About Us

As President and Founder of Plan ONE Financial Group, I've dedicated my career to financial planning since entering the industry in 1996. My path here wasn't traditional. It was born out of a personal crisis that taught me firsthand why no one should have to navigate complex financial decisions alone. When I was 17, I survived a devastating car accident that left me hospitalized for a month and forced me to repeat my senior year of high school.

At 20, I received a settlement, and like many young people without guidance, I was surrounded by well-meaning but poor financial advice. I grew up in a blue-collar home in Franklinville, New Jersey, where financial literacy just wasn't part of the conversation. That's when I met the father of a friend who was in this business. He helped me invest the money wisely, and when I peppered him with endless questions about the markets, he eventually said, "Howard, if you want to know so much, why don't you come work with me?" That invitation changed the trajectory of my life. What inspired me then, and still inspires me today, is the idea that no one should have to navigate these complex decisions alone.

What I enjoy most about my job is witnessing the transformation that happens in people when they move from uncertainty to clarity. For many of the retirees and pre-retirees I work with, money represents more than numbers on a page. I get to sit across from people who may be worried about whether they'll outlive their money or whether their spouse will be taken care of, and I get to replace that worry with a plan.

Growing up alongside my twin stepbrothers, Stephen and Stanley Jacobs, who both had special needs and lived with myotonic dystrophy, left a permanent mark on me. They passed away young, but growing up with them taught me patience, empathy, and the importance of caring for those who can't always care for themselves. That experience influences my work today because financial planning has always been about people first, not numbers.

Today I live in Mullica Hill, New Jersey, with my wife, Michelle, and our six children, who are my greatest source of pride and purpose. Being a husband and father has given me a perspective that keeps me grounded and reminds me daily why the work I do matters.

Outside of work, my greatest passion is my family. Michelle and I make it a point to carve out time together, whether it's our family tradition of traveling once a year or our weekly date nights that keep our marriage strong. I train in Jiu-Jitsu, which keeps me disciplined and humble, and I play chess, which sharpens my strategic thinking. I also try to read two books a month and still pick up my guitar from time to time, keeping in touch with my punk rock roots.

I currently serve on the Board of Education for South Harrison Elementary School and hold the CRPC and RFC credentials, which keep me sharp and accountable to deliver the best planning-first service to my clients.

My journey into financial planning began with an unusual combination of studies. I graduated from Rutgers University, Camden Honors College, with a Bachelor's degree in Mathematics and an Associate's degree in Film Studies. That combination might seem unusual, but it taught me to think both analytically and creatively about problem-solving.

After graduation, I pursued my growing interest in finance and began my career with an investment firm in Philadelphia, where I quickly became one of the top junior representatives and helped contribute to the rapid growth of the office. While I was successful in Philadelphia, I realized I wanted more flexibility in my practice and the ability to truly put clients first without institutional constraints.

That's what drew me to join Plan ONE Financial Group, where I now serve as Vice President and Chief Compliance Officer. This alliance gave me the opportunity to grow as a professional and build a practice focused on full-service financial planning rather than just product sales. In addition to developing and maintaining client relationships, I'm responsible for the compliance and supervision of the firm as an OSJ Branch Manager, which means I help maintain the high standards our clients deserve.

My commitment to professional excellence shows through my credentials. I'm a CERTIFIED FINANCIAL PLANNER™ practitioner, which requires ongoing continuing education and upholding the CFP Board's Code of Ethics and Professional Responsibility. I hold my Series 7, 6, 63, 65, 24, and 51 registrations and am an Investment Advisor Representative through OSAIC Wealth, Inc. These credentials represent my commitment to staying current on the best strategies and maintaining the fiduciary standard that puts our clients' interests first.

I currently live in Blackwood, New Jersey, with my wife and three children, who keep life interesting and remind me daily why financial planning matters so much for families. When I'm not working with clients, you'll likely find me cheering on Philadelphia sports teams, playing video and tabletop games with friends, or picking up my guitar. These hobbies all require strategy, patience, and the ability to think several moves ahead. Skills that serve me well when helping clients plan for their futures.

