OUR VISION
We aspire to earn the trust of all of our clients and to be a company that provides them with a steady flow of knowledge, advice, and services. By earning trust, we build growth.
Our vision gives context and meaning to our work. It gives us direction. It is the collective spirit we build as a team. By earning trust, we develop the human connectivity and mutual confidence that generates strong, long-term relationships.
We are creating a unique way of working at Black River.
Our winning attitude drives our Leadership Behaviors. Our Leadership Behaviors and Operating Principles help us shape our culture. Each one of us has a direct impact on the good things we do for our clients. We strive to build long-term, high-performance relationships.
OUR MISSION
Everything we do is guided by a set of principles and rules that define our character and culture; putting our clients' interests first has been at our forefront since our inception. Above all, we have made it our highest priority to serve the needs of our investors with guiding principles of Accountability, Integrity, Teamwork, and accepting nothing less than Excellence. This commitment is reflected through our professionalism and our passion for excellence. Our values lead us to operate with prudence, financial discipline, long-term perspective, and valuing trust as something we must earn every day.
General Information |
| Firm Start Year: | 2003 | |
| No.of Employees: | 10-19 | |
| Gender: | Male |
| Name of Broker/Dealer: | Newbridge Securities Corporation |
| Name of Custodial Firm: | AXOS Clearing |
| States Licensed in: | NY; NJ; CA; MD; VA; CO; MD; FL; TX; PA |
| Number of Years with Current Firm: | 8 |
| Work Experience: | Mr. Craffey has worked in the financial sector for over twenty-plus years. He has worked with individuals across all income streams and continues to offer unparalleled service to all, regardless of portfolio size. Utilizing the same values and beliefs he learned and instilled into those men and women he led in combat overseas, Mr. Craffey will ensure all due care when structuring any portfolio and communicating the pros and cons, as a fiduciary working only for the best needs of his clients. Mr. Craffey has advised multi-national corporations to include those listed on the NYSE, DOW, NASDAQ. Mr. Craffey has also consulted and advised sovereign nations, assisted in the budgetary overall of entire nations, and continues to be a thought leader in the strategic development of financial, generational, and risk-management portfolios. |
| I work with the following types of clients: | Investment Clubs, Non-Profit Organizations, Individual Investors, Businesses |
| Foreign Languages Serviced: | English |
| Advisory Services Provided: | Legal Advice and Services, Tax Advice and Services, Financial Planning for Businesses, Financial Planning for Individuals, Education Funding and Planning, Risk Management, Wealth Management, 401K Rollovers, Retirement Planning, Portfolio Management, Financial Planning, Insurance Products & Annuities, Estate Planning & Trusts, Investment Advice & Management, Financial Advice & Consulting, Money Management |
Services |
| Investment Types: | Mutual Funds, FOREX & Currency, Alternative Investments, Exchange Traded Funds (ETFs), Insurance, Options & Futures, Bonds, Stocks, Annuities, Mortgages & Real Estate, Socially Responsible Investments (SRI) |
| I can meet clients in the following ways: | Via Phone, At my office, At your home, At your office, Video Conference, Via Email |
Qualifications & Memberships |
| Insurance and Annuity Licenses: | Disability, Accident, Annuity, Health, Life, HMO, Variable Annuity, Long Term Care, Variable Life |
Firm Information |
| Firm's Number of Clients: | 980 |
| Firm's Number of Planning Clients: | 624 |
| Firm's Number of Managed Clients: | 531 |
| Assets Managed by Firm: | 382,157,000 |
| Advisor's Number of Clients: | 84 |
| Advisor's Number of Managed Clients: | 79 |
| Advisor's Number of Planning Clients: | 84 |
| Assets Managed by Advisor: | $69,000,000 |
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 and Fees |
| Fee Structure: | Fee-Based |
| Minimum Portfolio Size for New Managed Accounts: | 100,000 |
| Compensation Methods: | Based on Assets, Hourly, Flat Fee, Commissions |
| Fee % Based on Assets: | 2 |
| Hourly Rate: | $500 |
| Additional Details on Charges: |
Flat Fee: $6,000 The initial consultation will determine which service is most appropriate for a client. |
| Minimum Fee Charged for Managed Accounts: | 1.5 |
| Minimum Fee Charged for Hourly Planning Accounts: | $500 |
| Masters in Business Administration |
Rutgers Business Scool - Newark, NJ
09/2014-05/2016 |
| Bachelors of Science - Finance |
St. John's University - NY, NY
09/2000-08/2005 |
| Doctorate in Business Administration - FInance |
CUNY Baruch, Zicklin School of Business - New York, NY
09/2016-12/17/2021 |
Securities offered through Newbridge Securities Corp. Member FINRA/SIPC. Investment advisory services offered through Newbridge Financial Services Group Inc., an SEC Registered Investment Advisor. This website should not be deemed as an offer or solicitation in states where the Registered Representative(s)/or Investment Advisor Representative is not registered to provide services. This is not an offer to purchase or sell securities. Such an offer can only be made after carefully reviewing the prospectus or offering materials and a thorough suitability evaluation. No orders may be taken or accepted from any representative not registered in the state. The information provided in the links and tools are provided as a courtesy and are for informational purposes only. When you link to any of the websites, you are leaving this site and are doing so at your own risk. The content to which you link has not been reviewed by Newbridge Securities Corp. and does not warrant or make any representations regarding the use of the results of the materials in those sites in terms of their correctness, accuracy, or reliability. Black River Wealth Management Ltd. is not affiliated with NSC of NFSG. Your financial advisor is not a tax expert, Newbridge Securities Corporation and Newbridge Financial Services Group, Inc. does not provide tax advice. You are advised to consult your tax specialist, attorney, and/or CPA regarding tax matters and the impact of your investment results on your particular tax situation.
