Our Specialists
N. Louis Capetola, CLU, ChFC, Investment Specialist
nlcapetola@financialguide.com
Lou graduated from Penn State University with a B.S, in accounting. After serving three years with an accounting firm and three years as a marketing representative for IBM, he joined First Financial Group in 1971 as a sales representative. Lou has received both his Chartered Life Underwriter and Chartered Financial Consultant designations from the American College in Bryn Mawr, PA and he holds the FINRA Series 6, 63, 22, 24 & 7 registrations. In 1981, Lou was appointed Agency Investment Specialist, responsible for the sale of and training of investment related products, compliance related issues, and recruiting of experienced producers to the agency.
Elaine Serbulov, CFP®, Financial Planning Specialist
eserbulov@financialguide.com
Elaine graduated from Temple University, Fox School of Business and Management with a B.B.A. in Finance, Risk Management & Insurance and Economics and earned her Master’s in Financial Services from Saint Joseph’s University. She is a Certified Financial Planner (CFP®) and holds FINRA Series 7, 63, & 65 registrations and Life & Health Insurance Licenses. For the past 10 years, Elaine has specialized in servicing the financial needs of high net worth individuals. Elaine is responsible for leading First Financial Group’s fee based Financial Planning Practice, as well as non fee based advanced planning.
Alvin Kingcade, CLU, ChFC, Annuity Specialist
akingcade@financialguide.com
Al has been the agency Annuity Specialist since MassMutual’s inception of the program in 1997. After graduating from the Wharton School at the University of Pennsylvania, Al began his financial services career as a Retirement Planning specialist, and later as the Agent Training Director for a local life insurance company. Al has been with First Financial Group since 1988. He has lectured on Retirement Planning at Camden County College, the Paralegal Institute in Philadelphia, and the American College. Al has been published in Best Business magazine and provided contributing articles on financial advice in the Philadelphia Daily News. As Annuity Specialist, Al’s primary role is to train and provide sales support to FFG reps for MassMutual Annuity products.
Joe Murray, CLU, ChFC, CFBS, Executive VP
jwmurray@financialguide.com
At FFG since 1989, Joe has remained a top producer while continuing to be a mentor to new producers and a key trainer and promoter of comprehensive financial planning. Joe’s wit and humor make him a favorite presenter for business owner workshops, where his high speed deliveries evoke the everyday fast pace of the real business world. Joe furthers his cause by remaining on the external faculty of the American College in Bryn Mawr, PA, teaching fellow professional producers business and estate planning, drawing on his education and firsthand experience in these fields of more than 22 years. Joe most enjoys helping business owners with charitable inclinations and enough wealth to give.
John M. Novak, AIF®, 401(k) Specialist
jmnovak@financialguide.com
John has specialized in the 401(k) and retirement plan marketplace since 1986, representing businesses and non-profit organizations across the country. As an undergraduate, John represented The Vanguard Group of Investment Companies servicing small business retirement plans. He participates in the Mid-Atlantic Pension Study Group (MAPS) and lectures regularly on retirement planning to institutions and professional groups within the industry. John holds the credential of Accredited Investment Fiduciary (AIF®). AIF is the qualified plan industry's first and only professional designation. John obtained the Accredited Investment Fiduciary designation to improve his understanding of those who hold fiduciary roles.
Zachary Golen, 401(k) Specialist
zgolen@financialguide.com
Zachary has specialized in the 401(k) and retirement plan marketplace since 2005, representing businesses and non-profit organizations in a number of U.S. states including California, Texas, Florida, Maryland, Pennsylvania, New Jersey, and New York. He has maintained a focus on serving the needs of small to medium size businesses with the installation of new retirement plans and the assessment for conversion of existing plans. Zachary’s specialty is providing education to plan sponsors and participants. Committing time to the local community, Zachary volunteers with the Big Brother Big Sister Foundation. He lives in Philadelphia, Pennsylvania and serves business customers on a national basis.
Christopher R. Aceto, Brokerage Director & DI Specialist
caceto@finsvcs.com
Chris has specialized in Individual Disability Insurance since beginning his career in December of 1974, as a brokerage rep with Paul Revere. In 1994, Chris was appointed General Manager of the Philadelphia office for Paul Revere, one of its leading brokerage DI sales offices. Chris joined MassMutual in November of 1998 and headed their Philadelphia Disability Insurance Sales Office, until he joined FFG as Brokerage Director in September of 2006. Chris is extremely well versed in all facets of the Individual DI business, specializing in employer paid executive carve out and voluntary supplemental DI programs. Chris works with the FFG agents as well as with the brokerage community in the tri-state area with all their Individual and multi-life DI needs. Chris is a 1974 graduate of the University of Maryland, with a BS in Economics.
Frank Lazarus, CLU, ChFC, CASL, Brokerage Director & Life Insurance Specialist, Executive VP
flazarus@finsvcs.com
Frank has been working with life insurance producers in the Philadelphia area for over forty years, the last twenty for First Financial Group. Prior to joining First Financial Group, Frank was a Vice President for The Toner Organization, a large nationally renowned Brokerage General Agency. Today, he works with both Career Agents and independent producers and brokers. Frank has served twice as the President of the National Association of Insurance & Financial Advisors, Greater Philadelphia Chapter and continues to serve as its National Committeeman. In 2005, he was recognized by NAIFA-GP with its President’s Cup, the most prestigious award for the industry in the Philadelphia area. Frank is a perennial qualifier for MassMutual’s Management Council and Leaders Club, and serves on the Brokerage Director Council.