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Meet Our Team

MASTERY AND COMMITMENT

Our years of experience and expertise are combined with the innovative financial technology and deep resources of Northwestern Mutual. We bring a highly credentialed team. Our team’s designations include CERTIFIED FINANCIAL PLANNER™, Retirement Income Certified Professionals (RICP®), Chartered Life Underwriters (CLU®), Chartered Financial Consultants (ChFC®), Chartered Advisors for Senior Living (CASL®) as well as Registered Employee Benefit Consultants (REBC®), Registered Health Underwriters (RHU), Wealth Management Certified Professional (WMCP®), and Accredited Estate Planners (AEP®). We work with you, your family, and other trusted advisors - including attorneys and accountants - to build your financial plan and coordinate implementation.

Today more than ever, CFP® professionals are an essential resource. From budgeting, to planning for retirement, to saving for education, to managing a client's insurance coverage; "finances" doesn't mean just one thing for most Americans — and "financial planning" means much more than just investing.  CFP® professionals have completed extensive training and experience requirements and are held to rigorous ethical standards. They understand the complexities of the changing financial climate and make recommendations in the client's best interest.

The Chartered Life Underwriter® (CLU®) has earned its distinguished reputation as the standard of excellence in insurance. This prestigious course of study provides in-depth knowledge on the insurance needs of individuals, business owners and professional clients with particular emphasis on ethics and commitment to clients.

The Chartered Financial Consultant® (ChFC®) program prepares your financial professional to meet the needs of individuals, professionals, and small business owners. With an emphasis on the key financial planning disciplines, including insurance, income taxation, retirement planning, investments, and estate planning ChFC designees are expertly prepared to guide you through a wide array of financial topics.

Chartered Advisor for Senior Living (CASL) is a professional designation for individuals whose advise helps older clients achieve financial security. The five-course curriculum prepares the financial professional to guide clients through retirement while helping them with the management, preservation, and transfer of wealth.

The Accredited Estate Planner® (AEP®) designation is a graduate level specialization in estate planning. It is awarded by the National Association of Estate Planners & Councils (NAEPC) to recognize estate planning professionals who meet stringent requirements of experience, knowledge, education, professional reputation, and character, and who commit to the team concept of estate planning.

While many financial professionals are experts at wealth accumulation, there is an urgent demand for practical ways to structure effective retirement income plans. The risks clients face-economic and market uncertainty, inflation, outliving available income, changes in social safety nets, and rapidly escalating healthcare costs-mean financial professionals need all the latest thinking and techniques to serve their clients’ changing needs. The RICP designation covers the full retirement planning process.

The Wealth Management Certified Professional (WMCP) delivers evidence-based strategies that equip financial professionals with the knowledge to develop sophisticated plans that meet a range of client goals.  By utilizing investments and financial products, tax strategies, and effective communication to manage behavioral challenges, wealth transfers, and asset management, financial professionals can use the skills they learn in the WMCP® program to improve outcomes for their clients.

Today more than ever, CFP® professionals are an essential resource. From budgeting, to planning for retirement, to saving for education, to managing a client's insurance coverage; "finances" doesn't mean just one thing for most Americans — and "financial planning" means much more than just investing.  CFP® professionals have completed extensive training and experience requirements and are held to rigorous ethical standards. They understand the complexities of the changing financial climate and make recommendations in the client's best interest.

The Chartered Life Underwriter® (CLU®) has earned its distinguished reputation as the standard of excellence in insurance. This prestigious course of study provides in-depth knowledge on the insurance needs of individuals, business owners and professional clients with particular emphasis on ethics and commitment to clients.

The Chartered Financial Consultant® (ChFC®) program prepares your financial professional to meet the needs of individuals, professionals, and small business owners. With an emphasis on the key financial planning disciplines, including insurance, income taxation, retirement planning, investments, and estate planning ChFC designees are expertly prepared to guide you through a wide array of financial topics.

Chartered Advisor for Senior Living (CASL) is a professional designation for individuals whose advise helps older clients achieve financial security. The five-course curriculum prepares the financial professional to guide clients through retirement while helping them with the management, preservation, and transfer of wealth.

The Accredited Estate Planner® (AEP®) designation is a graduate level specialization in estate planning. It is awarded by the National Association of Estate Planners & Councils (NAEPC) to recognize estate planning professionals who meet stringent requirements of experience, knowledge, education, professional reputation, and character, and who commit to the team concept of estate planning.

While many financial professionals are experts at wealth accumulation, there is an urgent demand for practical ways to structure effective retirement income plans. The risks clients face-economic and market uncertainty, inflation, outliving available income, changes in social safety nets, and rapidly escalating healthcare costs-mean financial professionals need all the latest thinking and techniques to serve their clients’ changing needs. The RICP designation covers the full retirement planning process.

The Wealth Management Certified Professional (WMCP) delivers evidence-based strategies that equip financial professionals with the knowledge to develop sophisticated plans that meet a range of client goals.  By utilizing investments and financial products, tax strategies, and effective communication to manage behavioral challenges, wealth transfers, and asset management, financial professionals can use the skills they learn in the WMCP® program to improve outcomes for their clients.

Henry P Cerruti CFP®, ChFC®, CASL®, AEP®, RICP®

Founder, Partner and Private Wealth Advisor

Nicholas A LLerena CFP®, ChFC®, CASL®, AEP®, RICP®

Partner and Private Wealth Advisor

Zacharey J. Cerruti RICP®, CLU®, CFP®, ChFC®

Partner and Private Wealth Advisor

Tim Honce CFP®, CLU®, ChFC®, RICP®

Private Wealth Advisor

Jennifer L O'Brien CLU®, ChFC®, CASL®, RICP®, WMCP®

Private Wealth Advisor

Robert Novotny B.S.

Private Wealth Advisor

Nico Schapira CFP®, ChFC®

Director of Planning

JoAnn M Surrusco

Director of Insurance Operations

Maureen J D Amico

Director of Investment Operations

Kimberley Cerruti

Director of Branding and Client Experience

Thomas C Mueger ChFC®, CFP®

Private Wealth Associate

Michael Castrogiovanni

Associate Wealth Management Advisor

Julianne Murphy

Executive Assistant

Emmanuel Ponce Padron MBA

Planning Associate