Broker Check


Anthony M. Karabas, CLU®, ChFC®, LUTCF

Financial Services Executive | Financial Planner | Special Needs Planner

CA Insurance Lic# 0K06481 Domiciled in NJ

Our mission Is to help our clients make smart choices about their money so they can achieve their goals and live their lives with purpose, for the reasons that are important to them.

Qualifications & Personal Information

  • Licensed to offer Life, Health, Variable Annuities and Securities products
  • Over 25 + years of experience in the Financial Industry
  • Member of the Financial Planning Association (FPA)
  • Member of the National Association of Insurance and Financial Advisors (NAIFA)
  • Member of the Million Dollar Round Table (MDRT)
  • Member of FINSECA

Our Solutions for Life

MassMutual Tri State is dedicated to providing you with complete financial solutions, specifically focused on building long-term relationships with individuals, employees, and business owners to achieve financial security.

With roots in New Jersey, Pennsylvania and New York, we have evolved into a leading financial services company.

We have dedicated Financial Representatives and Advisors conveniently located throughout the tri-state area. Our team approach provides you with an integrated and customized solution to successfully fulfill all your financial goals and objectives.

You will benefit from the commitment, experience and personal focus of our team, combined with the financial strength, stability and industry leading solutions provided by MassMutual.


Bellaria Jimenez, CFP®, MBA

Certified Financial Plannerâ„¢ Practitioner

Gerald Silberman

Investment Director

Janine Gowdy-Karabas

Client Experience Administrator

(732) 623-7879

Nursing was my passion. For approximately a decade, I was a Critical Care Unit (CCU) Staff Nurse for a New York Teaching Hospital after which I was a Nurse Case Manager for a New York Health Insurance Company.

In April of 2005, my husband Anthony Karabas “made me an offer I could not refuse”; I would work for him in his Financial Office. I was apprehensive at first, but things are not always what they seem! When I started working for Anthony, I stated “I’m going to work for you for no longer than 6 months; I will be returning to nursing”. Well, 6 months came and went. No longer having to travel 4 hours round-trip via 3 trains and walking several New York City blocks was a price I was willing to pay. What I gained was an inside perspective on how Anthony’s services improve the quality of life for his Clients.

Some may question, how do you go from being a CCU Nurse to working in a Financial Advisory Firm? My nursing expertise as well as my commitment to help others translated relatively well in assisting Anthony in serving his clients as a collaborative member of his team.

Till this day, I have maintained both my New Jersey and New York Nursing Licenses because after all, nursing was one of the greatest joys of my life.

John Bucsek, CFP®

Certified Financial Plannerâ„¢ Practitioner

Kristen Esposito

Vice President | Registered Principal

Richard Caruso

Vice President of Compliance