Because the Small Details
Make a Big Difference
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!
I'm a...
You are looking for a financial planning partner to be there for you and your kin through the many twists and turns that life can take.
You’ve worked hard to achieve your success and won’t settle for anything less than a partner who will do their utmost to help you make the most of it.
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.
You seek a partner who will honor and respect the bond of trust you have with your clients.
Our Values
Our financial planning firm in Morristown was founded by Bill Glassner in 1985. It remains a family-owned business until this day, focused on financial planning for Morristown, New Jersey and its surrounding communities.
Our team is committed to the values of hard work, honesty, and perseverance and with these principles 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.
Us
Judd T. Carlton, CFP®, AIF®
MANAGING EXECUTIVE
Judd T. Carlton, CFP®, AIF®
MANAGING EXECUTIVE
(973) 539-1945 x12
jcarlton@royalnj.com
I graduated Magna Cum Laude from New York University with a BA in Economics and have an MS in Accounting from the Silberman College of Business at Fairleigh Dickinson University. I also hold the CFP® and AIF ® designations.
His human side…
I was interested in markets and economics from an early age. I even studied economics and game theory at summer camps in middle school (nerd).
The person who has had the biggest influence over my career path is my father-in-law Bill Glassner, the founder of the firm. He showed me how planning for the long-term makes a big impact. He shared his comprehensive knowledge of bond investing. He taught me early on to consider the conservative approach. I learned his calm and warm demeanor. Every once in a while a client will say that I sound like him.
I love living near Morristown because there is a great balance between town life and outdoor life. You can hike a mountain, watch the kids play their sports in the open fields and then have a world class dinner with friends -- all within 10 or 15 minutes of each other.
Noreen A. Flynn
CLIENT RELATIONS MANAGER
Noreen A. Flynn
CLIENT RELATIONS MANAGER
(973) 539-1945 x13
nflynn@royalnj.com
I have been fortunate to be a member of the team since 2001. I am dedicated to ensuring operational cohesiveness while managing client needs regarding financial services requests. I am proficient in establishing various types of accounts and maintaining the expedient flow of paperwork generated by our office's transactions. I take pride in proactively building and maintaining strong relationships with our clients.
Her human side…
I have had many influences throughout the years in the financial industry. Starting as a receptionist in 1985 at a bond trading firm on Wall Street, a mentor encouraged me to obtain my industry licenses to allow for more opportunities within the industry. Early on in my career I was focused on the operations and trading side of the industry that included working for major firms and on the floor of the New York Stock Exchange.
When I joined Glassner Carlton Financial, I found the financial planning aspect of the financial industry to be interesting since it has a more personal approach to a client’s financial needs. It is very gratifying knowing that I can assist clients achieve their goals.
Bill Glassner was a big influence in my enthusiasm to learn more about the financial planning aspect of the financial industry. He has been a great leader and educator throughout the years. As Judd Carlton took over, he offered a wealth of knowledge to continue expanding my knowledge that enhances my client services capabilities. I am very thankful for this opportunity to work along side both Bill & Judd all these years.
Inna D. Braudo
FINANCIAL ADVISOR, MBA
Inna D. Braudo
FINANCIAL ADVISOR, MBA
(973) 539-1945 x10
ibraudo@royalnj.com
I have been in the financial industry for over 10 years. As a Financial Advisor, my primary goal is to align your financial plan and investment strategy with your personal goals and objectives. We will be working together on periodic portfolio strategy reviews, financial planning, risk tolerance questionnaires, and any questions you may have along the way.
I have an MBA in Finance and a BA in Economics from Rutgers University, and also plan to obtain the CERTIFIED FINANCIAL PLANNER™ designation.
Her human side…
I got into the business of financial advising because I wanted to leave trading behind and was looking for a career change. I found that the industry appeals to me because planning and organization are two of my greatest strengths.
The person who has had the greatest influence over my career path was my father. He came to this country with nothing and worked his way toward a successful career and business. He has always pushed me to work hard and accomplish more than I thought I could.
