CFS Investment Advisory Services

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Investment Advisory Service, Annuities & Retirement Insurance Plans, Banks

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Today: 8:00 am - 5:00 pm

(973) 826-8800Call Visit WebsiteVisit Website Map & DirectionsDirections97 Lackawanna Ave Ste 101Totowa, NJ 07512 Write a ReviewWrite Review

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Regular Hours

Mon - Fri:	8:00 am - 5:00 pm

Places Near Totowa with Investment Advisory Service

Paterson (5 miles)
Wayne (6 miles)
Clifton (6 miles)
Fairfield (7 miles)
Montclair (8 miles)
Passaic (9 miles)
Bloomfield (10 miles)
West Orange (11 miles)
Livingston (13 miles)
Paramus (14 miles)
East Orange (14 miles)

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General Info: 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.
Payment method: amex, cash, debit, discover, master card, visa
Other Link: website
Categories: Investment Advisory Service, Annuities & Retirement Insurance Plans, Banks, Financial Planners, Financial Planning Consultants, Investment Management, Mutual Funds, Retirement Planning Services

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Phone: (973) 826-8800

Address: 97 Lackawanna Ave Ste 101, Totowa, NJ 07512

Website: website

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CFS Investment Advisory Services

Tax Planning
® Certification Examination that tests their ability to apply financial planning knowledge in an integrated format. Based on regular research of what planners do, the exam covers the financial planning process, tax planning, employee benefits and retirement planning, estate planning, investment management and insurance.
Charitable Giving
We also offer a full array of trust structures, including charitable-giving tools that may feature tax advantages. Whether your goal is to minimize estate taxes, help ensure you have the funds you need down the road, provide for a loved one or spell out exactly how you want your wishes to be carried out, we can help.
Estate Taxes
Tax Services
Tax Deductions
There are many ways to make charitable giving part of your overall financial plan, each with its own level of control and tax benefits. Some options provide immediate or future tax deductions while others can provide a continuous income stream. In any case, our goal is to help ensure tax-efficient giving so that your estate or charity of choice receives the most benefit from your gift.
Income Tax
*Certain conditions may apply. Earnings in 529 plans are not subject to federal tax, and in most cases, state tax, so long as you use withdrawals for eligible education expenses, such as tuition and room and board. However, if you withdraw money from a 529 plan and do not use it on an eligible education expense, you generally will be subject to income tax and an additional 10% federal tax penalty on earnings. Investors should consider before investing, whether the investorâ€™s or the designated beneficiaryâ€™s home state offers state tax or other benefits only available for investments in such stateâ€™s 529 savings plan. Such benefits include financial aid, scholarship funds, and protection from creditors. 529 plans offered outside their resident state may not provide the same tax benefits as those offered within their state.

Investment Management
The IPS is a formal, written document that governs your investment management process. CFS will create a customized IPS and provide ongoing monitoring to remain compliant with federal regulations.
Mutual Funds
No. Most plans utilize mutual funds that pay commissions or other forms of compensation to the broker. Ultimately, these fees come out of your pocket.
Wealth Management
Through decades of providing private wealth management to individuals and families, we have honed a methodical way of collaborating with clients. Our process consists of the following six steps...

Accounting Services

Financial Planning
® certification process that includes demanding education, examination, experience and ethical requirements. These standards are called “the four E’s,” and they are four important reasons why the financial planning practitioner you select should display the CFP
Retirement Planning
Our retirement planning division offers you a state-of-the-art, customized, full-service program designed to help you meet your fiduciary responsibilities and provide an appropriate number of diverse investment options for plan participants.
Annuities
Then, we tailor your financial plan to prepare for the unexpected, which could include preserving your estate with long-term care insurance, building a protective cushion with life insurance, and combining protection and tax-advantaged growth opportunities with annuities. Working together, our team helps you preserve your overall financial plan, your way of life and your confidence in reaching your goals even when the unexpected happens.
Long Term Care
One of the risks we all face, regardless of age, is the potential for sudden illness, disability and, subsequently, the need for long-term care. All of these have far-reaching effects not just on your health, but on your way of life, your ability to earn income and on your overall finances.
Asset Management
Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation.
College Funding
When you invest in potential, you’ll do more than help make the dream of education possible for a student in your life. You could provide the inspiration for a legacy of higher learning that’s passed on for generations to come. What’s more, the funds you contribute have the ability to grow tax-deferred, and eventually be withdrawn, tax-free.*

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