Our Team
Michael’s approach to financial advice is grounded in the values he learned early in life, including the belief that every dollar entrusted to him should be treated with the same care as his own. This philosophy has guided his work with clients since beginning his career in 1988.
Throughout his practice, Michael has remained committed to putting clients’ interests first and helping them make thoughtful, informed financial decisions. He works closely with successful families, senior executives, and small business owners to support their efforts to grow and preserve wealth through independent advice and comprehensive financial planning.
Michael’s areas of focus include investment planning, retirement strategies, college funding, 401(k) rollover planning, tax-aware income strategies, insurance planning, and debt management. His approach is centered on understanding each client’s unique circumstances and aligning strategies with their long-term goals.
Outside of his practice, Michael is actively involved in a number of charitable and community organizations, including the Church of St. Catharine in Holmdel, RallyCap Sports, Ronald McDonald House, Habitat for Humanity, and the SIFMA Foundation.
In addition, Michael is a Certified Fourth Degree Black Belt Instructor in TaeKwonDo. He enjoys teaching both children and adults, emphasizing not only self-defense but also the discipline’s core principles: Courtesy, Integrity, Perseverance, Self-Control, and Indomitable Spirit.
Michael has been happily married to his wife, Kathy, since 1990, and they have two grown children.
Gina M. Kletter has over 30 years of experience in the financial services industry, and holds Series 7, 66 and NJ Life Producer’s licenses. After completion of the Academy of Finance Alliance Program through Baruch College, she transitioned to St. John’s University where she majored in Finance. She continued her studies through the Communiversity Program at Brookdale.
Gina’s financial career began in 1986 as a broker’s assistant on the Intermediate Bond Desk at Cantor Fitzgerald then, she subsequently joined Shearson Lehman Hutton, shifting to the retail side of the business in 1990. Prior to joining Janney, she was an Officer, Registered Wealth Management Client Associate for Merrill Lynch Global Wealth Management, Red Bank, NJ. Gina prides herself on service excellence, building a solid rapport and maintaining trust with clients. She was a proud recipient of the Morgan Stanley ACE Award in 2009 and Merrill Lynch Responsible Service Growth Award in 2023 and 2024.
Gina serves as a member of the Red Bank Culture Club Committee, volunteers often with local charities, and leads support teams for various events. She is an animal lover, enjoys traveling abroad, snow-skiing and all things encompassing music.
Gina is proud mother to twins, Matthew & Lauren, and a younger daughter, Nicole. All three are college graduates pursuing their respective careers.
Gina and her rescue pup, Brandy, happily reside in Monmouth County, NJ.
