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Our Team

We Work with Middle Class Families

New Horizons was founded in 1982 by Robert Giarraffa to help clients make their lives more enjoyable. Originally a chemist for 15 years, Bob would do retirement planning for co-workers in his spare time for fun before Financial Advisor was even a career.  He decided to follow his passion, obtaining his MBA, and went to work in a brand new industry.

Over 35 years later, the firm has grown into a team of professionals with more than 100 years combined industry experience and clients across over 35 states.

We focus on Middle Class Families with The Enjoy More BlueprintTM, our process designed specifically for you.

Robert Giarraffa, MBA

Founder and Wealth Manager

robertgiarraffa@nhwmllc.com

Robert Giarraffa attended St. John’s University in Queens, NY, graduating in 1968 with a Bachelor’s Degree in Chemistry. He began his career in the pharmaceutical industry where he worked for 15 years...

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Joseph P. Okaly, CFP®, CFS®

Wealth Manager

josephokaly@nhwmllc.com

Joe graduated from The College of New Jersey where he obtained a Bachelor of Arts degree in Finance and graduated with honors. He has worked for New Horizons Wealth Management LLC as a Financial Advisor since 2008, working with...

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Christopher Cvitan, CFP®

Wealth Manager

christophercvitan@nhwmllc.com

Graduating from James Madison University with a Bachelor’s in Finance, Chris then earned his Certificate in Financial Planning from Fairleigh Dickenson University. 

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Tara Recupido, BA

Wealth Manager

tararecupido@nhwmllc.com

Tara graduated from the University of Delaware in 2001 with a Bachelor of Arts degree in both Consumer Economics and Italian. She currently holds her Series 7 and 66 Securities licenses and her Life, Health, and Long-Term Care...

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Savia Giarraffa

Client Services Manager

saviagiarraffa@nhwmllc.com

Savia was born and raised in New York City. She attended a private elementary school and business high school, graduating with a full scholarship to New York University. Savia is married with 2 children and resides in Randolph, NJ....

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Barbara Ricciardi

New Business Manager

barbararicciardi@nhwmllc.com

Barbara Ricciardi was born and raised in the New York City area. At age 16, her family moved from NYC, her favorite city in the world, to rural New York, to a small four corners way up by the Canadian border. That cured Barbara of...

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Kimberly Matlock

Client Servicing Specialist

kimberlymatlock@nhwmllc.com

Kim was raised in Jackson, NJ, and currently resides in Berkley Heights. She studied International Business at Montclair State University. Kim excelled in the classroom as well as the volleyball court, being part of a championship...

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Jessica Chowdhury

Client Servicing Specialist

jessicachowdhury@nhwmllc.com

Jess is local to Northern New Jersey, being raised close by in Roselle Park. After high school, she continued her education here in NJ, attending Rutgers University, where she made the Dean’s list and interned at Union County...

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Wayne Johnson, BS

Wealth Manager

WayneJohnson@tfsrep.com

Wayne graduated from Rider University, in Lawrenceville, New Jersey in 1972 where he obtained a Bachelor of Science in Commerce, majoring in Accounting. He served in the Army National Guard from 1972 to 1980. Wayne currently holds a...

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