Broker Check
Client Centered

Toms River Branch

250 Washington Street, C1C 

Toms River, NJ 08753

Tel. (732) 286-1919

Fax  (732) 286-0616

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

(732) 286-1919

(732) 286-0616

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...

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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...

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