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Congratulations Howard Hook 
 
 
Howard S. Milove, CPA, PFS
Howard Milove’s client base is diverse, and he likes it that way, ranging from small business owners to professionals to retired individuals. To serve them all well, he relies on his ability to adapt financial plans to different situations and think creatively to solve their problems.  But no matter who he’s helping, he’s found that there is one way to tell if what he’s doing is working.

“There’s a certain point with every client when you can actually see the look of relief on their face.  They grasp the fact that their plan is right for them, it’s doable, and it will help get them where they want to be.  They feel like they finally have a direction, and I’m happy to be able to give them that,” says Howard.

Howard is a partner with Access Wealth Planning, as well as its affiliate, EKS Associates. Prior to this, he held positions at a prominent New York City accounting firm, as well as one of the largest financial institutions in the country. He has extensive experience in the fields of financial planning, retirement planning and asset portfolio management and combines his expertise with his natural hands-on style to deliver personalized plans that work.

Howard has been featured in “Ask the Biz Brain,” an expert Q&A column in the business section of The Star-Ledger and also contributes to the firm’s two newsletters, The Advisor  and Financial Advice for the Baby Boomer.  He has taught “Investment ABCs” at the Princeton Adult School in Princeton, New Jersey, and “Financial Strategies for Successful Retirement” at Fairleigh Dickinson University and Bergen Community College.  Howard earned his Bachelor of Science degree in Accounting from Syracuse University, and later obtained his Personal Financial Specialist (PFS) designation, only granted to CPAs who meet stringent requirements of the American Institute of Certified Public Accountants (AICPA).

He is a member of the AICPA, the State Society of Certified Public Accountants for both New York and New Jersey, and the Financial Planning Association.

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Howard Hook, CFP, CPAHoward Hook, CFP®, CPA
Howard Hook knows that the relationship between investments, taxes, and what a client really needs and wants is the most important part of any endeavor.  That’s why comprehensive financial planning that requires strategic thinking, creative solutions, and client education place Howard at his best.  His clients can attest to his passion for it.

“People come to me with big questions - ‘Can I retire?’ or ‘I’m getting divorced, what does that mean for me financially?’ or ‘My spouse died and I didn’t handle the finances, what do I do?’  The only way to help is to address these issues from all angles – investments won’t do it alone; tax planning won’t do it alone.  It all needs to be incorporated into a plan that has a proven process behind it. It also has to be something the client understands and trusts,” says Howard.

What all of Howard’s clients have in common, regardless of their profession or marital status, is an appreciation for his planning style, process and track record. He believes in and enjoys spending time with clients and learning about their situation and life goals. Only then does he implement a proven process and years of expertise to develop an appropriate plan, and explain it in a way that makes sense.

Howard’s ability to make sense of some of life’s most challenging financial situations has attracted positive attention in the region and the country.  He has been named one of Medical Economics magazine’s "Best Financial Advisors for Doctors" six years in a row, as well as recognized as a FIVE STAR Wealth Manager in 2015 and 2016. He has been featured on local business television, and is a regularly published author in local and national magazines and newspapers, as well as online publications. His articles and interviews can be found in The Wall Street Journal, The New York Times, New York Daily News, Investment News, New York PostFoxBusiness.com, Newsday, Huffington Post and TheStreet.com, just to name a few. Locally, Howard can frequently be found answering questions on NJMoneyHelp.com and was a regular contributor to two of The Star Ledger's business columns, "Ask the Biz Brain" and "Get with the Plan," prior to the retirement of these features. He can also be found  for the Wayne.Patch.com Local Voices blog.
 
As a speaker, Howard has participated in panel discussions locally and at national summits, has been an instructor for Certified Financial Planning (CFP®) candidates studying for the CFP® exam in the course area of taxation, and currently teaches at Princeton Adult School, area universities, and not for profit organizations.

Howard is a partner in Access Wealth Planning, LLC, as well as its affiliate, EKS Associates. Personally, Howard is very committed to giving back to his community. He is currently serving a two year term as treasurer and sits on the executive committee of Shomrei Torah Temple in Wayne, New Jersey.  Howard makes himself available to talk with members in need of financial guidance, and also participates in events such as the Financial Planning Association’s “Philadelphia Financial Planning Day." 

A member of the Financial Planning Association, Howard earned his Bachelor of Science degree in Accounting from Binghamton University, and later received his CFP® designation from the College for Financial Planning in Denver, Colorado. 
 

Darren L. Zagarola, CFP®, CPA, PFS
For Darren L. Zagarola, financial life planning isn’t about simply attaining a number.  It’s about securing a feeling of independence.

“Many people stress their financial goals more than their personal goals.  But the personal goals have to come first – the money is just a means to get there.  So the first meeting I have with my clients sounds more like life planning than financial planning, and that’s the way it should be.”
 
Darren finds that when clients realize the relationship between their life goals and their financial goals they feel empowered to trust the process, understanding that numbers are merely a part of the plan. He also advocates socially responsible, values-driven investing, educating clients that they can indeed build an investment strategy that is in line with their morals. 
 
Darren is actively engaged in his community.  He teaches “Investment ABCs” and “Retirement Planning in Turbulent Times” at the Princeton Adult School, educates seniors at the Princeton Senior Resource Center on Senior Day, and frequently volunteers his time to talk about different financial topics to community and resource centers, non-profit groups, and businesses. Recognized as a FIVE STAR Wealth Manager many years in a row, he is also frequently published and interviewed by The Wall Street Journal, The New York Times, CNBC.com, Private Asset Management, and others.
 
