Board of Directors
Meggan Ciaccia, President
Meggan L. Ciaccia, CPA, is a Partner, along with her father, of Montecino & Ciaccia, P.A. With 15 years of diversified accounting experience, she enjoys the variety of work she does and loves working with so many different clients and industries. Meggan is a Certified Tax Resolution Specialist, which allows her to help clients who have received a letter from the IRS, who owe back taxes, or who need to file delinquent taxes. She is a licensed CPA in New Jersey and is a CGMA, Chartered Global Management Accountant. Meggan is a member of the American Institute of CPAs, New Jersey Society of CPAs, and American Society of Tax Problem Solvers.
Meggan started Girl Power, an empowerment program for girls in 4th-6th grade at her local elementary school, in the fall of 2017. She is looking forward to continuing to work with these girls in the upcoming school year. Girl Power is a program to encourage positive social, emotional, mental, and physical development. Our mission is helping the girls develop important strategies and skills to help them navigate present and future life experiences.
Meggan resides in National Park with her husband and two sons.
Anne Caruso, Immediate Past President
Anne Caruso is Manager at First Choice Business Brokers, the world’s leading specialist in business sales. Anne’s expertise and passion for assisting entrepreneurial-minded people to buy or sell their businesses enables people to ultimately live the lifestyle they’ve always dreamed of. She is a strong advocate for providing leaders with the resources needed to take the next step in their business journey.
Before joining First Choice Business Brokers, Anne spent over 15 years as a successful business owner in the technology industry before selling the business in 2020. As President of Networks Plus, Anne and her husband, Jerry, grew the small New Jersey IT business to one of the region’s most sought-after providers of digital services including VoIP, website design and consulting.
Anne’s commitment to the South Jersey business community is clearly reflected through her active role in various local organizations. She proudly serves on the Board of Trustees for the Burlington County Regional Chamber of Commerce (BCRCC) where she is a member of the Executive Board and Membership Task Force. In addition, she is a member of the Moorestown Rotary Board of Directors, Immediate Past President of the National Association of Women Business Owners (NAWBO) South Jersey Chapter and former Honorary Commander with the Joint Base McGuire-Dix-Lakehurst.
Throughout her career, Anne has made it a top priority to help women foster connections through professional mentorship and networking. During her time as President of NAWBO, the chapter focused on growing membership and soared to new heights. She currently serves on the BCRCC Women and Business Committee and participates in the Alice Paul Mentoring Program which offers leadership development for teens. Anne is also proud of her history as President and Founder of the Ladies of the Irish Heritage, a non-sectarian group that meets monthly to celebrate Irish culture.
Anne’s fierce drive, keen business sense and wholehearted dedication to serving South Jersey have not gone unnoticed. In 2019, she was recognized by SJ Biz as Executive of the Year and in 2018, received the NJ Senate and Assembly Woman of Excellence Award and Delaware Valley Women of the Year Award. She also received the 2017 NAWBO Company of the Year Award, Burlington County Regional Chamber of Commerce 2016 Chairman’s Award of Excellence and SJ Biz Magazine’s 2017 Women to Watch.
While Anne has masterfully balanced a successful career with a demanding philanthropic schedule, she cites her family as her greatest accomplishment. She currently resides in Palmyra, New Jersey with her husband and loves to spend time with her children and beautiful granddaughter, Violet.
Denise Davis, President Elect
Denise Davis is co-owner of Davis and Memmo Financial Group and Financial Services Professional for New York Life Insurance Company. She provides insurance and investment services to business owners and professionals who seek guidance in planning for their financial future. She provides an integrated approach to allow her clients the protection and flexibility to live the way they want to live.
Chelsea Carter, Treasurer
Chelsea is currently a partner at Morgenstern Waxman Ellershaw. She graduated with a Bachelor’s degree in Accounting from Rowan University in 2004 and received her Pennsylvania CPA Certification in 2010. She is a member of the American Institute of Certified Public Accountants and the Pennsylvania Institute of Certified Public Accountants.
Chelsea has been with MWE since 2004. She has handled a variety of business tax and accounting matters for clients in real estate, professional services, manufacturing, retail and wholesale, and foreign entities. Her expertise is in these areas, as well as serving small business owners, entrepreneurs, and high net worth individuals with personal tax matters.
In addition to her work with MWE, Chelsea has been a member of the Board of Trustees of Oaks Integrated Care, a not-for-profit organization in South Jersey, since 2012. She was elected Co-Secretary/Treasurer of the Board in January, 2014. Chelsea has also been an active board member of Military Assistance Project, located in Philadelphia, since June, 2015.
Chelsea lives in South Philadelphia where she purchased her first home in 2014. She spends her free time with her family and her twin nephews in the suburbs, her friends in Philadelphia, running and traveling.
Karoline Moxham, Secretary
Karoline joined WSFS Bank in 2019 as a Vice President and Commercial Lender for one of the southern New Jersey based teams. Previously, Karoline worked at several other financial institutions in commercial lending; prior to that she spent several years working in asset-based lending. Karoline has over 25 years of experience in the financial services industry.
