Broker Check

Who We Are 

Our Team

Our close-knit team has been together for 20+ years, helping a wide range of clients work toward their goals. What we’ve learned is that most financial challenges are internal, not external, so our support extends far beyond investment advice.

James P. Debuque, CPFA®, CPWA®, CRPC

Managing Partner, Private Wealth Manager

James (or Jamie) is known for peeling away the complexities of finance to empower clients with knowledge that’s relatable and easy to digest. By combining objective pragmatism with an innate curiosity about his clients’ lives, he designs financial plans that are personalized, straightforward, and actionable.

Beginning his career in 1994 at Merrill Lynch, Jamie’s philosophy revolves around a blend of two core principles: exemplary service and a conservative investment ideology. By favoring long-term estate, tax and investment strategies that are sustainable, he attracts clients who stay with him for the long haul.

After graduating from Delaware Valley University in Doylestown, PA with a bachelor’s degree in business, Jamie went on to earn his MBA from La Salle University. He holds Series 7 and 66 licenses through LPL Financial, as well as Chartered Retirement Planning Counselor™ (CPRC) and Certified Private Wealth Advisor® (CPWA) designations.

Jamie lives with his wife and three children in Doylestown, PA. An active community leader, he heads the La Salle University Bucks County Alumni Chapter and contributes to the Delaware Valley University Business Advisory Council. His voice echoes in local high schools and colleges where he frequently speaks on financial literacy, a subject close to his heart. When not focused on numbers or spending time with family, you may find Jamie running, cycling, or buried in the pages of a good book.


Timothy M. Baltz, CPFA®, CRPC

Managing Partner, Private Wealth Manager

With an ear for understanding and a voice for clarity, Tim connects the dots to illuminate his clients’ financial path with personalized strategies that reflect their uniqueness. And his approach has not gone unnoticed—in 2023 he was named to the Forbes “Best-in-State Wealth Management Teams” list.

While Tim entered the investment world in 1994, he spent most of his career at Merrill Lynch, which he joined in 2003. His expertise shines brightest when guiding clients through retirement, whether that’s decades away or already here. He advises on everything from healthcare costs and caring for family members to charitable giving, post-retirement work and more. Steering clear of financial jargon whenever possible, his style is simple, succinct and straightforward.

With a bachelor’s degree in accounting from DeSales University in Pennsylvania, Tim is a Certified Plan Fiduciary Advisor (CPFA®) and a Chartered Retirement Planning Counselor (CRPC®) who holds Series 7 and 66 licenses through LPL Financial.

Away from the office, Tim supports the Wounded Warrior Project and immerses himself in the great outdoors through mountain biking, skiing, fishing, basketball, and golf. He and his wife, Gail, have an adult son, Evan, and a cat named Dupree.


Wendy A. Fratrik, CRPC


Since entering the financial services world nearly three decades ago, Wendy has put a lot of effort into building strong client relationships—many of which she still maintains today. The client trust and confidence she has been able to cultivate is what fuels her dedication to this work.

Wendy’s journey began at Legg Mason Wood Walker where she honed her skills as a branch office coordinator before joining Merrill Lynch in 2000. Over the years she has broadened her experience by assisting with asset transfers, cash management, market executions, trade reconciliations, and client portfolio analysis. Wendy brings all of this and more to the Continuity Private Wealth team.

As a graduate of Elizabethtown College in Pennsylvania, Wendy is a Chartered Retirement Planning Counselor (CRPC®) who holds Series 7 and 66 licenses through LPL Financial. She and her husband, Michael, live in Doylestown with their two children, Bailey and Drew. In her free time, Wendy enjoys hiking, boating, and supporting various charities including CHOP for Genetic Research, the Crohn’s & Colitis Foundation, and A Woman’s Place.


Lisa Baltz


Lisa is a committed Wealth Manager Assistant who recently joined the financial industry. She comes from Pompton Lakes, NJ, and completed her education at Moravian College.

Lisa has been married to her husband, Jeremy, for over 30 years and is a devoted wife and mother to three sons, 24, 22, and 20 years old. They share their home with Calvin, their Bernese Mountain dog.

Outside of her professional life, Lisa supports charitable causes close to her heart. She advocates for the American Heart Association and actively contributes to the Temple University Hospital Heart Failure Program.

Lisa enjoys hiking, traveling with her husband, and exploring new destinations in her leisure time.


Nicole Ferrara


Nicole started her career in financial services in 2019. As a Customer Relationship Manager (CRM), she assists clients in developing wealth management strategies tailored to their needs. Nicole is an active listener and guides clients through informed decision-making, considering their unique circumstances. She enjoys establishing relationships with clients and learning about their unique stories, including the events and milestones that have shaped their lives.

Originally from Pennington, NJ, Nicole is a graduate of Coastal Carolina University and holds her Series 7 and 66 licenses through LPL Financial. She is happily married and shares her home with two furry companions, Kiki, an eleven-year-old Maine Coon, and Rusty, a two-month-old tabby cat.

Nicole enjoys reading and long-distance running. She has completed two half marathons and is looking forward to running another one soon.

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