Broker Check

Meet Our Advisors

Founding Partners

Altair M. Gobo, CFP®

Partner/Managing Director

agobo@usfsc.com

As co-founder of U.S. Financial Services, Altair is a thought leader in developing the process that promotes people to enjoy wealthier, healthier, and happy lives. Together with his partners, he is proud to have built an incredible...

Read more

Andrew Brief, ChFC®

Managing Director

abrief@usfsc.com

Andrew graduated from Johns Hopkins University in 1983 with a Bachelor of Engineering Science degree. While at Hopkins, he was a three year captain of the varsity tennis team after receiving All-State and NJ...
Read more

Beth Perry

Executive Assistant

bperry@usfsc.com

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...

Read more

BJ Bryant

Director

bjbryant@usfsc.com

BJ became a financial professional as a result of his own personal experience. The youngest of eight children, BJ watched his widowed mother work multiple jobs to support her family. He also saw his mother and his grandparents face...

Read more

Carolyn Lloyd-Cohen, CLU, ChFC, AEP, AIF®

Director

clc@usfsc.com

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...

Read more

Cathleen Rich-Grate

Executive Assistant

crgrate@usfsc.com

Cathleen places a high priority on relationships. This foundational value shines through in her administrative role with the firm as she makes every client feel as though they are receiving the red carpet treatment. Part of the...
Read more

Christie Palmroos

Executive Assistant

cpalmroos@usfsc.com

Christie comes from a family of bankers. Prior to joining U.S. Financial Services in 2004, she was one herself. After eight years of banking. She became drawn to financial planning out of a desire to help people make better choices for...
Read more

Christina Dziadzio, ChFC®

Financial Advisor

cdziadzio@usfsc.com

Christina started working in 2005 while attending Pace University as a night student, working toward an Associate's Degree in Computer Science. She completed the degree with a 3.99 grade point average (GPA). She also earned a...
Read more

Collette Burnett

Executive Assistant

cburnett@usfsc.com

Collette started her career in financial services in 1987, after relocating from New York City. She joined Preferred Pensions LLC in 1995, which merged with U.S. Financial Services in 2018. Collette’s role at USFS today is...
Read more

Evan Drury, ChFC®

Advisor

edrury@usfsc.com

Every day Evan comes to work with one goal: he wants to help families from all walks of life eliminate their financial concerns and worries. He is proud to be part of a team that works together to help ensure each client’s...

Read more

Gerard T. Papetti, CPA, CFP®

Partner/Managing Director

gpapetti@usfsc.com

As one of the founding partners of U.S. Financial Services, Gerard has an extensive background in financial planning. Early on in his career he worked as a tax professional with Price Waterhouse, later making the transition in 1985 to...

Read more

Gregory J. Chebuske, AIF®

Director

gchebuske@usfsc.com

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 founder and president of Retirement Financial Services, LLC. He has a...

Read more

Heidi Ruberto

Director of Pension Services

hruberto@usfsc.com

As the Director of Pension Services, Heidi is responsible for providing administration and servicing for a range of retirement plans, including profit sharing, 401k, defined benefit, and safe harbor plans. She is the primary liaison...

Read more

Jay Kota, CFA®

Chief Investment Officer

jkota@usfsc.com

Jay came to U.S. Financial Services in 2013 and oversees all investment activity for the firm. Prior to joining the firm, Jay was a research associate with Citi Investment Research and Analysis (CIRA). There he was responsible for...

Read more

Jeff McElroy, CFP®, CLU

Director

jmcelroy@usfsc.com

Jeff was destined for a career in finance. His grandmother, whom he describes as an independent thinker, is credited with piquing his interest in investments during his time in high school. After earning his degree in business law and...

Read more

Joseph Sarnecki, CFP®, CRPC®, CDFA™

Managing Director

jsarnecki@usfsc.com

Serving others is somewhat of a family tradition for Joseph. With relatives who were police officer and teachers, he held the same desire to help and wanted to continue the tradition in a field he loves. He graduated from Rutgers with...

Read more

Louise Albert, CFP®, ChFC®, CLU®

Advisor

lalbert@usfsc.com

Louise has over 20 years of consultative-based experience in the financial services industry. Over this time, she has specialized in retirement planning and takes great pride in helping clients realize their financial goals.She began...

Read more

Martin Burns

Paraplanner

mburns@usfsc.com

Martin works alongside the team members at U.S. Financial to enhance the client experience and assist with all details of creating and managing comprehensive financial plans for clients. Majoring in finance at SUNY New Paltz, he is...
Read more

Matthew DeFelice, CFP®

Managing Director

mdefelice@usfsc.com

Why do you choose the financial planner you have? Matthew believes that above all else his clients work with him because he makes them feel comfortable. As a partner at U.S. Financial Services, he attributes his success in the finance...

