Buy/Hold Plus was founded in 2005, with the team working together in the portfolio management field since 1997. This team is both experienced and dedicated so that you have the support you need to feel confident in the management of your investments.

Portfolio Management

Robert Giarraffa

Portfolio Manager

Robert Giarraffa attended St. John’s University in Queens, NY, graduating in 1968 with a Bachelor’s Degree in Chemistry. He began his career in the pharmaceutical industry, where he worked for 15 years. Bob was concurrently a member of the Army National Guard, from 1969 to 1976. He went on to attend Fairleigh Dickinson University, graduating in 1976 with an MBA in Finance.

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Joseph P. Okaly

Portfolio Manager

Joe graduated from The College of New Jersey where he obtained a Bachelor of Arts degree in Finance and graduated with honors. He has worked for New Horizons Wealth Management LLC as a Financial Advisor since 2008, working with clients to develop plans and reach their goals. Additionally, Joe has served as the Assistant Portfolio Manager at TFS Advisory Services for the Buy/Hold Plus Portfolios since 2011 and is now the Portfolio Manager, working with portfolio manager, Robert Giarraffa, in fund selection reviews, allocation analysis, and portfolio model development.

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Marketing Support

Tara Recupido

Marketing Director

Tara graduated from the University of Delaware in 2001 with a Bachelor of Arts degree in both Consumer Economics and Italian. She currently holds her Series 7 and 66 Securities licenses and her Life, Health, and Long-Term Care Insurance Producer license.

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TFS Securities Inc. Operations Support

thomas hyland

Thomas P. Hyland

President of Tomorrow’s Financial Services, Inc.

Tom Hyland was raised in Hazlet, NJ, graduating from Raritan High School with High Honors in 1982. Tom attended Rutgers University in New Brunswick, NJ on a full academic scholarship, graduating Cum Laude in May 1986 with a Bachelor of Arts Degree in Communications and English. Upon graduation, Tom began his 26-year career in the financial services industry as a Senior Fixed Income Specialist with McLaughlin, Piven, Vogel, Inc. on Wall Street, later rising to the position of Vice President. Tom left the firm in early 1987 to launch his own independent Wealth Management practice, which he has maintained for a select number of clients for the past 25 years, focusing on retirement planning for the emerging affluent.

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Jennette Fraler

Vice President/Chief Compliance Officer

Jennette joined Tomorrow’s Financial Services, Inc. in 2000 and serves as Vice President and Chief Compliance Officer for TFS Securities, Inc. In this capacity, Jennette is responsible for overseeing the daily operations within the department, managing compliance and regulatory issues and formulating and implementing strategic business initiatives.

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John Moon

Senior Compliance & Operations Liaison

John was raised at the Jersey Shore with a passion for helping people and saving money. He received his Bachelor of Science Degree in Accounting from William Paterson University. John also obtained a Masters degree from Monmouth University and is certified to teach Comprehensive Business. After graduation, John joined Tomorrow’s Financial Services, Inc. as a Wealth Management Associate in 1998.

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Theresa Nist

Senior Compliance & Operations Liaison

With 25 years of experience in the Securities Industry, Theresa holds the Series 4, 7, 24, 53, 63 and 65 Securities Licenses. Theresa began her career by trading her own account successfully, which gave her a great love of and appreciation for the markets. Theresa subsequently took key positions with Datek Online, Stifel Nicolaus and MetLife Securities, where she served as the manager of a large call center. When MetLife moved their headquarters to Charlotte, NC, Theresa was asked to relocate. Instead, she stayed just long enough to train everyone but wanted to remain in New Jersey. Theresa knew that this was the right decision once she found her home at TFS Securities, Inc. in March of 2016.

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Joseph Cameron

Senior Operations Coordinator

Joe Cameron is a graduate of Richard Stockton College, where he earned a Bachelor of Arts Degree in Sociology. Before joining TFS Securities, Inc. in January of 2021, he spent 20 plus years working in the Transfer Agent Department of First Investors/Foresters Financial.

Joe brings to TFS a wealth of mutual fund supervisory experience including transfers, rollover processing, retirement plan establishment, record keeping, compliance and new retirement and non-retirement account business.

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