Timothy Cicala, CFP

Timothy Cicala, CFP CERTIFIED FINANCIAL PLANNER™, Certified Plan Fiduciary Advisor™, and credentialed holistic financial coach at A.P. Lubrano & Company. Lubrano & Company, Inc.

Schedule a meeting at www.calendly.com/tcicala

CA Insurance Lic. #4129647 After graduating in the top 10% of my high school class (National Honor Society, varsity football, and a part time job), I attended Penn State, where I earned a Bachelor of Science in Aerospace Engineering. I served on the executive board of FOTO, a THON organization that raises money for childhood cancer, sat on the board

of the Penn State AIAA chapter, and received scholarships from the National Italian American Foundation and AIAA. Today I am a CERTIFIED FINANCIAL PLANNER™ professional, Certified Plan Fiduciary Advisor™, and credentialed holistic financial coach on the A.P. Lubrano & Company team within Equitable Advisors, LLC. Our group manages more than $1.5 billion in assets, oversees over forty 401(k) plans from under $1 million to more than $325 million, and has been recognized as a NAPA Top Defined Contribution Advisor Firm for nine consecutive years. I work closely with high net worth families, physicians, attorneys, executives, successful Penn State alumni, Italian Americans, and those who care deeply about children’s causes. Clients choose me because I combine elite credentials with the accessibility and energy of a younger advisor who actually picks up the phone and puts them first. To schedule a brief introduction, you can visit www.calendly.com/tcicala

NOTE – All InMail, e-mail and other electronic individual and group communications sent to and received from this SOCIAL MEDIA page are subject to capture, review and archive by Equitable Advisors, LLC and to possible production upon regulator request for review. Duly registered and licensed representatives offer securities through Equitable Advisors, LLC (NY, NY (212) 314-4600), member FINRA, SIPC (Equitable Financial Advisors in MI & TN), offer investment advisory products and services through Equitable Advisors, LLC, an SEC-registered investment advisor, and offer annuities and insurance through Equitable Network, LLC, (Equitable Network Insurance Agency of California, LLC; Equitable Network Insurance Agency of Utah, LLC; Equitable Network of Puerto Rico, LLC). Equal Opportunity Employer – M/F/D/V. All companies are affiliated and do not provide tax or legal advice. For financial professionals conducting business in the state of New York who hold one or more of the following designations and title respectively, please see Important Information & Disclosures in the link below: CASL, RICP, and CRPC professional designations, and RETIREMENT PLANNING SPECIALIST title. Important Information & Disclosures: http://bit.ly/2f98X9d

A.P. is not a registered investment advisor and is not owned or operated by Equitable Advisors or Equitable Network.

Tim’s Table of WealthHomemade French toast made from leftover bread, fresh strawberries, and a slower morning.One thing ...
05/21/2026

Tim’s Table of Wealth

Homemade French toast made from leftover bread, fresh strawberries, and a slower morning.

One thing I believe more every year: wealth should improve the quality of your everyday life, not just the numbers on a screen.

More time around the table. Less rushing. More presence.

That’s real wealth too.

05/21/2026

Good leaders plan for continuity, not just success.

Spent Sunday at the final round of the 2026 PGA Championship at Aronimink.Congratulations to Aaron Rai on an impressive ...
05/21/2026

Spent Sunday at the final round of the 2026 PGA Championship at Aronimink.

Congratulations to Aaron Rai on an impressive win.

One thing that stands out watching the best players in the world up close:

The difference at the highest level usually is not talent alone.

It’s preparation.
Discipline.
Patience.
Emotional control.

Watching the final round in person was a great reminder that composure, discipline, and consistency matter at the highest levels, whether in golf, business, or investing.

Most costly mistakes happen when people react emotionally, lose perspective, or try to force outcomes.

The best long-term results usually come from having a clear strategy and sticking to it through different conditions.

Very grateful for the chance to spend the day with good friends and great people like MacAvoy.

Experiences like this are a reminder that relationships and memories matter just as much as financial success.

05/14/2026

Being responsible for others changes how you think about money.

Stocks surged in April, delivering their strongest monthly gains in five years as solid economic data, easing geopolitic...
05/11/2026

Stocks surged in April, delivering their strongest monthly gains in five years as solid economic data, easing geopolitical tensions, and upbeat first-quarter earnings lifted investor sentiment. The Nasdaq climbed 15.29%, the S&P 500 rose 10.42%, and the Dow gained 7.14%, while Canada’s S&P/TSX Composite added 3.65%. With no Fed meeting in May, attention turns to remarks from Fed officials and how evolving economic data may shape expectations moving forward. From \$34.1 billion in U.S. spending to the popularity of Mother’s Day dining and gifts, this month’s By the Numbers highlights how families celebrate the occasion.

Monthly Market Insights | May 2026 U.S. and Canadian Markets Stocks surged in April, notching their best month in five years as investors cheered upbeat economic news, efforts to lower tensions in the Middle East, and first-quarter results. The Nasdaq Composite rose an eye-catching 15.29 percent, wh...

05/07/2026

Leadership shows up in the unglamorous decisions.
The ones no one applauds.

04/30/2026

Planning is less about prediction
and more about positioning.

Tim’s Table of Wealth🍽️ 🍷Caponata… again.At this point, it’s basically on a recurring schedule in my house. So if you’re...
04/28/2026

Tim’s Table of Wealth🍽️ 🍷

Caponata… again.

At this point, it’s basically on a recurring schedule in my house. So if you’re seeing it on your feed again, just know this: I’m not out of ideas… I’m just consistent.

And honestly, that’s kind of the point.

Because making caponata is a lot like building a business.

It doesn’t happen all at once.
It happens in stages. And each stage matters more than you think.

You don’t just throw everything in a pan and hope it works.

You start with the base.
The soffritto… onions, capers, olives. Slow, intentional, building flavor.

Then separate steps:
Frying the eggplant just right.
Boiling the celery so it softens without losing structure.
Letting each component become what it’s supposed to be before combining it.

Only later do you bring it together.
The vinegar and sugar go in at the right moment.
The basil at the end, not the beginning.

Timing matters. Sequence matters. Patience matters.

Same with business.

You don’t scale before you have a foundation.
You don’t rush growth before refining your process.
You don’t skip steps and expect a great outcome.

What looks like “one finished product” from the outside…
is actually a series of well-executed stages behind the scenes.

That’s what I love about this dish.

Olive oil, eggplant, celery, capers, olives, tomatoes, vinegar, sugar, basil…
even optional adds like raisins, pine nuts, or red pepper…

Individually? Simple.
Together? Something memorable.

Built the right way? Even better the next day.

Just like a business.

And just like a great financial plan.

— Tim

04/23/2026

Risk isn’t volatility.
Risk is being unprepared.

04/16/2026

When people rely on you,
simplicity becomes a responsibility.

Address

1610 Fairview Road
Glenmoore, PA
19343

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