# US Financial Services, LLC

> US Financial Services is a Fairfield, New Jersey wealth-management firm founded in 1989 that combines personal financial planning, investment management, retirement and estate strategy, insurance-based risk management, business succession, and employer pension-plan administration. After joining Bluespring Wealth Partners in 2020, it retained its client-facing identity while using a larger platform for back-office support and succession planning, then became a landing place for other advisory practices; the addition of Front Porch Financial in 2026 created a combined practice reported at $1.7 billion in assets.

- **Founded:** 1989
- **Headquarters:** Fairfield, United States
- **Founders:** Gerard T. Papetti (Co-founder and Partner/Managing Director), Altair M. Gobo (Co-founder and Partner/Managing Director), Steven P. Gallo (Co-founder and Partner/Managing Director)
- **Team size:** 11-50 employees on LinkedIn; the supplied company record lists 48.
- **Products:** Life Plan Navigator, Investment Management, Retirement Planning, Estate and Legacy Planning, Risk Management
- **Notable:** Built a continuous operating history from 1989 around comprehensive planning for families, physicians, and business owners., Acquired Preferred Pensions in 2018, integrating employer retirement-plan administration with private-client wealth planning., Joined Bluespring Wealth Partners in 2020 while retaining its local identity and client-facing model.

## Products & services

- **Life Plan Navigator** — A five-step planning process coordinating investment, retirement, tax, risk-management, and estate considerations around a client's goals.
- **Investment Management** — Goal-, timeline-, and risk-aligned portfolio design plus cash-flow, emergency-fund, college-funding, insurance, and small-business planning considerations.
- **Retirement Planning** — Lifestyle budgeting, portfolio distribution, Social Security, pension options, asset allocation, IRA distribution, tax-aware, long-term-care, and eldercare planning.
- **Estate and Legacy Planning** — Coordination with attorneys and tax advisers on wealth transfer, documents, ownership, insurance, IRA distributions, and long-term-care planning.
- **Risk Management** — Insurance and portfolio-risk analysis designed to support a broader financial plan, including disability coverage for physicians.
- **Business and Succession Planning** — Planning for ownership transition, retirement, contingency, tax considerations, and the long-term sustainability of an owner-led company.
- **Pension Plan Design and Administration** — Design, administration, filings, employee education, fiduciary support, and investment monitoring for defined-benefit, cash-balance, profit-sharing, and 401(k) plans.

## Achievements

- Built a continuous operating history from 1989 around comprehensive planning for families, physicians, and business owners.
- Acquired Preferred Pensions in 2018, integrating employer retirement-plan administration with private-client wealth planning.
- Joined Bluespring Wealth Partners in 2020 while retaining its local identity and client-facing model.
- Absorbed Hudson Dynamic Retirement, a reported $265 million practice, in 2022 and expanded to four offices.
- Reached a reported $1.7 billion in combined assets and five offices after Front Porch Financial joined in 2026.
- Sustained an annual charity golf challenge for at least 11 editions by 2026, with the winning team directing support to a chosen charity.

## Latest updates

- **2026-07** — The firm highlighted the winners of its 11th Annual Charity Challenge Golf Outing; the winning team chose St. Jude Children's Research Hospital as its charity.
- **2026-06** — Partners Joseph Sarnecki and Matthew DeFelice were announced as finalists for AdvisorHub's 2026 Advisors to Watch list in the Over $1B category.
- **2026-02** — USFS announced that Front Porch Financial had joined the firm, expanding the combined operation to a reported $1.7 billion in assets and five offices.
- **2025** — Colleen McCormack moved from Bluespring Wealth Partners to USFS as operations manager, bringing platform experience into the local firm.

## Links

- Website: https://www.usfsc.com
- LinkedIn: https://www.linkedin.com/company/u.s.-financial-services-llc
- Twitter/X: https://twitter.com/USFSC
- YouTube: https://www.youtube.com/channel/UCqMGfyu0JRtpXUybuuqQowA
- Facebook: https://www.facebook.com/USFSC

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Profile page: https://yespress.io/us-financial-services-llc
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Last updated: 2026-08-22