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Andrew Gentile, CFP®, CLF, ChFC®, CLU®, CLTC®, CDFA®, AIF®
Novem Group

Tel: 561-623-5492
601 Heritage Drive
Suite 225
Jupiter, FL 33458
Novem Group | Financial Advisor in Jupiter ,FL

Dedicated to achieving what's most important to you.


About Andrew Gentile

Andy has an extensive background in the financial services industry. He began his career with American Express Financial Advisors in 1983, and worked with them until joining Prudential Financial in 1998. Andy then founded his independent practice, Ascend Wealth Management, LLC. in 2009 with the belief that an objective approach is more beneficial for his clients. To better serve hi Florida clients, Andy joined Novem Group in Jupiter Florida in June 2019. Andy earned a Bachelor of Arts degree in Economics from Fordham University in New York, New York. He also holds the Certified Financial Planner (CFP®) designation from the College of Financial Planning, and the Chartered Financial Consultant (ChFC), Chartered Life Underwriter (CLU), and Chartered Leadership Fellow (CLF) from the American College, the Certified Divorce Financial Analyst (CDFA) designation from the Institute for Divorce Financial Analysts, the Accredited Investment Fiduciary (AIF) from Fi360 along with the Certified Long-Term Care (CLTC) designation. He holds the Series 7, 24, 51, 63 and 65 licenses with FINRA and various state insurance licenses.Andy is also an active member in various industry groups as a member of the National Association of Insurance and Financial Advisors (NAIFA), the Society of Financial Services Professionals (FSP), and the Financial Planning Association (FPA). In 2004 Andy became a member of the prestigious Research Agency Group (RAGS) of the Life Insurance Marketing and Research Association (LIMRA). He is an active member of Christ Fellowship church in Palm Beach Gardens Fl and enjoys golf in his free time.


About Novem Group

At Novem Group, we work with individuals and businesses as they seek to make sound financial decisions. Our coordinated approach to holistic financial planning is unique for each individual client.

Identifying your life goals can help you make the financial decisions that will allow you to realize your dreams - for tomorrow, and well into the future. At Novem Group, our initial meeting begins with a discussion about you and your unique situation as we explore your goals & values. After clarifying your priorities, we create a customized, detailed strategy to help you be more confident about your financial future.

A comprehensive financial plan will clearly show how your goals are interrelated, and serves as a framework for organizing the pieces of your overall financial picture. Integrating your coordinated financial plan with individually tailored strategies will help guide you on your path towards financial independence. Most importantly, you'll have the peace of mind that comes from knowing that you are on track towards achieving your financial goals.

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General Information

Firm Start Year:   1994
No.of Employees:   20-49
Name of Broker/Dealer:   American Portfolios
Number of Years with Current Firm:   2
Work with the following types of clients:   Physicians (Endorsed by the American Medical Association) and Couples going thru the divorce process, Individual Investors, Businesses
Advisory Services Provided:   Financial Planning for Individuals, Financial Planning for Businesses, Tax Advice and Services, Education Funding and Planning, Risk Management, Money Management, 401K Rollovers, Retirement Planning, Portfolio Management, Financial Planning, Insurance Products & Annuities, Estate Planning & Trusts, Investment Advice & Management, Financial Advice & Consulting, Wealth Management

Services

Investment Types:   Mutual Funds, Options & Futures, Alternative Investments, Exchange Traded Funds (ETFs), Insurance, Stocks, Commodities, Annuities, Bonds, Socially Responsible Investments (SRI)
Can meet clients in the following ways:   Via Phone, Our Office, Your Home, Video Conference, Via Email, Your Office

Qualifications & Memberships

Insurance and Annuity Licenses:   Disability, Annuity, Accident, Variable Life, Health, Life, Variable Annuity, Long Term Care
Financial Organization Memberships:   Million Dollar Roundtable, Financial Planning Association (FPA), Society of Financial Services Professionals, National Association of Insurance and Financial Advisors (NAIFA), National Association of Personal Financial Advisors (NAPFA)

Compensation and Fees

Fee Structure:   Fee-Based
Compensation Methods:   Flat Fee, Based on Assets, Hourly
Additional Details on Charges:   We offer a complimentary initial consultation and will determine our fee at the conclusion of the initial meeting based on the complexity of your situation.

