The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria. Eligibility criteria – required: 1. Credentialed as a registered investment adviser or a registered investment
adviser representative; 2. Active as a credentialed professional in the ;nancial services industry for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As de;ned by Five Star Professional, the wealth manager has not: A. Been subject
to a regulatory action that resulted in a license being suspended or revoked, or payment of a ;ne; B. Had more than a total of three customer complaints ;led against them [settled or pending] with any regulatory authority or Five Star Professional’s consumer
complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer complaint process; feedback may not be representative
of any one client’s experience; C. Individually contributed to a ;nancial settlement of a customer complaint ;led with a regulatory authority; D. Filed for personal bankruptcy; E. Been convicted of a felony); 4. Ful;lled their ;rm review based on internal standards; 5. Accepting new clients.
Evaluation criteria – considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers
do not pay a fee to be considered or placed on the ;nal list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealth managers may purchase additional pro;le ad space or promotional products. The Five Star award is not indicative
of the wealth manager’s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their client’s assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the
wealth manager by Five Star Professional or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star
Professional in the future. For more information on the Five Star award and the research/selection methodology, go to ; vestarprofessional.com. 3,868 Ne w Jersey wealth managers were considered for the award; 664 ( 18 percent of candidates) were named 2017 Five Star Wealth Managers.
JANUARY ;;;;;NE W JERSEY MONTHLY;FS- 13
RONALD H. CARR, JR.
AND ROBERT K. DESCHERER
30 Two Bridges Road, Suite 320 | Fairfield, NJ 07004
firstname.lastname@example.org | www.ronaldcarrjr.com
Helping Individuals, Families and Businesses Build,
email@example.com | www.rdescherer.com
• Accountability, integrity and
• Work with clients throughout all stages
of their lives
• Comprehensive wealth planning
• We ask, listen and adapt to your
Manage and Preserve Their Wealth
The foundation of our firm, Creative Financial Strategies, is the relationships
we have with our clients which are based on trust, integrity and the highest
level of service. Ron and Rob exemplify this as financial professionals who have
built long-term careers by providing guidance to entrepreneurs, businesses
and families alike. In a complex financial world, their consultative process
helps empower clients by providing easy to understand financial strategies
and assisting with the implementation to maximize wealth potential.
Ron and Rob realize that clients have many choices in who they would like
to work with for financial planning, investment and portfolio management,
business succession planning, employee benefits and estate conservation
strategies. Their commitment, wealth of knowledge, experience and the
attention they give their clients is what sets them apart.
MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance
Company (MassMutual) and its affiliated companies and sales representatives. Securities
and investment advisory services offered through qualified registered representatives of
MSI Financial Services, Inc. Member SIPC. L1116482991[exp1216][NJ].
Left to right: Four-year winner Robert K. DeScherer, CLTC,
Financial Advisor, Financial Services Representative;
Six-year winner Ronald H. Carr, Jr., CFP®, CLU®,
ChFC®, Senior Partner
NEIL S. HENNING
609 Franklin Avenue | Nutley, NJ 07110
Phone: 973-661-3898 | Fax: 973-447-2513
Neil@fortfinancial.net | www.fortfinancial.net
• I specialize in advising educational professionals that are nearing or
• An expert in estate and retirement planning
I help educators make sound financial decisions. After 25 years of experience in this field,
I understand their needs and look out for their best interests. As an independent advisor,
my top priority is customizing a financial plan that works well in a variety of unforeseen
circumstances. By helping grow and protect the wealth of my clients, they are able to
enjoy the retirement they deserve with confidence.
Securities and advisory services offered through Commonwealth Financial Network, Member FINRA/SIPC, a
Registered Investment Adviser.
Three-year winner Neil S. Henning, CLTC