BA St. Peter's College, MBA Fairleigh Dickinson University - Accounting and Taxation
U.S. Army Veteran - HHD 11th Special Forces Group (Airborne)
Presently, Managing Partner of H PAPA & ASSOCIATES, a CPA and advisory firm focusing on taxation, investment strategies, and qualified plan design and maintenance.
Hugo specializes in tax and retirement planning strategies, distribution planning, as well as wealth transfer, trusts and charitable giving. He is a Founding Partner of HPA FINANCIAL GROUP, a Registered Investment Advisor.
Hugo is a member of the AICPA, Personal Financial Planning and Tax Sections.
Business Owner- Hugo has had a private CPA practice since 1978. His focus was tax preparation for individuals, business owners and trusts as well as tax planning and efficiency, small business planning and structuring, and estate preservation techniques.
Leading Customer to success-In the early 80s one of his clients, Newark Beth Israel Health System, a leading NJ hospital came to him with a desire to reach out to the urban community to make health care accessible. Together with one of their practicing physicians, he conceptualized this idea, did the financial projections and budgeting. It was presented to the Board of Trustees, approved and budgeted. It became one of the first off site Geriatric Healthcare Centers in the country. This model was met with such success that the Board of Trustees used it as a prototype and mandated other departments to follow suit. This was the precursor to what we know today as urgent care centers, surgery centers, etc.
Prudent Leadership -CFO and Joint Owner of a medical device manufacturer. His mandate was to identify the critical initiatives needed to take the company to the next level. Among these initiatives, the most significant was the establishment of an innovation and engineering cell specializing in prototype to full product development for medical devices and pharmaceutical packaging. This cell provides a quick solution to large corporations in expediting concept development. Bayer Pharmaceuticals is one prominent client utilizing their innovations in plants worldwide.
Engaged Opportunities -Became partner and CEO of a precision machining manufacturer specializing in low-cost/high-production runs. Company was sold.
BA William Paterson University; MBA Finance, Pace University
Olivia started her financial career with Shearson Lehman Brothers as a financial consultant rising to the level of first vice president. During her 14 years with the firm, along with managing her clients’ investment assets, she was the insurance advisor for a branch of 45 brokers and assistants as well as one of the only branch consultants providing options and commodities advice to clients and peers.
In 1999, Olivia established her own Registered Advisory firm, Paragon Investment Advisors. PIA managed over $50 million in assets, providing investment and advisory services in both traditional and alternative investments for high net worth individuals and institutions.
Olivia developed and promoted a conservative investment strategy consisting of growth, income, and guaranteed returns ensuring clients minimum risk in volatile markets and participation in upside growth.
The Real Estate division of Paragon provided developers and property owners advice on land use, management, acquisition and disposition planning of sites ranging from 10,000 to 100,000 square feet. Along with potential property acquirers, PIA advised business owners on building, leasing and financing their own building.
With over 25 years of experience in all phases of investment consulting, her current focus is strictly on helping clients protect their assets and reach their retirement and income planning goals.
Director of Securities Industry Practice
Bob Oram, head of the Securities Industry Practice at H Papa & Associates, consults on securities industry dispute resolution issues. Bob advises brokerage firms, brokers, investors and legal counselors on regulatory matters pertaining to securities transactions and brokerage accounts. He conducts forensic evaluations of securities matters to make determinations, draw conclusions and form opinions related to unauthorized trading, excessive trading, margin, suitability, supervision, compliance, FINRA and SEC regulations, compliance manuals and asset allocation.
Bob's expertise and understanding of the securities industry are invaluable to individuals and institutions looking to resolve complicated issues involving securities transactions and the handling of brokerage accounts, including in litigation or alternative dispute resolution.
He is a member of the prestigious Security Experts Roundtable.
Branch management, registered representative and registered investment adviser supervision, compliance, suitability, excessive trading, excessive commissions, margin, disclosure issues with regard to firm underwritings, client communications, operations.
BioBob Oram is a financial services professional who worked at some of the nation’s largest broker-dealers during his Wall Street career. Bob advises brokerage firms, brokers, investors and legal counselors on regulatory matters pertaining to securities transactions and brokerage accounts. Bob conducts reviews of all documents to assist in identifying potential infractions such as, but not limited to, excessive trading (churning), excessive markups (commissions) and unsuitable recommendations. He provides frank, independent testimony during FINRA arbitration. Bob’s expertise and understanding of the securities industry are invaluable to individuals and institutions looking to resolve complicated issues involving securities transactions and the handling of brokerage accounts, including in litigation or alternative dispute resolution.
Bob’s experience as a retail branch manager includes supervision and oversight of registered representatives and client accounts. His supervisory responsibilities included the following: review of all trading activity to assist in identifying potential infractions such as excessive trading (churning), excessive markups (commissions) and unsuitable recommendations. Branches managed by Bob underwent successful internal audits as well as audits performed by the NYSE, SEC and CBOE. Bob has testified in broker arbitrations at FINRA arbitrations as well as in civil cases. He left the securities industry after 32 years with a spotless Form U4.
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