The power of investing now

Get your financial future on track

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We believe that good financial planning advice is invaluable—it helps prepare you for whatever life brings. But it is especially important during times of major life change. Our process focuses on you and the priorities, goals, concerns and beliefs that will ultimately impact your financial well-being for years to come. We're here to help you tackle your concerns and embrace the opportunities that can enrich and empower you today and for years to come.

Windmill

Pursuing your goals together

At Bergen County Wealth Management, our mission is to ensure that you and your family are best positioned to achieve your goals using the resources of our premier global world class firm, while delivering the personalized touch of a family office. Our team manages $1 billion in assets from our office in Paramus, New Jersey. Each and every family receives white glove service from the partners of the group.

Our team of seasoned Financial Advisors, Senior Portfolio Managers and service professionals are committed to listening to you, assessing your concerns and developing a clear action plan to make sure that all of your assets are working toward helping you achieve what matters most. We are well-positioned with advice and solutions that look beyond investing. Our priority is helping you meet all of your financial goals.

  • Ernie

    Ernie Kloock

    Senior Vice President–Wealth Management

    Senior Portfolio Manager

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    • AL
    • AZ
    • CA
    • CO
    • CT
    • DE
    • FL
    • GA
    • HI
    • IA
    • KY
    • MA
    • MD
    • ME
    • MI
    • MN
    • MS
    • NC
    • NH
    • NJ
    • NV
    • NY
    • OH
    • OR
    • PA
    • SC
    • TN
    • TX
    • VA
    • VT
    • WA

    Ernie has been providing individuals, families, and businesses with comprehensive wealth management and investment solutions for over two decades. He employs a disciplined and holistic approach of analyzing cash flows and risk tolerances to construct individualized and tailored portfolios that suit specific needs. Ernie also provides extensive knowledge in retirement and legacy planning, as well as financing strategies and options.

    Ernie spent 12 years with Merrill Lynch and 4 years with Morgan Stanley before joining UBS in 2014. Ernie is proud to provide our clients with the extensive research and wealth management solutions that UBS has to offer.

    Ernie resides in Oakland, NJ with his wife Tracy, and daughters Ava and Olivia.

     

    • Forbes Best-in-State Wealth Management Teams, 2023The Forbes rating is compiled by Shook Research and awarded annually in January, based on information from a 12 month period ending March of the prior year.

      • Senior Portfolio Manager
      61 South Paramus Road
      Mack Center IV, 4th Floor
      Paramus, NJ 07652
      ernie.kloock@ubs.com
      Ernie Kloock
      61 South Paramus Road,Paramus,NJ,07652
    • 2022 Deann

      Deann Cavagnaro

      Senior Vice President–Wealth Management

      Financial Advisor

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      • AL
      • AZ
      • CA
      • CO
      • CT
      • DE
      • FL
      • GA
      • HI
      • IL
      • IN
      • KY
      • MA
      • MD
      • ME
      • MI
      • MN
      • MS
      • NC
      • NH
      • NJ
      • NV
      • NY
      • OH
      • OR
      • PA
      • SC
      • TN
      • TX
      • VA
      • VT
      • WA
      • WI

      DeAnn Cavagnaro has nearly two decades of financial services experience.  She focuses on creating comprehensive financial plans for high net-worth clients and multi generations. 

      As a Portfolio Manager, she is dedicated to adding value to her clients and is focused on providing a holistic approach to financial planning. Deann helps  her clients make decisions using  a hands on approach  that allows them to really feel they are keeping a sound and sensible eye on their money.  

      Having joined UBS in 2016, DeAnn focuses on active management and education. In her continuous strive to stay current and understand new trends, she recently graduated with a UBS Wealth Advisor designation. This achievement represents a certification that  assists her in  addressing  complex client needs using  a vast  array of wealth management tools.  

      DeAnn attended Ramapo College and studied abroad at Urbino University in Italy, where she studied International Business and Italian.  She is extremely active in her community, church and charities.  DeAnn has taught CCD,  coached her children’s sports, and was the treasurer on the High School Board. She enjoys the outdoors, fitness, baseball , and watching her children’s sporting events.   DeAnn  lives in NJ with her husband Barry and their two children, Christian and Juliet.

      • Forbes Best-in-State Wealth Management Teams, 2023, 2025The Forbes rating is compiled by Shook Research and awarded annually in January, based on information from a 12 month period ending March of the prior year.
      • Forbes Top Women Wealth Advisors Best-in-State, 2022, 2023, 2024, 2025The Forbes rating is compiled by Shook Research and awarded annually in February based on information from a 12 month period ending September of the prior year.

          61 South Paramus Road
          Mack Center IV, 4th Floor
          Paramus, NJ 07652
          deann.cavagnaro@ubs.com
          Deann Cavagnaro
          61 South Paramus Road,Paramus,NJ,07652
        • Barry

          Barry Cavagnaro

          First Vice President–Wealth Management

          Senior Wealth Strategy Associate

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          • AZ
          • CO
          • CT
          • DE
          • FL
          • GA
          • MA
          • MD
          • ME
          • MN
          • NC
          • NJ
          • NY
          • PA
          • SC
          • TX
          • VT
          • WI
          • Forbes Best-in-State Wealth Management Teams, 2025The Forbes rating is compiled by Shook Research and awarded annually in January, based on information from a 12 month period ending March of the prior year.