Board Positions

Organization :   Fellowship of Christian Athletes, Gwinnett County, Georgia
Position :   Board Member
Duration :   January 2013-Present
Organization :   CHRIS Kids , Atlanta, GA
Position :   Board Member
Duration :   January 2004-March 2009
Organization :   Foster Children Society , Duluth, GA
Position :   Board Member
Duration :   January 2007-January 2009
Organization :   Society of Financial Services Professionals, Atlanta, GA
Position :   Board Member
Duration :   January 2004-January 2006
Organization :   Princeton Alliance Church, Princeton, NJ
Position :   Board Member
Duration :   January 1995-March 2000
Organization :   Sugarloaf Gentlemen's Golf Association , Duluth, GA
Position :   Treasurer
Duration :   January 2011-Present
Organization :   Sugarloaf Homeowners Assocation, Duluth GA
Position :   Secretary/Treasurer
Duration :   1/12015-1/2017

Education

Bachelor of Arts  - Economics   Fordham University  - New York, NY
August 1979-May 1983
CERTIFIED FINANCIAL PLANNER® CFP  - CFP®   College of Financial Planning  - Denver, CO
November 1984- March 1987
Chartered Financial Consultant ChFC  - ChFC   The American College  - Bryn Mawr, PA
April 1984- October 1989
Chartered Life Underwriter CLU  - CLU   The American College  - Bryn Mawr, PA
April 1987- October 1989
Certified Divorce Financial Analyst CDFA  - Divorce Financial Planning   Institute for Divorce Financial Analysts
05-17-08-19
Accredited investment Fiduciary AIF  - Investments   FI360  - Jupiter Florida
01/2019-06/2020

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Financial Services

Retirement Planning

True financial freedom is not something that can be achieved by most people without careful planning. True financial freedom can only be achieved through your own disciplined savings and investment. The surest path to follow is to start saving early, do so consistently, and invest the savings wisely. This path allows assets to grow with time into the nest egg you will need to fund the lifestyle you desire.

Financial Advice & Consulting

We work with individuals and businesses as they seek to make sound financial decisions. Our coordinated approach to holistic financial planning is unique for each individual client. Identifying your life goals can help you make the financial decisions that will allow you to realize your dreams - for tomorrow, and well into the future. Our initial meeting begins with a discussion about you and your unique situation as we explore your goals & values. After clarifying your priorities, we create a customized, detailed strategy to help you be more confident about your financial future. A comprehensive financial plan will clearly show how your goals are interrelated, and serves as a framework for organizing the pieces of your overall financial picture. Implementing your coordinated financial plan with individually tailored strategies will help guide you on your path towards financial independence. Most importantly, you'll have the peace of mind that comes from knowing that you are on track towards achieving your financial goals.

Financial Planning for Individuals

We work with individuals and businesses as they seek to make sound financial decisions. Our coordinated approach to holistic financial planning is unique for each individual client. Identifying your life goals can help you make the financial decisions that will allow you to realize your dreams - for tomorrow, and well into the future. Our initial meeting begins with a discussion about you and your family's unique situation as we explore your goals and values. After clarifying your priorities, we create a customized, detailed strategy to help you be more confident about your financial future. A comprehensive financial plan will clearly show how your goals are interrelated, and serves as a framework for organizing the pieces of your overall financial picture. Implementing your coordinated financial plan with individually tailored strategies will help guide you on your path towards financial independence. Most importantly, you'll have the peace of mind that comes from knowing that you are on track towards achieving your financial goals.

Financial Planning for Businesses

We work with businesses to help them make sound financial decisions. We understand that every business is unique and therefore take a custom approach to planning for your business. Our initial meeting begins with a discussion about you and your goals and values. We then take time to understand your business needs and how they fit in with your personal goals. After clarifying your priorities, we create a customized, detailed strategy to help you be more confident about your business' financial future, and to ensure that your employees are planned for. A comprehensive financial plan will clearly show how your goals are interrelated, and serves as a framework for organizing the pieces of your overall financial picture. Implementing your coordinated financial plan with individually tailored strategies will help guide you on your path towards financial independence. Most importantly, you'll have the peace of mind that comes from knowing that you are on track towards achieving your financial goals.

401K Rollovers

Our individual financial planning process educates clients on the options for their 401(k) rollovers including tax ramifications, investment choices and required minimum distributions.

