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Luddy DePasquale & David Fazendeiro
Clear Focus Financial

Tel: (732) 286-1919
250 Washington Street Suite C1C
Toms River, NJ 08753
1249 Route 22 East
Mountainside, NJ 07092

Helping Clients FOCUS on What Matters Most!

Clear Focus Financial | Financial Advisor in Mountainside ,NJ

About Clear Focus Financial

At ClearFocus, we believe the current times require a new and higher level of financial planning. We focus on the individual first and the numbers second. The fluid nature of today's economic climate requires constant vigilance and a higher level of understanding of individual needs in order to make the decisions necessary to help our clients to reach their financial goals.

Financial decision making, be it saving, spending, investing, or insuring is complicated and difficult on your own. There is no shortage of opinions and products being offered as the "best kept secret or magic bullet" for financial success.

The old approach of a one-time, off the rack product and solution just won't do. The retail financial planning and investment management industry has simply become a crowded market place of salesman and products, that does not lend itself to clear and prudent decision making. Individuals and business owners are forced to diagnose their difficulties and prescribe solutions based on limited information and sales pitches. It is critical for financial success that individuals and business owners make informed decisions that are based on their specific plan and not sales pressure.


General Information

Firm Start Year:   2008
No.of Employees:   5-9
Name of Broker/Dealer:   The Investment Center
Name of Custodial Firm:   Pershing, LLC
I work with the following types of clients:   Individual Investors, Businesses, Non-Profit Organizations, Investment Clubs


Services

Investment Types:   Bonds, Mutual Funds, Alternative Investments, Mortgages & Real Estate, Stocks, Insurance, Annuities
I can meet clients in the following ways:   Video Conference, At my office, At your home, At your office, Via phone, Via email


Qualifications & Memberships

Insurance and Annuity Licenses:   Life, Variable Annuity, Variable Life, Annuity


Firm Information

Firm's Number of Clients:   510
Assets Managed by Firm:   $129,646,643.00
Advisor's Number of Clients:   510
Assets Managed by Advisor:   $129,646,643.00


Compliance

Registered Representative:   Yes
Investment Advisor Representative:   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



Faqs

  • What services do you offer? FINANCIAL PLANNING " Individualized Financial Plans " Budgeting Guidance " Monthly Cash Flows " S.S. Maximization & Timing " Healthcare Planning RETIREMENT PLANNING " Income Planning " Individualized Income Strategies " Withdrawal Order Planning " RMD Management " Asset Location Strategies INVESTMENT MANAGEMENT " Investment Selection " Risk Tolerance Analysis " Guaranteed income solutions " Strategic + Active Asset Allocation EDUCATION & COLLEGE PLANNING " Aid Maximization Strategies " Career, Major and College Alignment " Funding Strategies " Financial Aid analysis INSURANCE & RISK MITIGATION " Life Insurance Planning " Home & Auto Insurance " Disability + Long Term Care Planning " Understand your Family Needs ESTATE PLANNING " Beneficiary Planning " Wills, and Legal Document Education " Gifting Strategies " Asset Protection + Distribution Strategies DEBT FINANCING & MANAGEMENT " Mortgages and Purchases " Navigate and Evaluate Debt Options " Understand the Factors that Impact the Co
  • How many clients do you currently manage? 510
  • Will you be the only person working with me? We service every client as an team and each client will have communication with both advisors of Clear Focus.
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Disclosures


Disclaimer

All Securities Offered Through The Investment Center, Inc. Bedminster, NJ, Member FINRA/SIPC. Advisory Services Provided Through IC Advisory Services, Inc. - An SEC Registered Investment Advisor. Ludwig DePasquale and David Fazendeiro are Registered Representatives of The Investment Center, Inc. Other insurance products are offered through ClearFocus, LLC. Clear Focus LLC is not affiliated with The Investment Center, Inc. or IC Advisory Services, Inc. Important disclosure information

Luddy DePasquale & David Fazendeiro

Luddy DePasquale & David Fazendeiro

At ClearFocus, we are committed to maintaining the highest standards of integrity in our relationship with you, our client.

We act in your best interest, as a true fiduciary, because we begin our planning process by understanding your situation and your financial goals. As a result, the information, services, and products we provide are always based on your specific needs and circumstances.

Our fiduciary standard also helps to insure you of constant vigilance over your financial plan. In response to the fluid nature of today's economic climate, informed decisions, based sound academic data along with economic principles are routinely recommended to help you reach your financial goals.

As trusted stewards of your wealth, we take pride in our role as partners with you on your journey.

My Team

I have been an advisor for the past 13 years ,starting my career with Merrill Lynch and five years ago joined the Independent Network with The Investment Center. I affiliated with Clear Focus Financial over a year ago and currently operate out of the Toms River office located at 250 Washington Street in downtown Toms River.

David Fazendeiro, a Union County native, graduated from Kean University and achieved much success in the title insurance industry before moving to retail financial services. Knowing how important it is to always act in the client's best interest, David began his financial services career as a compliance analyst for a well-known broker dealer. He eventually became a full compliance officer where he worked closely with financial advisors and reported directly to the Chief Compliance Officer of th ...more

Jackie was born and raised not far from here in Bergen County, NJ. She received her degree in Criminal Justice from Rowan University and proceeded to gain experience in the insurance and financial services fields. After many years in the corporate world, she decided to pursue an entrepreneurial dream of hers and opened a retail establishment in the heart of downtown Westfield that she owned and operated with her sister for 5 years. After taking a short break to begin raising her family, she now ...more

Lynda Forese
Lynda Forese Practice Manager
Lynda Forese has been a Union county resident for over 25 years. She received her MBA from Rutgers University and had achieved much success in the consumer electronics industry before moving into retail banking and financial services. Most recently holding the position of Sr. Premier Relationship Officer with a major international bank, Lynda's role involved working closely with clients and financial advisors to provide customer service and support. Lynda has multiple licenses in securities an ...more

Office Hours

wiseradvisor-balck-li-img Mon. 8:00 AM - 8:00 PM
wiseradvisor-balck-li-img Tue. 8:00 AM - 8:00 PM
wiseradvisor-balck-li-img Wed. 8:00 AM - 8:00 PM
wiseradvisor-balck-li-img Thu. 8:00 AM - 8:00 PM
wiseradvisor-balck-li-img Fri. 8:00 AM - 8:00 PM
wiseradvisor-balck-li-img Sat. 8:00 AM - 8:00 PM

Communities Served

Not Provided

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