Paul Cella

ChFC, CLU - Managing Principal & Founder

Paul Cella, the Managing Principal of The KeyArx Group, has over 30 years of experience in the insurance world. Paul specializes in providing insurance and financial advice to physicians, professionals, business owners and high net worth individuals.

Paul entered the financial planning field in 1989 as an affiliate of Northwestern Mutual, one of the largest and most admired insurance/ investment firms in the industry. Over the next 19 years, It was during this time that Paul became acutely aware of the unique needs of sophisticated clients. Fueled by his desire to deliver a comprehensive array of advanced products, services and financial strategies to this exceptional group, Paul used his vision and creativity to launch The KeyArx Group in 2006.

In founding the KeyArx Group, Paul has been able to bring to the marketplace that which he envisioned, a unique process which brings together an in-house team of highly educated and talented financial and professionals with a vast array of experts from a diverse range of disciplines. The KeyArx Group team includes; an interdisciplinary group of actuarial, family office, tax & estate attorneys, CPA, advanced planning and consulting experts. Paul has engineered a highly sophisticated platform allowing him to deliver high-quality, cost-efficient integrated wealth management strategies to his clients.

Paul's practice has evolved into designing specialty products and structures benefiting clients and financial advisors around the country. Specific emphasis has been directed to the development of cutting-edge disability products for the medical and affiliated professions. Paul’s expertise and national reputation in this arena has resulted in appearances as a key-note speaker throughout the United States at industry functions, continuing education events and seminars.

Stephen N. Cella


Stephen Cella joined KeyArx in 2012 as the President / Director of Business Development and sits on The KeyArx Group’s Executive Committee. As an entrepreneur, operator, financier and consultant, Steve has a wide range of knowledge in successfully growing businesses in order to reach their full potential.

Stephen has over twenty years of experience in brokerage, investment banking, trading and retail sales management. As a branch manager and then regional branch manager, Stephen supervised and managed over 100 reps in Red Bank, New Jersey and Chicago, Illinois. Stephen was later promoted to Intuitional Sales where he focused his efforts on private and public equity funding with both domestic and international institutions. Stephen has raised over $60,000,000 in capital and debt financing for small to midsize companies, allowing them to maximize their profit potential.


Stephen started his career in 1984, when he joined E.F. Hutton in its retail sales department. He progressed into a senior managerial role at both First Montauk Securities and H.J. Meyers & Co. From there, Stephen took a position as the Managing Director of Institutional Sales at M.H. Meyerson & Co from 1998 to September 11, 2001. Stephen is the proud parent of two sons, Max graduated from Arizona State University and Nicholas graduated from Rensselaer Polytechnic Institute (RPI).

Susanne Ustaris-Lush

Director of Insurance Operations

Susanne is responsible for all aspects of the underwriting process for Life, Disability (Individual and Group) and Long-Term Care Insurance. In this capacity, she evaluates sub-standard risks and acts as liaison between the producers/wholesalers and various underwriting companies and administrators. She regularly interacts with the client, particularly in the fact-finding and initial policy implementation phases. In addition, she discusses appropriate plan designs with the producer and prepares the final product for presentation purposes.


Susanne also performs in-force policy research and analysis with the goal of providing, not only continuing client service and contact, but also assuring that the customer’s insurance portfolios are reflective of current market-place benefits and conditions.

Dave Wolven

Director of Business Development

Dave has more than 20 years of experience in the finance services industry and is committed to utilizing his industry knowledge to provide a superior level of service, support and insight to KeyArx clients. His primary goal is to ensure that your benefit plan and its participants’ success is achieved through the discussion, creation and execution of education and communication strategies. Prior to joining KeyArx, Dave spent 9 years with ADP and has held roles in Retirement Sales and Retirement Education. Dave provided education/enrollment services for several hundred ADP clients speaking to nearly 15,000 employees a year on the importance of saving for their future goals. Prior to ADP, Dave worked at various investment firms such as Gibraltar Securities (now RBC Dain Raucher), VFinance Investments and Schonfeld Group. Dave holds the designation of Accredited Retirement Plan Consultant (ARPC).

Anthony Libecci

Director of Ancillary Benefits

Anthony Libecci has a passion for assisting clients in and through the mountain ranges of Employee Benefits. In 2020, he launched a new company called BENEMONT - a worksite benefits brokerage - to better address and customize corporate packages for companies in the continental US. The areas he specializes in are Pricing, Policy Design and Implementation.


After being recognized as the number #1 Aflac broker for three consecutive years (2018, 2019, and 2020), he uncovered many ways for companies to optimize their Employees Benefits packages through Worksite Benefits while continuing to keep their carrier  holders intact. For the last 13 years, Mr. Libecci has exhibited an innate ability to  connect deeply with clients through educating and implementing great worksite benefit plans. 


Anthony lives in Holmdel, N.J. with his wife Lauren, and their children: Anthony Jr. (6 yr. old), Leo (4), Amelia (1), along with their newest addition, a dog named Corona (at 1 year of age). 

Dustin Beekman

Director of Executive Benefits 

Dustin is the Director of Executive Benefits and he brings to the KeyArx team a vast experience that spans a 20-year insurance career. He began his career with Mass Mutual Financial Group helping clients to find the best solutions to meet their insurance needs and financial goals. Over the past 10+ years Dustin has worked in a variety of capacities for a state-based Healthcare Association, where he has developed and offered unique solutions to best meet the needs of the physician community. Through his role Dustin has formed a strong partnership with a Lloyd’s of London coverholder that specializes in offering highly customized insurance solutions to the high income “C Suite” executive market and physicians that have incomes of $2 million+. 


Dustin has a deep understanding of the excess accident & sickness market which includes high-limit disability (HLDI) insurance, as well as buy-sell, key-man and business overhead disability expense coverages.

Education & Licenses

Chartered Financial Consultant (ChFC)

Chartered Life Underwriter (CLU)

Widener University 1986, BS Management, MIS Minor

National Speaker at various industry groups (Ash Brokerage, EPG, Hilton Institute for Business)


Nationwide 401k Advisory Board Member


Insurance: * DE, MD, NH, LA, MI, CO, KS, NJ, NY, PA, TX, CA, SC, NC, IL, FL, OH, VA, WV, GA, MI 


General Agent: Sun Life, MGIS, Hartford, Unum, Lincoln, Principal, Standard and Lloyd’s of London

Partner of the Hilton Institute for Business

David Hambright

Director of Property and Casualty

David first began his healthcare industry focused career in 1983 working for a direct sale medical malpractice carrier in Miami, FL that insured 5,000+ physicians just in Florida. From 1983 through the present, David has worked as a broker representing healthcare providers and served as Director of Business Development for medical professional liability carriers insuring physicians and hospitals. He is currently licensed in 20 states.

David has a BS and MBA from Indiana State University.

Cheryl C. Manzo

Marketing & Creative Director

Cheryl C. Manzo joined KeyArx in 2019 as the Marketing and Creative Director. After graduating from FIT in NYC, her creative career started as a graphic designer in 1996 at National Discount Brokers where she spearheaded the development of the Marketing Department for the Wall Street Firm. After a decade with NDB, during which time was one of only four discount brokers to receive a four-star rating in Barron's annual online brokers survey, Cheryl partnered with JayDee Printing in NJ to start Image Zone Corporation. There she worked with many large and small companies overseeing integrated campaigns across TV, print, and digital media, as well as personally handling re-branding efforts for large scale corporate identity systems. Then, as the Art Director of Activu Corporation, Cheryl managed the redesign of, supervised trade shows and marketing plans and was the creative force behind the sales team’s winning presentations.