Main Street Financial Life Advisors, LLC

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Our Team

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J. Joseph Roman, CPA/PFS, MST

Managing Director/Sr. Wealth Advisor

Joe is Managing Director/Wealth Advisor  and Chief Compliance Officer (CCO) of Main Street Financial Life Advisors, LLC and Roman & Kulpa, LLC (our affiliated CPA firm).  He is responsible for managing existing client relationships and formulating and implementing advice. He provides strategic leadership, planning and broad executive management to achieve the firm’s strategic objectives.  He also plans and directs all aspects of our organization’s investment programs and oversees the research, evaluation, and selection of investment vehicles.  As CCO, he is responsible for developing and monitoring the firm’s compliance program, ensuring that all activities meet the requirements of regulatory agencies.

Prior to establishing the firm in 1999, Joe was a Tax Accountant with PricewaterhouseCoopers, LLP (formerly Coopers & Lybrand) in Philadelphia and subsequently a Partner with Zook, Dinon PA (formerly Zook, Dinon & Roman, P.A. Certified Public Accountants) in Moorestown, New Jersey.

In his thirty years of experience as a CPA and financial advisor, Joe has an extensive knowledge of wealth management issues including tax, investment and personal financial planning. He also assists clients with retirement planning, social security optimization, and estate planning matters.

Joe holds a Bachelor of Science Degree in Accounting from LaSalle University and a Master of Science Degree in Taxation from Widener University. He is a Certified Public Accountant (CPA) and is a member of the American Institute of Certified Public Accountants (AICPA). In addition, he holds the Personal Financial Specialist (PFS) designation awarded by the AICPA to CPA’s with a considerable amount of professional experience in financial planning and holds the (NASD) Series 65 License.

As a dedicated father of three boys, Joe has been a Den Leader and Treasurer for the Cub Scouts and a baseball manager for the Moorestown Youth Baseball Federation (MYBF). He also served as Treasurer and a member of the Board of Trustees for the Moorestown Rowing Club (MRC).  He is currently serving as Treasurer and a member of the Board of Trustees for The Baptist Home of South Jersey, Inc. D/B/A Riverview Estates (a non-profit assisted living facility in Riverton, New Jersey).

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Matthew Kulpa, CPA, MBA

Director of Operations/Wealth Advisor

Matt is a Wealth Manager with the responsibility for managing existing client relationships as well as formulating and implementing advice.  He manages daily activities (i.e.: trading and reporting) within our operations and serves as an intermediary between staff and Lead Advisors.  He is also responsible for providing tax planning advice and the preparation of tax returns.

Prior to joining the firm in 2009, Matt was an Assurance Associate in the Investment Management Group at PricewaterhouseCoopers, LLP in Philadelphia. He was responsible for performing audit functions on a variety of investment instruments including mutual funds, hedge funds and annuity products.

Matt is a Certified Public Accountant (CPA) and member of the American Institute of Certified Public Accountants (AICPA), and holds the (NASD) Series 65 license.

Currently, Matt is a member of the Board of Trustees of Roman Catholic High School (Philadelphia) where he often speaks to the students about financial literacy, college planning, and the accounting profession.

Matt holds a Bachelor of Science degree in Business Administration (Accounting) from LaSalle University as well as a Master of Business Administration (MBA) from LaSalle University.

Mark Sulpizio, MS Tax

Lead Advisor

Mark W. Sulpizio is a founding partner in the financial and employee benefit consulting firm of Innovative Benefit Planning, L.L.C., located in Cinnaminson, New Jersey.

Mark began his financial planning and benefit consulting practice upon graduating from the Pennsylvania State University in 1984. He has also completed his Masters of Science in Taxation from Philadelphia University, formerly the Philadelphia College of Textiles and Science.

Mark focuses his efforts on the needs of business owners and executives, assisting with the development and coordination of their business and financial plans. Mark also manages the Qualified Plan practice of the firm.

Mark is a member of the Moorestown Breakfast Rotary Club and Vistage International. He resides in Moorestown, New Jersey with his wife, Terriann, and children, William, Ariana and Elias.

Joel M. Davis

Financial Advisor/Relationship Manager

Joel is a Financial Advisor/Relationship Manager at Main Street Financial Life Advisors, LLC and Roman & Kulpa, LLC. As part of the advisory team, Joel works with clients to uncover needs, develop recommendations, and identify solutions. Through the utilization of financial planning techniques, portfolio analysis and managed investment strategies, Joel makes sure clients are on track to meet their specific and unique goals.

Prior to joining the firm in 2019 Joel was with Wells Fargo, serving as a Regional Banking Private Banker and a Brokerage Associate. He worked closely with local affluent households, managing their banking and brokerage relationships and solving for a wide range of financial needs.

In nearly a decade of experience in financial services, Joel has developed expertise in matters of financial planning and guidance, investment advice, retirement planning and wealth management. He has worked with hundreds of clients with a variety of backgrounds and needs, and he brings a valuable new perspective to the Main Street Financial team.

Joel holds a Bachelor of Arts Degree in Political Science from the University of Minnesota, and in 2020 he will complete a Master of Science Degree in Financial Planning from the University of Georgia. He is currently pursuing his Certified Financial Planner (CFP®) designation, and he holds the (NASD) Series 65 License.

