About My Practice
My clientele crosses the spectrum from young couples building the foundation for a successful future, small business owners and their retirement plans, charitable foundations intent on stewardship of their assets to provide greater income to their beneficiaries and to retirees who want steady predictable income to maintain and enhance their lifestyles. I employ a holistic approach to determine your true objectives, identify your resources, reduce your worries and fears through education and then suggest solutions to help you achieve your goals. Once these actions are chosen and implemented I will monitor them and recommend changes when necessary and appropriate. I welcome the opportunity to interact with your legal and accounting advisors so we can work as a team for your benefit. Our relationship becomes a "partnership" in which we work to build your success. I look forward to building that partnership with you.
I am registered in Securities in the following states: AZ, CA, CT, FL, HI, MA, MD, ME, NC, NH, NJ, NY, PA, SC, VA, WA, WV
I am licensed for Life Insurance and Annuities in the following states: New York, Pennsylvania, Florida and North Carolina
Janney Montgomery Scott, LLC is a Registered Investment Advisor that offers investment advisory services through me as an Investment Advisory Representative.
With over 35 years of experience in the financial markets I have gained the depth of knowledge necessary to help my clients in tumultuous times.
After earning a Bachelor’s degree in Economics from Cornell University in 1971, I completed four years of service in the U.S. Army as required by my ROTC college scholarship. I served in the Ordnance Corps during the Vietnam War era, attaining the rank of Captain, prior to leaving the service in 1975.
I began my career in the world of finance in 1977 and, after working for several smaller firms, joined Janney Montgomery Scott LLC in 1989. At Janney, I represented my office and region on the Financial Consultants Council and Congress. From 2010 to 2012, I was invited to be one of the two at-large (out of 750) Financial Advisors to serve on Janney’s Mutual Fund Investment Committee. That committee is responsible for the research to build the mutual fund universe used in the JMS Keystone Discretionary Mutual Fund program and published as our Mutual Fund Monitor that is a “vetted” resource for our Advisors to assist their clients in finding appropriate funds for their goals.
I attained the Certified Financial PlannerTM (CFP®) designation in 1991.
In 2005 I was invited by Janney’s top management to participate in the inaugural class of “Janney University”. This is our firm’s commitment to excellence in providing superior service to clients. In coordination with The Wharton School of Business and the College for Financial Planning I successfully completed the six month course at the top of my class and was awarded the Accredited Wealth Management AdvisorSM (AWMA®) designation.
Most recently I was awarded the Certified Long Term CareTM (CLTC®) designation in 2010. This study, and personal experience, helped me realize and communicate to clients the severe emotional, physical and financial consequences of not having a sensible plan in place for dealing with the possibility of becoming frail and needing help to do common tasks that we take for granted. I am approved by New York State to discuss The New York State Partnership for Long Term Care and assist clients in acquiring insurance contracts qualified under that program.
I am currently working toward the Chartered Market TechnicianTM (CMT®) designation. This course of study provides extensive knowledge on the “technical” aspects of markets in an attempt to assist clients in sidestepping the many pitfalls of investing. I have achieved Level 1 of the three levels toward this designation.
Registrations, Licenses, Certifications & Affiliations
Securities Registrations or Exam Qualifications
Series 7, 63, 66
Life insurance: NY,PA, FL, NC, Health/disability insurance, Fixed annuities: NY, PA, FL, NC, Variable annuities: NY, PA, FL, NC
Designations & Certifications
- CERTIFIED FINANCIAL PLANNER™ (CFP®)
- Other - AWMA, CLTC
Considerations: The majority of my clients use advisory (fee-based) investment programs to avoid transactional commissions and thus receive quarterly portfolio reviews to track progress to their unique goals
I will provide a free initial consultation to prospective clients so we may determine if their needs and my practice are well-matched.