our team

Senior Leadership

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Wanda P. Hardy

President & Chief Executive Officer

Wanda P. Hardy, President & CEO of the Financial Wellness Institute, is a renowned and highly decorated financial educator and consultant.  She has conducted numerous classes, workshops and seminars in the Delaware Valley area, instructing thousands of individuals and families in making informed financial decisions.  An American Association of Family & Consumer Science Certified Personal & Family Finance Educator (CPFFE) and certified FDIC Money Smart Trainer and Instructor, she has trained bank staff members, social service agency, nonprofit organization and government agency personnel to deliver financial education programs specifically geared to their needs.

A champion of issues impacting the economic health of the community, Ms. Hardy is a Trustee for Jefferson Health Foundation, New Jersey and the Community Foundation of South Jersey. She is Chair of the Board of Directors for the Nonprofit Development Center of Southern New Jersey. In addition, she serves on the Board of Directors for Wells Fargo Regional Foundation and Community Development Corp.

Ms. Hardy is a graduate of Columbia University School of Business for Nonprofit Management and holds both a Bachelor of Science degree and an Executive Master’s degree in Business Administration (EMBA) from St. Joseph’s University.


Board of Trustees

Crystal Dundas

Crystal Dundas is Vice President of Corporate Communications for Wells Fargo Bank.  In this role she provides internal and external communications leadership for Central New Jersey, Southern New Jersey and the Delaware Valley.  Prior that she served as the Program and Communications officer for the Wells Fargo Regional Foundation where she oversaw the Foundation’s communications and media relations and made grant recommendations to the board.  Crystal joined the Foundation in 2008 from UBS Financial Services where she served as grant manager for Wealth Management corporate contributions and UBS Foundation USA.  Prior to her work at UBS, Crystal spent four years running job readiness and financial literacy programs for youth in the City of Philadelphia. 


Crystal is the former co-chair of the Steering Committee of Emerging Practitioners in Philanthropy’s (EPIP) Philadelphia chapter and a former current member of the Board of Harambee Charter School.   Crystal holds a BS in economics from the University of Pennsylvania’s Wharton School of Business.


Robert Juliano

Robert Juliano joined WSFS Bank, formerly Beneficial Bank in 1996 in the Consumer Lending department, bringing over 30 years of financial services experience to the Bank. In 2007, Juliano was appointed to serve as Beneficial’s Director of Corporate Giving & Financial Literacy. Before joining Beneficial, he previously held the position of Credit Analyst at Germantown Savings Bank.


At WSFS Bank, Juliano is responsible for administering and coordinating the Bank’s Corporate Giving, Volunteer and Financial Literacy Programs. He oversees The WSFS Community Foundation, leading grant funding and interacting with local non-profit organizations.


He currently serves on the Boards of Holy Family Home/Little Sisters of the Poor, Entrepreneur Works, Roman Catholic High School, Prayers Unite the World and The Catholic Philopatrian Literary Institute. Juliano also serves on the Urban Affairs Coalition’s Community and Economic Development Committee, Mercy Vocational High School’s Advancement Committee and the Archbishop’s Christmas Benefit for Children Planning Committee.


Juliano holds a Bachelor of Arts degree from St. Charles Seminary and a Certificate of Communication for Professionals from the University of Pennsylvania.


Tiffanie Talley-Baines

Tiffanie Talley-Baines is a VP, Branch Manager at JP Morgan Chase Bank.  She has been a people manager for twenty plus years, and finds much joy in coaching, developing and influencing those around her.  Tiffanie has been awarded several awards for her delivery from various institutions such as League of Excellence, Diamond Club and recently recognized for Black Excellence by TD Bank.  She actively serves as the Ambassador for Advancing Black Pathways - an initiative by JP Morgan Chase that builds on the existing efforts to help the black community chart stronger paths towards economic success and empowerment. Tiffanie is from South Jersey, but spends most days in the City of Brotherly Love. Tiffanie is a member of the Urban League (Philadelphia) and serves as a Board member for Youthbuild Philadelphia Charter School, which gives young adults an opportunity to earn a high schools diploma while focusing on a vocational track. 

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Dr Anthony J. Wehbe

Dr Anthony J. Wehbe, DO, MBA, FACOI, is a practicing board certified Internal Medicine physician and award winning healthcare executive. Dr Wehbe’s people-centric, physician-focused leadership has optimized clinical outcomes and financial performance at integrated health systems in the Philadelphia region. He has designed and executed strategies that maximize revenue and market share, while improving quality and containing costs.

Dr Wehbe’s expertise spans the full range of healthcare and physician leadership—from fiscal stewardship and operations excellence to provider recruitment, team building and patient satisfaction. Most recently, as Senior Vice President & Physician Executive, Anthony provided operational, clinical and financial oversight for several entities at Jefferson Health New Jersey.  He has managed Hospitalist and Peri-operative Medicine programs, primary and specialty care, medical and surgical specialties; home health care; long-term care facility and sub-acute rehabilitation centers, population health management teams, both on the health system side and physician group side.  Dr. Wehbe created and led an integrated care management team, ensuring patients received the appropriate and most efficient care throughout their course of treatment, in particular amongst the underserved and uninsured communities. He has been recognized as “Top Doc” over several years by many publications, and in 2017, he was named to Philadelphia Business Journal’s honor roll of “40 Under 40” top executives. 


