Broker Check

Meet the Team

HUGO PAPA, CPA

Founding Partner

239-430-7007

Hugo@HPAFinancial.com

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.

 

Olivia Papa

Founding Partner, HPA Financial Group, LLC, A Registered Investment Advisor

239-430-7007

olivia@hpafinancial.com

 "Our value, as advisors, goes well beyond investment selection and asset allocation. Our focus is to understand our clients' goals, put them in the best position to exceed these goals and to deliver an outstanding investment and financial life planning experience."

 

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.

 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.

Olivia's commitment to the retirement needs of her clients has led to her development and promotion of a diversified investment strategy consisting of growth and income and the use of guaranteed returns to meet core needs, if required. 

 With over 30 years of experience in all phases of investment consulting, her current focus is to surpass clients' needs, bring clarity, objectivity and efficiency to their financial lives, keep them focused on long-term financial goals and put them in the best position to have a good outcome.

She is currently a founding partner of H Papa & Associates, a CPA & Advisory firm.

She is a founding partner of HPA Financial Group, LLC , A Registered Investment Advisor.

Robert N. Oram

Director of Securities Industry Practice

203-856-1850

Bob@HPAFinancial.com

 

 

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.

http://securitiesexpert.org/member_profile.php?member_id=120

 

Expertise

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.

Bio
Bob 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.

Client Centered

Client Centered

Whether you are investing to build wealth, protect your family, or preserve your assets, our personalized service focuses your needs, wants, and long-term goals.

Our team of professionals have years of experience in financial services. We can help you address your needs of today and for many years to come. We look forward to working with you.