Toms River

Toms River Branch

250 Washington Street, C1C

Toms River, NJ 08753

Tel. (908) 228-8400

Fax (908) 228-8415

OUR CLIENT SERVICES

ClearFocus provides a much-needed structure for important financial planning decisions that everyone has to make today and tomorrow. Financial success is a delicate balance of meeting the needs of today and the opportunities and risk of tomorrow. This can only be done through ongoing holistic Financial Planning.

Our recommendations are based on the balanced application of academic research and practical applications.

We can help you execute a sound financial program utilizing the following products and services

FINANCIAL PLANNING

Indvidualized Financial Plans
Dynamic Asset Integration
Monte Carlo Simulation
Cash Flow Management
S.S. Maximization & Timing
Healthcare Funding

INVESTMENT MANAGEMENT

Volatility Management
Downside Risk Controls and Upside Captures
Academically Engineered Portfolios
Democratized Institutional Money Management
Active Asset Allocation Management

RETIREMENT PLANNING

Segmented Income Planning
Individualized Income Strategies
Withdrawl Order Planning
RMD Management
Asset Location Strategies

EDUCATION PLANNING

Aid Strategies
Career, Major and College Alignment
Funding Strategies

ESTATE PLANNING

Exemption Maximization
Gifting Strategies
Asset Protection Strategies
Asset Distribution Strategies

RISK MITIGATION & MANAGEMENT

Advanced Insurance Design
Modified Endowment Planning
Key-Man Insurance
Property & Casualty
Disability Planning

DEBT MANAGEMENT & FINANCING

Navigate and Evaluate DebtOptions
Review Implications of Factors that Impact the Cost of Debt
Integrate Financing Options and Decision Making into Your Financial Plan

Ludwig "Luddy" DePasquale

Senior Financial Advisor and Investment Advisor Representative

(908) 228-8400

(908) 228-8415

LDePasquale@investmentctr.com

Luddy has been a Financial Advisor/Registered Investment Advisor for the past 13 years, starting his career with Merrill Lynch, after over 25 years in the automotive industry. Five years ago, he joined the Independent Network with The...

David Fazendeiro

Financial Advisor and Branch Manager

908-228-8400

908-228-8415

DFazendeiro@ClearFocusFinancial.com

David Fazendeiro, a Union County native, graduated from Kean University and achieved much success in the title insurance industry before moving to retail financial services. David holds many professional financial licenses which...