Dr. Wehbe earned both his undergraduate and MBA degrees from Philadelphia’s St. Joseph’s University. He graduated from the Philadelphia College of Osteopathic Medicine, and completed residency at UMDNJ. Dr. Wehbe holds memberships in the American College of Health Care Executives, American Association for Physician Leadership, American Academy of Telemedicine, American College of Osteopathic Internists, American College of Physicians, American College of Preventative Medicine, American Osteopathic Association, and the American Medical Association, among others. 

Darrin W. Gould,

Darrin W. Gould is currently Vice President and Senior Business Banking Officer at Columbia Bank. Darrin began his career with the Philadelphia Stock Exchange and then moved onto Toys R Us as a Human Resources Manager. He spent nearly ten years in retail and performed nearly every function imaginable.  After leaving retail, Darrin worked for almost a decade primarily with Hewlett Packard in the computer industry and had several position including Marketing Manager, Technical and Sales Trainer, and Regional Manager.  Over the last two decades, he has had several leadership roles within the financial services industry.

Darrin has worked with many non-profits over the years, including Big Brothers Big Sisters, Girl Scouts of Southern New Jersey, and Food Bank of South Jersey to name a few. He has volunteered as a High School Youth leader for his church, Robotics competition judge, and Professional Resume and Dress advisor. Darrin holds a Bachelor of Science with a dual Major in Finance and Marketing from Drexel University.


Robin Todd

Robin L. Todd is Rutgers Law School’s Assistant Dean for Development, leading Camden’s location fundraising efforts.  Her fundraising career spans three decades of leadership and service to the not-for-profit community of southern New Jersey. 

Committed to making our community a better place to live, work, and learn, Robin serves on the Financial Wellness Institute’s Board of Trustees, past Chair of the Association of Fundraising Professionals


Mentoring Program for thirteen years, and as an active CASE member.  Being an advocate for the preserving our environment, Robin volunteers her time cleaning the waterways and hiking trails of the New Jersey Pinelands. 

Robin earned her BA in Communications from Fairleigh Dickinson University, MBA from Rutgers University in 2018, and has held the Certified Fundraising Executive credential (CFRE) since 1996. 


Melissa Fox

Melissa has over 20 years of experience in healthcare operations and strategic management in various healthcare settings include home care, hospice, behavioral health, Federally Qualified Health Centers, health education, and diversion programming. In Melissa’s current role as COO of Acenda, she is responsible for the oversight of the agency’s divisional offering which includes over 100 programs, as well as the Information Technology team, the agency’s Access Center and Quality, Compliance and Risk departments.


Barbara A. Wallace

Barbara has a lifetime of commitment to public and community service with a passion for advocating for children and families.


Recognizing that all children are “at risk,” Barbara hit the ground running when she and her husband John relocated to Washington Township after John’s military service in 1970. Barbara joined the Wedgwood Women’s Club, attended Board of Education meetings and researched the issues facing Washington Township and Gloucester County.


She was the founding and organizing member of the Wedgwood PTO, serving as President for many years.  Barbara went on to become a founding and charter member of the Washington Township Education Foundation. Barbara was elected to the Washington Township Board of Education in the early 1980’s where she served as President.


Continuing her active membership in Girl Scouting, Barbara became a Cadette Leader with Holly Shores Girl Scout Council and quickly grew her troop to 35 girl scouts. Her work as a leader and trainer took her journey to the Board of Directors where she served as President and led the merger of Holly Shores to Girls Scouts of South Jersey Pines.  Her activities and leadership in Girl Scouting brought her to RobinsNest.  This was the beginning of a lovefest that has endured today.


Barbara was active in the Washington Township Athletic Association, developing policy, coaching and officiating.  Barbara’s participation in sports meant that all children were special and were included in competitions.   In 2018, she was inducted into the New Jersey Special Olympics Hall of Fame.     


Barbara served on the Childrens Shelter Board in Gloucester County which opened her eyes to the atrocities that our children faced in the Juvenile Justice System.  When the family law legislation was passed in New Jersey, Barbara was asked to serve on the Child Placement Review Board and the State Advisory Committee to develop policy for reviewing children placed in foster care.  Barbara continues her advocacy for children serving on the New Jersey State Juvenile Justice Delinquency Prevention Committee as Vice Chair.

Financial Wellness Institute Board of Directors, Del-PA-NJ

Daniel Mak, Esq., Secretary

Daniel Mak, Esquire is an international tax attorney and is barred in New Jersey and Pennsylvania. He is currently employed by a mid-size regional corporate tax services firm, Global Tax Management, where he focuses on providing international tax planning, compliance and quantitative services to multinational corporate clients. Daniel's professional and educational experience is rooted in the accounting, finance, and tax areas. He deeply supports financial literacy and advocacy for under-served communities, including significant time as a Volunteer Income Tax Assistance project coordinator while attending Rutgers School of Law - Camden.

