Our team is your ally in retirement planning—because retirement isn’t just about money, it’s about your life.
Fun Facts
- 5th degree black belt in Vadha Kempo Karate and Mixed Martial Arts
- Avid chess player
- Lifellong New York Giants fan
- Loves Bruce Springsteen
Joseph Falbo, CFP®, CRC®, AIF® – President & CEO
Joseph Falbo is a CERTIFIED FINANCIAL PLANNER™ professional and independent LPL Financial Advisor specializing in helping pre-retirees and retirees grow and preserve their wealth through customized, comprehensive strategies. Since 1995, Joseph has guided clients in pursuing and maintaining the lifestyle they want in retirement, with clarity, confidence, and purpose.
His highest commitment is to serve each client’s best interests by helping protect and grow their assets so they can live their entire retirement with dignity and independence. Through extensive personal and professional experience, Joseph provides personalized investment and retirement planning in a professional, stress-free environment built on trust and genuine care.
He is also the author of Retirement Success: Hiring Your Functional Advisor and its 2025 Edition 2, which reached #1 on Amazon’s Best Seller list. His writing and speaking work center on one mission: helping people make confident, informed financial decisions that align with their values and life goals.
Before founding Falbo Wealth Management in 2009, Joseph spent 15 years with several of the nation’s largest and most respected brokerage firms and banks. He is a graduate of St. John’s University and Merrill Lynch’s two-year Financial Advisor Training Program.
Originally from New York, Joseph has lived in New Jersey since age 30. He resides in East Hanover with his wife, daughter, and son. Outside of work, he enjoys spending time with family and friends and continuously learning new ways to live an active, healthy lifestyle.
Michael Anicito, CFP® – Client Services Manager/LPL Financial Advisor
Michael Anicito is a CERTIFIED FINANCIAL PLANNER® and has over two decades of experience in the financial industry. Mike is a graduate of St. John’s University, where he earned his bachelor’s degree in Business Administration, with a concentration in Finance.
In 2012, Mike began working with Falbo Wealth Management as a supporting planner. Prior to that, Mike spent ten years at large financial institutions. Then, seeing the direction of larger firms, Mike decided to become an independent financial planner in 2011 and founded Inspire Investment Solutions, LLC. Mike and Joe collaborate on client cases and strategize ways to maximize their clients’ financial confidence.
Mike resides in Metuchen, New Jersey, with his wife and three children. His free time is spent with his family, playing tennis, and learning about horticulture.
Inspire Investment Solutions LLC and Falbo Wealth Management are separate entities and not affiliated with LPL Financial.
Lori Force – Client Service Associate
Lori Force has been a Client Service Associate with Falbo Wealth Management since 2010. She also works for a CPA Accounting firm.
She resides in Morristown and loves spending time with her two daughters and her grandson.
Cindy Osborne – Client Service Associate
Cindy Osborne joined the Falbo Wealth Management team in early 2022 to provide administrative and client service support for the team. Cindy is an LPL Financial employee and is part of the Admin Solutions Program that supports multiple advisors’ businesses. Before joining LPL, she spent 14 years with Northwestern Mutual, where she worked extensively with clients in all aspects of their financial planning. She loved the work, so she was eager to embrace the opportunity to work with LPL and Falbo Wealth Management.
Outside of work, Cindy enjoys cooking, reading, and visiting local wineries. Since 2002, she has been closely involved with a local emergency shelter for persons fleeing intimate partner violence and has been active with local animal shelters as a foster for kittens. In addition, she enjoys spending time with friends and her wonderful daughter and shares her home with several cats and a dog.
Mary Heitzman, CFP®, Plan Manager, Paraplanning Services
In her role as Plan Manager at LPL Financial, Mary supports Falbo Wealth Management where she assists in developing and executing comprehensive financial plans. As a member of the LPL Paraplanning Services team, Mary partners with advisors to deliver financial planning support by providing detailed data analysis and cultivating planning strategies to assist clients in reaching their financial goals. LPL’s Paraplanning Solutions group is not affiliated with Falbo Wealth Management.
Mary’s financial services career began in 2018 where she served various roles at advisory offices supporting financial advisors prior to joining LPL Financial in 2023. Mary received her Bachelor of Science in Business from Aquinas College and is a CFP® practitioner.
Mary and her husband live just outside Grand Rapids, Michigan where they raise their one-year-old son. They enjoy the outdoors, cooking, and live music.