I've been with Plan ONE Financial since 2013, serving as Director of Operations. What drives me is building strong client relationships by truly understanding each client's unique needs. My Behavioral Financial Advisor (BFA) designation helps me connect with clients on a deeper level, understanding not just their financial goals but also their motivations and concerns.
I lead daily operations while working with our team to continuously refine client support processes and elevate overall satisfaction. This commitment to excellence has been recognized through serving on the SagePoint Financial Administrative Board and speaking at professional conferences on operational excellence and client service.
I graduated magna cum laude from Fairleigh Dickinson University with a Bachelor's degree in English and hold FINRA Series 7 and 66 registrations. I'm an Investment Advisory Representative through Osaic, with credentials that support my commitment to comprehensive financial guidance.
I live in Woodbury with my husband, three children, and our black Labrador. I'm actively involved in school and community initiatives, spending most of my free time on the pool deck supporting my children's competitive swimming. This experience as a parent gives me additional perspective on the importance of family financial planning and understanding what truly matters to our clients.

I joined Plan ONE Financial Group in 2019 as a Financial Planning Administrator, where I handle data input, plan preparation, and portfolio rebalancing functions that are essential to our financial planning process. I also assist Christine Pierce with the firm's administrative tasks, helping maintain the smooth operations that our clients depend on.

I graduated from Montclair State University with a Bachelor's degree in Business Administration and a concentration in Hospitality Management. This background in hospitality aligns perfectly with my passion for being of service to others and making them feel their best. I believe that exceptional client service is about anticipating needs and creating positive experiences at every touchpoint.

My role requires precision and attention to detail, especially when working with the technical aspects of financial planning software and portfolio management systems. I hold my Series 7 and 66 FINRA registrations and am a Registered Representative through OSAIC Wealth, Inc., which allows me to support our clients' needs across various aspects of their financial plans.

Originally from Egg Harbor Township, New Jersey, I have a deep appreciation for both the shore and outdoor activities. When I'm not in the office, you'll likely find me hiking, traveling to new destinations, or relaxing on a beach somewhere. These experiences help me maintain the positive energy and fresh perspective I bring to my work with our clients and team.

I joined the Plan ONE Financial team in December 2023 as a Customer Service Associate. My role focuses on handling the administrative details that support our client meetings, allowing our advisors to concentrate on providing the best possible guidance to our clients.

While I'm relatively new to the team, I'm committed to learning every aspect of our operations and contributing to the exceptional service our clients have come to expect. I assist team members with various administrative tasks that help keep our client interactions running smoothly and efficiently.

Outside of work, I hold a private pilot's license and enjoy cycling. These hobbies reflect my appreciation for both precision and adventure, qualities that I bring to my work at Plan ONE Financial. Aviation requires attention to detail and careful planning, skills that translate well to supporting our financial planning processes.

I'm excited to be part of a team that genuinely cares about helping clients achieve their financial goals and look forward to growing my expertise in financial services while contributing to our mission of providing planning-first guidance.

I am a Client Service Associate at Plan ONE Financial Group.  I am responsible for handling client account reviews and introductory calls with many of our new clients and referrals to the office. I joined our team in February of 2025.  

I graduated magna cum laude from Wilkes University with a Bachelor of Business Administration in Management and a minor in Economics.  I bring a willingness to learn, and I am passionate about helping clients feel confident and supported every step of the way.  

I hold a Series 7 and 66 FINRA registrations, and I am a Registered Representative through OSAIC Wealth, Inc.  I  also hold my New Jersey and Pennsylvania Insurance Producer License.  

I currently live in Washington Township, NJ.  Most of my spare time is spent enjoying my days with friends and family, watching Philadelphia sports or college basketball, and if the weather is warm, you can find me at the beach in Cape May, NJ.

Joining the Plan One Financial team in October 2025 as our Client Coordinator, I am proud to be the first smiling face you see when you visit our Deptford, NJ office. My goal is to ensure every client feels welcomed and valued from the moment they walk through our doors. Beyond greeting visitors, I manage the daily 'heartbeat' of the office—coordinating schedules and streamlining front-desk operations to keep things running seamlessly.

While I am a newer member of the team, I am deeply committed to mastering every aspect of our operations to provide the exceptional service our clients deserve. Outside the office, I am usually found on the move with my family—whether it’s at the dance studio, a Robotics practice, or cheering from the pool deck. Managing a busy household has honed the organizational skills I use every day to support the Plan One team and our clients. I feel truly honored to work with a group that treats every individual with such genuine care.