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.

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.
Jay Gilston, CWS®, NSSA®
Financial Planner/Managing Partner, Certified Wealth Strategist, National Social Security Advisor Certificate Holder
(732) 358-0625
Helping You Achieve Your Financial Goals Through Wealth Preservation & Growth Since 1988, Jay has earned a reputation throughout the New Jersey and New York Metropolitan areas for providing sound financial advice and superior client...
Eric D. Sandowsky, CLTC, CWS®, NSSA®
Financial Planner/Managing Partner, Certified in Long Term Care, Certified Wealth Strategist, National Social Security Advisor Certificate Holder
(212) 658-9756
Helping You Achieve Your Financial Goals Through Wealth Preservation & Growth Since 1999, Eric has been specializing in comprehensive financial analysis and investment planning. He works with individuals and businesses across the...
Donna Winters-Sandowsky
Operations Team Member
(212) 658-9756
As Director of Finance, Donna oversees the operations of the accounting department, ensuring that the department's goals and objectives are attained. She is responsible for the bookkeeping function including maintaining the general...
Lori Balawajder
Operations Team Manager
As an Executive Assistant, Lori provides administrative support to our clients and planners to ensure insurance and investment documents are prepared efficiently and within a timely manner. She is responsible for establishing and...
Stanley Smiley
STANLEY R. SMILEY, ESQ.Senior Vice President, Advanced Planning Group As senior vice president of the Advanced Planning Group, StanSmiley is responsible for the development and implementation ofadvanced planning strategies for Cetera...
Juliet Hendrickson. ESQ.
Senior Attorney, Advanced Planning Group Juliet A. Hendrickson is a senior attorney in the AdvancedPlanning Group for Cetera Financial Group, a leading network ofindependent broker-dealer firms. The platform is the secondlargest...
Cameron Sandowsky
Employee
732-358-0625
cameron.sandowsky@ceteraadvisors.com
As an intern, Cameron is learning how to assist and support clients by working closely with the partners and operation team members. Cameron aspires to go to a college with a Certified Financial Planning program. He hopes to one...

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.