Read more

Maura Gill

Director of First Impressions

mgill@usfsc.com

When you call or visit U.S. Financial Services, Maura is likely the first person you’ll talk to. Her warm disposition instantly puts clients at ease. She skillfully directs client questions and concerns to the correct team and is...
Read more

Miriam Lopez, MBA, CFP®, CLU®, ChFC®

Advisor

mlopez@usfsc.com

After a successful 20-year career in commercial and investment banking, financial planning was the perfect transition for Miriam to use her life, business, and financial experience to guide clients in the pursuit of their life’s...

Read more

Needa Hazin

Executive Assistant

nhazin@usfsc.com

Needa brings more than two decades of experience to the team at U.S. Financial Services. She serves as Executive Assistant to Greg Chebuske, facilitating client relationships. She enjoys traveling, maintaining a healthy lifestyle, and...
Read more

Nina Cammarota

Digital Marketing Analyst

ncammarota@usfsc.com

Nina recently graduated Quinnipiac University with a degree in Marketing. As the Digital Marketing Analyst, she is tasked with maintaining the firm's online presence, oversees all advertising efforts, and assists in coordinating...
Read more

Pamela Berardi

Executive Assistant

pberardi@usfsc.com

Pam joined Preferred Pensions LLC with eight years of experience in the insurance industry and holds life insurance and property and casualty licenses. She has prior experience in computer consulting, construction, and as a personal...

Read more

Roz Gallo-Goodman

Head of Operations

rggoodman@usfsc.com

As the office manager for U.S. Financial, Roz is tasked with keeping the office running smoothly. It’s a role she excels in, as she has been with the firm for more than a decade. Her organizational skills and approach to problem...

Read more

Stephanie Crotty

Paraplanner

scrotty@usfsc.com

Stephanie went to Lehman College for her Bachelor’s Degree in English with a specialization in Creative Writing. In the years following, she has continued her education online at Southern New Hampshire University, all while...
Read more

Steven P. Gallo, CPA/PFS

Partner/Managing Director

sgallo@usfsc.com

Steven has been working in the financial services industry for more than four decades. He possesses a commitment few others have; both to his work and to the success of his clients. His work ethic has been instrumental in his success...

Read more

Valerie Ianco

Executive Assistant

vianco@usfsc.com

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...

Read more

W. Michael McNair, CFA®, CFP®

Director of Investment Services

mmcnair@usfsc.com

As the Director of Investment Services, Michael is responsible for the fiduciary review of all investment clients, analyzing advisory investment accounts and qualified plan investments, as well as evaluating management strategies and...

Read more

William Kim

Financial Para Planner

wkim@usfsc.com

Growing up with his two sisters and little brother, it has always been in William’s nature to care for others. William’s moral compass inspires him to provide the same quality of life for clients and those around him...
Read more

Staff

Altair M. Gobo, CFP®

Partner/Managing Director

agobo@usfsc.com

As co-founder of U.S. Financial Services, Altair is a thought leader in developing the process that promotes people to enjoy wealthier, healthier, and happy lives. Together with his partners, he is proud to have built an incredible...

Read more

Andrew Brief, ChFC®

Managing Director

abrief@usfsc.com

Andrew graduated from Johns Hopkins University in 1983 with a Bachelor of Engineering Science degree. While at Hopkins, he was a three year captain of the varsity tennis team after receiving All-State and NJ...
Read more

Beth Perry

Executive Assistant

bperry@usfsc.com

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...

Read more

BJ Bryant

Director

bjbryant@usfsc.com

BJ became a financial professional as a result of his own personal experience. The youngest of eight children, BJ watched his widowed mother work multiple jobs to support her family. He also saw his mother and his grandparents face...

Read more

Carolyn Lloyd-Cohen, CLU, ChFC, AEP, AIF®

Director

clc@usfsc.com

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...

Read more

Cathleen Rich-Grate

Executive Assistant

crgrate@usfsc.com

Cathleen places a high priority on relationships. This foundational value shines through in her administrative role with the firm as she makes every client feel as though they are receiving the red carpet treatment. Part of the...
Read more

Christie Palmroos

Executive Assistant

cpalmroos@usfsc.com

Christie comes from a family of bankers. Prior to joining U.S. Financial Services in 2004, she was one herself. After eight years of banking. She became drawn to financial planning out of a desire to help people make better choices for...
Read more

Christina Dziadzio, ChFC®

Financial Advisor

cdziadzio@usfsc.com

Christina started working in 2005 while attending Pace University as a night student, working toward an Associate's Degree in Computer Science. She completed the degree with a 3.99 grade point average (GPA). She also earned a...
Read more

Collette Burnett

Executive Assistant

cburnett@usfsc.com

Collette started her career in financial services in 1987, after relocating from New York City. She joined Preferred Pensions LLC in 1995, which merged with U.S. Financial Services in 2018. Collette’s role at USFS today is...
Read more

Evan Drury, ChFC®

Advisor

edrury@usfsc.com

Every day Evan comes to work with one goal: he wants to help families from all walks of life eliminate their financial concerns and worries. He is proud to be part of a team that works together to help ensure each client’s...

Read more

Gerard T. Papetti, CPA, CFP®

Partner/Managing Director

gpapetti@usfsc.com

As one of the founding partners of U.S. Financial Services, Gerard has an extensive background in financial planning. Early on in his career he worked as a tax professional with Price Waterhouse, later making the transition in 1985 to...

