PURPOSE DEDICATION EMPATHY

Our Clear Value Proposition

Our Unique Process is called Giving Your Wealth Purpose™. We are an inspired team of professionals doing great work.  Serving our clients with purpose, dedication, and empathy, we are committed to providing a road map based on sound ethical advice and thoughtful planning, designed to produce quality results. We work to earn the privilege of becoming your trusted advisors.

With our willingness and ability to adapt to change and by embracing new technologies, we are able to continually refine our Unique Process, ensuring that Marmaras & Smith, LLC, offers value that remains relevant to our clients in a changing, competitive world.

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TRUSTED ADVISORS AND ALLIES

Your Team

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Peter B. Marmaras, ChFC®, CFP®

Co-Founding Principal

Peter B. Marmaras is a CERTIFIED FINANCIAL PLANNER™ professional and has earned the Chartered Financial Consultant (ChFC®) designation. He is a co-founding Principal of Marmaras & Smith LLC, an advisory firm located in Bethlehem, Pennsylvania and Bedminster, New Jersey. The firm has a diversified practice in Wealth Management. A member of The Financial Planning Association (FPA), Peter’s experience includes developing personalized financial plans, retirement planning and investment management. He holds a B.S. Degree in Economics and Finance and attended Farleigh Dickinson University where he graduated Magna Cum Laude in 1982. He earned his Certified Financial Planner (CFP®) at the College of Financial Planning/National Endowment for Financial Education, Denver, Colorado in 1990. In 1995, he earned the Chartered Financial Consultant (ChFC®) designation from the American College in Bryn Mawr, Pennsylvania.

Currently, Peter serves on the Board of Trustees for the Delaware & Lehigh National Heritage Corridor in Easton, Pennsylvania and the Fighting Children’s Cancer Foundation in Wayne, New Jersey. He also serves as a trustee at the Wesley United Methodist Church in Bethlehem, Pennsylvania. Peter is a past co-host of the weekly radio program, Managing Your Money (1995-1997). He is a past speaker for board meetings with the American Guaranty & Trust Company, Wilmington, Delaware, and the Sentinel Family of Mutual Funds, Boston, Massachusetts, and is included in “Who’s Who in Finance and Industry.”

An outdoorsman, fly fisherman, published poet, Peter’s interests include the arts, people, community and history. He resides with his wife Karen and their three children, Anne, Grace, and John at their Pennsylvania German farmhouse in Plainfield Township, Pennsylvania.

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Christopher D. Smith

Co-Founding Principal

Chris is a co-founding principal of Marmaras & Smith, LLC, who focuses on developing detailed financial plans for corporate executives and business owners. In working with clients, he seeks to educate, inform, and explain options and strategies, costs and benefits. At Marmaras & Smith, LLC, Chris directs the investment review process and heads fund and securities research. He regularly reviews the asset allocation policies for the organization. Chris is a registered representative of Cetera Advisor Networks.

Like Peter, Chris comes from a family with a tradition of both hard work and strong ethics. He began his career at Dean Witter Reynolds in 1983 as a fixed income trader. In 1984 he joined E.F. Hutton & Company, where he was manager of the Personal Financial Planning Department. In 1987, Chris began building his practice as an independent financial planning practitioner. He is a member of the Financial Planning Association (FPA). Chris created Going for the Gold and has contributed to The Road to Smart Investment Planning and The Road to Successful Retirement, retirement workshops designed with interactive modules that educate and inform participants regarding retirement planning.

Chris is a dedicated alumnus of Rutgers University, where he earned a B.A. degree in economics and finance in 1983. He is an ardent supporter of the Rutgers athletic department. Chris’s enthusiasm for sports extends into his community where he coaches youth athletic teams in both baseball and basketball. Chris enjoys spending time at home in Warren, New Jersey, with his wife, Pam, and their three children.

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Mike Assad

Director of Planning

Michael Assad is a registered representative of and offers securities through Cetera Advisor Networks.  Cash flow management, risk management, investment planning, tax planning strategies, retirement planning, and estate planning are offered through Vicus Capital, Inc.

Michael holds a B.A. degree from the University of Pittsburgh at Bradford.  He has been a Financial Planner for Marmaras & Smith, LLC since 2010.  Michael has a passion for community service.  He has served on two boards within the Lehigh Valley (Young Professional Council of the Greater Lehigh Valley Chamber of Commerce and the National Association of Insurance and Financial Advisors Lehigh Valley Chapter).

