Matthew Garrow
Engler, Garrow & Roth, Ltd.

Tel: (419) 794-0550
1645 Indian Wood Circle
Suite 102
Maumee, OH 43537

About Engler, Garrow & Roth, Ltd.

Our mission is to partner with clients to establish and achieve financial goals through objective planning and investment management programs. Our purpose is to help build, manage, and preserve your wealth. We put our client's interest first, act with integrity and honesty, and strive for excellence in every facet of our practice. Our success is not measured by performance statistics but rather by helping our clients achieve their goals.

General Information

Firm Start Year:   2006
No.of Employees:   2-4
Insurance License#:   0013678
Name of Custodial Firm:   Fidelity Investments
States Licensed in:   OH, MI, IN, FL,
Number of Years with Current Firm:   5
I work with the following types of clients:   Businesses, Business Owners, Non-Profit Organizations, Individual Investors


Investment Types:   Insurance, Commodities, Alternative Investments, Annuities, Stocks, Bonds, Exchange Traded Funds (ETFs), Mutual Funds, Socially Responsible Investments (SRI)
I can meet clients in the following ways:   At your office, Via phone, At my office, At your home, Via email

Qualifications & Memberships

Insurance and Annuity Licenses:   Disability, Variable Life, Long Term Care, Variable Annuity, Life, Health, Annuity
Financial Organization Memberships:   Society of Financial Services Professionals, Financial Planning Association (FPA), National Association of Insurance and Financial Advisors (NAIFA)
Non-Financial Organization Memberships:   Toledo Estate Planners


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 (Fee and Commissions)
Minimum Portfolio Size for New Managed Accounts:   $100,000
Compensation Methods:   Based on Assets, Flat Fee, Commissions


  • What are your qualifications? What is your education background? I am a Certified Financial Planner
  • What services do you offer? Financial Planning / Wealth Management
  • Will you be the only person working with me? No, we work with a team of Financial Professionals
  • How are you compensated? How will I pay for your services? You can pay for our services based on a fee for service or as a percentage charge for assets under management
  • If you are going to manage my account, will you obtain my permission every time you buy or sell something? Yes
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Matthew Garrow is a registered representative of Sigma Financial Corp.

Securities offered through Sigma Financial Corp. Member FINRA/SIPC. Fee based investment advisory services offered through Sigma Planning Corporation, a registered investment advisor

Matthew Garrow

Matthew Garrow


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My Services

Financial Planning for Individuals

At Engler, Garrow & Roth, Ltd. we have adopted the financial planning process by creating our own proprietary AdviceSolutions™ Consulting Methodology. This disciplined and repeatable process enables us to provide our clients with the highest quality comprehensive financial planning experience. Specifically we view financial planning as a continuous and circular process of: •Establishing and clarifying relationships, processes, expectations, costs, deliverables, etc. •Identifying client goals and objectives •Gathering data to quantify the clients’ current situation •Developing recommendations to help achieve the clients’ goals and objectives •Implementing agreed-upon elements of the plan •Monitoring the plan, situation, and progress towards the client’s goals While the financial planner performs much of the work, the client must be committed to the process and fully participate at each step. If the client doesn’t “own” their financial plan, it will not get implemented, or it will be abandoned during the inevitable bumps in the road. The elements of our comprehensive financial planning services are summarized below. Our services are oriented toward developing written strategic financial plans for solving specific problems and/or reaching specific goals depending on family or business needs. Please note that we also utilize tax reduction strategies in our planning. Understanding the tax implications of an action is an essential component of every plan, but is typically a secondary consideration. An action must make sense outside of the tax implications to be considered a viable strategy.

Financial Planning for Businesses

You have worked hard to build your business and keeping the family farm or business intact through the generations is of utmost importance to you. This can be accomplished if the proper planning is done in advance. Strategies can differ depending on whether your business is a Family Limited Partnership, Limited Liability Company, C Corporation, Subchapter S Corporation, or Sole proprietorship as each has its own advantages and disadvantages. Engler, Garrow & Roth Ltd., along with your attorney and accountant can help you decide which is best for you once we have determined your current situation and your goals for the future. We incorporate this type of planning with your Estate Plan in order to best address the concerns of continuing the business as well as providing equity to those heirs who may not be involved in the family business. Engler, Garrow & Roth Ltd. does not give legal, tax or accounting advice. We will however work with your attorney and accountant to provide you with a coordinated plan to meet your goals.

Retirement Planning

The most important goal on many of our client’s minds is retirement. Considering that many retirees will live thirty- five or more years in retirement, it’s not surprising that it is the most important financial goal most people have. But retirement is about much more than just money. The concept of retirement is changing. And so are the ways that people prepare for it. For some, retirement means lots of leisure time to pursue hobbies and interests. For others it means a change to part time work, and still others will spend their new found free time with family members or as a volunteer in the community. Whatever your plans for retirement may be, we are here to help you prepare financially for what could be the most rewarding part of your life. We can help you determine the most effective vehicles to use in saving for your retirement. And we can help you determine whether you will have sufficient resources to support the lifestyle you desire. If there is a gap in your plan, we can identify your options and develop a plan to help you achieve your goal.

My Team

John  Engler
John Engler CFP, ChFC, CRPC
John focuses on retirement planning, portfolio analysis and design, investment management programs, business owner planning, and charitable giving strategies. He is a CERTIFIED FINANCIAL PLANNER™, a Chartered Financial Consultant, and an Accredited Investment Fiduciary. He is licensed as a registered representative of Sigma Financial Corporation in Ohio, Michigan, Indiana, Florida, Arizona and California. He is licensed as an investment advisor representative of Sigma Planning Corporation in Ohi ...more

Timothy Roth
Timothy Roth CFP
Tim focuses on retirement planning, estate planning, charitable giving strategies, investment management and insurance analysis. He is a CERTIFIED FINANCIAL PLANNER™. He is licensed as a registered representative of Sigma Financial Corporation in Ohio, Michigan, Indiana, Florida, Arizona and California. He is licensed as an investment advisor representative of Sigma Planning Corporation in Ohio, Michigan, Indiana, Florida, Arizona, California, Tennessee, Illinois and Virginia. He has been a gues ...more

Office Hours

wiseradvisor-balck-li-img Mon. 8:30 AM - 5:00 PM
wiseradvisor-balck-li-img Tue. 8:30 AM - 5:00 PM
wiseradvisor-balck-li-img Wed. 8:30 AM - 5:00 PM
wiseradvisor-balck-li-img Thu. 8:30 AM - 5:00 PM
wiseradvisor-balck-li-img Fri. 8:30 AM - 5:00 PM

Compensation Arrangements