Karoline earned a bachelor’s in science from St. John’s University in finance. She also did graduate work in international business at Baruch College, part of the City University of New York.
Karoline is on the board of the American Heart Association’s southern and central New Jersey chapter. She is also a current board member of NAWBO – SJ.
She currently resides in Medford with her husband, Doug and their two sons.
Liz Bechtel, Co-Director of Membership
Liz Bechtel is the founder of Bechtel CPA, The Accountant for Women Entrepreneurs. She works with women owned businesses to help them drive their business forward and achieve their desired lifestyles. She’s passionate about working directly with business owners to help them understand the financial status of their company and to lower their taxes. Liz has over 10 years of experience in tax, accounting, and consulting, working primarily with service-based businesses and contractors.
She’s a proud alumnus of Rowan University, where she earned her Bachelor’s degree in Accounting and Master’s degree in Business Administration. Liz is licensed as a CPA in NJ and PA. She was also awarded the SNJBP’s 40 under 40 award in 2017.
Liz is a wife, mom of 2 boys and a bulldog. When she’s not spending time with family and friends, she enjoys volunteering and reading a book on the beach.
Megan Knowlton Balne, Co-Director of Membership
Megan Knowlton Balne, a partner with the firm, concentrates her practice in the areas of employment, counseling and commercial litigation. Known to be a very hard-working and meticulous attorney, Megan is also described as highly intelligent, enthusiastic and compassionate. Her “go-getter” and “can do” attitude is especially appreciated by her clients.
Dana Romano, Co-Director of Events
A professional photographer for the past 19 years, Dana Romano is the owner of Dana Romano Photography, a full-service photography studio in Southern New Jersey offering contemporary corporate headshots and business images, corporate and social event coverage, and natural-looking family portraits. Her philosophy is simple: “I’m convinced that with the right skills, the right vision, and the right tools, anyone can have amazing images.” Through her exclusive design and planning process, Dana and her team work with every business client to create images that separate them from the competition. Whether its for corporate branding images, a large event, or a family portrait, her goal is to images that grab people’s attention and make her clients look amazing.
Among Dana’s clients are Morgan Stanley, Parker McCay Attorneys, The Bloom Organization, UBS Financial, Berkshire Hathaway, Ancero Corporation, and Magellan Behavioral Health, as well as hundreds of satisfied families.
Maria Veglia, Co-Director of Events
Maria is an accomplished executive with demonstrated ability to manage cutting edge technological initiatives. She is an expert in operations management, budgeting, and team performance measurement and adept at recruiting and mentoring talent and motivating cross-functional teams.
Maria is a strong leader managing projects from inception to completion. She expertly assesses needs and estimates timelines with precision to ensure successful execution of the project plan.
Through her extensive experience in addressing groups, whether in the front of the classroom, boardroom or auditorium, Maria is a dynamic and motivating public speaker. She has many years of experience in curriculum design and development and works with clients to construct training programs appropriate to the needs of the organization.
Skillful at assessing workplace culture, Maria fosters an environment of respect, creativity and collaboration. She is passionate about providing an environment rich with opportunity for all. She believes improving the work culture and providing opportunity leads to employee engagement and satisfaction which, in turn, drives company success.
Maria is adept at identifying resources and developing strategic plans with benchmarks and consistency in achieving organizational goals. She is well-versed in upgrading to the most innovative technological programs while ensuring seamless transitions.
Audrey Wiggins, Co-Director of Public Relations & Marketing
Audrey Wiggins is the owner of On the Town Food Tours LLC, a walking food tour company that provides people with fun and delicious experiences. Her passion is to help people explore the diversity of food and discover neighborhood culture and history. Since officially launching in 2015, the company has expanded into three New Jersey counties.
With 20 years of food industry experience, Audrey has held marketing management positions in consumer package goods and the flavor industry. She was responsible for business strategy, portfolio management, project management and market analysis. In addition, she has tracked food and flavor trends for leading manufacturers. In her current position, Audrey is responsible for marketing research for startups and existing food companies.
Audrey holds a MBA, with a concentration in Marketing from LaSalle University and BA in Social Science from Rutgers University. Her desire to become a successful entrepreneur has led her to join the National Association of Women Business Owners. She is also a member of the Burlington County Regional Chamber of Commerce and the Burlington & Mercer County Chamber of Commerce.
Audrey resides in Burlington County with her husband and has a son who lives in Florida.
Tiffany Donio, Co-Director of Advocacy
Tiffany Donio counsels emerging and established businesses and their principals on the corporate and tax issues they encounter through every stage of their business life cycle, including with respect to entity formation, mergers and acquisitions, divestitures, restructurings, securities offerings, joint ventures, corporate governance, and commercial transactions.