Empathy. Integrity. Honor. Duty. Professionalism. Trust. Mr. Carz (Caz) Levinski Craffey adheres to these values and ideals and much more as he continues to serve in the United States Army (Reserve Component), as a military officer. Mr. Craffey has been in the financial industry for twenty years helping individuals of all income levels, ranging from sub 100k wage-earners to Ultra High Net-Worth clientele.
The value of ensuring every consult, planning, and deal done, is done with utmost LDRSHIP.
LDRSHIP is the Army acronym for the seven basic and core values Loyalty, Duty, Respect, Selfless Service, Honor, Integrity, and Personal Courage. LDRSHIP is what Mr. Craffey continues and strives to do with every client, large or small, ensuring unparalleled client satisfaction, due care, due diligence, empathy, Mr. Craffy is a proud husband, father, son, brother, uncle, cousin, and Soldier.
Caz is licensed as an insurance consultant with his resident license, being in New Jersey. Caz also holds numerous certifications and excelling in his empathy when dealing with all clients. He understands the PERSON just as much as he understands their PORTFOLIO. That's what makes his approach and his success incomparable to his peers.
Caz has an MBA from Rutgers Business School, Bachelors in Finance from St. John's University (Queen's campus), certifications in ChFM ® (Chartered Financial Manager), CWM® (Certified Wealth Manager), AMC ® (Accredited Management Consultant), CTEP® (Certified Trust and Estate Planner), CGRC" (Certified Governance & Risk Consultant), and AFA® (Accredited Financial Analyst). Lastly, as part of making his clients' lives as easy as possible, Caz is also a Commissioned Notary Public of the State of New Jersey, ID# 50144570.
Financial Planning for Businesses |
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- Assess the business environment - Confirm the business vision and objectives - Identify the types of resources needed to achieve these objectives - Quantify the amount of resource (labor, equipment, materials) - Calculate the total cost of each type of resource - Summarize the costs to create a budget - Identify any risks and issues with the budget set. |
Financial Advice & Consulting |
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- Meet personally with clients to assess their financial situation to present a financial plan that includes both short- and long-term financial goals. - Help clients with financial planning decisions for retirement, education, day-to-day expenses, and investments. - Meet regularly with clients to assess how life changes such as marriage, job change, or the birth of a child will affect the client's financial portfolio. |
Financial Planning for Individuals |
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Elements should be addressed: - Retirement strategy: No matter what your priorities are, the plan should include a strategy for accumulating the retirement income you need. - Comprehensive risk management plan: That includes a review of life and disability insurance, personal liability coverage, property and casualty coverage, and catastrophic coverage. - Long-term investment plan: A customized plan based on specific investment objectives and a personal risk tolerance profile. - Tax reduction strategy: A strategy for minimizing taxes on personal income to the extent allowed by the tax code. - Estate plan: Arrangements for the benefit and protection of your heirs. |
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Mon. | 8:00 AM - 6:30 PM |
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Tue. | 8:00 AM - 6:30 PM |
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Wed. | 8:00 AM - 6:30 PM |
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Thu. | 8:00 AM - 6:30 PM |
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Fri. | 8:00 AM - 6:30 PM |
| NATIONAL AND INTERNATIONAL MARKETS |
| Check | Money Order |
| Bank Transfer | Visa |
| MasterCard | American Express |
| Discover | PayPal |
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