Five Star award winners Access Wealth

PROFESSIONAL PROFILE

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Access Wealth

120 Eagle Rock Ave., Suite 230

East Hanover, NJ 07936

Office: 973-740-2400

info@access-wealth.com
www.access-wealth.com

Recognizing Excellence in Client-Centered Financial Planning

Access Wealth is proud to announce that Howard Milove, CPA, CFP®, and Leo Chubinishvili, CFP® have been named recipients of the 2026 Five Star Wealth Manager Award. This recognition highlights their ongoing commitment to providing exceptional financial guidance and putting clients’ best interests first.

Who We Are

At Access Wealth, we believe financial planning is about more than numbers—it’s about people, families, and the futures they envision. For more than 30 years, our team of fiduciary advisors has guided individuals, families, and business owners through life’s financial milestones with clarity and confidence.

Every relationship begins with listening. We take the time to understand what matters most—your goals, values, challenges, and dreams—before crafting a personalized plan that brings them together. From growing wealth to planning for retirement and beyond, we help clients make informed decisions that align with both their finances and their lives.

Our Professional Approach

Our approach is warm, personal, and grounded in expertise. We know that financial planning can feel overwhelming, so we work to make the process approachable and empowering.

We start with thoughtful conversations—asking the right questions, identifying priorities, and helping you define what success looks like. Then we create a roadmap designed just for you: a comprehensive financial plan that balances today’s needs with tomorrow’s goals.

Because life doesn’t stand still, neither do we. We stay in touch, review progress regularly, and adjust your plan as your circumstances or aspirations change. Whether it’s celebrating milestones or navigating challenges, we’re by your side every step of the way.

At the heart of it all is our unwavering commitment to doing what’s right for our clients. As fiduciaries, we are independent, unbiased, and loyal only to you. That philosophy—combined with decades of experience and genuine care—continues to define how we work and why our clients trust us year after year.

What We Offer

Comprehensive Financial Planning: Personalized strategies that integrate investments, taxes, retirement, insurance, and estate considerations.
Investment Management: Evidence-based portfolios tailored to your goals and tolerance for risk.
Retirement Planning: Helping you prepare for life after work—financially and emotionally.
Tax-Aware Strategies: Collaborating with your CPA or ours to help minimize taxes and maximize opportunity.
Estate & Legacy Planning: Ensuring your wealth supports the people and causes you care about most.

Howard Milove, CPA, PFS

Principal and Senior Wealth Advisor

Phone: 973-740-2400

When asked, "Why do you enjoy your job?" Howard replied, "There's a certain point with every client when you see the look of relief on their face. They grasp that their plan is doable and right for them and will help them get where they want to be. They feel like they finally have a direction, and I'm happy to be able to give them that."

Howard Milove is a principal and senior wealth advisor with Access Wealth (as well as its affiliate, EKS Associates). A Certified Public Accountant and Personal Financial Specialist, he has more than 25 years of experience in the fields of financial planning and asset portfolio management. As a member of the firm’s Investment Committee, he is responsible for managing the firm’s investment strategy, as well as selecting and monitoring the investments and managers recommended to clients.

Howard’s client base is diverse, and his hands-on style is evident the moment you meet him. He works closely with small business owners, young professionals, and individuals planning for or already in retirement. Every financial plan is tailored to meet their needs, taking life goals, financial needs, risk tolerance, and time horizons into account.

An eight-year Five Star Wealth Manager (2019, 2020, 2021, 2022, 2023, 2024, 2025, and 2026), Howard has appeared in The New York Times, The Wall Street Journal, Accounting Today, and The Star-Ledger. He contributes original content to the firm’s blog, Financial Insights, and answers readers' questions for Ask NJ Money Help. He taught “Investment ABCs” at the Princeton Adult School and “Financial Strategies for Successful Retirement” at Fairleigh Dickinson University and Bergen Community College.

Howard’s prior experience includes holding positions at a prominent New York City accounting firm, as well as one of the largest financial institutions in the country. He earned his Bachelor of Science degree in Accounting from Syracuse University. He later obtained his Personal Financial Specialist (PFS) designation, which is only granted to CPAs who meet stringent American Institute of Certified Public Accountants (AICPA) requirements. He is a member of the AICPA, the State Society of Certified Public Accountants for both New York and New Jersey, and the Financial Planning Association.