My favorite thing about living near Morristown is the feel of the suburbs (trees and blue sky) combined with the closeness of the big city. I like being surrounded by parks and nature while at the same time having anything I need be just a quick car ride away.
Shaun Leonard, CFP®
FINANCIAL PARAPLANNER
Shaun Leonard, CFP®
FINANCIAL PARAPLANNER
(973) 539-1945 x18
sleonard@royalnj.com
Benjamin Franklin once said, “By failing to plan, you are planning to fail.” and when it comes to managing personal finances this could not be more true. As a Financial Paraplanner, I gather statements which the financial professional will review during client meetings.
I obtained the CERTIFIED FINANCIAL PLANNER™ certification after graduating from the Feliciano School of Business at Montclair State University with a B.S. in Finance.
His human side…
Growing up in a household of humble means, the value of managing personal finances became clear at a young age. As a result, I look forward to helping others.
Judd Carlton has had great influence on my career path and has taught me the importance of looking at the big picture. It is easy to focus on the latest headlines each day, but a well put together financial plan should not be overly sensitive to day-to-day changes in the financial markets.
I love working in Morristown for many reasons, from the food, to the scenery, to the history… it really does have it all!
Rebecca Hunt
CLIENT RELATIONS MANAGER
Rebecca Hunt
CLIENT RELATIONS MANAGER
(973) 539-1945 x14
rhunt@royalnj.com
In my current role I am responsible for processing much of the information and the service requests that flow between Glassner and our clients, from account openings to maintaining records and updates.
I very much enjoy getting to hear clients' stories. In a financial setting, surrounded by numbers, it is imperative for me to get to know our clients as people: their successes, where they come from, what they value, and what they dream about! Wealth management facilitates an ability for clients to curate a present and future life well-lived.
I have a BA in English and Creative Writing from Monmouth University and hold the FINRA Series 6 license. Before coming to Glassner Carlton, I held various associate level roles in finance and insurance.
Her human side…
My inspiration in my career is my grandmother; she was a strong woman whose life and career were exemplary of both self-determination and compassion. I aim to carry over these ideals into the work that I do for clients.
I love to hike, read, and write, road trip with my dog, and explore new restaurants and coffee shops!
Working Together
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.
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
Pre-Analysis Meeting
We ask consultative questions that delve further into the details of your financial, tax and estate situation.
S T E P 3
Review/Analysis
We review everything you have shown us and create a strategy to meet your goals.
S T E P 4
Strategy Meeting
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
Implementation
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.
Stories
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.
Fees
Financial Planning
We will work with you to build a financial plan that includes all of your goals related to your life and your money. We’ll discuss risk management, cash flow, tax planning, and more. For financial plans, we charge a one-time fee that ranges between $4,000 and $7,000.
Investment Management
We manage your assets according to an Investment Policy Statement (IPS) that we establish in the beginning of the relationship. It will detail your risk and return preferences. We will then create the investment strategy and purchase securities in accordance with the plan, monitor the account, and rebalance over time as necessary.
The fees for our investment management services are below. A percentage fee is applied based on the total of all assets held in Royal Alliance’s Pershing-custodian accounts. One quarter of the annual fee is charged each quarter, proportionately to each account. Adjustments are made to account for withdrawals and deposits. There is no minimum time commitment and there are no commissions or mark-ups on stocks, bonds and funds.
Tiered Fee Structure
| PORTFOLIO SIZE | CLIENT FEE |
|---|---|
| Up to $1,000,000 | 1.00% |
| $1,000,000 - $2,000,000 | 0.70% |
| $2,000,000+ | 0.30% |
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.
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Getting Started is Easy
Morristown Office
163 Madison Avenue
Suite 402
Morristown, NJ 07960
Phone: (973) 539-1945
Fax: (973) 538-9297
Boca Raton Office
1900 Glades Road
Suite 500
Boca Raton, FL 33431
