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Top Financial Advisors in Cherry Hill, NJ

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This review was produced by SmartAsset based on publicly available information. The named firm and its financial professionals have not reviewed, approved, or endorsed this review and are not responsible for its accuracy. Review content is produced by SmartAsset independently of any business relationships that might exist between SmartAsset and the named firm and its financial professionals, and firms and financial professionals having business relationships with SmartAsset receive no special treatment or consideration in SmartAsset’s reviews. This page contains links to SmartAsset’s financial advisor matching tool, which may or may not match you with the firm mentioned in this review or its financial professionals.

Finding a Top Financial Advisor Firm in Cherry Hill, New Jersey

Choosing the right financial advisor can be an overwhelming process. So, SmartAsset created this list of the top Cherry Hill financial advisor firms to make the decision a little easier. Below, we compare the services the top firms provide, what their fee structures are and what kinds of clients they specialize in working with. SmartAsset has also developed a free financial advisor matching tool that can pair you with up to three advisors in your area.

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Rank Financial Advisor Assets Managed Minimum Assets Financial Services More Information
1 Pine Valley Investments Pine Valley Investments logo Find an Advisor

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$1,040,908,102 Varies based on account type
  • Financial planning
  • Portfolio management
  • Pension consulting services
  • Selection of other advisers (including private fund managers)

Minimum Assets

Varies based on account type

Financial Services

  • Financial planning
  • Portfolio management
  • Pension consulting services
  • Selection of other advisers (including private fund managers)
2 Wealth Management Associates, Inc. Wealth Management Associates, Inc. logo Find an Advisor

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$474,066,237 $50,000
  • Financial planning
  • Portfolio management
  • Pension consulting
  • Selection of other advisers (including private fund managers)

Minimum Assets

$50,000

Financial Services

  • Financial planning
  • Portfolio management
  • Pension consulting
  • Selection of other advisers (including private fund managers)
3 Wealth CMT Wealth CMT logo Find an Advisor

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$236,253,120 $600,000
  • Financial planning
  • Portfolio management
  • Selection of other advisers (including private fund managers)

Minimum Assets

$600,000

Financial Services

  • Financial planning
  • Portfolio management
  • Selection of other advisers (including private fund managers)

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4 Cypress Financial Planning Cypress Financial Planning logo Find an Advisor

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$198,622,578 No set account minimum
  • Financial planning
  • Portfolio management
  • Pension consulting
  • Publication of periodicals or newsletters
  • Educational seminars/workshops

Minimum Assets

No set account minimum

Financial Services

  • Financial planning
  • Portfolio management
  • Pension consulting
  • Publication of periodicals or newsletters
  • Educational seminars/workshops

What We Use in Our Methodology

To find the top financial advisors in Cherry Hill, we first identified all firms registered with the SEC in the city. Next, we filtered out firms that don't offer financial planning services, those that don't serve primarily individual clients and those that have disclosures on their record. The qualifying firms were then ranked according to the following criteria:

  • AUM
    Firms with more total assets under management are ranked higher.
  • Individual Client Count
    Firms who serve more individual clients (as opposed to institutional clients) are ranked higher.
  • Clients Per Advisor
    Firms with a lower ratio of clients per financial advisor are ranked higher.
  • Age of Firm
    Firms that have been in business longer are ranked higher.
  • Fee Structure
    Firms with a fee-only (as opposed to fee-based) compensation structure are ranked higher.

All information is accurate as of the writing of this article. This list may include firms that have a business relationship with SmartAsset, in which SmartAsset is compensated for lead referrals. Such relationships have no impact on our rankings, and firms are included and ranked based strictly on the above criteria.

Pine Valley Investments

At the top of the list is Pine Valley Investments. Its team includes many advisors who cut their teeth at Merrill Lynch. Some advisors may also be brokers or insurance agents, making the firm fee-based. Any potential conflicts of interest that originate from these roles are mitigated by the firm's fiduciary duty, though.

Pine Valley’s client base consists of both high-net-worth individuals and individuals who do not have a high net worth. The practice also serves pension and profit-sharing plans. The minimum ranges from $250,000 for individual advisory services to $5 million for comprehensive family office services, though Pine Valley may waive or lower minimums at its discretion.

Pine Valley Investments Background

Harry Morad and Joseph Duncan founded the firm in 2014 after working together at Philadelphia Investment Partners. Morad owns the firm.

Pine Valley’s main business is providing discretionary investment advisory services, which may include recommending a third-party advisor. It can also assist with trust and estate planning, insurance products and investment banking (if, say, you want to sell your business). Additionally, it does pension consulting and may act as a sub-advisor to unaffiliated third-party advisors. 

Pine Valley Investments Strategy

Like most advisories, Pine Valley will customize its investment advice to client goals, time horizon and risk tolerance. In analyzing securities, it uses fundamental, technical and quantitative methods of analysis, and according to its website, it manages “portfolio overlays around various asset classes that deliver attractive, less-correlated and improved risk-adjusted absolute returns.”

