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About Us

Who We Are

Wealth Effects is a wealth management firm with experienced financial advisors across the country. We work with individuals and families to assist them with financial challenges and goals. Wealth Effects' mission is to guide our clients through life’s many transitions through a disciplined process to optimize positive outcomes.
We understand the challenges families face today, from managing debt to saving for college or retirement, and these personal finance challenges can be overwhelming.
At Wealth Effects, we are committed to developing a personalized strategy utilizing our extensive experience, enhanced by cutting edge technology to help you achieve your goals. We believe in thinking “outside the box” and are not afraid to challenge conventional wisdom in our approach to investing and preserving wealth. Our work, commitment, and efforts are focused on you, your family, and your financial well-being.


Meet Our Team

William (Bill) Liberti

Chief Executive Officer

Bill, has over 30 years of industry experience providing financial and wealth management services. Beginning his career at Shearson Lehman Brothers in 1987, Bill witnessed first-hand the “Black Monday - Crash of 1987” from the 103rd floor of the World Trade Center. This experience has influenced his risk mitigation strategies and provided a foundation for his investment philosophy. Bill worked at C&M, Inc. from 2006 until 2021. Since then, he has built a team with the purpose to provide his clients with a breadth of financial guidance. In addition, he has developed the WealthFX1 process that he uses for life events like divorce, retirement, career change and more. WFX is a client-advisor approach which furnishes clients with a panoramic view of their unique financial situation and avenues to facilitate enriching their lives. In recognition of his passion for enriching his clients’ lives, Bill has been honored and named a Five Star Wealth Manager consecutively since 2013. In 2021, Bill decided to open his own firm, and that is how Wealth Effects was born. Prior to entering the financial services industry, he spent four years in the U.S. Air Force, reaching the rank of Captain. He holds a degree in Aeronautical Engineering, and attended the Carroll School of Management MBA program at Boston College. Bill has always been active within his community, having served for several years as a board member for both St. Raphael Parish School and Arlington Catholic High School. He is also the founder, Treasurer, and a current board member of the Essex Bay Sailing Club, a non-profit dedicated to teaching children to sail.

  • (617) 465-2560
  • wliberti@w-effects.com
team

Patricia Flaherty

Vice President - Investments

Pat, has more than 30 years of experience in the financial industry, focusing on investments and retirement planning.  She found her passion for markets and industry sectors as a student at Boston College, where she graduated with a BS degree in Economics. Beginning with her first role at Shearson American Express, she was able to develop as a premier advisor, while fostering relationships with her client-families. Later on, she moved on to join the Morgan Stanley team. After more than 20 years of advising clients, families, and small business, Pat continues to manage portfolios and address other investment concerns and issues. She worked for Coburn & Meredith, Inc. from 2006 until 2021, when she decided to joined Bill in his new firm, Wealth Effects. Pat has lived in the Boston metropolitan area all of her life and remains involved in the community, having served on the Municipal Finance Committee of Winchester for a term. She also actively engages with her Alma mater, advising alumni and fundraising development.

  • (617) 465-2571
  • pflaherty@w-effects.com
team

Stanton

Senior Vice President - Investments

Stanton F. Weissenborn, AKA “Tom”, entered Cornell University in the fall of 1943, but in December 1943 enlisted in the Army Air Force Officers Training College, as a Navigator/Bombardier candidate. This program was prematurely cut short four months later, because of the severe losses to flight crews over Europe. A few months later, Tom joined a B-29 crew, as a tail gunner flying bombing missions over Japan. Upon his honorable discharge, he re-entered Cornell and graduated from the newly formed Graduate School of Business with an MBA. Upon graduation, he joined Estabrook & Co. a small NYSE member firm in Boston. While there he served in many facets of the business from operations, security research, institutional sales and trading, and became a limited partner in the firm then called Moseley, Hallgarten, Estabrook & Weeden. In the 80s he joined Janney Montgomery Scott, where he formed and developed a specialized department offering externally produced security research services to the institutional market. He recently retired from Janney as senior vice president investments to join Wealth Effects.

  • (772) 219-1788
  • tweissenborn@w-effects.com
team

Sue Pierel

Operations Manager

Sue has worked in the financial industry for more than 20 years. She has a broad experience working within different departments at Fidelity Investments and now, she is our new Operations Manager and handles all financial operations for our clients. Before working in finance, Sue worked in the legal department of CVS corporation.   She is an excellent communicator and has participated in the Fidelity Woman's Leadership Group and attended several Women's conferences in MA where she is originally from and RI, where she resides now. In her free time she enjoys spending time with her family, traveling, sewing, making puzzles and going to the theater.

  • (617) 465-2577
  • spierel@w-effects.com
team

Bernard Katz

Senior Vice President - Investments

Bernard Katz is a Registered Investment Advisor. Prior to joining Wealth Effects, Bernard spent over 35 years as the sole proprietor of a CPA practice focusing on tax and investment management. He provided personalized wealth management solutions for individuals, families and business owners using integrated tax planning and investment strategies to help grow and protect client’s wealth. Bernard is a recently retired Certified Public Accountant. He earned an MBA in Finance from Pace University and a BS in Accounting from Brooklyn College. In his free time, he enjoys bicycle riding, classic music, sports games (baseball, hockey, tennis), and spending time with family. He currently resides in Boynton Beach, Florida for most of the year and Holmdel, New Jersey.

