Paul Cipriano


Cipriano Wealth Management, LLC

Founder/Managing Member

Paul Cipriano


Cipriano Wealth Management, LLC

Founder/Managing Member

As a fee-only financial planner, my focus is to offer unbiased financial advice to help you achieve your life goals. - Paul Cipriano, CFP®, MBA

Fee-Only financial planner located in Florham Park, NJ, serving clients locally and across the country

Paul Cipriano is a Florham Park, NJ fee-only financial planner. Cipriano Wealth Management, LLC provides comprehensive and objective financial planning, including tax planning, estate planning and retirement planning, to help Gen X and Gen Y individuals, pre-retirees, retirees and small business owners organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Paul Cipriano is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.

Hi!  I am Paul Cipriano, CFP®.  I launched Cipriano Wealth Management, a Registered Investment Advisor, to utilize my background and experience to help individuals manage their personal finances. I combine my experience with a strong technology platform to efficiently deliver a high-quality, personalized service for each of my clients.

Who I Am

I was born, raised, and have always resided in northern New Jersey. I managed a Star Ledger paper route during my youth and dreamed of making my mark in “the city” when I grew up. I received my undergraduate degree in Finance from Seton Hall University which is also where I met my wife Jennifer. My passion for the world of investments was ignited the first time I stepped on to an equity trading floor out of college. My desire to learn all I could about the business drove me to attain my MBA at NYU’s Stern School of Business where I studied on nights and weekends, keeping my full-time job during the week. I made the daily commute from New Jersey to New York for 28 years. My wife and I are proud to have raised three wonderful children and one lovable yorkie-poo during our 24 years of marriage. My favorite moments are spent with my family at the Jersey shore, cooking and sharing meals with family and friends, rooting for my favorite teams, and enjoying some quiet time with a book or crossword puzzle.

I’m passionate about the work I do and the opportunity it provides to make a meaningful impact in the lives of my clients. I hold the CERTIFIED FINANCIAL PLANNER™ designation and am a member of the CFP Board. I maintain affiliations with several professional organizations including XY Planning Network, National Association of Personal Financial Advisors – NAPFA and Fee-Only Network.

Professional History

After 6 years in various roles supporting the institutional trading desks at Paine Webber and Morgan Stanley, I landed a role as a trader on the equity swaps desk at Morgan Stanley in 1998. For the next 23 years, I managed trading businesses alongside some of the best and brightest professionals on the institutional equity trading desks at Morgan Stanley, Lehman Brothers, Merrill Lynch, Citigroup and Credit Suisse. I’ve spent my career managing risk and producing investment strategy and market content for many of the world’s largest institutional hedge funds, pension funds and asset managers.

Education and Qualifications

  • Certified Financial Planner ™ (CFP®)
  • Seton Hall University – BS, Finance (1992)
  • New York University – MBA, Finance / Economics (1998)

Paul Cipriano is a Member of the National Association of Personal Financial Advisors

The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.

NAPFA members live by three important values:

  • To be the beacon for independent, objective financial advice for individuals and families.
  • To be the champion of financial services delivered in the public interest.
  • To be the standard bearer for the emerging profession of financial planning.

Cipriano Wealth Management, LLC is a fee-only, independent registered investment advisor offering comprehensive financial planning under a flat fee structure or combined with ongoing investment management services with fees based on the value of the assets managed (AUM). 

I’m Paul Cipriano and I’m the founder of Cipriano Wealth Management. My relationships with my clients are based on careful listening, down-to-earth discussions and thoughtful solutions.

I help my clients navigate a complicated financial landscape by remaining focused on three foundational questions:

  • Where are you now?
  • Where do you want to be?
  • What’s the most efficient and viable path towards getting there?

Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.


  • Comprehensive Financial Planning
  • Retirement Income Planning
  • Investment Management
  • College Education Planning
  • Tax Planning

Ideal Clients

  • Retirees and Near Retirees
  • Growing Families
  • Business Owners and Executives
  • Sudden Money Situations
  • Novice Investors

Working Together

  • In-Office Meetings
  • Virtual Meetings
  • Clearly Defined Fees
  • No Product Sales
  • Complimentary Initial Consultation

Professional Designations & Affiliations

  • National Association of Personal Financial Advisors (NAPFA)
    Paul Cipriano is a NAPFA-Registered Financial Advisor

    The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.

  • Certified Financial Planner (CFP)
    Paul Cipriano is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for Verification

    CFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.

  • XY Planning Network
    Paul Cipriano is a Member of the XY Planning Network

    The XY Planning Network is the leading organization of fee-only financial advisors who are focused on working with Generation X and Generation Y clients. Our mission is to connect consumers with best-in-class financial advisors who specialize in working with clients just like you.

  • Financial Planning Association
    Paul Cipriano is a member of The Financial Planning Association® (FPA®)

    FPA® is the largest membership organization for CFP® professionals in the U.S. and supports high standards of professional competence, ethical conduct, and clear, complete disclosure when serving clients.

Contact Paul Cipriano

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Office Locations:

  • 256 Columbia Tpke, Suite 101
    Florham Park, NJ 07932

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