Macro Wealth Management Team

“Believe those who are seeking the truth. Doubt those who find it.”  ~ Andre Gide

Wealth Management Advisor

Theresa J. Yarosh, CFP®, CLU®, ChFC®

Founder and President

Theresa J. Yarosh is the Founder and President of Macro Wealth Management, LLC.  Theresa brings over 20 years of experience and financial acumen to the financial services industry.  As a team of Macro-Economic Advisors, the firm specializes in retirement accumulation and distribution planning.  It offers a complete portfolio of services and products to a diverse client base that supports and helps clients achieve their goals. 

The firm utilizes an economic model to assist in the financial decision-making process.  Not using this model, plans may result in assets that are: uncoordinated, non-integrated, based on opinion, limited to needs, limited to goals, purchased by convenience, disorganized, and not accessible.  With the use of an economic model, assets may now be: coordinated, integrated, based on facts, designed beyond needs, designed beyond goals, more easily implemented, organized, and more accessible.  

In 2015, Theresa founded Main Street Medigap, LLC, to help those who are approaching retirement age or are 65 and over plan for Social Security as well as their Medicare decision making.  Because of the Medicare Modernization Act passed in 2003, Medicare is now Means-Tested with costs based on Income. Theresa has spent the last four years specializing in this cost structure, and this has given her the focus to identify what financial products in a retirement plan result in higher healthcare costs versus what financial products do not. Understanding these differences allows for a plan to contain and reduce ongoing healthcare costs to restore the purchasing power of retirement assets.  

Main Street Medigap, LLC, also provides advice and guidance with Medicare Supplemental Insurance policies for seniors ages 65 and over.  Because of her expertise, Theresa consults attorneys, banks, CPAs, and other Financial Advisors on Medicare and its related cost structure.  

As a result of these the two companies, Macro Wealth and Main Street Medigap working side by side and understanding the often ignored impact of Healthcare Costs in Retirement Theresa is considered to be on the leading edge of financial planning and has recently been written up in the Bergen County Review under the nickname “The Retirement Sherpa.”    

Theresa graduated from Montclair State University with a degree in Finance. She is a CERTIFIED FINANCIAL PLANNERTM Professional (CFP®), a Chartered Life Underwriter® (CLU®) and a Chartered Financial Consultant® (ChFC®).  She has also studied the Austrian School of Economics for over 17 years and is a member of the Ludwig Von Mises Institute and the Foundation for Economic Education (FEE).  

Theresa is an accomplished public speaker and a former member of Toastmasters International and is a Distinguished Toastmaster (DTM).  She is a former Guest Lecturer for New York University’s (NYU) Masters Program in Management Trend and is a keynote speaker for several companies and organizations in New Jersey, New York, and Pennsylvania.  She enjoys creative speech writing and has competed in several speech competitions, winning first place in both the Chapter and Area 23 International Speech Contests. In 2010 she was elected by District 83 to be an Area Governor overseeing 6 Toastmasters Clubs.  During that time, she also mentored a new Toastmasters Club in Madison, New Jersey. Under her leadership Area, 23 became a President’s Distinguished Area the highest honor given to an Area Governor. In 2011 she did a Youth Leadership Program to educate children in the art of communication, Public Speaking and Leadership.

We invite you to explore this website and to call to schedule a complimentary consultation with one of our experienced, knowledgeable financial advisors at our office in Paramus, NJ. We look forward to working with you.

Wealth Management Advisor

Gerald F. Jones Jr, CRPC™

SENIOR VICE PRESIDENT

After graduating from Villanova University Jerry started his business career as a salesman for Mack Trucks Inc. He held that position for two years after which time he spent the next seven years in managerial positions at Mack. Jerry became an independent business owner when he applied for and was granted a Mack Truck Sales and Service Dealership in New Jersey. The business thrived over the following 20 years as it grew to having 50 employees and selling over 200 trucks a year

After spending close to 30 years affiliated with Mack Trucks Jerry joined the Financial Services Industry moving to Merrill Lynch as a Financial Advisor. During his 13 years at Merrill he achieved the title of Senior Vice President Private Wealth Management and brought in $250 million in private client assets to Merrill along with a $1.7 billion corporate pension plan for one of the big four accounting firms. In 2006 he moved to UBS Wealth Management and spent 11 years there with the same title

Jerry achieved the designation of Chartered Retirement Planning Counselor from the College for Financial Planning while at Merrill Lynch. He has spent his career in the financial industry managing assets for clients and businesses based on coordinated and integrated financial planning and using the most appropriate financial instruments to help them achieve their goals

Jerry was Chairman Board of the New Jersey Chapter of the American Diabetes Association and was a member of the national board of the ADA. He was Chairman of the Tri County Scholarship Fund which raises over $1.0 million a year to help under privileged kids in North Jersey get a better education and also served on the lay board of trustees of Delbarton school in Morristown for 12 years

Jerry and his wife have six children and presently live in Mendham N.J. He is member of Canoe Brook Country Club in Summit N.J.

Public Speaking Engagements

Public Speaking Engagements

If you’re interested in having Macro Wealth Management’s Founder and President Theresa Yarosh speak at your organization’s meeting or event, please email your request with at least 4 weeks notice to tyarosh@macrowealthmanagement.com.

Speaking topics include but aren’t limited to:

  • Be a Truth Seeker
  • Building Wealth without Setting Limits
  • The “Flow of Money” Concept
  • Your Financial Assets: How to Conserve and Enjoy at the Same Time
  • The Big Picture Approach to Wise Investing
  • Is Social Security Going Broke?
  • Social Security and Medicare: Know the Facts

Theresa Yarosh, a Distinguished Toastmaster and professional public speaker has been a regular keynote presenter and guest lecturer for the following organizations, among others:

  • New Jersey Real Estate Investment Clubs (NJREIC)
  • Bonjour Home Care
  • New York University (NYU) – Masters Program – Management Trends
  • Dominican College
  • Marino Legal
Theresa J. Yarosh

Wealth Management Advisor

Gerald F. Jones Jr, CRPC™

SENIOR VICE PRESIDENT

After graduating from Villanova University Jerry started his business career as a salesman for Mack Trucks Inc. He held that position for two years after which time he spent the next seven years in managerial positions at Mack. Jerry became an independent business owner when he applied for and was granted a Mack Truck Sales and Service Dealership in New Jersey. The business thrived over the following 20 years as it grew to having 50 employees and selling over 200 trucks a year

After spending close to 30 years affiliated with Mack Trucks Jerry joined the Financial Services Industry moving to Merrill Lynch as a Financial Advisor. During his 13 years at Merrill he achieved the title of Senior Vice President Private Wealth Management and brought in $250 million in private client assets to Merrill along with a $1.7 billion corporate pension plan for one of the big four accounting firms. In 2006 he moved to UBS Wealth Management and spent 11 years there with the same title

Jerry achieved the designation of Chartered Retirement Planning Counselor from the College for Financial Planning while at Merrill Lynch. He has spent his career in the financial industry managing assets for clients and businesses based on coordinated and integrated financial planning and using the most appropriate financial instruments to help them achieve their goals

Jerry was Chairman Board of the New Jersey Chapter of the American Diabetes Association and was a member of the national board of the ADA. He was Chairman of the Tri County Scholarship Fund which raises over $1.0 million a year to help under privileged kids in North Jersey get a better education and also served on the lay board of trustees of Delbarton school in Morristown for 12 years

Jerry and his wife have six children and presently live in Mendham N.J. He is member of Canoe Brook Country Club in Summit N.J.

Gerald F. Jones Jr
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