Financial Wellness Institute Board of Directors, Del-PA-NJ

Rita T. Wood, M. Ed, Secretary

Rita is a Certified Family and Consumer Sciences professional with a Bachelor of Science in Home Economics from Villa Maria College, and a Master of Education in Adult Education from Rutgers University. Ms. Wood was the Family and Consumer Sciences Educator of Burlington County for over 32 years, using a variety of delivery methods to educate consumers about financial management. She holds the rank of Professor Emerita from the Department of Family and Consumer Sciences for Rutgers University of New Jersey. Through the execution of professional papers and presentations at both the national and international levels, Rita is known for advocating the development of a global perspective toward Family and Consumer Sciences programming. Ms. Wood has served as a consultant to university departments in Australia, New Zealand, Caribbean and Canada.

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Advisory Board


Mariya A. Burnell

Mariya A. Burnell is the Vice President, Community Development Manager with TD Bank, N.A., supporting the New Jersey and Pennsylvania markets. She is passionate about identifying the needs of the communities and finding solutions to expand the services and improve the lives of their low- and moderate-income residents. Prior to joining TD Bank, Mariya worked in the CRA/community development field at Sun National Bank and held the position of CRA Officer at Beneficial Bank. She has a Juris Doctor degree from the University of Maine School of Law; and a bachelor's degree in International Economic Relations from the University of Economics, Varna – Bulgaria. Mariya is licensed to practice law in the State of New Jersey and the Commonwealth of Pennsylvania.

She is fluent in Bulgarian.

Financial Wellness Institute Advisory Board Member, Del-PA-NJ

Lawrence M. DiVietro Jr.

Lawrence DiVietro is the President and CEO of Land Dimensions Engineering; and also a Licensed Professional Planner, certified by the American Institute of Certified Planners and registered in New Jersey. Larry began his career in civil and site development engineering in the mid-1970s with the founding of his company. Over the past 38 years, the company has grown; providing land use design consulting throughout the southern New Jersey Region. Land Dimensions Engineering is a highly sought-after land use planning and site development design company recognized by both private and public sector interests. The firm has completed project designs for commercial, residential, recreational, and mixed-use developments throughout the Delaware Valley region.

Financial Wellness Institute Advisory Board Member, Del-PA-NJ

Theresa DiVietro

Theresa DiVietro, co-owner of Land Dimensions Engineering, serves in the capacity of Vice President of Marketing and Business Development. In 2001, Theresa founded LTD Unlimited, for the purpose of making real estate investments into communities undergoing downtown revitalization. She became actively involved in economic development and was appointed to the board of the Glassboro Economic Development Corporation. In 2003, Theresa became a Trustee on the Board of The Community Foundation of South Jersey, a public charity which was formed as a conduit for philanthropy and is exclusively devoted to meeting the needs of the eight counties that comprise the South Jersey region.

Financial Wellness Institute Advisory Board Member, Del-PA-NJ

Mark Hodges

Mark Hodges is a former Senior Vice President of Corporate Operations for Hovnanian Enterprises, one of the nation’s largest publicly traded homebuilding companies. He joined the company as VP for Quality and served as VP of Operations for the company’s largest operating Region encompassing New Jersey, New York and Pennsylvania. Mark founded a multi-program non-profit foundation and served as Executive Director for two years. He raised nearly $2 Million to support the foundation’s programs; including the St. Joseph Carpenter Society, a non-profit housing developer which has built or rehabilitated nearly 1000 homes in the City of Camden and surrounding areas. Mark now consults with homebuilders across the U.S., helping them to plan for growth and to achieve high levels of operating excellence.

Financial Wellness Institute Advisory Board Member, Del-PA-NJ

John Poliero

Coming soon.

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Wanda I. Saez

Wanda I. Saez is a Senior Vice President with Wells Fargo’s Corporate Responsibility and Community Relations Group, serving the New York, New Jersey and Connecticut markets. As a 23-year veteran in the community development and relations field, she helps to manage relationships with community groups, activists, small businesses, nonprofit organizations, local governments and community leaders. Fluent in Spanish, Wanda completed the Boston College Corporate Citizenship Leadership Academy. She holds a Master’s degree in Business Administration from the University of Phoenix, CFP certification from New York University and a bachelor’s degree in Business Administration from Baruch College, City University of New York.

Financial Wellness Institute Advisory Board Member, Del-PA-NJ

Carolyn Zumpino

Carolyn Zumpino is the sitting President of Triad Associates, with an extensive background in real estate finance, insurance, and project management. Triad, which has generated nearly $1 Billion in funding for its clients over the past 40 years, offers a full suite of community and economic development, housing and strategic planning solutions. Zumpino has a passion for helping communities thrive and is devoted to identifying solutions that promote revitalization and growth. This is evident in her ability to transform community visions into viable projects. Committed to growing and promoting Triad’s reputation as the premiere Community and Economic Development Consulting firm in the region, Zumpino plans, with the support of her team, to expand upon the foundation that has been established over the last 4 decades.