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The Dawn of Your Financial Future

First Light Wealth Advisors is an independently owned, fee based, wealth management firm providing planning and investment advisory services. Our recommendations are objective and centered on assisting clients with achieving their goals. Our professionals collaborate with you to develop, implement and monitor a financial plan tailored to meet your distinct needs.

Comprehensive, Client Driven Plans

We strive to define clear and realistic goals to meet the unique and exacting needs of our clients.  There’s no ‘one size fits all’ here. We work closely with each and every relationship to help them better envision their financial future.

Before making any recommendations, we take the time to truly know our clients and make it a priority to build meaningful partnerships with those who have entrusted their future with us.

Our process consists of:

  • Discovery: We listen to your needs, assess your tolerance for risk and map out a plan.
  • Implementation: We take a calculated, comprehensive approach to ensure all aspects of your plan work seamlessly.
  • Review: Our team will meet with you regularly and make recommendations and adjustments to help maximize your continued success.

With decades of experience, we understand the importance of preserving and growing wealth and will partner with you to provide guidance, advice and solutions every step of the way.

At Our Core, We Are Solution Providers

Our focus is to partner with our clients to protect their assets and provide them with peace of mind. We maintain a philosophy of attentive client service and preserving capital while providing meaningful growth opportunities. We coordinate a diverse range of customized services into a comprehensive and cohesive goal-driven plan that includes a concierge-style approach to:

  • Income Generation
  • Senior Needs Specialization
  • Multi-Generational Relationships
  • Small Business Owners
  • Corporations
  • Employer Sponsored Retirement Plans

As a true solution provider, we help prioritize goals and guide our clients to stay on track to meet them. Ultimately, we define our success by the successes our clients. We take pride and care deeply about the specific needs of each client and have the depth and experience to meet those needs.

Your Valuable Team at the Helm

Robert (Bob) Korzik Photo

Robert (Bob) Korzik

Founding Partner
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Robert (Bob) Korzik

Founding Partner

I actually began my business career with my own swimming pool construction firm shortly after college. I’ve always had an interest in finance and helping business owners like myself. I built my career as financial advisor with Northwest Mutual that spanned over 30 years, and was awarded one of the first “under 30 agency owners”. Most recently, I’ve managed an Ameriprise Financial Service office in northern NJ.

My personal interests include spending time with my family and on a tennis court working on my serve.  

James (Jay) Korzik, AIF® Photo

James (Jay) Korzik, AIF®

Managing Partner
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James (Jay) Korzik, AIF®

Managing Partner

I’ve been fortunate to receive early guidance from my father, and followed in the family tradition in the financial advice industry. My focus is to guide our firm’s operations and strategy. My goal is to ensure that we’re serve clients with the highest level of personal support while leveraging the technology most effective and efficiently.

I received my education from Seton Hall University, and Bergen Catholic High School.   My personal interests include boating/offshore fishing and I am a licensed captain. 

Carmela (Milly) DiGangi Photo

Carmela (Milly) DiGangi

Operations Manager
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Carmela (Milly) DiGangi


Milly DiGangi joined FLWA in 2017, bringing with her over 30 years of experience in the financial services industry. As the Operation Manager she supports and maintains the day-to-day operations of the firm in a variety of capacities including a full range of administrative support, client onboarding, account maintenance and reporting.

In her free time, Milly enjoys boating, hiking, working out and spending time with her friends, family and furbaby. 

KNowledge & insights

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While every conversation is different, you should expect to cover some general information and get a sense of what it’s like to collaborate with us. 

Frequently Asked Questions

What's an independent Registered Investment Advisor?

A Registered Investment Advisor (RIA) is an advisor or firm engaged in the investment advisory business and registered either with the Securities and Exchange Commission (SEC) or state securities authorities. RIAs have a fiduciary duty to their clients, which means they have a fundamental obligation to provide suitable investment advice and always act in their clients' best interests.

What is the responsibility of a Fiduciary?

A fiduciary is a person or organization that owes to another the duties of good faith and trust. The highest legal duty of one party to another, it also involves being bound ethically to act in the other's best interests. 

Why does it matter if your advisor is independent?

Many independent advisory firms are owned by the individual advisors who run them, so they forge deep, personal relationships and have a strong sense of accountability to their clients. 

Source: Schwab Advisor Services: 5 key benefits of independent financial advisors