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(973) 826-8800

CFS Investment Advisory Services, L.L.C.

97 Lackawanna Avenue, Suite 101
Totowa, NJ 07512

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Saving for College 101 The Latte Lie and Other Myths It Was the Best of Times, It Was the Worst of Times The Cost of Procrastination

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:

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 2016 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 2016.

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.

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Estimate how many years you may need retirement assets or how long to provide income to a surviving spouse or children.

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Assess whether you are running “in the black” or “in the red” each month.

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Your Cash Flow Statement

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Managing Your Lifestyle

Using smart management to get more of what you want and free up assets to invest.

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