York, NY 10017, Tel: 212-986-0400, Equity Services is a Broker/Dealer and Registered Investment Adviser affiliate of National Life Insurance Company (NLIC), Montpelier, VT, National Life Group® is a trade name of NLIC and its affiliates. Integrated Financial Concepts is independent of Equity Services, Inc.
Outside the office, William is a proud husband, father, and active member of his community. He and his wife Kristina live in Bridgewater, NJ with their three children William, Antonio, and Nicolette. He is the President of the Nicholas Vincent D'Angelo Memorial Foundation, a nationally recognized 501c3 charity founded in honor of his late son. This charity donates to various organizations in the neonatal research and advocacy space and provides support to many local and national charities that focus resources on children's health, wellness, and education. William is an avid golfer and is a member of the Esquire Men's Golf Club.
William sits on the Richmond University Medical Center foundation board of directors. He serves as the founder of Crush Autism, a 501c3 dedicated to furthering the lives of children with Autism Spectrum Disorder. His work in this area is truly a labor of love and filled with undying passion. William's son, William Nicholas D'Angelo, strives everyday to crush his battle with nonverbal autism. William is also a member of the Board of Directors of Team 94, a nonprofit organization supporting young adults with autism.