Sophisticated. Not Complicated.SM
Welcome to CFS Investment Advisory Services
As a busy professional or active retiree, you need someone you can trust to manage the assets you've worked so hard to accumulate for your family. You need a financial advisor who offers the experience, independence, and integrity to match your own achievements and goals.
CFS Investment Advisory Services LLC (CFS) will help you understand and control your finances and free you to pursue your dreams and aspirations. CFS stands for Common Financial Sense, a philosophy that embraces sophistication without complication.
You will work with dedicated financial advisors who listen, understand, and care deeply about helping you make your dreams come true. We call it the CFS Standard of Care; you will call it the freedom to enjoy your life without worrying about your finances.
CFS is a fee-based firm that offers two primary areas of expertise:
- Private wealth management for individuals, families, and business owners.
- 401(k) and retirement plan management for corporations and nonprofit organizations.
Please click on either link for more information.
Recent Awards & Recognition
In our continued effort to provide you with the best solutions and services, we are pleased to announce some recent important milestones we have achieved. Over the last few months, CFS Investment Advisory Services, LLC was named one of the 2015 Top 300 Registered Investment Advisory firms in the country by The Financial Times and ranked in the top 250 by Financial Advisor Magazine.*
We are also very proud to announce the recognition of our Managing Members, Harris Nydick and Greg Makowski. Both are among Barron’s Magazine’s top 1200 Financial Advisors in America, an outstanding accomplishment. Additionally, Harris was selected as one of The Financial Times Top 401 Retirement Plan Advisors for 2015 and Greg is a 2015 New Jersey Five Star Wealth Manager.**
These prestigious awards are a direct reflection of CFS’s hard work, dedication, expertise and ethics on behalf of our clients. Thank you for allowing us to be your trusted source of continued guidance. It is our privilege to celebrate these accomplishments together with you.
A Look at Diversification
Diversification is an investment principle designed to manage risk, but it can't prevent against a loss.
Split Annuity Strategy
Here's one strategy that combines two different annuities to generate income and rebuild principal.
What You Should Do About Insurance Following a Divorce
In the face of divorce, making changes to insurance coverage may be overlooked.
You can plan ahead to protect yourself and your family against the financial consequences of deteriorating health.
Knowing the rules may help you decide when to start benefits.
Irrevocable life insurance trusts can be important tools that may accomplish a number of estate objectives.
It sounds simple, but paying yourself first can really pay off.
Is your estate in order? This short quiz may help you assess your overall strategy.
Loss of income from disability has the potential to cause financial hardship. Disability insurance can help.
Estimate the maximum contribution amount for a Self-Employed 401(k), SIMPLE IRA, or SEP.
This calculator demonstrates the power of compound interest.
Determine your potential long-term care needs and how long your current assets might last.
Estimate how much of your Social Security benefit may be considered taxable.
Estimate your monthly and annual income from various IRA types.
This calculator shows how inflation over the years has impacted purchasing power.
There are some key concepts to understand when investing for retirement
Learn more about taxes, tax-favored investing, and tax strategies.
A number of questions and concerns need to be addressed to help you better prepare for retirement living.
The importance of life insurance, how it works, and how much coverage you need.
Using smart management to get more of what you want and free up assets to invest.
Principles that can help create a portfolio designed to pursue investment goals.
Even low inflation rates can pose a threat to investment returns.
Procrastination can be costly. When you get a late start, it may be difficult to make up for lost time.
Have you explored all of your choices when it comes to managing your taxable income?
Are Real Estate Investment Trusts right for your portfolio?
Retirees look for ways to convert savings and investments into regular income. One option to consider is an annuity.
Retiring early sounds like a dream come true, but it’s important to take a look at the cold, hard facts.