Our Team

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J. Joseph Roman, CPA/PFS, MST

Managing Director/Sr. Wealth Advisor

Joe is Managing Director/Senior 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-five 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.

Joe has served as Treasurer and a member of the Board of Trustees for the Moorestown Rowing Club (MRC) and The Baptist Home of South Jersey, Inc. D/B/A Riverview Estates (a non-profit assisted living facility in Riverton, New Jersey). Joe and his wife, Lisa, enjoy traveling and are devoted parents to six children and their rescue dog, Harley.

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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, CFP, MSFP

Associate Wealth Advisor, Certified Financial Planner

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.

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