  • (617) 465-2560
  • bkatz@w-effects.com
team

Nikolai Krupyshev

Associate Wealth Manager

Nikolai joined Wealth Effects in 2021. One of his primary responsibilities is to design and automate efficient business processes that will provide the most value to our clients. In addition, he works diligently to deliver an excellent client experience by managing sophisticated technology platforms for both our clients and our team of advisors at Wealth Effects. Nikolai began his career in the industry in April of 2020 as an intern for the Boston Harbor Group. He currently holds his Series 65 license and is working towards obtaining his CFA designation, in order to continue pursuing his passion for helping individuals navigate a complex financial landscape. Nikolai, graduated Magna Cum Laude from the Isenberg School of Management at the University of Massachusetts Amherst, receiving a Bachelor of Business Administration in Finance with a minor in Economics. In his free time, he enjoys traveling, weightlifting, and playing lacrosse.

  • (617) 465-2591
  • nkrupyshev@w-effects.com
team

Rosine Liberti

Financial Controller

Rosine, a CPA, has a BS degree in Business with a major in accounting from Wright State University. She began her career at Arthur Andersen, what was then one of the Big Eight accounting firms, where she was a tax department senior accountant. There she had the opportunity to work on a wide variety of tax projects, perform audit work and tax research and learn tax strategies. After raising four children, her most recent experience, at several local CPA firms, involved providing tax and accounting services to individuals and small business clients. Away from work Rosine enjoys spending time working in her garden and sailing on the North Shore and cooking for family and friends.

  • (617) 465-2560
  • Rliberti@w-effects.com
team

Cliff Lofgren

Senior Client Services Specialist

Cliff, brings over 45 years of experience working in financial services. Cliff has been working alongside Bill and Pat since 2012. He focuses on client service and assisting clients with their operational needs. Cliff brings trust, experience, and compassion to each client relationship. What this means is that he is dedicated to client advocacy and seeing that requests are met. He acknowledges that each client has unique goals, concerns, and objectives, all playing a critical part in how clients make decisions. Cliff finds enjoyment in client conversations and active listening. Previously, he held leadership roles in his community, serving as a trustee for both the Town of Amherst, NH, and the Amherst Congregational Church.

  • (617) 465-257
  • Clofgren@w-effects.com
team

Erika Estelles

Marketing Manager

Erika is our Marketing Manger, she brings a wide range of knowledge in marketing and client engagement experience. She has worked in both large and small companies leading marketing teams, developing strategies, identifying emerging trends and successfully implementing marketing campaigns.  She also has international experience engaging audiences and increasing brands awareness. Erika has a degree in Engineering and a Masters in Marketing, she speaks English and Spanish.

  • (617) 465-2563
  • eestelles@w-effects.com
team

Jeff McHale

Managing Director Financial Planning & Client Review Systems

  • (617) 226-5511
  • Jmchale@w-effects.com
team

Warner “Chip” Wayne

Vice President - Investments

Warner “Chip” Wayne is a Registered Investment Adviser advisor who has worked in the financial services industry since 1972. He began his career as a commercial insurance underwriter with Hartford Insurance Group, and subsequently served as a broker for both regional and national insurance brokers, including AON Corp (then Alexander & Alexander of Boston). There he served regional clients as Vice President and also reported to their corporate Financial Products Group as a shared director, advising financial service companies and banks, across the country. In 1996, he switched careers in order to be more involved with both insurance and investments. He joined American Express Financial Advisors, serving individual investment and planning clients. Shortly thereafter he was hired away by MetLife (formerly New England Financial). He expanded his product base by joining Winslow, Evans & Crocker, a dually registered independent broker-dealer based in Boston. For 15 years he was a Registered Investment Advisor and served as a Senior Vice President at the firm. He holds a Series 7, and Series 65 license, and is also licensed in multiple states as an Individual Insurance Producer. When Winslow was purchased by National Securities Corp, he joined Ameriprise Financial, serving there as a financial adviser. He recently transitioned back to the independent brokerage environment in order to better serve his clients on a discretionary basis, and will be regulated under the auspices of the SEC. Previously, for almost three years, Chip served in the US Navy Submarine Service aboard the USS Dace (SSN 607). He is qualified in submarines and was rated as a Sonar Technician.

  • (617) 465-2560
  • Cwayne@w-effects.com
team

Olivia Liberti

Managing Director of Technology

  • (617) 377 7857
  • oliberti@w-effects.com
team

Rosylee Acholonu

Operations Manager

  • (617) 465-2563
  • Racholonu@w-effects.com
team

Charlyn Page

Managing Director of Strategic Planning

  • (617) 465-2560
  • Cpage@w-effects.com
team

Our Philosophy and WealthFX Process

Guided by our conservative, proactive business philosophy, we have withstood the test of time in an often complex financial world. It is this stability and commitment to our clients that has allowed us to enjoy our enviable reputation as a service oriented wealth boutique.
Service remains the cornerstone of our strength. To provide our clients access to the most comprehensive and highest quality products and services we utilize Fidelity as our custodian, one of the leading investment firms in the world. This correspondent relationship, along with our people, seeks to provide unparalleled service,uncompromising choice, outstanding value along with extensive asset protection.
Our financial advisors are fiduciaries and act as unbiased guides, selecting from an extensive menu of “state of the art” products and services to implement sound investment strategies. This relationship-based approach allows us to provide advice you can count on from people you can trust. We assist our clients with a range of services including retirement planning, investment management, legacy planning, college planning, healthcare planning and tax minimization. Wealth Effects is a SEC registered RIA.
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