An avid fly fisherman, Michael enjoys wading the Lehigh River and its neighboring streams in pursuit of the elusive trout.  Michael resides in White Haven, PA with his wife, Susanne, and sons, Benjamin, Reece, and Nicholas.

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Craig Gillen

Director of Operations

Craig studied Engineering and Economics at Virginia Tech, and began working in the financial services industry in 2002. His passion for operations and compliance led him to become the Branch Manager of an independent investment firm, before joining Marmaras & Smith in 2012.

Craig holds the Series-7, Series-24, Series-4, Series-55, and Series-63 securities registrations. At Marmaras & Smith, he is responsible for operations, new business and insurance processing, and compliance.

Originally from Long Island, New York, Craig now lives in eastern Pennsylvania with his wife Rebecca and their two sons. Craig is an avid water skier and currently serves as President of the Port Indian Ski Club.

Registered administrative assistant of Cetera Advisor Networks LLC, member FINRA/SIPC. Cetera is under separate ownership from any other named entity.

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Phillip Santore

Portfolio Analyst

Phil earned his B.A. degree in mathematics at Duquesne University where he minored in communications. While working as a teacher, Phil developed an interest in finance and economics, which led him back to school where he earned a second bachelor’s degree in business finance from the University of Phoenix.

Phil is Securities Series-7 registered and joined Marmaras and Smith in 2011. He works primarily on portfolio analysis and in trading and rebalancing portfolios. He is responsible for scheduling and preparing client reviews, asset allocation, portfolio management, security research, and client service.

Phil and his wife, Janel, who teaches school, reside in Lehighton, Pennsylvania, with their son and their dog. Phil’s passions include sports, finance, and music. He particularly enjoys playing golf, attending concerts and playing his acoustic guitar.

Registered administrative assistant of Cetera Advisor Networks LLC, member FINRA/SIPC. Cetera is under separate ownership from any other named entity.

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Wade Fisher

Client and Technology Support Services

Wade holds a B.A. degree in telecommunications from Kutztown University. As our Client Service Representative, Wade assists individual clients in processing insurance applications, checks, disbursements, and routine service requests. Wade possesses excellent computer skills and manages the firm’s client database as well as information and technology systems. He also provides technological support to Mike Assad, the company’s senior portfolio and planning analyst. Wade’s experience ensures that Marmaras & Smith, LLC, has the IT tools necessary to service clients in the most efficient manner possible.

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Judy Nordell

Support Services

Judy provides clerical support, assisting with paperwork and record keeping. Actively involved in the day-to-day tasks of the office, she also contributes to multiple client service and support functions.

Judy enjoys reading, traveling, and photography. She lives with her husband Lance and Yorkshire Terrier, Max, in Forks Township, Pennsylvania. Her married son and grandchildren live in Canada; her stepdaughter and children in Pennsylvania.

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Marcin Golebiowski

Associate

Marcin earned his dual B.S. degree in personal financial planning & marketing while studying at William Paterson University. During his tenure, Marcin became a student member of the Financial Planning Association and his team placed in the top 9 in the national financial planning challenge in 2011.

As the newest member of the Marmaras and Smith team, Marcin’s role is to provide executive support to our partners Chris and Peter. He is also on the planning team with Mike Assad constructing comprehensive financial plans for our clients.

Marcin joins our team after spending the first four years of his career at UBS Financial as a Client Resolution Specialist. He was exposed to various areas of wealth management which include mutual fund operations, insurance and annuities operations, alternative investment operations, investment advisory operations and equity plan advisory services.

Marcin is a passionate sports fan and enjoys going to a vast range of sporting events with friends and family. In his spare time, Marcin enjoys bowling competitively, exercising, playing card and board games, spending time at the beach, or with friends.

Registered administrative assistant of Cetera Advisor Networks LLC, member FINRA/SIPC. Cetera is under separate ownership from any other named entity.

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Annie Marmaras

Operations and Executive Associate

Annie earned her dual B.A. degree in Communications Rhetoric and English Writing at the University of Pittsburgh.  As a student, she further developed her passion for helping others while working for the Pitt Alumni Association.  Following her graduation, she spent about a year working in the real estate industry.  As the newest member of our team, she supports our advisor Peter B. Marmaras in executive duties and works in operations.

