Our team is your ally in retirement planning—because retirement isn’t just about money, it’s about your life.

Joe Falbo, President

Fun Facts

  • Master rank in 5th degree black belt in Vadha Kempo Karate and Mixed Martial Arts
  • Avid chess player
  • Diehard New York Giants fan
  • Loves Bruce Springsteen

Joseph Falbo, CFP®, CRC®, AIF® – President & CEO

I am an independent LPL financial advisor who helps grow and preserve my clients’ wealth using customized and comprehensive strategies. With over two decades of experience, I help them pursue and retain the lifestyle they want in retirement.

My top commitment is to serve your financial interests by helping preserve and grow your wealth so that you can live your entire retirement with dignity and independence. Through extensive personal and professional experience, I can help you pursue your goals in all areas of investment planning.

With ongoing financial education and compliance adherence, I can provide various investment planning strategies custom-tailored to each situation. By providing my planning services in a professional, non-threatening, stress-free environment with a high level of attentiveness and with a focus on building trust, I aim to ensure that I am equipped to help you make confident, informed financial decisions.

Prior to founding Falbo Wealth Management in 2009, I spent 15 years working for a number of the nation’s largest and most recognized brokerage firms and banks. I am a 1995 graduate of St. John’s University and have completed Merrill Lynch’s Financial Advisor two-year training program.

I grew up in New York but moved to New Jersey when I was 30 years old and have lived here ever since. I currently live in East Hanover with my wife, daughter and son. I enjoy spending time with my family and friends who all live nearby. In my free time, I enjoy learning about and implementing new ways to live an active and 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.

Mike Ancito
Lori Force Client Service Associate

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.

Cindy Osborne
mary heitzman

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.

Schedule an Initial Consultation and Discover How Joe Can Help Bring Clarity to Your Financial Future