Business Description

As you near retirement, it is especially important to make the right financial decisions. We help you make smart financial decisions by following, and teaching you, the five proven guidelines to creating lasting wealth and investment income. To have ongoing financial success throughout retirement, you must understand:
1) The dangers of active money management. Although alluring, no academic studies support the success of active management. This can be a sure fire way to erode your wealth.
2) The 5 rules you must follow when taking withdrawals from investment accounts. These rules allow you to monitor and make adjustments along the way so you never run the risk of spending too much.
3) Why you don’t want to buy annuities unless you fit a select and narrow set of criteria.
4) The biggest mistakes upcoming retirees make with their money.
5) Insurance needs change later in life; the questions you need to ask to determine what types and amounts of insurance you really need.
Email us and we will be glad to send you a free report, “5 Proven Guidelines to Creating Lasting Wealth and Investment Income.”

General Information

Gender:

Male

CRD#:

2680280

SEC File#:

67190

States Licensed in:

Years of Experience in Financial Services:

Number of Years with Current Firm:

I work with the following types of clients:

Businesses, Individual Investors

Education

Academic Background

You want to hire an advisor that keeps up on the latest research that is relevant to your situation. I have focused my continuing education courses on financial issues pertinent to business owners, executives and high net worth families.

I have a BS and MBA in Finance from Seton Hall University (1995).

Services

Investment Types:

Stocks, International Investments, Bonds, Exchange Traded Funds (ETFs), Alternative Investments, Mutual Funds, Socially Responsible Investments (SRI)

Qualifications & Memberships

Certifications, Accreditations & Designations:

CERTIFIED FINANCIAL PLANNER™ Certificant

Securities Licenses:

Series 65

Financial Organization Memberships:

National Association of Insurance and Financial Advisors (NAIFA), Financial Planning Association (FPA)

Firm Information

Number of Advisors in Office:

Up to 10 employees

I work with clients as part of a team:

Yes

Firm's Number of Clients:

120

Firm's Number of Planning Clients:

100

Firm's Number of Managed Clients:

120

Assets Managed by Firm:

Yes

Compliance

Registered Investment Advisor:

Yes

Registered Representative:

Yes

Investment Advisor Representative:

Yes

I am an acknowledged fiduciary:

Yes

Compliance Disclosures in Last 5 years:

I have a clean record

Criminal Disclosures in Last 5 years:

I have a clean record

Compensation & Fees

I am a fee-only financial professional:

Yes

Minimum Portfolio Size for New Managed Accounts:

$400,000

Compensation Methods:

Based on Assets, Flat Fee

Fee % Based on Assets:

Additional Details on Charges:

We work on a fee-only basis. This is our only method of compensation and it is the same way you compensate other professionals you depend on for specialized knowledge and services, for example your doctor, CPA or attorney. Paying your advisor a fee eliminates several potential conflicts of interest because our advice is not impacted by the interests of third parties. We do not receive compensation from any third party such as brokerage firms, investment companies, or insurance companies.

Minimum Fee Charged for Managed Accounts:

$3,000.00

Minimum Fee Charged for Flat Fee Accounts:

$6,000.00

Prepared By:

David Rosenthal, CFP®