Insurance Planning

Financial Planning involves creating a game plan to allow you to achieve your dreams as they relate to your family's financial health, however, even the most thorough plans can get derailed by unexpected obstacles that can come up along the way. Insurance is the way that we seek to limit the financial devastation that could affect a family due to illness, disability, property loss, and death. It is important to us that our clients achieve their goals, even if the unexpected happens. Our insurance planning focuses on 3 areas: - Life Insurance - Long Term Care Insurance - Disability Insurance

Risk management

Financial Planning involves creating a game plan to allow you to achieve your dreams as they relate to your family's financial health, however, even the most thorough plans can get derailed by unexpected obstacles that can come up along the way. Insurance is the way that we seek to limit the financial devastation that could affect a family due to illness, disability, property loss, and death. It is important to us that our clients achieve their goals, even if the unexpected happens. Our insurance planning focuses on 3 areas: - Life Insurance - Long Term Care Insurance - Disability Insurance

Annuities

Annuities are complex investment products that may have a place in a clients retirement planning. Throughout comprehensive process our goal is to educate our clients on the benefits of using an annuity in their overall retirement plan if their situation warrants.

Estate Planning & Trusts

Thoughtful, detailed estate planning services protecting your assets, determining your health care directives, distributing your wealth upon your death - these and other issues are important aspects of estate planning. During thoughtful conversations with you, we ask questions and listen carefully to your ideas about inheritances and heirlooms, transferring money values to your children and grandchildren, plans for a family business, wishes for charitable giving, and avoiding estate taxes. Helpful estate planning, review and guidance, working closely with your attorney, or one that we recommend, we develop the architecture of your estate plan and shepherd you through the planning process. With extensive experience in creating estate plans, we help you understand the legal language and make sure your plan accurately reflects your wishes. With your estate plan in place, we assist you in implementing each detail and review the plan's effectiveness. When life circumstances change and your plan needs to be altered, we oversee this process too. Key Estate Planning Documents The estate planning process includes creating or reviewing five key documents to make sure that your wishes are met: - Revocable trust or irrevocable trust - Will - Durable power of attorney for financial matters - Durable power of attorney for health care - Living will During the development of these documents, we help you determine appropriate provisions, trustees, guardians, executor or executrix, agent for health care, and advance directive decisions.

Tax Advice and Services

We coordinate our planning process with your CPA to ensure you're taking advantage of every possible tax saving strategy available to you.

Education Funding and Planning

Choose effective education planning strategies With the cost of a college education rising faster than inflation, planning early and utilizing appropriate investment and savings vehicles is critical to being ready when college bills come due. Just as no two students are alike, no two parents are alike when it comes to preparing for college expenses. At Novem Group, we help you wade through the myriad of funding options to select an education planning strategy that works best for your situation. Whether you are able to develop a college funding plan early or begin the process later, we break down the benefits of each option to help simplify your decision-making. Make the right college funding choices With many education funding vehicles to choose from, selecting the right ones can be challenging. We help you weigh the advantages of: - State-administered 529 college savings plans that can offer tax-deferred growth and no income restrictions - Uniform Transfer to Minors Act (UTMA) accounts that allow parents and grandparents to transfer ownership of assets to minor children - Pre-paid state college tuition plans that freeze costs at current rates - Coverdell education savings accounts with tax-exempt earnings - U.S. savings bonds free of federal tax if spent on college expenses - Taxable investments and potential gifting of assets when college payments are due - CDs, savings accounts and short-term bonds for funds needed for college within a few years

Portfolio Management

Step One: Determine an Appropriate Asset Allocation Asset allocation, the ratio of equity investments to fixed income investments, is the single most important factor in determining the risk and return characteristics of a portfolio. Making appropriate asset allocation decisions are based on an accurate assessment of the following client-specific considerations: Individual risk tolerance/risk capacity, progress towards financial goals, time horizon, portfolio objective, investor preferences, and tax and other financial planning considerations. Step Two: Investment Selection - At Novem Group, our investment selection is based on both qualitative and quantitative factors. Step Three: Monitor, Rebalance, Reassess and Adjust - Portfolio management is an ongoing and dynamic process.

