Financial Planners Union NJ

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Jeffrey Waters
OFC Financial Planning, LLC
(973) 258-1007
35 Canoe Brook Road
Short Hills, NJ
Expertises
Ongoing Investment Management, Helping Clients Identify & Achieve Goals, College/Education Planning, High Net Worth Client Needs, Planning Concerns for Corporate Executives
Certifications
NAPFA Registered Financial Advisor, CFP®

Katharina Gschwend
Creative Financial & Divorce Planning, LLC
(908) 665-0022
112 Sherwood Drive
New Providence, NJ
Expertises
Middle Income Client Needs, Divorce Planning, Helping Clients Identify & Achieve Goals, Ongoing Investment Management, Retirement Planning & Distribution Rules, Women's Financial Planning Issues
Certifications
NAPFA Registered Financial Advisor, CDFA, CFP®, PhD

Clare Wherley
Lassus Wherley
(908) 464-0102
1 Academy Street
New Providence, NJ
Expertises
Planning Concerns for Corporate Executives, Estate & Generational Planning Issues, Retirement Planning & Distribution Rules, Women's Financial Planning Issues, Tax Planning
Certifications
NAPFA Registered Financial Advisor, CFP®, CPA, MBA

Roger Streit
Key Financial Solutions, LLC
(800) 840-0718
101 Eisenhower Parkway
Roseland, NJ
Expertises
Ongoing Investment Management, Helping Clients Identify & Achieve Goals, Planning Issues for Business Owners, College/Education Planning, Middle Income Client Needs
Certifications
NAPFA Registered Financial Advisor, CFP®, MBA

Michael Maye
MJM Financial Advisors, LLC
(908) 665-0330
68 Plymouth Drive
Berkeley Heights, NJ
Expertises
Ongoing Investment Management, Helping Clients Identify & Achieve Goals, Retirement Planning & Distribution Rules, Tax Planning
Certifications
NAPFA Registered Financial Advisor, CFP®, CPA/PFS, MBA

James Gallo
KDI Financial Planning LLC
(908) 464-2011
52 Greenwood Road
New Providence, NJ
Expertises
Retirement Plan Investment Advice, Cash Flow/Budgets/Credit Issues, College/Education Planning, Helping Clients Identify & Achieve Goals, Hourly Financial Planning Services, Middle Income Client Needs
Certifications
NAPFA Registered Financial Advisor, BSEE, CFP®, MS

Diahann Lassus
Lassus Wherley
(908) 464-0102
1 Academy Street
New Providence, NJ
Expertises
Ongoing Investment Management, Charitable Giving - Trusts & Foundations, Estate & Generational Planning Issues, Women's Financial Planning Issues
Certifications
NAPFA Registered Financial Advisor, BS, CFP®, CPA/PFS, MBA

James Kearney
Quadrant Capital Management, LLC
(973) 783-8032
7 North Mountain Avenue
Montclair, NJ
Expertises
High Net Worth Client Needs, Retirement Planning & Distribution Rules, Planning Concerns for Corporate Executives, Estate & Generational Planning Issues, Ongoing Investment Management, Charitable Giving - Trusts & Foundations
Certifications
NAPFA Registered Financial Advisor, CFP®, CTFA

Jeremy Welther
Brinton Eaton Wealth Advisors
(973) 984-3352
One Giralda Farms, Suite 130
Madison, NJ
Expertises
Ongoing Investment Management, Cash Flow/Budgets/Credit Issues, Planning Concerns for Corporate Executives, High Net Worth Client Needs, Retirement Planning & Distribution Rules, Tax Planning
Certifications
NAPFA Registered Financial Advisor, AIF, BS, CFP®

Eve Kaplan
Kaplan Financial Advisors, LLC
(908) 898-0549
52 Plymouth Drive
Berkeley Heights, NJ
Expertises
Retirement Plan Investment Advice, Planning Issues for Business Owners, High Net Worth Client Needs, Women's Financial Planning Issues, Estate & Generational Planning Issues, Planning Concerns for Corporate Executives
Certifications
NAPFA Registered Financial Advisor, CFP®, MA

Number Crunch

Surviving a Stre$$ful Economy

By Lisa James and Allan Richter

March 2009

Our country is facing the kind of economic crisis we haven't seen since
the Great Depression, and you're probably worried about your financial security.
Learn how to protect yourself against the psychological and physical fallout.

First the housing market imploded, then the banks stumbled, then sales of cars and other durable goods fell with an ominous thud. As a result layoffs have ravaged some of the country's biggest corporate icons: 10,000 jobs lost at Boeing, 10,000 at GM, 7,200 at Caterpillar, 6,700 at Starbucks.

The federal government counted nearly 4.8 million Americans receiving unemployment benefits at the end of January, with no end in sight.

You can find the victims of an economy in free fall everywhere. Emily, 56, and Marie, 47, were both among 50 people laid off in December from the IT department of a New York electronics firm. Even as they seek career counseling at a suburban New York State Labor Department office, Emily and Marie (who asked that their last names not be used) both fear that they are overqualified in whatever is left of today's job market. As Emily puts it, "Age is against us. Our experience is against us. We understand we have to take cuts in salary." Marie adds, "We're re-learning how to interview."

The Health Toll of a
Bad Economy

55%
People age 45 and older who are concerned about being able to afford healthcare

22%
Those who have delayed seeing a practitioner

16%
Those who have cut back on preventive care

Comparisons have been drawn between the current crisis and the Great Depression - and with good reason. "We haven't seen anything of this magnitude for 70 years," says Barry Shore, PhD, professor of decision sciences at Whittemore School of Business and Economics, University of New Hampshire.

Some people are drowning in economically driven fear. One of them was Ervin Lupoe of Wilmington, California; both he and his wife, Ana, had lost their jobs at Kaiser Permanente West Los Angeles Medical Center. Police say that on the night of January 27 Lupoe shot his wife and five children before killing himself the next morning. Between the mortgage company and the IRS the Lupoes owed $17,500, with thousands more on a home equity credit line.

Such tragic stories may be rare but the effects of economic stress are not. In a 2007 survey by the American Psychological Association (APA), 74% of Ameri­cans rated work as a "significant source" of stress, with money right behind at 73%. This was before the current crisis started; it would be hard to imagine that those figures are any lower now.

Long Shadows

As grim as they are, unemployment numbers tell only part of the story. According to a survey by the American Association of Retired Persons (AARP), nearly 60% of all Americans 45 and older have lost money on their investments, including their 401(k)s, and o...

Click here to read the rest of this article from Energy Times