In her tax practice, Tiffany provides planning and compliance advice on a wide variety of federal, state and local tax issues involving income, franchise, sales and use, gross receipts and other miscellaneous taxes. In addition, she has represented clients during federal, state and local tax controversies at the audit, administrative and judicial levels.
Tiffany represents clients in a wide range of industries including, food and agriculture, healthcare, real estate, restaurant and beverage, retail, software and technology, petroleum, energy and utilities, cannabis, construction and engineering, media, internet and advertising, manufacturing, and software and technology.
Sarah Cohen, Co-Director of Advocacy
Sarah is a member of Lauletta Birnbaum, LLC, a boutique law firm specifically designed, built and operated to meet the demands of modern business. Sarah focuses her practice on business litigation. She has guided corporations, start-ups and individuals through every stage of litigation, from performing pre-suit evaluations, initiating suits, and aggressively pursuing discovery, to summary judgment, mediation, and trial on the merits. Her experience includes complex disputes involving minority shareholder and member oppression, breach of contract, fraud, and employment issues.
Sarah is a proud alumnus of Dickinson College and Rutgers University School of Law-Camden. Sarah resides in Philadelphia with her husband and son.
June Sernak, Co-Director of Diversity & Inclusion
June is the Dean of Life Long Learning at Rowan College at Burlington County. June has worked in corporate telecommunications for 25 years with MCI and Sprint in sales and marketing and most recently was the Executive Director for the American Red Cross. Dedicated to non-profit missions, she served on the Board of Director’s for ArtReach for 15 years as well as working on various events committees with NPO’s such as
Image & Attitude and Habitat for Humanity. She currently serves as an Honorary Commander for the Joint Base- McGuire-Dix-Lakehurst. June current is a member of BCMAC (Burlington County Military Affairs Committee) and Secretary for the 200 Club of Burlington County.
June was voted SJ Biz Woman of the Year 2016, SJ Biz Magazine Executive of the Year, NAWBO Community Advocate of the Year, SNJBP Magazine Women Executive of the Year, SJ Biz Women to Watch and featured in South Jersey Magazine’s Exceptional Women Entrepreneurs & Executives.
June studied Marketing at Montclair State College and has an MBA in Management from Strayer University. She is an adjunct professor for Rowan College at Burlington County College. She is a life long resident of Burlington County and currently resides in Delanco, NJ with her husband, Mike and daughter, Alyssa.
Sandi Rapp, Co-Director of Diversity & Inclusion
Highly Engaged, Accountable, Consumer Services CEO. As an experienced, proven executive leader, Sandi is known for driving strong executive teams and board relationships while creating a work culture where employees are passionate, engaged, and appreciated.
She drives mutual respect and trust through improved flow of information; accurate, timely dissemination of key metrics; ongoing advocacy for the company’s vision, mission, and core values; and ability to achieve buy-in on key initiatives to move the company forward.
Sandi’s ability to achieve growth is aided by her commitment to hiring good people and developing high-performing teams with an ingrained sense of passion and loyalty for the organization’s product and mission.
You can’t solve a problem until you understand it. You can’t understand it if you don’t listen. Sandi’s goal is to gain a holistic view of an issue by delving deep and asking succinct questions to gain key insight; then applying the gained knowledge to guide collaboration and realize quantifiable solutions.
Sandi’s strengths in managing P&L, budgeting, forecasting, cash flow, ROI analysis, investor relations, and banking relationships maximizes top- and bottom-line revenues and generates economic impact within simple and complex environments. She optimizes operations through constant evaluation for efficiency, quality assurance, cost controls, resource allocation, and compliance as well as by seeking opportunities for innovation in continuous improvement, risk management, and change.
Sandi is excited by a great product or service, and even more excited by driving teams to solve problems that make the product even better. When a team is driven to discover a better methodology, new opportunities for sustainable growth are realized.
Kate Dohn, Co-Director of Corporate Sponsorship
Kate defends individuals and management in all employment related matters, including claims of discrimination, harassment, hostile work environment and whistle blowing claims in the state and federal courts. Kate’s clients consist of both public and private entities – from small, closely-held private companies to large public employers. As part of her practice, Kate has provided employee and management training on discrimination in the workplace, sexual harassment, workplace violence and bullying in the workforce. As part of her practice, Kate also conducts workplace investigations into complaints of harassment and/or discrimination.
Before joining Brown & Connery, Kate gained extensive experience in the courtroom as an Assistant Prosecutor in Burlington and Camden Counties where she handled cases from inception through trial and argued matters before the Appellate Division.
Sharon Dunkel,Co-Director of Corporate Sponsorship
Payday Payroll Resources is a payroll consultant firm consulting for PayDay Payroll Resources consulting for small to mid-size companies on payroll and human resources applications.
Having spent over 35 years running payroll companies for ADP and Paychex, Inc in the Tri-state area.
I work to improve companies needs for their growing business and keep them up to date on federal and State laws as well for their companies.
I am active member of SJ Board of NAWBO since 4/2015 as well as active in other community organisations.