Hello and welcome to Glassner Carlton Financial, a financial planning firm in Morristown, New Jersey.
We are fortunate to know many of the good people that make our community special.
We feel privileged to serve you!
You need a financial planning partner who will help you rest assured you’ll be protected from any unwelcome surprises in your Golden Years – and who will fight hard when the inevitable ones do arise.
Our financial planning firm in Morristown was founded by Bill Glassner in 1985. Bill’s modest upbringing was the driving force that motivated him to help others in his community. He sought to bring them greater financial literacy and empowering them to make wise financial decisions. After a few decades in the business Bill’s son-in-law, Judd Carlton, became his successor. It remains a family owned business until this day, focused on financial planning for the Morristown and surrounding communites.
This simple story tells a great deal about the values we represent to this day: hard work, honesty, and perseverance. With these values in mind we aim to make an impact on families, businesses, and individuals in the community around us that we are so fortunate to be a part of.
William O. Glassner, CFP®
FOUNDER | CERTIFIED FINANCIAL PLANNER
Judd T. Carlton, CFP®, AIF®
Noreen A. Flynn
CLIENT RELATIONS MANAGER
Inna D. Braudo
FINANCIAL ADVISOR, MBA
CLIENT RELATIONS MANAGER
Working together is different from one client to the next and is highly customized to your specific needs.
You are: Looking for a roadmap to guide you through the inflection points that life will take.
We provide: Financial planning, tax planning, overall guidance on the creation and maintenance of your estate plan, cash flow planning for Morristown.
You need: A portfolio designed to grow over time to overcome the rate of inflation and allow you to reach your financial goals
We provide: A custom designed portfolio. Using a rigorous analytical approach, we will form an asset allocation that fits your risk profile. We will then put your investment plan into action by purchasing securities and monitoring the portfolio as the market changes.
We use a multi-step process for financial planning that allows us to get to know each other. We offer remote and online meetings to accommodate social distancing, and when appropriate will also meet in person.
S T E P 1
Initial Phone or Zoom Consultation
We listen as you explain your goals, your approach to the markets and unique position, the vision for your financial life.
S T E P 2
We ask consultative questions that delve further into the details of your financial, tax and estate situation.
S T E P 3
We review everything you have shown us and create a strategy to meet your goals.
S T E P 4
We present our recommendations and listen to your thoughts. The primary question we seek to answer is whether or not what we have designed fits the vision that you have set.
S T E P 5
After you make the decision to work with us, we walk you through the mechanics of becoming a client and prepare any necessary paperwork. Regular, open communication keeps you informed of our thinking and makes sure that we are in total awareness of your life changes.
Time and time again, we hear from our clients that it is the high attention paid to even the smallest of decisions that has made the difference for them.
Here are some examples of ways that we have helped our clients as their financial planner.
A financial planning client came to us with an investment that sounded too good to be true. It was recommended by a trusted service provider of theirs. Through our careful inspection we sensed something wasn’t right. It turned out to be a fraud.
We were troubled by seeing a client’s lawyer trying to line himself up to receive the family’s inheritance. Over a period of years we urged our client to meet a new attorney. We even insisted on being in the meeting with the client and attorney in person to be sure it was being executed correctly. The new attorney was originally defensive, but eventually thanked me for protecting the client.
A client was facing a large estate tax bill of about $1 million. We helped them create and implement a strategy that reduced the tax by sizable proportions. It took over a year of planning and attending meetings with multiple generations of the family and the legal team.
A client forgot to take their required minimum distribution at an outside institution. By reminding them that they need to take their distribution we saved them the 50% penalty they would have been charged.
We received an email requesting a federal funds wire request from a client’s account for $25,000 to be sent to a bank account that we did not recognize. We called the client to confirm his request and found that he did not send the email. As a result, we contacted our tech support team and they were able to determine that the client’s email was hacked.
Tiered Fee Structure
|PORTFOLIO SIZE||CLIENT FEE|
|Up to $1,000,000||1.00%|
|$1,000,000 - $2,000,000||0.70%|
Each tier of household assets pays the rate noted. For example, a $2 million household pays 1% on the first million and 0.70% on the second million.
Households may combine values of all fee-based accounts to achieve lower fees.
163 Madison Avenue
Morristown, NJ 07960
Phone: (973) 539-1945
Fax: (973) 538-9297
Boca Raton Office
1900 Glades Road
Boca Raton, FL 33431