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Our Team

At our firm, we have the client—and only the client—in mind.

Our reasons for becoming financial professionals are deeply personal. We repeatedly saw many friends and family struggling to find the help they needed to map out their financial future. We are confident that with our understanding of personal finance, coupled with our training as financial professionals, we can help people better prepare for the future. After years in the business, we have developed a reputation for educating individuals in an easy-to-understand manner so they can grasp personal finance and use those concepts to pursue their financial objectives. We feel a commitment to our community.

At our firm, we have the client—and only the client—in mind.


Over the years, we have found that a team approach can be an effective method to help clients who have a wide variety of needs as they maneuver through a complex financial-services world. We invite you to discover and experience the power of our services. We believe it has far-reaching benefits for our clients to get opinions from several sources with diverse backgrounds, education, and experience.

No one strategy fits everyone, which is why every client gets our undivided attention—from planning to execution to follow-up. We take a proactive approach to helping you develop a strategy to address your financial goals and objectives, using the most efficient methods available.

Ezekiel "Zeke" Zimmerman, MBA, CLTC

(917) 374-6137

zeke_zimmerman@cfsllc.com

Zeke Zimmerman is a respected financial professional and educator with over seven years of experience providing financial planning strategies to individuals, families, and business owners. Zeke’s focus includes insurance planning, money and wealth management, cash flow planning, business planning and retirement planning. Zeke’s success can be attributed to the relationships he develops with his clients. Satisfied clients speak of his guidance as having helped them focus on their financial health and feel more confident in their family's future.

Zeke’s passion area in his practice is in the realm of special needs financial guidance with an emphasis on ensuring that care can be provided for the entire lifetime of a family member with a physical, mental, cognitive, or developmental disability.

As the parent of an autistic child, Zeke appreciates firsthand the pressures that special needs families face in order to provide for all of their disabled children’s lifetime financial needs while at the same time finding balance with all of the family’s other financial issues and concerns.

To that effect, Zeke often presents to other special needs parents, professionals, and community groups on topics related to special needs planning. This work is coordinated with special needs attorneys, organizations, and service providers in order to ensure that all financial, legal, educational, social, vocational, and healthcare needs can be properly addressed and that eligibility can be maintained for all essential government benefits. His process has helped many families to strategize productively around these otherwise overwhelming challenges. 

Zeke lives in Manhattan with his wife, Sheila, and their 3 children, Jacob, Jonathan and Zoe.

Education

  • BA, University of Wisconsin
  • Masters in Education, Hunter College
  • MBA, Cornell University

Registered Representative and Financial Advisor of Park Avenue Securities and Financial Representative of Guardian. CA insurance license #0J42074.

Richard Lofredo, CLU, ChFC, ChSNC

(201) 843-7700 x428

richard_lofredo@cfsllc.com

Richard Lofredo is a respected financial professional and educator with three decades of experience providing financial planning strategies to families, business owners and corporate executives. From money management and Special Needs Planning, to retirement and life insurance planning, Rich’s success can be attributed to the relationships he develops with his clients. Satisfied clients speak of his guidance as having helped them focus on their financial health and feel more confident in their family's future.

Particularly, Rich provides valuable experience to families with special needs. Families and guardians of children with special needs face unique challenges—retirement planning takes on a whole new meaning when you have a child that will someday be an adult who will depend on you for education, healthcare and financial stability.

Richard passionately continues to educate himself on the various government services available to the special needs community, as well as the challenges that face so many families. Because of his continuous education, Richard can provide an understanding approach to financial planning that considers the unique circumstances of each family. He understands that as families navigate their way through a new diagnosis, questions about the long-term future arise. Richard is well-equipped to guide families through this process, stabilizing all aspects of financial planning that account for all members of the family.

 Registered Representative and Financial Advisor of Park Avenue Securities

Jennifer Cooper

Client Relations Manager

(973) 957-7744

jennifer_cooper@cfsllc.com

Helping Families to Navigate the Complex Journey of Raising a Child with Special Needs, while Inspiring Appreciation and Hope, Expectations of Success, and Achievement of Potential, for the Youth and Family.

Jennifer’s personal and professional journeys with special needs gives her a foundation for understanding the joys, challenges, emotions, and options families are faced with. Jennifer’s experience as a family advocate includes action planning and articulating goals, family dynamics, person-centered approaches, transition planning, special education, rights, advocacy, and system navigation. Jennifer’s experiences as a special needs parent contribute compassion, empathy, collaboration, and make her a relatable asset to the families we serve.

Jennifer contributes to the marketing programs and initiatives that directly benefit families, while supporting behind the scenes administrative efforts utilizing her marketing, networking, communication, organization, and administrative skills. Jennifer enjoys the opportunities to collaborate, in her role as liaison between families and the planning team, and other support professionals, and values being part of the team that makes “The Time To Plan Is Now” a valuable resource for the special needs community.

Client Centered

Client Centered

Whether you are investing to build wealth, protect your family, or preserve your assets, our personalized service focuses your needs, wants, and long-term goals.

Our team of professionals have years of experience in financial services. We can help you address your needs of today and for many years to come. We look forward to working with you.

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