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New Jersey Five Star award winner

PROFESSIONAL PROFILE

Richard Aronwald

Financial Specialist
Certified Financial Services, LLC
600 Parsippany Rd Suite 200
Parsippany, NJ 07054
Office: 973-263-0622
Cell: 908-507-0735
raronwald@cfsllc.com
www.richardaronwald.com

Professional Approach

Richard`s goal as a Financial Representative is to listen to your financial dreams and objectives and help you create a strategy for meeting them. Richard defines this strategy as wealth coordination and financial protection. The most important part of creating “Financial Success” is to understand that there is more than one strategy available to achieve one`s financial goal. It is Richard`s job to educate you on the many different financial strategies that exist and to provide you with the knowledge to make the decisions which will most benefit you and your family rather than benefit solely the Financial Institution`s best interests. Whatever your needs, whatever your stage in life, this strategy can help you to better create, build, and preserve wealth to protect you and the people you care about.

Every financial decision you make incurs a financial cost…You either borrow money and pay interest or you remove money from your investment environment and, therefore, give up earning interest or growth and incur a “Lost Opportunity Cost.” Richard provides his clients the ability to recognize this and makes sure that each financial decision made incurs the least amount of “financial cost” while providing maximum flexibility.

You currently work with multiple advisors (Micro Managers), Stockbroker, Property & Casualty Agent, Life Insurance Agent, Banker, Accountant, Attorney, Realtor…how often do they speak to one another about you and your family’s financial plan? If not, this may result in deficiencies.

Richard is not interested in replacing any of your current advisors…only to act as your Macro-Manager and offer you the opportunity to build upon them and strengthen your financial world

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Registered Representative of Park Avenue Securities LLC (PAS). OSJ:52 Forest Ave., Paramus, NJ 07652 (201) 843-7700. Securities products offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America (Guardian), New York, NY. PAS is an indirect, wholly-owned subsidiary of Guardian. Certified Financial Services, LLC is not an affiliate or subsidiary of PAS or Guardian

*Winners appearing on this page do not pay a fee to be considered or to win the Five Star Award. Professionals with a digital profile have paid a promotional fee.

The Five Star Investment Professional award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria: Eligibility Criteria – Required: 1. Credentialed with appropriate state or industry licensures. 2. Actively employed as a credentialed professional in the financial services industry for a minimum of five years. 3. Favorable regulatory and complaint history review. 4. Accepting new clients; Evaluation Criteria – Considered: 5. One-year client retention rate. 6. Five-year client retention rate. 7. Number of client households served. 8. Recent personal production and performance (industry specific criteria). 9. Education and professional designations/ industry and board certifications. 10. Pro Bono and community service work. This year, we honored 23 New Jersey-area investment professionals with the Five Star Investment Professional award.