Investment Advice & Management

Step One: Determine an Appropriate Asset Allocation Asset allocation, the ratio of equity investments to fixed income investments, is the single most important factor in determining the risk and return characteristics of a portfolio. Making appropriate asset allocation decisions is based on an accurate assessment of the following client-specific considerations: â?¢ Individual risk tolerance/risk capacity â?¢ Progress towards financial goals â?¢ Time horizon â?¢ Portfolio objective â?¢ Investor preferences â?¢ Tax and other financial planning considerations Step Two: Investment Selection Our investment selection is based on both qualitative and quantitative factors. Step Three: Monitor, Rebalance, Reassess and Adjust Portfolio management is an ongoing and dynamic process.

Wealth Management

Step One: Determine an Appropriate Asset Allocation Asset allocation, the ratio of equity investments to fixed income investments, is the single most important factor in determining the risk and return characteristics of a portfolio. Making appropriate asset allocation decisions is based on an accurate assessment of the following client-specific considerations: â?¢ Individual risk tolerance/risk capacity â?¢ Progress towards financial goals â?¢ Time horizon â?¢ Portfolio objective â?¢ Investor preferences â?¢ Tax and other financial planning considerations Step Two: Investment Selection Our investment selection is based on both qualitative and quantitative factors. Step Three: Monitor, Rebalance, Reassess and Adjust Portfolio management is an ongoing and dynamic process.

Money Management

Step One: Determine an Appropriate Asset Allocation Asset allocation, the ratio of equity investments to fixed income investments, is the single most important factor in determining the risk and return characteristics of a portfolio. Making appropriate asset allocation decisions is based on an accurate assessment of the following client-specific considerations: â?¢ Individual risk tolerance/risk capacity â?¢ Progress towards financial goals â?¢ Time horizon â?¢ Portfolio objective â?¢ Investor preferences â?¢ Tax and other financial planning considerations Step Two: Investment Selection Our investment selection is based on both qualitative and quantitative factors. Step Three: Monitor, Rebalance, Reassess and Adjust Portfolio management is an ongoing and dynamic process.


Faqs

Do you have a customer satisfaction or refund policy?

Yes. If you are dissatisfied with the focus or specialty of your plan, we will make the appropriate changes to your plan, or refund part or all of the fees which have been paid.

Why should I choose you as my financial advisor?

Our trademarked process, The Financial Independence Maximizer, identifies our clients' financial priorities, clarifies their unique goals, and integrates coordinated strategies that will allow them to achieve wealth creation and preservation.

What are your qualifications? What is your education background?

I earned a BA in Economics from Fordham University in New York, NY. I also hold the CERTIFIED FINANCIAL PLANNER (CFP®) designation from the College of Financial Planning; the Chartered Financial Consultant (ChFC), Chartered Life Underwriter (CLU), and Chartered Leadership Fellow (CLF) from the American College along with the Certified Long-Term Care (CLTC) designation.

How do you charge for your services?

Novem Group is a fee based financial planning firm. We offer a complimentary initial consultation. At the conclusion of the initial meeting, we will be able to discuss the fees for our services based on the complexity of your situation.

How much risk should I be willing to take?

This question cannot be answered without first getting to know and understand you and your current financial position, as well as the goals you have set for you and your family. Risk tolerance is different for each person, and we would assess what you are comfortable with before making any recommendations.

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Disclaimer

Securities offered through American Portfolios Financial Services, Inc., Member: FINRA, SIPC. Advisory services offered through Novem Group, an SEC-Registered Investment Adviser, which is not affiliated with American Portfolios Financial Services, Inc.

    38 Years of Experience

  • CRD# 1199626
  • Series: 7, 24, 53, 63, 65

Compliance

Registered Investment Advisor:

Yes


Registered Representative:

Yes


Investment Advisor Representative:

Yes


Acknowledged fiduciary:

Yes


Compliance Disclosures in Last 5 years:

Have a clean record


Criminal Disclosures in Last 5 years:

Have a clean record


Office Hours

wiseradvisor-balck-li-img Mon. 9:00 AM - 5:00 PM
wiseradvisor-balck-li-img Tue. 9:00 AM - 5:00 PM
wiseradvisor-balck-li-img Wed. 9:00 AM - 5:00 PM
wiseradvisor-balck-li-img Thu. 9:00 AM - 5:00 PM
wiseradvisor-balck-li-img Fri. 9:00 AM - 5:00 PM

Communities Served

Hobe Sound Jensen Beach
Jupiter Lake Worth
Loxahatchee North Palm Beach
Palm Beach Palm Beach Gardens
Palm City Port Saint Lucie
Stuart West Palm Beach
Palm Beach County and Martin County.

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