              61 South Paramus Road
              Mack Center IV, 4th Floor
              Paramus, NJ 07652
              barry.cavagnaro@ubs.com
              Barry Cavagnaro
              61 South Paramus Road,Paramus,NJ,07652
            • Melissa 2022

              Melissa Lovell

              First Vice President

              Financial Advisor

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              • AL
              • AZ
              • CA
              • CO
              • CT
              • DE
              • FL
              • GA
              • HI
              • IL
              • IN
              • KY
              • MA
              • MD
              • ME
              • MI
              • MN
              • NC
              • NH
              • NJ
              • NV
              • NY
              • OH
              • OR
              • PA
              • SC
              • TN
              • TX
              • VA
              • VT
              • WA
              • WI

              Melissa Lovell has over 25 years of experience in the financial services industry. Melissa works with affluent clientele to first understand their needs and goals. She focuses on creating comprehensive financial plans for high net-worth clients and their families. She is a graduate of The University of Dayton where she studied business and history. Melissa is active in her community as a girl scout board member for local troops, a member of PTO, and active in many local charities. Melissa has twin daughters, Lilyanna and Elizabeth, and currently resides in Edgewater, New Jersey.

              • Forbes Best-in-State Wealth Management Teams, 2023, 2025The Forbes rating is compiled by Shook Research and awarded annually in January, based on information from a 12 month period ending March of the prior year.

                  61 South Paramus Road
                  Mack Center IV, 4th Floor
                  Paramus, NJ 07652
                  melissa.lovell@ubs.com
                  Melissa Lovell
                  61 South Paramus Road,Paramus,NJ,07652
                • James Kremen

                  James Kremen

                  Senior Wealth Strategy Associate

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                  • FL
                  • GA
                  • NJ
                  • NY

                  James has over 20 years of financial industry experience. He joined UBS in 2014 after more than 10 years as part of a wealth management team, with Ernie Kloock, at Merrill Lynch.  James works closely with Ernie, managing client relations including investment oversight and monitoring risk, as well as assisting with other various wealth management solutions.

                  James graduated with a degree in Finance and Economics from Syracuse University in 2004. He also went on to attain his Chartered Retirement Planning Counselor License in 2008.

                  James resides in Wayne, NJ with his daughter Ava.

                    • Syracuse University, B.S., Finance and Economics
                    • Chartered Retirement Planning Counselor
                    61 South Paramus Road
                    Mack Center IV, 4th Floor
                    Paramus, NJ 07652
                    james.kremen@ubs.com
                    James Kremen
                    61 South Paramus Road,Paramus,NJ,07652
                  • Bruce

                    Bruce Orenstein

                    First Vice President–Wealth Management

                    Financial Advisor

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                    • CA
                    • CT
                    • FL
                    • GA
                    • MA
                    • MD
                    • NC
                    • NJ
                    • NY
                    • OH
                    • SC
                    • TN
                    • TX
                    • VA

                    Bruce Orenstein has been a financial advisor for over 3 decades, initially with Merrill Lynch and currently UBS Financial Services. After graduating college, he taught in the NYC public school system, developed curriculum there and wrote proposals for federal, state and foundation grants before moving into financial services to follow his first career choice -- the financial markets.

                    Bruce has a Ph.D. in  Educational Administration and Supervision from St. John’s University, an M.A. and B.A. in Secondary Education from Iona University and SUNY New Paltz, respectively, and an M.B.A. in Finance from Fairleigh Dickinson University.

                    He has taught as an Adjunct Professor, Finance, at St. Thomas Aquinas College, Sparkill, N.Y.

                    In his spare time he enjoys travel, golf and always learning about the financial marketplaces.

                          61 South Paramus Road
                          Mack Center IV, 4th Floor
                          Paramus, NJ 07652
                          bruce.orenstein@ubs.com
                          Bruce Orenstein
                          61 South Paramus Road,Paramus,NJ,07652

                        A focus on personalized access and service

                        Working with diverse clients with specific needs, our team sees it as our top responsibility to understand each aspect of your unique and often complicated financial life.

                        Helping women take charge

                        Helping women take charge

                        Business Owner in entryway

                        Advice for business owners & entrepreneurs

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                        Are you ready for anything?

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                        The first 100 days

                        Is your portfolio ready?

                        In the first 100 days of a second Trump administration, policy uncertainty continues to dominate. Do you have questions about the impact of tariffs, inflation and geopolitical developments on your investment strategy?

                        We’re here to help you make sense of it all and move forward with confidence. Make sure your portfolio is prepared for ongoing market volatility.

                        A leader in wealth management

                        Backed by the strength of our parent company, UBS AG

                        $5.9+ trn

                        UBS Group invested assets
                        As of 06/30/2024

                        51 countries

                        Our global footprint

                        Global leader

                        UBS is a leading and truly global wealth manager

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