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Al Zdenek is Chief Executive Officer and founder of Zdenek
Financial Planning. Mr. Zdenek is a Personal Financial Specialist
(PFS) and Certified Public Accountant (CPA). Fewer than 2,500
CPA's out of more than 470,000 nationwide have achieved the
PFS accreditation.
Mr. Zdenek has over twenty-five years experience in providing
personal financial planning, cash flow planning, estate
planning, business management, tax planning and investment
management advice to affluent individuals, senior executives,
physicians and business owners. He has also consistently
been selected by Worth magazine for inclusion in
“The Worth 250” – a list of the
nation’s top financial advisers, and by Medical
Economics magazine as one of “The 150 Best Financial
Advisors for Doctors”.
Mr. Zdenek has been quoted in national publications such
as The New York Times, Worth,
Personal Finance, Medical Economics, AAII Journal, Financial
Planning and Accounting Today. He has also
been quoted on-line at worth.com, worldlyinvestor.com,
sageonline.com, office.com, ON24.com. In addition,
he has shared his expertise through television appearances
on NBC Nightly News, CNN-fn, Fox News, the Cable Television
Network and the RTN Network.
Mr. Zdenek created a 3-part series on personal financial
planning strategies for the readership of worth.com
and he has written a “Planning Tips” column
for the American Institute of Certified Public Accountants’
(AICPA) national newsletter, Planner. He has also
created a national financial series for Roche Laboratories
Teleconferencing Network and is a founding member and leader
in the CPA Financial Planners Forum, a nationwide network
of CPA financial planners.
Committed to sharing his expertise with others, Mr. Zdenek
has lectured on financial planning and investment management
to many organizations across the country including the National
Association of Personal Advisors (NAPFA), TD Waterhouse
Advisor Direct Seminars, the American Gastroenterological
Association, the International Quality and Productivity
Center and the Healthcare Financial Management Association,
among other professional groups.
Previously employed by Arthur Young & Co., New York
City and Merck & Co., Inc., New Jersey, Mr. Zdenek founded
Zdenek Financial Planning in December 1982. He holds an
undergraduate degree from Rutgers University and a Masters
of Business Administration degree from Rutgers Graduate
School of Business.
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Guy McPhail is President and Investment Advisor at Zdenek
Financial Planning. Mr. McPhail manages the personal financial
planning and investment management areas for the firm and
provides strategic analysis in the areas of cash flow management,
tax planning, estate planning, retirement planning, stock
option strategies and investing. He is a CERTIFIED FINANCIAL
PLANNER™
professional and a Certified Public Accountant (CPA).
Mr. McPhail specializes in creating wealth generation strategies
through the firm’s exclusive approach to cash flow management.
In addition, he structures customized portfolio and income
generation strategies through the firm’s proprietary
relationship with some of the top private money manager’s
in the nation. In addition, he works with the owners of small
businesses to help improve cash flow and increase profitability
while enabling the business owners to achieve their own personal
wealth targets.
Previously, he has served as Chief Operating Officer and General
Manager for Innovation Voice Technologies, President of Telman
Technology Partners, and President of Future University. In
addition, he owned and operated a highly successful CPA firm
for many years. In addition, he served as Center Manager for
Landmark Education Corporation and owned and operated a highly
successful financial services business for many years.
Mr. McPhail has been quoted in national and regional publications
such as Mutual Funds Magazine, Medical Economics,
New Jersey Life and The Star Ledger. He
has also lectured across the country on various financial
planning topics including tax planning, cash flow management,
business management, estate planning, planned giving, and
investment management. He is a member of the Financial Planning
Association (FPA), American Institute of Certified Public
Accountants (AICPA) and the New Jersey Society of Certified
Public Accountants (NJSCPA). He has also spoken before service
and non-profit organizations such as the Lions Club, Optimist
Club, and various Chambers of Commerce, as well as before
private companies.
Mr. McPhail attended Texas A&M University and holds
a B.A. in accounting from Texas Lutheran University.
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Brian Picariello is a Personal Financial Planner and Investment
Advisor at Zdenek Financial Planning. Mr. Picariello manages
the tax planning area for the firm and provides strategic
analysis in the areas of cash flow management, estate planning,
tax planning, stock option strategies and retirement planning.
He holds the Chartered Financial Analyst®
designation and is a Certified Public Accountant (CPA).
In addition to providing the firm’s clientele with
personal financial planning and investment management advice
and counsel, Mr. Picariello provides expert counsel on sophisticated
approaches to dealing with the exercise and sale of stock
options as well as any related AMT issues.
Previously, Mr. Picariello served as Assistant Vice President
in the Wealth Management Services’ Private Client
Group of Merrill Lynch and Tax Manager at Arthur Andersen,
LLP in their New York City office.
Mr. Picariello has been quoted in financial and business
publications and is a member of the CFA Institute, New York
Society of Security Analysts (NYSSA), the American Institute
of Certified Public Accountants (AICPA) and the New Jersey
Society of Certified Public Accountants (NJSCPA).
Mr. Picariello holds a B.S. in Accounting from Albright
College and a MBA in Finance from Rutgers University.
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Michael Borowski is a Personal Financial Planner at Zdenek
Financial Planning. He is a Certified Public Accountant (CPA)
and he holds a CERTIFIED FINANCIAL PLANNER™
designation. Michael has over fifteen years of accounting
experience and over four years of financial planning experience.
Prior to joining Zdenek Financial Planning, he was a financial
planner at Access Wealth Planning LLC in Roseland, New Jersey.
Before that, Michael served as a senior tax accountant at
the public accounting firm of Cohen Friedman Dorman &
Co., a tax accountant at the public accounting firm of Rosenfarb
Winters & Co., and as an accountant at New Jersey Mortgage
& Investment Corp. Earlier, he worked as an accountant
and an internal auditor at various privately held businesses
in New Jersey.
Mr. Borowski holds a B.S. in accounting from Montclair
State University.
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