Fs 1 4 1 – Note Manager Objective

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1-4 1.2 Overview of Work Tasks for the RT/FS 1-4 1.2.1 Data Management 1-4 1.2.2 Data Validation 1-5 1.2.3 Remedial Investigation 1-5 1.2.4 RiskAssessment 1-6 1.2.5 Feasibility Study 1-7 1.3 Project Schedule 1-8 Data Management Work Plan 2-1 2.1 Introduction 2-1 2.2 Data Management Tasks 2-3 2.3 Procedures 2-4 2.3.1 Project Kickoff Meeting 2-4. Note: Further information. FS-1.4 Salmonella species infections commonly. National snapshots provide a visual display of progress for selected objectives in. Customers can be internal or external. The manager is clearly considering unethical behaviors, especially the decisions associated with reducing maintenance and promotional salaries. Keeping track of spoilage can make it easier to note. Nonlinear Optimization Models Note that the decision variable d is located in cell B21 and the objective function is cell B23. This approach is necessary because Excel Solver will not let the objective function and a decision. (R 5 – RBAR) 2); 1.1006. FS + 1.1764. IB + 1.3241. LG + 1.3236. LV + 1.3344. SG + 1.2456. SV = R 1 1.1312. FS + 1.

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. Actively licensed as a registered investment adviser or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by Five Star Professional, the wealth manager has not; A. Been subject to aregulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed or denied complaints with any regulatory authorityor 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 notbe representative of any one client's experience; C. Individually contributed to a financial settlement of a customer complaint; D. Filed for personal bankruptcy within the past 11 years; E. Been terminated from a financial services firm within the past 11 years; F. Been convicted ofa felony); 4. Fulfilled their firm 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 final list of Five Star Wealth Managers. Award does not evaluate quality of services provided to clients. Once awarded, wealthmanagers may purchase additional profile 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 futureinvestment 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 fivestarprofessional.com

4,383 New Jersey wealth managers were considered for the award;415 ( 9 percent of candidates) were named 2018 Five Star Wealth Managers. This year, we honored 23 New Jersey-area investment professionals with the Five Star Investment Professional award.

Securities offered through LPL Financial, Member FINRA/SIPC.
Investment advice offered through Private Advisor Group, a
registered investment advisor. Private Advisor Group and Duerr
Financial Group are separate entities from LPL Financial.

Wealth Manager Award Winner

As a CPA who also holds a PFS credential, I can assist in all areas offinancial planning, including: retirement, investment, estate andeducation planning. In addition, I have the knowledge of potentialtax implications that may be involved in the planning process.

CFP®, CPA, PFS, MBA

Douglas P. Duerr

150 River Road, Suite H3

Fs 1 4 1 – Note Manager Objective Interview

Montville, NJ 07045

Office: 973-263-1948

douglas.duerr@lpl.com
www.duerrfinancial.com 5 YEAR
WINNER

Registered representative, securities offered through CambridgeInvestment Research Inc., a broker-dealer, member FINRA/SIPC.

Investment Advisory Services offered through CFS Investment Advisory
Services, L.L.C., a registered investment adviser. Cambridge and
CFS Investment Advisory Services, L.L.C. are not affiliated.

Wealth Manager Award Winner

Our purpose is to create financial understanding and to assistour clients so that they may flourish and prosper.

CFP®, AIF®, Managing Member

Gregory Makowski

97 Lackawanna Avenue, Suite 101

Totowa, NJ 07512

Phone: 973-826-8800

greg@cfsias.comwww.cfsias.com

Our Purpose Is to Bring Financial Understanding

6

YEARWINNER

Investors should conduct their o wn evaluation of a financial professionalas working with a financial advisor is not a guarantee of future financialsuccess. Ameriprise Financial Services, Inc., Member FINRA and SIPC.

Wealth Manager Award Winner

We are a solutions-based financial practice. We work with clientsto provide customized financial plans that not only fit for nowbut can last for generations to come. We provide our clients withpersonalized financial services, which is why they continue to refertheir parents, children and people they care about. 2013 – 2018

Five Star Wealth Manager award winner.

CFP®, CRPC®, RICP®, CLTC, Financial Advisor

Maria Z. Nigro

250 Pehle Avenue, Suite 500

Saddle Brook, NJ 07663

Phone: 201-221-2723

maria.z.nigro@ampf.com
ameripriseadvisors.com/maria.z.nigro 6 YEAR
WINNER

Fs 1 4 1 – Note Manager Objective Sample

Registered Representative of, and Securities and Investment Advisory Services
offered through, Hornor, Townsend & Kent, Inc. (HTK). Registered Investment Advisor,
Member FINRA/SIPC. 110 Fieldcrest Avenue, Edison, NJ 08837, 732-225-0777. HTK
does not offer tax or legal advice. Stone Hill Financial LLC is Independent of HTK.

Note

1924133TM_Oct19

Wealth Manager Award Winner

Tim has been helping individuals and business owners managetheir wealth since 2001. With rising government deficits, an agingpopulation and longer life spans, Tim works with clients utilizingtax diversification strategies to plan for all tax environments.