Read more

Gregory J. Chebuske, AIF®

Director

gchebuske@usfsc.com

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 founder and president of Retirement Financial Services, LLC. He has a...

Read more

Heidi Ruberto

Director of Pension Services

hruberto@usfsc.com

As the Director of Pension Services, Heidi is responsible for providing administration and servicing for a range of retirement plans, including profit sharing, 401k, defined benefit, and safe harbor plans. She is the primary liaison...

Read more

Jay Kota, CFA®

Chief Investment Officer

jkota@usfsc.com

Jay came to U.S. Financial Services in 2013 and oversees all investment activity for the firm. Prior to joining the firm, Jay was a research associate with Citi Investment Research and Analysis (CIRA). There he was responsible for...

Read more

Jeff McElroy, CFP®, CLU

Director

jmcelroy@usfsc.com

Jeff was destined for a career in finance. His grandmother, whom he describes as an independent thinker, is credited with piquing his interest in investments during his time in high school. After earning his degree in business law and...

Read more

Joseph Sarnecki, CFP®, CRPC®, CDFA™

Managing Director

jsarnecki@usfsc.com

Serving others is somewhat of a family tradition for Joseph. With relatives who were police officer and teachers, he held the same desire to help and wanted to continue the tradition in a field he loves. He graduated from Rutgers with...

Read more

Louise Albert, CFP®, ChFC®, CLU®

Advisor

lalbert@usfsc.com

Louise has over 20 years of consultative-based experience in the financial services industry. Over this time, she has specialized in retirement planning and takes great pride in helping clients realize their financial goals.She began...

Read more

Martin Burns

Paraplanner

mburns@usfsc.com

Martin works alongside the team members at U.S. Financial to enhance the client experience and assist with all details of creating and managing comprehensive financial plans for clients. Majoring in finance at SUNY New Paltz, he is...
Read more

Matthew DeFelice, CFP®

Managing Director

mdefelice@usfsc.com

Why do you choose the financial planner you have? Matthew believes that above all else his clients work with him because he makes them feel comfortable. As a partner at U.S. Financial Services, he attributes his success in the finance...

Read more

Maura Gill

Director of First Impressions

mgill@usfsc.com

When you call or visit U.S. Financial Services, Maura is likely the first person you’ll talk to. Her warm disposition instantly puts clients at ease. She skillfully directs client questions and concerns to the correct team and is...
Read more

Miriam Lopez, MBA, CFP®, CLU®, ChFC®

Advisor

mlopez@usfsc.com

After a successful 20-year career in commercial and investment banking, financial planning was the perfect transition for Miriam to use her life, business, and financial experience to guide clients in the pursuit of their life’s...

Read more

Needa Hazin

Executive Assistant

nhazin@usfsc.com

Needa brings more than two decades of experience to the team at U.S. Financial Services. She serves as Executive Assistant to Greg Chebuske, facilitating client relationships. She enjoys traveling, maintaining a healthy lifestyle, and...
Read more

Nina Cammarota

Digital Marketing Analyst

ncammarota@usfsc.com

Nina recently graduated Quinnipiac University with a degree in Marketing. As the Digital Marketing Analyst, she is tasked with maintaining the firm's online presence, oversees all advertising efforts, and assists in coordinating...
Read more

Pamela Berardi

Executive Assistant

pberardi@usfsc.com

Pam joined Preferred Pensions LLC with eight years of experience in the insurance industry and holds life insurance and property and casualty licenses. She has prior experience in computer consulting, construction, and as a personal...

Read more

Roz Gallo-Goodman

Head of Operations

rggoodman@usfsc.com

As the office manager for U.S. Financial, Roz is tasked with keeping the office running smoothly. It’s a role she excels in, as she has been with the firm for more than a decade. Her organizational skills and approach to problem...

Read more

Stephanie Crotty

Paraplanner

scrotty@usfsc.com

Stephanie went to Lehman College for her Bachelor’s Degree in English with a specialization in Creative Writing. In the years following, she has continued her education online at Southern New Hampshire University, all while...
Read more

Steven P. Gallo, CPA/PFS

Partner/Managing Director

sgallo@usfsc.com

Steven has been working in the financial services industry for more than four decades. He possesses a commitment few others have; both to his work and to the success of his clients. His work ethic has been instrumental in his success...

Read more

Valerie Ianco

Executive Assistant

vianco@usfsc.com

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...

Read more

W. Michael McNair, CFA®, CFP®

Director of Investment Services

mmcnair@usfsc.com

As the Director of Investment Services, Michael is responsible for the fiduciary review of all investment clients, analyzing advisory investment accounts and qualified plan investments, as well as evaluating management strategies and...

Read more

William Kim

Financial Para Planner

wkim@usfsc.com

Growing up with his two sisters and little brother, it has always been in William’s nature to care for others. William’s moral compass inspires him to provide the same quality of life for clients and those around him...
Read more