ABOUT HFM

Why HFM Investment Advisors

Our mission is to educate and empower our clients to help them make wise financial decisions. We believe that all areas of your finances should work together toward your goals. HFM provides whole-picture financial advice that includes budgeting, taxes, investments, retirement, debt, legacy, and more. We also adhere to the following principles:

Keep it simple: You will not be buried in financial minutiae. Instead, we will distill our findings into actionable recommendations and present them in clear terms.
Be transparent: You pay us only for the services you want to receive. We do not sell any commission products that would create a conflict of interest. We always put your interests above our own.
Serve as a team: You will benefit from the experience of an entire team. Each member will apply their unique strengths in building your financial plan.
Partner for the journey: You can rely on us as your sounding board for all your financial decisions, and ask that you reach out to us between meetings with any concerns.
Educate for confidence: You will have access to our educational workshops on important financial issues, including behavioral strategies for the markets and what to expect from your investment accounts.
Provide access: You are given a secure personal online portal, which is your one-stop access for tracking goals, investment account balances, cash flow, financial statements, tax documents and much more.

Meet Our Team

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Michael P. Pallozzi

Michael P. Pallozzi

PRESIDENT

Michael Pallozzi counts his most satisfying career moment as the day HFM Investment Advisors became a fiduciary for all clients. The firm’s previous broker-dealer arrangement had left Michael chafing over the challenges the team needed to surmount to act in clients’ best interest. Now, as an independent Registered Investment Advisor, the firm could freely serve as clients’ fiduciary advisor in providing comprehensive financial planning and investment management.

Michael launched his financial services career in 1998 as an intern from Rutgers University. He went on to develop a successful life insurance and financial planning practice working with closely held business owners and employees. Today, he draws on that experience to manage the personal wealth and corporate 401(k) plans of business owner clients of HFM. He helps coordinate their personal and business objectives and provides integrated strategies that include succession and retirement planning.

In addition, Michael manages extensive responsibilities as our President and Chief Financial Officer. He executes and maintains our firm’s vision for the wealth management and 401(k) departments and has led our annual coat drive for the past 10 years, a successful outreach that he finds thoroughly gratifying.

Outside of the office, the Washington Township resident relishes time with his wife, Angella, and three children. Many people don’t know this, but Michael was 15 when he first saw Angella walking on a beach, and he immediately knew they would be married. His persistence paid off and they started dating six months later and married 10 years after that. The couple love their times in Italy, especially on the Amalfi Coast and Positano. Michael also appreciates time at New Jersey’s Ocean City Beach, long rides on his road bike, and relaxing with a good bourbon and cigar.

Education

Bachelor of Science, Finance and Marketing, Rutgers University

Memberships and Community Involvement

Gloucester County Chamber of Commerce: Immediate Past Chairman of the Board, Chairman of the Executive Club Committee
Rowan College of South Jersey Foundation: Board Treasurer
Tavi-time Foundation: Active Member
Washington Township Education Foundation: Past Treasurer

Jason F. Gabrieli, CFP® Photo

Jason F. Gabrieli, CFP®

Financial Advisor | Chief Compliance Officer

Jason F. Gabrieli, CFP®

FINANCIAL ADVISOR

Having grown up in a family of entrepreneurs, Jason was immersed in the value that being prepared to succeed is a key element with any plan you make. It is for that reason that he prepared himself for the rigors of the financial services industry. He is now able to effectively coach clients through complex concepts in order to give them the confidence to achieve their long-term financial peace of mind.

His preparation began with his studies at the Robert H. Smith School of Business at the University of Maryland. Outside the classroom, Jason worked at HFM as an Intern in the summer and saw the real-life dynamics to financial planning. He was hooked and began working with up-and-coming business leaders like him to help them achieve their financial goals.

A commitment to life-long learning, Jason earned his CERTIFIED FINANCIAL PLANNER™ designation in the spring of 2016.

Jason is an investment specialist, business development professional and the firms’ technology guide in helping HFM provide a new standard of efficiency and education for our clients. He has helped standardize processes to improve the firm’s efficiency, provides financial education workshops and is active in many networking groups and non-profit initiatives.

A Rotarian since 2010, Jason has most recently served with the Rotary Club of Glassboro. He volunteers his time and talents for the American Cancer Society, MS Society, Kids’ Alley, and People for People Foundation. Jason was named as one of South Jersey Biz Magazine’s top “20 under 40” for 2016.

He is also a new Dad. He and his wife, Carolyn welcomed Luca into the world in January and he has been working hard on being the best Dad he can be.

Catherine Allen-Carlozo, CFP® Photo

Catherine Allen-Carlozo, CFP®

Financial Advisor

Catherine Allen-Carlozo, CFP®

FINANCIAL ADVISOR

When one of Catherine’s clients sat at an auto showroom talking with a car dealer about a new car a couple of years ago, she put Catherine on the phone to make sure she would get the best deal possible. She got it.

That’s what Catherine means by providing comprehensive financial planning advice to clients. Catherine knows finances just don’t happen on a balance sheet. It impacts real life opportunities and consequences everyone of her clients face.

Catherine’s mission for the past 30 years has been to build the sort of client relationships that make them feel comfortable. From calling her for car and house buying advice to helping them construct a new future should they face life altering situations, Catherine’s clients know they have a trusted advisor on their side.

