Joe Maas
Synergy Financial Management, LLC

Tel: 917-951-2337

1 Blacksmith Rd
Whitehouse Station, NJ 08889

Principal

About Synergy Financial Management, LLC

Synergy Financial Management, LLC (SFM) is a financial planning and Registered Investment Advisory firm headquartered in Bellevue, WA. The firm specializes in providing fee-based comprehensive financial planning services and investment advice to individuals and businesses. Since Synergy Financial Management, LLC is a fee-based advisor; potential conflicts of interest regarding compensation are removed.

General Information

Firm Start Year:		1990
No.of Employees:		5-9
Name of Custodial Firm:		Charles Schwab, TIAA-CREF, Accessor, TD Ameritrade

States Licensed in:

All states

Number of Years with Current Firm:

Work Experience:

Synergy Financial Management, LLC PRINCIPAL/FOUNDER/CHIEF INVESTMENT OFFICER 2001-PRESENT Joe's diverse investment experience ensures the careful management of daily operations and diligent responsibility for the firm's portfolio management, strategic and tactical asset allocation, securities analysis, quantitative, fundamental, and statistical research, economic analysis, compliance, financial planning, risk management, business consulting, and financial modeling.

Synergy Financial Services, Inc PRESIDENT 1997-PRESENT Synergy Financial Services is the parent company of the Synergy family of companies: Synergy Financial Management, LLC , Synergy Business Valuation & Consulting, LLC, and Synergy Mergers + Acquisitions, LLC. Joe is responsible for all aspects of the company's diversified and integrated wealth and portfolio management service for business owners. Areas of specialty include certified business valuation, business financial planning and analysis, financial statement analysis, market analysis, user decision analysis, merger and acquisition analysis and execution, and investment analysis for commercial real estate portfolios.

Seattle Pacific University ADJUNCT FINANCE PROFESSOR Adjunct instructor for "Problems in Corporate Finance", BUS 4274. This course teaches future MBAs the myriad issues involved with real-world investment practices.

Financial Services Int'l Corporation SECURITIES BROKER DEALER PRINCIPAL 1997-2001 Owned and operated a branch office of an independent securities broker/dealer with accountability for daily operations, compliance, marketing, recruiting, and business development. Experienced and knowledgeable in every aspect of a securities broker/dealer's responsibilities including securities trading, underwriting, syndications, research, business consulting, fundamental and technical analysis, portfolio management, business transactions, tax planning, insurance planning, estate planning, options trading, risk management, and financial planning.

John Hancock Financial Services SALES MANAGER 1990-1997 Responsible for recruiting, training, and supervising registered financial services representatives, promoting their professional development, and expanding their sales unit.

I work with the following types of clients:

Businesses, Individual Investors, Non-Profit Organizations

Foreign Languages Serviced:

Spanish (some)

Services

Investment Types:

Alternative Investments, Mutual Funds, Options & Futures, Bonds, Stocks, Annuities, Insurance, Mortgages & Real Estate, Exchange Traded Funds (ETFs), Socially Responsible Investments (SRI)

I can meet clients in the following ways:

Our Offices, At your home, Via Email, At my office, Via Phone, At your office, Video Conference

Qualifications & Memberships

Insurance and Annuity Licenses:

Health, Life, Annuity, Long Term Care, Disability

Firm Information

Firm's Number of Clients:

150

Firm's Number of Planning Clients:

100

Firm's Number of Managed Clients:

150

Assets Managed by Firm:

$125,000,000

Advisor's Number of Clients:

150

Advisor's Number of Managed Clients:

150

Advisor's Number of Planning Clients:

150

Assets Managed by Advisor:

$440,000,000

Compliance

Registered Investment Advisor:

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

Compensation Methods:

Flat Fee, Based on Assets, Hourly

Fee % Based on Assets:

.5 to 1.0%

Additional Details on Charges:

Our fees are on a tiered scale, based upon the size of the account.

Education

B.A. Finance

Seattle Pacific University - Seattle, WA
1988-1990

Master in Financial Services MSFS

American College - PA
1998-2000

Faqs

Do you have a customer satisfaction or refund policy? Yes, we do not have any exit fees if a client is unhappy, and would like to leave us. We only bill quarterly, and will refund any unearned premiums if the client leaves prior to the end of that quarter.
Why should I choose you as my financial advisor? CFP®, CLU, ChFC, MSFS, CCIM, CWPP, CFA
What are your qualifications? What is your education background? Holistic Wealth Management
How do you charge for your services? Comprehensive Financial Planning and Investment Wealth Management are our two main services, but other services can include real estate and business consulting.
How are you compensated? How will I pay for your services? 150

