Bachelor of Science

Associate of Applied Science

Daniel R. Martin - Financial Advisor in Ridgewood, NJ | WiserAdvisor.com

This firm was started to give people a practical way to know exactly what had to be done at key points 
over time to succeed financially. Our flexible approach ensures there is nothing standing between you and a clear plan of action well 
executed over time. We give you the versatility to choose how we work together and stay in control 
of your total financial picture with access to fiduciary advice. We created a way for you to easily understand more about your situation and stay on track to success 
for the long term. We simplify the abstract concepts of planning into simple concrete steps that 
summarize how acting now will improve financial outcomes tomorrow. With us, you can access top tier planning and experienced fiduciary guidance without pressure to move 
your accounts or say "yes".

D.R. Martin and Associates

Many of our clients were already successful savers who 
wanted a better way to avoid risk and stay organized over 
time.  To make that vision a reality, we create thoughtful 
financial plans independent from the influence of a large 
parent entity or brokerage firm powered by fee-based 
investments for a transparent and unbiased approach to the 
successful 
achievement of your goals.

To start, we review your portfolio to identify the 
beneficial aspects which are working for you and expose 
detrimental areas before they become a problem.  If 
conflicts exist with your stated goals, we will recommend 
potential strategies which may be better suited for your 
long-term success.  The pros and cons of each approach are 
explained in plain language using interactive charts and 
detailed summaries to easily understand how our guidance 
today can help tomorrow.

We use fee-based portfolios of professionally managed 
investments specialized to achieve your goals of growth, 
liquidity, tax savings, security, and sustainable income 
without 
unnecessary 
risk or speculation.

Simplify your financial life and make managing your 
retirement plans easy while keeping your savings growing in 
a tax advantaged account.  401(k) plans leave it up to you 
alone to navigate hidden pitfalls which can erode the value 
of your account and leave less income for you to spend when 
you leave work behind.  Consolidating your old 401(k)s into 
a single rollover IRA can give you access to investments 
that are better suited to larger dollar values 
which can enhance the income you have to spend in retirement 
and make your money last.

Estate planning is all about protecting your loved ones when 
you can't be there to help them yourself.  Planning for the 
future and ensuring your final wishes are carried out 
exactly as you wish does not have to be a complex process.  
How 
your money and property are passed to the ones you love the 
most varies by location and can have high unexpected costs 
and negative financial consequences.  We can identify the 
obstacles to a quick and orderly disposition of your final 
wishes to preserve the value of your monetary gifts without 
high unexpected costs or the public process of probate 
without delay to secure your legacy as a loving and generous 
benefactor.

Creating the right financial plan can help you achieve the 
retirement you envision or preserve the retirement that 
you're already in.  We help you learn how to organize your 
finances today in order to support the retirement vision of 
tomorrow.  We start our relationship making 
sure we have a clear understanding of your retirement goals 
and income needs.  We look at your potential sources of 
income, review your portfolio and factor in taxes and 
inflation to give you a reasonable estimate of how much you 
can afford to spend during retirement.  While you are 
working, we implement strategies to position you for better 
returns on your investments with lower possible risks and 
when you leave work behind we address the decisions you must 
make about your savings when you retire, such as choosing a 
proper distribution plan to make your savings last.

D.R. Martin and Associates

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