Catherine is a CERTIFIED FINANCIAL PLANNER™, an earned designation that helps ensure she is always prepared to educate and empower her clients. After graduating from Rider University, she began as an assistant at Merrill Lynch and soon became a financial consultant who focused on stock trading and mutual fund investing. Having earned her CFP certification in 2006, Catherine turned her attention more towards providing comprehensive financial planning as well as asset management.

She became a valued member of the HFM Investment Advisors, LLC team in 2018 and changed her role to a Registered Investment Advisor, officially leaving the commission world behind. Catherine is also a Retirement Income Certified Professional.

When not helping clients through life events, or important personal purchases, Catherine enjoys her life with her husband Anthony Carlozo and is step mom to three children. They reside in Mullica Hill, NJ. She is quite the Zumba enthusiast. But the exercise is nothing compared to her fascination with Space and the universe, as her brother, Andrew Allen, is a NASA Astronaut.

Catherine's Speaker Sheet

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Roxanne McGee

Client Service Coordinator

Roxanne McGee

CLIENT SERVICE COORDINATOR

Roxanne McGee is the team member in the office who makes sure every “i” is dotted and “t” is crossed so that our clients’ experience is as smooth as possible. Smart and meticulous, Roxanne commands the vast and complex back office administration that this firm demands.

Roxanne brings more than 20 years of customer service experience and client relations skills to HFM. Having previously served as office administrator for the Washington Township Chamber of Commerce, Roxanne excels in the “details matter” category.

When clients have questions about their investment accounts, insurance policies, address or beneficiary change, Roxanne confidentially and accurately provides the personal assistance they need.

She and her husband, Jack reside in Washington Township where Jack is an assistant superintendent of schools. They are the proud parents of two boys. Roxanne also shows her commitment to her community, by serving as a member of the Washington Township Education Foundation.

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Caitlin Ege

Retirement Plan Relationship Manager

Caitlin Ege

RETIREMENT PLAN ASSOCIATE

There are intricacies to every single component of company 401(k) plans. If an employer were to mishandle any of them, they could be subject to fines and a poorly functioning retirement plan with their employees. This is why Caitlin Ege’s job is so important. She is the “point person” of our HFM401(k) Process with our retirement plan sponsors and participants.

As a former client service administrator for JP Morgan Securities, Caitlin learned how to manage intricacies as part of the administrative support team. She learned the value of maintaining strong relationships with a broad range of people and departments; from trading, margin, credit, and banking products. Through this role and others since, Caitlin developed a unique and intricate perspective in effective management of payrolls, retirement contributions, employee account management, 1099 processing and more.

In her role at HFM, Caitlin works to protect plan sponsors, guide positive participant outcomes and unify the client’s service team. She leads the coordination of investment fund change documentation, ensures continuous client, financial advisor, TPA and recordkeeper contacts through the implementation and onboarding process. She meets with perspective clients, and stays vigilant to the needs/updates of our current clients and their employees.

A graduate of the University of Georgia, she was a long way from her Long Island home where she enjoys a close-knit relationship with her two brothers and really large extended family.

To deepen her roots in the Southern New Jersey region, Caitlin has been an enthusiastic volunteer with the Gloucester County Habitat for Humanity and the Gloucester County United Way.

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Sabrina Moldoch

Client Service Associate

Sabrina Moldoch

Client Service associate

With a background in travel agency work as well as traveling the world as a child, it makes sense that Sabrina Moldoch is the first person who greets our clients when they come to or call into our office.

Sabrina brings 20 years of customer service experience to our clients here at HFM. Her past work included customer services for a travel management and a large financial firm.

As well as being the friendly greeter when you call or come into our office, Sabrina also ensures our office operates smoothly. She assists all clients with customer service needs and questions.

Recognizing and knowing how to care for the varied needs of clients was a skill Sabrina learned early on. As the step child of a career Air Force man, Sabrina learned how to adapt quickly to differing environments during her summer-long visits to see him in Germany, Italy and England.

When not attending to the needs of our clients, staff and office, Sabrina is a busy mom of two daughters. She also enjoys reading, camping and sitting outside with her husband and their family in their nice big back yard.

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Tyler Reedman

Associate Advisor

Tyler Reedman

ASSOCIATE ADVISOR

As a new graduate of Rutgers University Business School and a once intern with HFM, Tyler Reedman is in a unique position to apply the latest educational principles with our 360° Process to help clients achieve their goals.

Currently in the process of studying for his CERTIFIED FINANCIAL PLANNER™ designation, Tyler’s responsibilities have grown considerably since becoming a full member of the HFM Team.

Prior to coming on as an Associate Advisor, Tyler worked at Prudential Investments in Newark, New Jersey as a Mutual Fund Administration Intern. He then spent a summer living in New York City while working for the French bank BNP Paribas as a Consulting Americas Analyst. Through these experiences, Tyler gained exposure to global markets and completed projects focused on improving efficiencies at these large financial institutions.

Tyler communicates directly with clients to ensure their financial information is both accurate and up-to-date. His attention to detail and ability to communicate concepts clearly helps simplify the complexities of planning analysis and investments.

During his time at Rutgers University, Tyler was active in a handful of philanthropic events, such as Junior Achievement Day and Dance Marathon, which raises money to support the Embrace Kids Foundation. He also previously served as president of the Youth Red Cross of Gloucester County.