Leo Chubinishvili, CFP®

Wealth Advisor

Phone: 973-740-2400

Leo is a CERTIFIED FINANCIAL PLANNER™ professional and investment advisor with Access Wealth. He helps clients achieve their personal and financial goals by implementing a proven six-step approach to financial planning and investment management.

Leo chose this profession because he enjoys helping people and educating them on how to become financially independent. He combines his strength with numbers with his strong communication skills to forge long-lasting relationships with his clients, always ensuring they understand the recommendations in their plans.

Before joining Access Wealth, Leo worked for a large investment firm. His responsibilities included developing financial plans – concentrating on investments, insurance, and retirement planning – and ultimately presenting and implementing them for clients nationwide.

A graduate of Franklin & Marshall College (Lancaster, PA), Leo earned a Bachelor of Arts degree in Business Administration. He later obtained his CFP® certification from New York University and has also earned his Series 7, 63 and 65 licenses, as well as his Life & Health Insurance licenses.

Leo is frequently interviewed on various financial and investment topics, including how to take control of your financial anxiety and generational differences in investing. He has been published in a variety of online magazines, including:

Business Mogul
TheStreet
Birmingham Parent
Seattle Times
AARP
NJ Money Help
Fortune
Vox
Motherhood Moment
Money for Lunch
A Dime Saved

See Accomplishments

This award was issued on 11/01/2025 by Five Star Professional (FSP) for the time period 03/13/2025 through 09/05/2025. Fee paid for use of marketing materials. Self-completed questionnaire was used for rating. This rating is not related to the quality of the investment advice and based solely on the disclosed criteria. 7682 New Jersey-area wealth managers were considered for the award; 400 (5 % of candidates) were named 2026 Five Star Wealth Managers. The following prior year statistics use this format: YEAR: # Considered, # Winners, % of candidates, Issued Date, Research Period. 2025: 7,425, 431, 6%, 12/1/24, 3/13/24 - 10/7/24; 2024: 6,515, 462, 7%, 12/1/23, 3/13/23 - 9/29/23; 2023: 6,606, 407, 6%, 12/1/22, 3/21/22 - 10/18/22; 2022: 6380, 431, 7%, 12/1/21, 4/12/21 - 10/15/21; 6123, 459, 7%, 12/1/20, 3/30/20 - 10/23/20; 2020: 6210, 480, 8%, 12/1/19, 3/1/19 - 10/16/19; 2019: 6097, 477, 8%, 12/1/18, 3/21/18 - 10/12/18; 2018: 4383, 415, 9%, 12/1/17, 2/21/17 - 10/12/17; 2017: 3868, 664, 17%, 11/1/16, 2/25/16 - 10/7/16; 2016: 4143, 626, 15%, 11/1/15, 4/15/15 - 10/16/15; 2015: 5063, 672, 13%, 12/1/14, 4/15/14 - 10/16/14; 2014: 3315, 646, 19%, 12/1/13, 4/15/13 - 10/16/13; 2013: 4049, 733, 18%, 12/1/12, 4/15/12 - 10/16/12; 2012: 1312, 400, 30%, 11/1/11, 4/15/11 - 10/16/11.

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Read Access Wealth's most up-to-date Disclosure page

Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. The award is based on 10 objective criteria. Eligibility criteria - required: 1. Credentialed as a registered investment adviser (RIA) or a registered investment adviser representative; 2. Actively licensed as a RIA or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by FSP, the wealth manager has not; A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed or denied complaints with any regulatory authority or FSP's consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through FSP's consumer complaint process; feedback may not be representative of any one client's experience; C. Individually contributed to a financial settlement of a customer complaint; D. Filed for personal bankruptcy within the past 11 years; E. Been terminated from a financial services firm within the past 11 years; F. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria - considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. FSP does not evaluate quality of services provided to clients. The award is not indicative of the wealth manager's future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their clients' assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by FSP or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by FSP in the future. Visit www.fivestarprofessional.com.