CHARLES MELITA - Key Persons

Job Titles:

• Marketing Manager and Virtual Assistant

Job Titles:

• Financial Services Professional

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 Melita has been a Financial Services Professional since 1997 while working with business owners, entrepreneurs, and corporate executives he focuses on helping them solve the 3 biggest risks associated with retirement: Taxes, Market Risk, and Insufficient Capital by applying leverage. Prior to his career in financial services, Charlie spent 20 years in the travel industry; the last 15 years with American Express as a National Account Manager responsible for several of America's Fortune 100 Banking and "Wall Street" firms. Charles Melita has also participated in the following various experiences, memberships, and community services: Member Million Dollar Round Table (MDRT), industry Benchmark based on Sales Excellence among Insurance Professionals Presidents Club Recipient Presented by National Life Insurance Company, Montpelier, VT based on sales criteria. The Strategic Coach and the Entrepreneurs & Growth Course. Full circle Commitment of Education and Charitable Giving are the Centerpieces of My Practice. Exit Planning Exchange, Tri-State Member, NJ Chapter Board of Directors Monmouth Ocean Development Council, Member & Chairman Educational Foundation Board Preferred Behavioral Health Organization, Member Board of Directors Eastern Monmouth Chamber of Commerce, Past Board of Directors Hackensack Meridian Health (HMH) Community Advisory Committee, Member since 2000 His passion for saving lives through training and education was sparked from a tragedy on December 27, 2012, when he and his family lost their 21-year-old son Robert to Sudden Cardiac Arrest. HMH Co-Chair Committee for a CPR and AED Training Initiative Known as "A Community of Life Savers" https://www.youtube.com/watch?v=Av4KorBzfHU American Heart Association's Humanitarian Award for Leadership in CPR/AED Training and Awareness Life Force USA "CHAIN OF SURVIVAL" Award for CPR Training 2015 American Heart Association's NJ American Heart Saver Award NJ BIZ "HEALTHCARE HERO" 2015 Finalist for Education in CPR Conducts Annual Charity Golf Tournament Providing $25,000 in College Scholarships to HS Seniors Since 2014 Church of The Nativity Fair Haven, NJ, Member Pastoral Council

Job Titles:

• Investment Adviser
• Representative
• Financial Planner, Special Needs Planner

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 is an over 20-year volunteer with Camp Fatima of New Jersey, an all-volunteer one on one camp for developmentally challenged children. 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 registrations 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 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, and he is insurance licensed in the following states: AZ, CO, FL, IA, LA, MA, NJ, NV, NY, OH, OK, and PA. In CO, MO, NH and WI, Equity Services, Inc. operates as Vermont Equity Services, Inc.

Job Titles:

• Investment Adviser
• Representative
• CERTIFIED FINANCIAL PLANNER

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 from St. John's University and his Master in Financial Services from 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, investment strategies, retirement planning, and 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. and offers securities in the following states: CA, CO, CT, DE, FL, GA, NV, NJ, NM, NY, NC, PA, TX and VA and he is insurance licensed in the following states: CA, CO, FL, MI, NC, NJ, NV, NY, PA, and RI. In CO, MO, NH and WI, Equity Services, Inc. operates as Vermont Equity Services, Inc.

Job Titles:

• Certified Exit Planner
• Registered Representative and Investment Adviser

Jerry joined Integrated Financial Concepts to advise clients and educate financial advisors on the importance of financial balance in the building, enjoyment, and transfer of wealth. His clients' increased confidence is a result of his knowledge and experience in coordinating protection and risk management with asset accumulation and wealth distribution strategies. His work with business owners enables them to obtain fair value for their enterprise in the context of an exit or succession plan that addresses business and personal financial objectives. Prior to joining Integrated Financial Concepts, Jerry was a member of the management team at Strategies for Wealth for over 10 years, one of the region's leading financial services counseling firms, he became an award-winning Career Development Supervisor, receiving honors for his talents in training advisors how to educate and serve clients. Since 2006 he has focused his protection and planning practice on assisting business owners, retirees, and families with special needs. Jerry understands the complexity involved when planning for non-traditional situations, including those involving illnesses, disabilities, and alternative life styles. Jerry received his RICP® and CLU® designations from the American College of Financial Services, in addition to a Master's in Public Finance from the City University of New York and a Bachelor's in Political Science and Economics from the State University of New York. Jerry began his professional career in public service, serving in various capacities with the City of New York and the State of New York. During his tenure Jerry managed over $1 billion in public sector construction projects including correctional facilities and mental hygiene centers. Jerry is a Registered Representative and Investment Adviser Representative of Equity Services, Inc. and offers securities in the following states: AZ, CA, CT, DE, FL, GA, MA, NV, NJ, NY, PA, SC, and WA. Jerry is insurance licensed in the following states: AZ, DE, FL, NH, NJ, NY, PA, SC, and WA.

Job Titles:

• National Director of Pension and Protection Planning
• QPA, CPFA Is National Director of Pension and Protection Planning at

Mary Read CPC, QPA, CPFA is National Director of Pension and Protection Planning at