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Our Team

U.S. Financial Services, LLC, is an independent financial services firm in New Jersey solely focused on the unique needs of our individual clients. We listen intently to their financial dreams and provide life planning solutions.

Whether accumulating wealth for future needs or creating a legacy, we empower our clients to live life today and be confident about tomorrow.

Gerard Papetti, CPA, CERTIFIED FINANCIAL PLANNER™ professional, is a partner at U.S. Financial Services, LLC, and specializes in advising high-net-worth individuals in the process of accumulating and preserving wealth. Gerard...

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Altair M. Gobo, CERTIFIED FINANCIAL PLANNER™ professional, is a partner at U.S. Financial Services, LLC. Altair has served on the board of directors of the Northern New Jersey Chapter of the International Association...

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Steve Gallo is a CPA, Personal Financial Specialist, and a partner at U.S. Financial Services, LLC. He has spent over 30 years advising closely held business owners and high-net-worth individuals in the areas of estate planning,...

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Gregory J. Chebuske, Accredited Investment Fiduciary®, is a partner at U.S. Financial Services, LLC. Prior to merging with U.S Financial Services, Greg was the president and founder of Retirement Financial Services and has a...

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Matthew DeFelice, CERTIFIED FINANCIAL PLANNER™ professional, has been helping clients manage their wealth since 1992 and is a partner and the managing director of U.S. Financial Services, LLC. Matthew attained his bachelor's...

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A financial services professional since 1977, Carolyn specializes in the areas of qualified pension plans, wealth management, insurance, business succession planning and estate planning. She founded Preferred Pensions LLC in 1982 to...

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Miriam Lopez, CERTIFIED FINANCIAL PLANNER™ Professional, Chartered Life Underwriter®, and Chartered Financial Consultant®, brings over 35 years of domestic and international banking and finance experience to her wealth...

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Joseph Sarnecki, a CERTIFIED FINANCIAL PLANNER™ professional, has been a financial advisor at U.S. Financial Services, LLC, since May 2011. Joe adheres to a disciplined process that strives to deliver a consistent yet customized...

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Jay Kota, CFA®

Chief Investment Officer

Jay Kota joined U.S. Financial Services, LLC, in October 2013 as an investment analyst.Prior to joining the firm, Jay was employed as a research associate with Citi Investment Research and Analysis (CIRA). At CIRA, Jay's...

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After serving as an associate analyst in the equity research division of Citigroup Investment Research for more than a decade, Michael joined our team in January 2010. His responsibilities include fiduciary review for all investment...

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Evan Drury has been a support financial advisor/planner at U.S. Financial Services, LLC, since October 2014. Prior to joining the firm, Evan worked as an associate financial advisor at Merrill Lynch. Evan, originally from Kearny, New...

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Roz Gallo-Goodman has been the office manager with U.S. Financial Services, LLC, since 2008. Roz has various responsibilities, including purchasing, scheduling meetings, and organizing client events. In her spare time, Roz enjoys...

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Beth Perry

Executive Assistant

Beth Perry has been an executive assistant with U.S. Financial Services, LLC, since 2004. In addition to her administrative duties, Beth also handles all operational and compliance issues. In her spare time, Beth enjoys spending time...

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Christie Palmroos has been an executive assistant with U.S. Financial Services, LLC, since 2004. She serves as a valued member of the Kestra Staff Advisory Council where she helps give our broker/dealer advice and feedback on a number...

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Valerie joined U.S. Financial Services, LLC in 2013 as an executive assistant. Valerie brings over 25 years of experience to our team, having worked as an insurance underwriting specialist at both Northwestern Mutual and Guardian prior...

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Needa Hazin

Executive Assistant

Needa Hazin is a seasoned professional with over 15 years of experience in the financial services industry. Coupled with her paralegal studies, she leads various projects assisting Greg Chebuske. Needa enjoys global travel, fashion,...

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Collette Burnett

Manager of Operations and Client Services

Collette Burnett has worked in the financial services industry since 1987, joining Carolyn Lloyd-Cohen LLC/Preferred Pensions LLC in 1995. Her current position in the company is Manager ofOperations and Client Services, responsible for...

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Maura Gill

Director of Administrative and Policy Holder Services

Maura worked as a legal assistant for nine years prior to accepting her position with ourcompany in 2008. She is responsible for general office administration and policy holder service.In addition, Maura assists with pension services...

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Pam joins our company with eight years experience in the insurance industry and holds life insurance and property and casualty licenses. She also has prior experience in computer consulting, construction and as a personal trainer. Pam...

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Heidi Ruberto

Director of Pension Services

An accomplished professional working in the client service and sales/marketing industry for over thirteen years, Heidi joined Carolyn Lloyd/Cohen LLC/ Preferred Pensions LLC in 1996. As the Director of Pension Services, her major...

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