Financial planning consultant, life insurance advice, tax planning and preparation: Serving Philadelphia, PA, NJ and the Delaware Valley

Our People

"Grover has been my accountant for over 30 years. He has always been up to date with current tax information and has implemented this information to give me the best possible tax advantages. But most of all, Grover has always been courteous and sensitive to my financial needs. If I should encounter a problem and call him, he always gets on the phone immediately and has been able to solve any problem. I consider myself extremely fortunate to have been able to use Grover's services for all these years."

Dr. Charles R. Scudder

Partners for Life
To Grover Stults and Pam Caprio, working for your financial success is a lifetime commitment. And nothing says commitment more than the satisfaction of working with several individual clients for almost 30 years.
As their needs changed, Grover and Pam were there for them. Just as they will be sure to be there for you fitting your requirements with the guidance you need to safely navigate you through every financial transition in life.

Individually or Together…A Formidable Team

Grover Stults
With a CPA and BS in Accounting and extensive professional experience in financial and fiscal management, Grover's specialties are in tax planning and financial risk management. Grover can initiate ways to improve your bottom line and reduce your tax burden, such as utilizing the statutory employee status from a W-2. He is also a financial strategist who can help you get more from your portfolio, educating you on the interplay between tax law and investments.
Some of Grover’s selected accomplishments include:

Developed estate plan for retired stockbroker by re-titling assets to facilitate the implementation of a marital bypass trust worth $700,000 and saved the family $300,000 in estate taxes.
Provided for a family’s retirement by implementing a private annuity to ensure they had a monthly paycheck for life.

Click here for an overview of Grover’s educational background.

Pam Caprio
Pam has been in the insurance business for over 30 years. She's helped countless individuals and small businesses protect their security. As a Certified Senior Advisor, she can show you how to reduce your taxes using insurance products and tools, as well as how to create financially secure retirement and estate plans.

Click here for an overview of Pam’s industry background.

Grover Stults
1974 - Graduated University of Delaware, BS Accounting.
1978 - Granted Licensed Public Accountant License, NJ.
1981 - Granted Certified Public Accountant's License, NJ.
1982 - Granted Reciprocal CPA License, PA.
1995 - Passed Series 6 & 63 licensing to sell Mutual funds, NJ & PA. Purchased two residential apartment buildings to gain experience in real estate management and investing with Pam.
1996 - Passed Life, Health, & Disability Insurance licensing, NJ & PA. Recognized as Registered Investment Advisor Agent by HD Vest Investment Advisors, Inc., NJ & PA.
1997 - Passed Series 7 licensing to sell Stocks and Bonds, NJ & PA.
2001 - Attended Center for Excellence to improve service to investment clients
2003 - Hired Patty Clark & Associates to further improve client interactions & relationships. Attended Stage one of Insight Seminar.
2007 – Attended New York Life University to learn creative strategies and applications for life insurance

Fulfilled all continuing professional education to maintain licensing for CPA, Insurance, and Investment licenses since 1981.

Pam Caprio
1992 - Licensed to sell Life, Health, and Disability: NJ & PA.
1995 - Purchased Residential Rental Real Estate with Grover to gain experience as landlords and real estate investing.
2001 - Granted Certified Senior Advisor Certificate.
2007 – Attended New York Life University to learn creative strategies and applications for life insurance

Fulfilled all continuing professional education to maintain licensing for CPA, Insurance, and Investment licenses since 1981.


	About Us - Our People - Our Mission - Client Testimonials - Case Histories - Code of Conduct Service Offerings Resources Our Community Contact Us Home Why Dream When Financial Freedom Can Begin Today Your financial dreams can come true with determination, hard work, and a little bit of sacrifice. So why not dream big... (read more) As seen on CNBC, life insurance can positively impact your investment strategy	Our People "Grover has been my accountant for over 30 years. He has always been up to date with current tax information and has implemented this information to give me the best possible tax advantages. But most of all, Grover has always been courteous and sensitive to my financial needs. If I should encounter a problem and call him, he always gets on the phone immediately and has been able to solve any problem. I consider myself extremely fortunate to have been able to use Grover's services for all these years." Dr. Charles R. Scudder Partners for Life To Grover Stults and Pam Caprio, working for your financial success is a lifetime commitment. And nothing says commitment more than the satisfaction of working with several individual clients for almost 30 years. As their needs changed, Grover and Pam were there for them. Just as they will be sure to be there for you fitting your requirements with the guidance you need to safely navigate you through every financial transition in life. Individually or Together…A Formidable Team Grover Stults With a CPA and BS in Accounting and extensive professional experience in financial and fiscal management, Grover's specialties are in tax planning and financial risk management. Grover can initiate ways to improve your bottom line and reduce your tax burden, such as utilizing the statutory employee status from a W-2. He is also a financial strategist who can help you get more from your portfolio, educating you on the interplay between tax law and investments. Some of Grover’s selected accomplishments include: Developed estate plan for retired stockbroker by re-titling assets to facilitate the implementation of a marital bypass trust worth $700,000 and saved the family $300,000 in estate taxes. Provided for a family’s retirement by implementing a private annuity to ensure they had a monthly paycheck for life. Click here for an overview of Grover’s educational background. Pam Caprio Pam has been in the insurance business for over 30 years. She's helped countless individuals and small businesses protect their security. As a Certified Senior Advisor, she can show you how to reduce your taxes using insurance products and tools, as well as how to create financially secure retirement and estate plans. Click here for an overview of Pam’s industry background. Grover Stults 1974 - Graduated University of Delaware, BS Accounting. 1978 - Granted Licensed Public Accountant License, NJ. 1981 - Granted Certified Public Accountant's License, NJ. 1982 - Granted Reciprocal CPA License, PA. 1995 - Passed Series 6 & 63 licensing to sell Mutual funds, NJ & PA. Purchased two residential apartment buildings to gain experience in real estate management and investing with Pam. 1996 - Passed Life, Health, & Disability Insurance licensing, NJ & PA. Recognized as Registered Investment Advisor Agent by HD Vest Investment Advisors, Inc., NJ & PA. 1997 - Passed Series 7 licensing to sell Stocks and Bonds, NJ & PA. 2001 - Attended Center for Excellence to improve service to investment clients 2003 - Hired Patty Clark & Associates to further improve client interactions & relationships. Attended Stage one of Insight Seminar. 2007 – Attended New York Life University to learn creative strategies and applications for life insurance Fulfilled all continuing professional education to maintain licensing for CPA, Insurance, and Investment licenses since 1981. Back to top. Pam Caprio 1992 - Licensed to sell Life, Health, and Disability: NJ & PA. 1995 - Purchased Residential Rental Real Estate with Grover to gain experience as landlords and real estate investing. 2001 - Granted Certified Senior Advisor Certificate. 2007 – Attended New York Life University to learn creative strategies and applications for life insurance Fulfilled all continuing professional education to maintain licensing for CPA, Insurance, and Investment licenses since 1981. Back to top.
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