Joel, his wife Katie and their son Teddy live in Cherry Hill, NJ. When they’re not chasing Teddy around the house, they enjoy spending time in the winter at Stratton Mountain in Vermont, and in the summer on the lake in Algonquin Park, Canada.

Jane-Ann Pineda

Senior Tax Associate

Jane is a Senior Tax Associate of Roman & Kulpa, LLC with the responsibility to work with the Partners and Managers on tax related issues. She handles tax projects associated with tax advisory, planning, research and consulting for high net worth individuals and their flow through entities. With a strong accounting and tax background, Jane provides our clients with proficient advice, professionalism and responsiveness.

Prior to joining the firm in 2020, Jane was a Staff Accountant at Baratz & Associates, P.A. She was responsible for preparing individual and business tax returns as well as assisting the Partners and Managers with preparing financial statements, business valuations, and tax-related correspondence.

Jane holds a Bachelor of Science Degree in Accounting and Finance from Rutgers School of Business.

Main Street Financial Life Advisors, LLC ("MSFLA") is an SEC registered investment adviser located in Moorestown, New Jersey.  MSFLA and its representatives are in compliance with the current filing requirements imposed upon SEC registered investment advisers by those states in which MSFLA maintains clients. MSFLA may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. MSFLA’s web site is limited to the dissemination of general information pertaining to its advisory services.  Accordingly, the publication of MSFLA’s web site on the Internet should not be construed by any consumer and/or prospective client as MSFLA’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet.  Any subsequent, direct communication by MSFLA with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of MSFLA, please contact the SEC or the state securities law administrators for those states in which MSFLA maintains a notice filing.  A copy of MSFLA’s current written disclosure statement discussing MSFLA’s business operations, services, and fees is available from MSFLA upon written request.  MSFLA does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to MSFLA’s web site or incorporated herein, and takes no responsibility therefor.  All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly. Past performance may not be indicative of future results.  Therefore, no current or prospective client should assume that future performance of any specific investment, investment strategy (including the investments and/or investment strategies recommended or undertaken by MSFLA) or product made reference to directly or indirectly by MSFLA in its web site, or indirectly via a link to an unaffiliated third party web site, will be profitable or equal the corresponding indicated performance level(s).  Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for a client or prospective client’s investment portfolio. Historical performance results for investment indices and/or categories generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results. Certain portions of MSFLA’s web site (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, MSFLA’s (and those of other investment and non-investment professionals) positions and/or recommendations as of a specific prior date.  Due to various factors, including changing market conditions, such discussion may no longer be reflective of current position(s) and/or recommendation(s).  Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from MSFLA, or from any other investment professional. MSFLA is neither an attorney nor accountant, and no portion of the web site content should be interpreted as legal, accounting or tax advice. To the extent that any client or prospective client utilizes any economic calculator or similar device contained within or linked to MSFLA’s web site, the client and/or prospective client acknowledges and understands that the information resulting from the use of any such calculator/device, is not, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from MSFLA, or from any other investment professional. Each client and prospective client agrees, as a condition precedent to his/her/its access to MSFLA’s web site, to release and hold harmless MSFLA, its officers, directors, owners, employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receipt of personalized individual advice from MSFLA.

Main Street Financial Life Advisors, LLC ("MSFLA") is an SEC registered investment adviser located in Moorestown, New Jersey.  MSFLA and its representatives are in compliance with the current filing requirements imposed upon SEC registered investment advisers by those states in which MSFLA maintains clients. MSFLA may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. MSFLA’s web site is limited to the dissemination of general information pertaining to its advisory services.  Accordingly, the publication of MSFLA’s web site on the Internet should not be construed by any consumer and/or prospective client as MSFLA’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet.  Any subsequent, direct communication by MSFLA with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of MSFLA, please contact the SEC or the state securities law administrators for those states in which MSFLA maintains a notice filing.  A copy of MSFLA’s current written disclosure statement discussing MSFLA’s business operations, services, and fees is available from MSFLA upon written request.  MSFLA does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to MSFLA’s web site or incorporated herein, and takes no responsibility therefor.  All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

Past performance may not be indicative of future results.  Therefore, no current or prospective client should assume that future performance of any specific investment, investment strategy (including the investments and/or investment strategies recommended or undertaken by MSFLA) or product made reference to directly or indirectly by MSFLA in its web site, or indirectly via a link to an unaffiliated third party web site, will be profitable or equal the corresponding indicated performance level(s).  Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for a client or prospective client’s investment portfolio. Historical performance results for investment indices and/or categories generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results.

Certain portions of MSFLA’s web site (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, MSFLA’s (and those of other investment and non-investment professionals) positions and/or recommendations as of a specific prior date.  Due to various factors, including changing market conditions, such discussion may no longer be reflective of current position(s) and/or recommendation(s).  Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from MSFLA, or from any other investment professional. MSFLA is neither an attorney nor accountant, and no portion of the web site content should be interpreted as legal, accounting or tax advice.

To the extent that any client or prospective client utilizes any economic calculator or similar device contained within or linked to MSFLA’s web site, the client and/or prospective client acknowledges and understands that the information resulting from the use of any such calculator/device, is not, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from MSFLA, or from any other investment professional.

Each client and prospective client agrees, as a condition precedent to his/her/its access to MSFLA’s web site, to release and hold harmless MSFLA, its officers, directors, owners, employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receipt of personalized individual advice from MSFLA.

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