"People need to know that there are financial planners out there who are dedicated to meeting their clients’ needs, not just selling products. There’s also a process to all of this; steps we take and factors we consider to ensure that we are building the most appropriate plan for an individual. This is the work I’ve always wanted to do, and I want to reach as many people as I can with it.”

Prior to becoming a partner in Access Wealth Planning and its affiliate, EKS Associates, Darren gained valuable financial and client service experience as the Director of Internal Audit of a multinational manufacturing firm, and as an Audit Manager at Ernst & Young.  He earned his Bachelor of Science degree in Accounting from King’s College, and later obtained his CFP® designation from the College for Financial Planning in Denver, Colorado, in addition to completing the Financial Planning program at Fairleigh Dickinson University.  This combined training has made him a more successful and knowledgeable advisor. He is a member of the Financial Planning Association, the American Institute of Certified Public Accountants, the New Jersey Society of Certified Public Accountants, and the Pennsylvania Society of Public Accountants.

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Bruce Milove, CPA, PFS
Bruce is a Partner in Access Wealth Planning, LLC and is responsible for the firm's Strategic Alliance Professional Program, designed for CPA professionals who are developing a financial planning practice. This successful program has taught numerous CPAs how to better understand financial planning and asset portfolio management so they may educate their clients on the importance of these activities. For more than 20 years, Bruce has been providing financial planning, tax planning and investment advisory services to his individual and business clients.

Before joining Access Wealth Planning, Bruce was the Chief Financial Officer for a multi-conglomerate communications company, where he was responsible for acquisition, portfolio management, and retirement plan administration. His business accomplishments have qualified him for membership in the American Association of Entrepreneurs, as well as the Financial Executive Institute. He received the Outstanding Service Education Award from the Foundation of Accounting Education in both 2000 and 2001.

Bruce has made numerous appearances on financial programs on ABC and CBS radio, as well as The Boomer Financial Radio Network.  He has published many financial articles for business and trade magazines and newspapers, and publishes the firm's two semi-annual newsletters, The Advisorand Financial Advice for the Baby Boomer.  Bruce is a guest lecturer for the New York State Society of CPAs and for corporations.  Bruce is also a regular contributor to the firm's two newsletters


Bruce is a member of the Financial Planners Association, the American Institute of Certified Public Accountants, the New York State Society of Certified Public Accountants (NYSSCPA) and the New Jersey Society of Certified Public Accountants (NJSCPA). He is the past chairman of the NYSSCPA's Personal Financial Planning Committee and is presently an active member on the NJSCPA's Personal Financial Planning Committee.  

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Larry Zagarola, CPA, PFS, MBA
Larry, a Partner in Access Wealth Planning, LLC, was previously associated with the accounting and consulting firm, CohnReznick (previously J.H. Cohn LLP) for 40 years, providing clients with auditing, tax planning and consulting services. He also held the elected position of Managing Partner for seven years, led the firm's consulting division, and subsequently became managing director of the firm's wealth management business. 
 
Larry is a member of the American Institute of Certified Public Accountants, the New York State Society of Certified Public Accountants and the New Jersey Society of Certified Public Accountants, and has served on numerous boards and committees of both not-for-profit agencies and governmental agencies. He received a Bachelor of Science degree in Accounting from Seton Hall University, a Master of Business Administration in Taxation from Pace University, and completed the Certified Financial Planner course at Fairleigh Dickinson University.    

 

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Michael P. Chomiak, AAMS®
Michael joined Access Wealth Planning in 1997 and is a dedicated and trusted asset to the firm and its clients. In addition to advising clients on their investments, he serves as the co-chair of the Investment Committee and performs much of the research and implementation of the firm's investment policies. He also works closely with the rest of the Access Wealth Planning team to ensure clients' financial plans are in order.

He holds the Accredited Asset Management Specialist (AAMS®) designation, sponsored by the College for Financial Planning in Denver, Colorado.  This program includes a rigorous course of study encompassing investments, insurance, tax, retirement, and estate planning issues.

Prior to this certification, Michael also earned a Bachelor's degree in Political Science from the William Paterson University in New Jersey. 
  
 

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Robert S. Epstein, ChFC®
Robert brings a solid business background to the clients he serves at Access Wealth Planning. He is a valuable asset, working closely with his clients and in conjunction with each planner to put together tailored financial plans. Robert is skilled at developing plans that are effective and comprehensive, yet easy for clients to review and understand.

Robert enjoys teaching and recently co-taught a five-session estate planning seminar at the Hamilton Adult School. He also contributes to the firm's two newsletters, Financial Advice for the Baby Boomer and The Advisor, writing on a variety of financial topics that are relevant to the firm's client base.

Prior to joining the firm in 2006, he held a variety of corporate positions that provided him with the expertise he shares with clients and Access Wealth Planning today. Robert served as Director of Information Systems and then Director of Production for a large corporation. He then owned his own manufacturing business, which he ran for five years before deciding that the financial services industry was where he could make the most difference in people's businesses and lives. 

In 2015, Robert attained the Chartered Financial Consultant (ChFC®) designation through The American College. This rigorous program addresses a wide variety of current topics such as: behavioral finance, special needs planning, small business planning, financial planning for clients in the LGBT community, financial planning for divorce, and much more. He also holds a Bachelor's degree in History from the City College of New York.  
 

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Tracy Hagberg

Office Manager and
Chief Compliance Officer
 

 

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Jessica Snow

Administration

 

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Debra Long

Securities Administrator

 

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 Diane Politano

Receptionist

 

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