FAQs

Do you have a customer satisfaction or refund policy? Yes, we do not have any exit fees if a client is unhappy, and would like to leave us. We only bill quarterly, and will refund any unearned premiums if the client leaves prior to the end of that quarter.
Why should I choose you as my financial advisor? CFP®, CLU, ChFC, MSFS, CCIM, CWPP, CFA
What are your qualifications? What is your education background? Holistic Wealth Management
How do you charge for your services? Comprehensive Financial Planning and Investment Wealth Management are our two main services, but other services can include real estate and business consulting.
How are you compensated? How will I pay for your services? 150
If you are going to manage my account, will you obtain my permission every time you buy or sell something? No, we work with each client as a team.
How many clients do you currently manage? Fee-Based
Will you be the only person working with me? No, we create an IPS (Investment Policy Statement), and manage your assets as per this plan.
Do you offer any guaranteed results? No, unless the client enters into an investment product that has a separate guarantee on the specific product.
How much risk should I be willing to take? We will work with each client to help them determine their individual level of risk. We look for a client's willingness and ability to take risk.
Have you ever been charged with any breaches? No
What services do you provide? What are your specialties? We have an independent brokers license, so are able to represent almost all companies out there.
What is your experience? How many clients do you currently manage? One partner has been in the business for 24 years, and the other has been in the business for 18 years. In addition to the other staff we have available.
What financial institution(s) do you represent? We are an independent planning firm and do not "represent" any particular institutions, but we do hold our clients assets at Charles Schwab and TD Ameritrade, but can use any others we may choose.
What is your approach to financial planning? Fee Basis.
What services do you offer? After an initial consultation, you should hire us if we can put you in a better situation versus going it alone or with another firm. We accomplish this through our investment planning, strategies, and holistic approach.
What are your qualifications? Comprehensive Financial Planning and Investment Wealth Management are our two main services, but other services can include real estate and business consulting.
What is your approach to 401 K plan rollovers? They should be evaluated on an individual basis as some rollovers make sense, but others may not, depending on the individual client circumstance.
How long does the process of rolling over a 401K plan usually take? It can usually be done within weeks.
What financial institutions do you represent? Charles Schwab and TD Ameritrade are our two main providers, but we have several other smaller providers.
How many years of experience do you have? One principal has 24 years of experience, and the other has 18.
What are your fees for this service? Scaling down from .8% down to .1%
How many 401K rollover clients do you currently manage? About 50% of the existing clients have some sort of account that originally came from a 401k plan.
Why should I roll over my 401K plan to your firm? Knowledge of investment management, and flexibility of investment choices versus leaving it with the old plan.

Joe Maas

Joe Maas, CFA, CFP®, CLU®, ChFC, MSFS, CCIM", CVA, ABAR, CM&AA CEO, Chief Investment Officer

Joe Maas is the Chief Investment Officer and lead portfolio manager for Synergy Financial Management LLC (SFM). A highly trained financial analyst, Joe is responsible for analyzing current and potential investments for the firm through deep fundamental analysis, researching industry trends, speaking to industry experts and through a thorough understanding and application of quantitative methods and technical analysis. Mr. Maas is very unique because he is certified in so many areas of expertise. He has earned certificates from nine prestigious organizations, and, with over two decades of financial industry experience, his unique core specialty is providing comprehensive investment management services for individual investors, business owners, and financial advisors.

Mr. Maas holds a variety of world-renowned professional designations; he is a CFA (Chartered Financial Analyst) Charterholder, which is the worlds most respected investment professionals achievement. In addition to the CFA, Mr. Maas is a certified valuation analyst (CVA) and is accredited in business appraisal review (ABAR). Mr. Maas professional capability also includes being a certified merger and acquisition advisor (CM&AA) trained and experienced in buying and selling middle-market companies with revenues from $5 million to $500 million.

Mr. Maas earned his reputation as a Certified Financial Planner" (CFP®), having fulfilled the requirements of the Certified Financial Planner Board of Standards, and is also a chartered financial consultant (ChFC) qualified to provide comprehensive advanced financial planning.

Adding to Mr. Maas many skills are his specialties in life insurance and estate planning as a chartered life underwriter (CLU®) and being a certified commercial investment member (CCIM") with expertise in commercial and investment real estate. In 2000, Mr. Maas earned his Master of Science in Financial Services (MSFS) from The American College.

Mr. Maas earned his reputation as a Certified Financial Planner" (CFP®), having fulfilled the requirements of the Certified Financial Planner Board of Standards, and is also a chartered financial consultant (ChFC) qualified to provide comprehensive advanced financial planning.

Adding to Mr. Maas many skills are his specialties in life insurance and estate planning as a chartered life underwriter (CLU®) and being a certified commercial investment member (CCIM") with expertise in commercial and investment real estate. In 2000, Mr. Maas earned his Master of Science in Financial Services (MSFS) from The American College.

My Team

Jason Zalarick

Jason Zalarick is an executive with over 20 years of experience in the financial services industry. He has represented various Fortune Financial companies such as TD Ameritrade, Fiserv, Fidelity and Ameriprise. Earlier in his career, Jason helped grow a nationally recognized advisor referral program in which he educated the East Coast regional branches on the benefits of hiring Independent RIAs. He recruited highly qualified advisors to an independent Wall St. based hybrid firm. He has held advi ...more

Office Hours

	Mon.	8:00 AM - 4:00 PM
	Tue.	8:00 AM - 4:00 PM
	Wed.	8:00 AM - 4:00 PM
	Thu.	8:00 AM - 4:00 PM
	Fri.	8:00 AM - 4:00 PM

Research This Advisor

www.finra.org	www.sec.gov
www.sipc.org	www.aicpa.org

Joe Maas Synergy Financial Management, LLC