Annie was excited for the opportunity to gain experience while learning the business alongside her Father.  She is currently furthering her education to expand her qualifications in finance.  She currently lives in Pittsburgh where she is involved with the Pittsburgh Young Professionals.  In her free time, she loves event planning, skiing, and entertaining others.

Morgan Exley

Operations and Executive Associate

Morgan began her financial journey when she started a job for an independent financial firm as a Client Service Associate. What originally was a temporary position to Morgan led her to pursue her newfound passion in the financial industry.

Morgan is a member of our firm’s operations department and also supports our advisor, Peter B. Marmaras, in executive duties. She is currently furthering her education to expand her qualifications.

As a person who enjoys the outdoors, Morgan loves relaxing on her patio, gardening or beginning a new landscaping project. She currently resides just over the border in New Jersey.

OUR PARTNERS AT VICUS CAPITAL

Support Team

Kim Fleck

Kimberli Fleck, Esquire

Senior Vice President & General Counsel

Kimberli is a Regional Director of Cetera Advisor Networks LLC.

Kimberli Fleck is Senior Vice President and General Counsel for PFG. In this capacity, Kim oversees all aspects of PFG’s Compliance and Legal departments, interfacing directly with broker dealer executive staff and State and Federal regulators on behalf of PFG associates. She also serves as Chief Compliance Officer for Vicus Capital, our federally registered investment advisor, and continually monitors all facets of associate compliance requirements. Kim graduated from Pennsylvania State University, receiving her BA in Political Science. She earned her Juris Doctor from the Widener University Commonwealth Law School and is admitted to the Commonwealth of Pennsylvania as an attorney at law. She holds FINRA registrations Series 7, 24, 53, 4, and 66.

Rosenblatt, David

David Rosenblatt

Director, Investment Strategies

David serves as Director, Investment Strategies within Vicus Capital’s Investment Management & Research Department. He serves as the team leader for the management of the firm’s investment platforms lineup. David plays a key role in the management of the firm’s custom portfolios platform, Private Client Strategies™ (PCS™). Within the PCS™ platform, David aids in the construction and management of custom portfolios. Additionally, he oversees the firm’s investment research and ongoing due diligence of investment managers and serves as a member of Vicus Capital’s Investment Committee. David holds a Bachelor of Business Administration in Risk Management as well as a Master of Investment Management degree from Temple University. He is a Level III Candidate in the CFA Program and holds a FINRA Series 65 registration.

Hinson, Rob

Rob Hinson, CFA®

Director, Investment Operations & Trading

Robert is a Registered Administrative Assistant of Cetera Advisor Networks LLC.

Rob is a holder of the Chartered Financial Analyst® designation and serves as Director, Investment Operations & Trading within Vicus Capital’s Investment Management & Research Department. He is responsible for managing all operational aspects of the investment department, including technology systems, vendor relations, as well as processes and procedures. Rob also serves as the primary trader for the firm’s tactical and hybrid platforms. He is a key contributor to ongoing investment due diligence and research and serves as a member of Vicus Capital’s Investment Committee. Additionally, Rob oversees the case design and proposal generation process for qualified retirement plans. He graduated Cum Laude from Central Michigan University and holds a Bachelor of Science in Business Administration degree in Personal Financial Planning with a minor in Accounting. Rob also holds FINRA Series 7 and 66 registrations.

Closz, Jeff

Jeff Closz

Senior Portfolio Analyst

Jeffery is a Registered Administrative Assistant of Cetera Advisor Networks LLC.

Jeff serves as a Senior Portfolio Analyst within Vicus Capital’s IMR Department. In this role, he functions as a key member of the investment team and focuses his efforts on the firm’s custom portfolios platform, Private Client Strategies™ (PCS™). Within the PCS™ platform, Jeff is responsible for analysis, trading and execution of client portfolios. Additionally, he serves as the secondary trader for the ProSelectTM, Social Impact Investing, and FlexChoice Pro platforms. Jeff also contributes to the firm’s investment research and ongoing due diligence of investment managers and serves as a member of Vicus Capital’s Investment Committee. Prior to his position with Vicus Capital, Jeff was an active financial representative and holds FINRA registration Series 7, 63, 65, and 55 as well as Pennsylvania Life, Health, Accident, Property and Casualty Licenses. Jeff is a Gettysburg College graduate with a Bachelor of Arts degree in Economics.