Decisional Wealth Advisors (DWA), a leading comprehensive fee-based Registered Investment Advisor (RIA) specializing in providing personalized financial planning services in Syracuse and Rochester, NY. We are not your typical "financial advisor" or "stockbroker" in fact, we are the opposite. We are Fiduciaries, and we provide unbiased investment and financial planning advice that is in our client's best interest and not our own. It's that straightforward.
Our primary goal is to empower individuals, families, and business owners with financial literacy in a new and innovative way. Understanding your finances leads to genuine interest. At DWA, we prioritize secure and prosperous futures through financial planning, investment management, retirement income planning, and tax management.
Whether you are just starting your financial journey or seeking to optimize your current financial standing, John is here to guide you every step of the way. By entrusting your financial planning needs to you gain a trusted partner dedicated to your financial success.
Reach out today to schedule a no-obligation consultation and unlock the path toward achieving your financial dreams.
John Harmatuk
CFP®
John Harmatuk is a CERTIFIED FINANCIAL PLANNER® and a Fiduciary to his clients and prospective clients. With a fiduciary duty to clients, John takes the responsibility of acting in your best interest with the utmost concern. As a trusted advisor, it is John's top priority to employ comprehensive financial planning techniques to help you make informed decisions regarding wealth accumulation, investment management, retirement planning, tax optimization, estate planning, and more. With a relentless focus on your financial well-being, John aims to empower you with the tools and knowledge necessary to build a secure financial future.
As a CERTIFIED FINANCIAL PLANNER®, John operates with transparency and objectivity, placing your best interests at the forefront of every recommendation made. By not accepting any investment related compensation tied to commissions or product sales, you can be confident that the advice you receive is solely based on your unique needs and financial objectives. This approach ensures an unwavering commitment to providing you with the most suitable strategies and solutions tailored to your specific circumstances.
John truly believes in the importance of personalized financial planning. By taking into account your unique circumstances, financial goals, risk tolerance, and values, John designs customized strategies that align with your aspirations. Through open and honest communication, John strives to build strong, long-lasting relationships with clients, ultimately providing them with peace of mind and financial clarity.
Brannigan Judge
Brannigan has built his successful career as a trusted financial advisor by providing his high-net-worth clients with comprehensive financial planning in order to provide clarity and answers for their retirement planning, estate planning, and asset management needs. With over 14 years of experience, he has focused on advising clients across the fields of medicine, academics, research, as well as the private sector. His proven ability to develop a financial plan that gets his clients to and through retirement has helped to set him apart from others in the industry.
His business is built on trust, transparency, and strong relationships that allow him to work with his clients to define their financial objectives. As an independent advisor, Brannigan's number one purpose is to provide a financial plan that meets his client's short-term and long-term goals. He is not bound by a large corporation's sales objectives or prioritizing certain products. He prioritizes client education and seeks to ensure that his client's experience is unique from the status quo. By implementing today's leading financial planning and investment technology, he is able to simplify his client's complex personal, retirement, and legacy goals. As a result, he is able to maintain a successful plan through life's different stages.
General Information |
| Firm Start Year: | 2023 | |
| No. of Employees: | 2-4 | |
| Name of Custodial Firm: | Charles Schwab, American Funds |
| Number of Years with Current Firm: | 1 |
| Work Experience: |
John has spent nearly a decade advising individuals and institutions on their finances and guiding them to positive outcomes. John graduated with honors from SUNY Oswego with a degree in accounting, followed by working for a large regional public accounting firm where he assisted individuals and institutions with accounting and tax solutions. Given his background in accounting it was a natural path to transition into the financial planning industry where he has worked for the last 5 years helping individuals, families, and business owners plan for and retire confidently. John is a CERTIFIED FINANCIAL PLANNER" and a Fiduciary to his clients and prospective clients. With a fiduciary duty to clients, John takes the responsibility of acting in your best interest with the utmost concern. Outside of work John enjoys spending time with his wife and 3 children, coaching youth sports, playing golf and watching anything sports related. John was a member of the 2008 Syracuse University Men's Lacrosse National Championship team and remains an avid lacrosse spectator. |
| Work with the following types of clients: | Businesses, Non-Profit Organizations, Individual Investors |
| Advisory Services Provided: | Insurance Products & Annuities, Estate Planning & Trusts, Investment Advice & Management, Financial Advice & Consulting, Financial Planning, Portfolio Management, 401K Rollovers, Wealth Management, Money Management, Risk Management, Education Funding and Planning, Financial Planning for Individuals, Financial Planning for Businesses, Tax Advice and Services, Retirement Planning |
Services |
| Investment Types: | Mutual Funds, Exchange Traded Funds (ETFs), Bonds, Annuities |
| Can meet clients in the following ways: | Your Home, Our Office, Phone, Your Office, Email, Video Conference, Our Offices |
Qualifications & Memberships |
| Insurance and Annuity Licenses: | Annuity, Health, Life, Accident |
Firm Information |
| Advisor's Number of Clients: | 47 |
| Advisor's Number of Managed Clients: | 47 |
| Advisor's Number of Planning Clients: | 47 |
| Assets Managed by Advisor: | $12,356,719 |
Compensation and Fees |
| Fee Structure: | Fee-Based |
| Minimum Portfolio Size for New Managed Accounts: | $50,000 |
| Compensation Methods: | Based on Assets |
Education |
| Bachelor's Degree - Business | Le Moyne College
- Syracuse, NY 09/07/2009-05/26/2011 |
| Bachelor's Degree - Accounting | SUNY Oswego
- Oswego, NY 09/01/2012-05/17/2014 |
Disclosures |
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WiserAdvisor provides referrals to financial professionals. WiserAdvisor is not a current client of advisor or advisory services. Financial professionals pay cash compensation for these referrals, which creates the incentive for WiserAdvisor to make these referrals, resulting in a conflict of interest. |
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Additional Detailed Disclosures |
Registered Investment Advisor:
Yes
Investment Advisor Representative:
Yes
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
| Mon. | 9:00 AM - 5:00 PM |
| Tue. | 9:00 AM - 5:00 PM |
| Wed. | 9:00 AM - 5:00 PM |
| Thu. | 9:00 AM - 5:00 PM |
| Fri. | 9:00 AM - 5:00 PM |
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