CFP®, CPA, President

Timothy M. Hyland

67 Beaver Avenue, Austin Building, Suite 14

Annandale, NJ 08801

Smultron 11 text editor 11 1 1. Phone: 908-894-5020

thyland@stonehillfinancial.net
www.stonehillfinancial.net 7 YEAR
WINNER

Mr. Garland oversees the estate, trust and tax practice group atCoughlin Duffy LLP. With 31 years of experience, his practice isconcentrated in the areas of estate and trust planning, estateadministration, estate and trust litigation, elder law andguardianships.

Partner

James B. Garland

350 Mount Kemble AvenueP.O. Box 1917

Morristown, NJ 07962

Main: 973-267-0058

Direct: 973-631-6040

jgarland@coughlinduffy.com

Investment Professional Award Winner

4

Fs 1 4 1 – note manager objective statement

1924133TM_Oct19

Wealth Manager Award Winner

Tim has been helping individuals and business owners managetheir wealth since 2001. With rising government deficits, an agingpopulation and longer life spans, Tim works with clients utilizingtax diversification strategies to plan for all tax environments.

CFP®, CPA, President

Timothy M. Hyland

67 Beaver Avenue, Austin Building, Suite 14

Annandale, NJ 08801

Smultron 11 text editor 11 1 1. Phone: 908-894-5020

thyland@stonehillfinancial.net
www.stonehillfinancial.net 7 YEAR
WINNER

Mr. Garland oversees the estate, trust and tax practice group atCoughlin Duffy LLP. With 31 years of experience, his practice isconcentrated in the areas of estate and trust planning, estateadministration, estate and trust litigation, elder law andguardianships.

Partner

James B. Garland

350 Mount Kemble AvenueP.O. Box 1917

Morristown, NJ 07962

Main: 973-267-0058

Direct: 973-631-6040

jgarland@coughlinduffy.com

Investment Professional Award Winner

4

YEARWINNER

Registered Rep. Park Ave Securities LLC member FINRA, SIPC.

Financial Rep. of The Guardian, NY. Certified Financial Services, LLC is not an affiliateor subsidiary of PAS or Guardian. 2017-47755 Exp. 10/19.

I educate my clients on one of the most amazing financial assets …whole life insurance. Features: guaranteed cash value, not subjectto market risk, tax-deferred growth, self completing in the event ofdisability (waiver of premium rider), protected from lawsuit (statedependent), tax-free death benefit and much more …

Financial Specialist, Lic. 8627275

Richard Aronwald

600 Parsippany Road, Suite 200

Parsippany, NJ 07054

Phone: 973-263-0622

raronwald@cfsllc.comwww.richardaronwald.com

Blueharvest 6 3 8 download free. Do You Own Whole Life Insurance?

Investment Professional Award Winner

4

YEARWINNER

WEALTH MANAGERS INVESTMENT PROFESSIONALS

Securities offered through Purshe Kaplan Sterling Investments memberFINRA/SIPC. Headquartered at 18 Corporate Woods Boulevard, Albany, NY

12211 Advisory services offered through Insight Private Advisors, LLC.

Purshe Kaplan Sterling Investments and Insight Private Advisors, LLC andMoore Wealth Management, LLC (DBA) are not affiliated companies.

Aescripts easy arrows v1 2 download free. Wealth Manager Award Winner

Founder and Managing Member of Moore Wealth Management,David Moore has been in the insurance and financial businesssince 1984. His broad experience gives him unique insight toadvise his clients through sound financial planning.

Wealth Manager, Retirement Planning Specialist, CRPC®, CLTC

W. David Moore

10 Galloping Hill RoadHolmdel, NJ 07733

wdmoore@moore-wealth.comwww.moore-wealth.com

Wealth Care for all Walks of Life

5

YEARWINNER

Certified Financial Planner Board of Standards Inc. o wns the certification
marks CFP®, Certified Financial Planner™ and federally registered CFP
( with flame design) in the U.S. ©2018 Morgan Stanley Smith Barney
LLC. Member SIPC. CRC1948515 11/17.

Wealth Manager Award Winner

My practice focuses on managing investments and creating financialplans for mid-to-late career professionals. I am committed to the well-being of each client, helping them build for a future that best reflectstheir innermost goals. 2016 – 2018 Five Star Wealth Manager.

CFA, CFP®, Portfolio Manager, Financial Advisor

Milin Rao

3

YEARWINNER

61 South Paramus Road, 3rd FloorParamus, NJ 07652

Phone: 201-670-3432

milin.rao@morganstanley.com
www.morganstanleyfa.com/milin.rao

Thoughtful Wealth Planning and Investment Advice

Securities offered through Nationwide Planning Associates, Inc. Member FINRA and
SIPC. Advisory Services offered through NPA Asset Management LLC, a registered
investment advisor. Synergy Advisory Management Group, LLC is not affiliated with
Nationwide Planning Associates, Inc.

Wealth Manager Award Winner

Management Group

Managing Partner

Andrew A. Arons

One University Plaza, Suite 401

Hackensack, NJ 07601

Phone: 201-342-5722

aarons@nationwideplanning.com

• Personalized, independent and objective advice• Tax-advantaged investment and retirement planning• Investment portfolios managed to build and preserve wealth

7

YEARWINNER





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