RALPH J. CETRULO, CPA
Partner
In 1988, Ralph began his career at a regional Philadelphia-based accounting practice. Specializing in all areas of accounting and tax law, Ralph's fields of expertise include closely held corporations, mergers and acquisitions, corporate divestitures, financial forecasts and projections, debt and financing services, business valuations, business brokerage, tax planning for companies and individuals and personal financial planning. His industry experience spans distribution, construction, service, real estate, retail, non-profits, private schools and the medical field. Additionally, small- and mid-sized organizations and businesses benefit from Ralph's skills in accounting, auditing and management consulting.
He is an investment advisor in Cetrulo & Morgan Group, LLC joint venture with the Mid-Atlantic region's premier personal financial planning firm - Sage Financial Group, Inc. of Bala Cynwyd, PA. As such, Ralph offers financial planning as a registered investment advisory.
Ralph holds a Bachelor of Science Degree in Accounting from the University of Delaware and is a member of the American Institute of Certified Public Accountants and the Wilmington Tax Group. He also serves as Board Member for the Better Business Bureau and Special Olympics, and as a Finance Committee Member for the New Castle County Chamber of Commerce.
JULIE M. MORGAN, CPA
Partner
Julie has over twenty five years experience in public and industry accounting. Her primary areas of expertise include accounting, auditing, and taxation, providing these services to medical and legal firms, non-profit organizations, wholesale distributors, and multi-state construction companies - among others. Beyond traditional accounting and tax services, Julie has consulted with small start-up companies, assisting them in securing financing, hiring bookkeeping personnel, and implementing and maintaining internal accounting procedures.
Prior to her career in public accounting, Julie managed the accounting departments of a growing retail corporation, a local law firm, and a large non-profit trade association. She was also a controller in such industries as stainless steel manufacturing, construction and HVAC, and provided accounting services to a radiological physicians group.
Julie attained a BS in Business Administration, with a concentration in Accountancy, from California State University, while working full-time. Her professional affiliations include the American Institute of Certified Public Accountants, Delaware Society of Certified Public Accountants and the Women Presidents Organization. She also serves as a Board Member for the Darlington Arts Center and the Better Business Bureau.
APRIL M. STERCULA
Partner
April Stercula has over fifteen years of experience working for Fortune 100 companies. Her last position was as the Division Head of Risk Management for MBNA America. As Senior Executive Vice President, her responsibilities included the credit risk oversight of the company’s $100 billion loan portfolio which included U.S. Credit Card, Consumer Finance and Business Lending as well as the Canadian and U.K. card and loan portfolios.
Mrs. Stercula’s areas of expertise cover most facets of Operations and Management. Throughout her corporate career, she has implemented systems and redesigned processes that have saved her employers millions of dollars annually. She participated in numerous due diligence teams for multi-billion dollar acquisitions. And, she developed comprehensive leadership programs and mentored numerous managers who continue to rely on her insight and guidance today. The Senior Executive Committee of MBNA America presented her with the prestigious Crozier Award in 1998 for her work and dedication to the precepts of the company.
After a very successful and rewarding corporate career, Mrs. Stercula now utilizes her skills to advise small to mid-sized companies on strategic planning, and leadership issues. Her clients benefit from her disciplined and balanced approach to growth and change. In addition to her consulting work, she has served as an adjunct professor at Widener University and serves on the board of advisors for several companies.
April holds a Bachelor’s Degree in Finance and a Master’s Degree in Strategic Planning and Leadership.