About Us

At BCS, we work with individuals, institutions, families and, their professional advisors to grow, preserve, and transfer wealth through personalized financial planning, prudent investing, and comprehensive wealth-management services. As fiduciaries, we are held to the highest standard of conduct in managing our clients’ assets and align our incentives with what really matters: client success.

We are committed to helping our clients establish and achieve their financial goals by creating integrated wealth management solutions based on sound, unbiased advice. We have no proprietary products or services and, because we have the ability to do business with a number of different firms, we can focus on what is best for the client. We feel this aligns our interests with our clients’ when managing their account(s). We pride ourselves on our high level of service, honesty, discretion, and integrity.

Our Team

John Caroli, CFP®, CDFA®

DSC_4244 In 10 years at UBS, John Caroli served as First Vice President and Senior Portfolio Manager. It is there that he began working with Chris and Scott and ultimately co-founded BCS Wealth Management.

Today, John specializes in portfolio management and financial planning services for the clients of BCS. He began his professional career as a staff engineer at the Massachusetts Institute of Technology, after which he worked as an environmental engineer. His first foray into the world of finance came with Robert R. Meredith & Co, where he was a municipal bond trader.

John received a B.A. in Environmental Engineering from the University of Rhode Island and an M.S. in Civil Engineering from Tufts University. He also holds the Certified Financial Planner (CFP®) and Certified Divorce Financial Analyst(CDFA®) designations, rounding out his education.

Outside of work, John is keenly aware of community affairs and contributes to several nonprofit organizations. He is a Trustee of the Twin Lights Foundation and enjoys running, hockey and tennis.

Christopher Bernard, Chartered Financial Analyst

DSC_4172Unlike his two colleagues, Chris Bernard began his professional career in the world of finance. He started at Lehman Brothers, working with institutions and high net worth clients, before joining John and Scott at UBS, where he served as a Financial Advisor.

Since co-founding BCS Wealth Management, Chris has focused primarily on portfolio management and financial planning services.

Chris received a B.S. in Business Administration, concentrated in Finance Marketing with a minor in Leadership Studies, from the University of Richmond. Today, Chris holds the Chartered Financial Analyst (CFA) designation, earned through a globally-recognized, self-study, graduate-level program for investment professionals.

Chris lives in Highlands, NJ and enjoys playing hockey and golf in his leisure time.

David B. “Scott” Schiff, MBA

DSC_8614 (1)Prior to co-founding BCS Wealth Management, Scott served as Vice President and Financial Advisor at UBS. Scott has overseen mergers and acquisitions, and has worked in the record industry, having founded Touchwood Records, LLC. His variety of business experience helps him to understand and navigate today’s global financial picture.

Scott’s vast experience in trust and estate planning and alternative investments makes him an especially valuable member of the team at BCS.

Scott received his B.A. in Art History from Trinity College, and earned an M.B.A. with a specialty in Management from NYU’s Stern School of Business. His interests outside of finance include charitable giving, serving on the boards of both the Wildlife Conservation Society and the Cultural Institutions Retirement System. He enjoys collecting, reading, art, music, and travelling.