The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria: 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; 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; 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 awarded. Once awarded, wealth managers may
purchase additional pro;le ad space or promotional products. The award methodology does not evaluate the quality of services provided and is not indicative of the winner’s
future performance. 3,315 New Jersey wealth managers were considered for the award; 646 (20% of candidates) were named Five Star Wealth Managers.
Creative Financial Group
of New Jersey
Helping Clients Build, Manage
and Preserve Their Wealth
• Accountability, integrity and exceptional service
• Comprehensive wealth management
• Employee and executive bene;ts
Left to right: Two-year winner Ian Ruderman; three-year winner Ronald H. Carr, Jr., CLU®,
ChFC®, CFP®; 2014 winners Gary Lynch and Robert DeScherer, CLTC®
CFGNJ is one of the largest and most diverse ;nancial services ;rms in N.J. We
serve the needs of small- to midsize-business owners as well as individuals and
families. Creating a strong ;nancial future does not have to be complicated. Our
;nancial professionals work hard to ensure clients feel at ease with the ;nancial
planning process. Our goal for every client is peace of mind knowing they have
made the right decisions about the future of their family and their business.
Our areas of focus include ;nancial, retirement and estate planning, investment
management, employee bene;ts and business succession strategies.
New England Financial
A MetLife Company
30 Two Bridges Road, Suite 320
Fair;eld, NJ 07004
Fair;eld: (973) 227-8800
Princeton: (609) 986-2100
firstname.lastname@example.org • email@example.com
firstname.lastname@example.org • email@example.com
Neither New England Securities nor its representatives provide tax or legal advice. Please consult your tax advisor or attorney for guidance. Ian Ruderman, Ronald H. Carr, Gary Lynch and Robert DeScherer
are registered representatives and financial advisors of, and offer securities through, New England Securities Corp. (NES)(member FINRA/SIPC), a registered investment advisor. New England Financial is the
registered mark for New England Life Insurance Company(NELICO), Boston, MA 02116. NES & NELICO are affiliates. Creative Financial Group of New Jersey is not affiliated with NES.
Robert DeScherer CA Insurance License 0F75550. Ronald H. Carr CA Insurance License 0D13911. L1113350239[exp1114][NJ].
Couto DeFranco, P.A.
Working for You and With You to
Pursue Your Financial Goals
• Comprehensive planning based on eight wealth
• Tax planning, tax preparation and accounting
• Estate planning and administration
Left to right: 2014 winner Anthony DeFranco, CPA, CFP®, M. S. ( Taxation);
2014 winner Nelson Couto, CPA, CFP®; Taylor Grove, Financial Assistant
Couto DeFranco, P.A. is one of New Jersey’s most trusted CPA and wealth
management ;rms. Nelson Couto and Anthony DeFranco understand the
importance of building long-term relationships with their clients. We listen to
what your needs are for today and what your hopes are for tomorrow. We analyze,
assess and develop a sound, objective ;nancial plan. We know that you work hard
for your money — and we will do the same to help you make the most of it.
300 Executive Drive, Suite 200
West Orange, NJ 07052
O;ce: (973) 325-3370
Nelson J. Couto, Anthony DeFranco Jr., Registered Representatives. Securities offered through H.D. Vest Investment ServicesSM, Member SIPC, Advisory services offered through H.D. Vest Advisory
ServicesSM, 6333 N State Highway 161, Fourth Floor, Irving, TX 75038, (972) 870-6000. 918265 3/13 Couto DeFranco, P.A. is not a registered broker/dealer or independent investment advisory firm.