Raymond J. Angelo, CFP®
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.