Wealth Management Associates

Wealth Management Associates, Inc. (WMA) is headquartered in Cherry Hill and has another New Jersey office in Haddonfield and a branch in Orwigsburg, Pennsylvania. Most advisors are also brokers and insurance agents. Advisory certifications in the Cherry Hill office include MBA, certified financial planner (CFP), accredited asset management specialist (AAMS) and more.

High-net-worth clients make up a minority of this firm's clients, as more individual clients do not have a high net worth. This makes sense, since the minimum investment is a relatively low $50,000. WMA also serves pension and profit-sharing plans, trusts, estates, charitable organizations and businesses.

Some of the advisors at this fee-based firm can sell insurance products and securities on a commission basis. Despite the potential conflict of interest this creates, the firm abides by fiduciary duty.

Wealth Management Associates Background

After working at brokerages for more than a decade, James Johnston set up his own shop, WMA, in 1998. He was soon joined by his friend and former colleague David Hess (they started their careers at Smith Barney together).

WMA offers discretionary and non-discretionary investment advisory services, financial planning on a stand-alone or consulting basis, qualified retirement plan services (to plan sponsors) and seminars. In the management of assets, the firm may recommend using a third-party advisor, and it may recommend insurance products (for which it receives commissions from the insurance company).

Wealth Management Associates Investing Strategy

The firm does not do tactical investing, which involves trying to time the market. Instead, it takes a long-term approach, holding positions for at least a year. Its primary strategy is asset allocation and its main method of securities review is fundamental analysis.

Wealth CMT

Wealth Creation Management and Transfer, more commonly called Wealth CMT, is a boutique firm. The advisory team includes MBAs, a chartered life underwriter (CLU) and a chartered financial consultant (ChFC). The firm is fee-based, and may receive third party commissions.

The minimum to open an investment account is $600,000, though the firm may waive the requirement at its discretion. The firm works with individuals both with and without a high net worth, pension and profit-sharing plans, trusts, estates and charitable organizations. 

Wealth CMT Background

Andrew Barnett founded Wealth CMT in 2008, and then reformed it with equal partner Eric Feder a year later. Today, they are the sole owners.

The firm stands out for its emphasis on financial planning. It requires it as a first step before it will provide investment advisory services. Fees for financial planning (which includes portfolio design) range from $3,500 to $25,000, while portfolio management fees are asset based, starting at 1.17% annually for the first $500,000 invested. Portfolio design is part of management services at most firms, and Wealth CMT says it will allow part of the cost of financial planning to offset some of its management fee.

Wealth CMT Investing Strategy

Wealth CMT has five basic asset-allocation approaches: conservative, moderate, balanced, growth and aggressive growth. It will custom-design a client’s portfolio using a mix of these approaches and then implement it generally using mutual funds, exchange-traded funds (ETFs) and third-party investment managers. Because of its holistic approach, the firm will include and review investments that can not be transferred in kind to the account with Wealth CMT, such as securities in a 401(k) plan.

Cypress Financial Planning

Last but not least is Cypress Financial Planning, a fee-only firm. This means that its advisors only sell advice - and do not sell products that would earn them commissions from third parties. The team at Cypress includes certified financial planners (CFPs).

Cypress Financial has no asset requirement. Not surprisingly, the majority of investment advisory clients are not high net worth. The firm also serves high-net-worth individuals, pension and profit-sharing plans and charitable institutions.

Cypress Financial Planning Background

Founder Jeff Jones’ career path started at Lockheed Martin, where he worked as an engineer. But an encounter with a financial advisor who was really an insurance salesman opened Jones’ eyes to the need for a “sales-free environment” for financial advice. As a result, he switched tracks, earning a master’s degree in financial engineering and taking a job in the private wealth management division at Goldman Sachs. He started Cypress Financial in 2009, where he is majority owner. The firm's minority owners are Benjamin J. Pitts and Evan Powers.

The boutique shop’s main business is financial planning and investment advisory services. It also offers educational seminars and publishes newsletters about personal finance and economic topics. Additionally, it provides consulting or advisory services to employer-sponsored retirement plans. 

Cypress Financial Planning Investment Strategy

Cypress Financial applies modern portfolio theory (MPT) and fundamental and technical analyses when designing and implementing portfolios. It says that it frequently recommends exchange-traded funds (ETFs). The majority of the firm's assets are held in stocks.

How Long $1mm Lasts in Retirement

SmartAsset's interactive map highlights places where $1 million will last the longest in retirement. Zoom between states and the national map to see the top spots in each region. Also, scroll over any city to learn about the cost of living in retirement for that location.

Least
Most
Rank City Housing Expenses Food Expenses Healthcare Expenses Utilities Expenses Transportation Expenses

Methodology We analyzed data on average expenditures for seniors, cost of living and investment returns to determine how many years of retirement a $1 million nest egg would cover in cities across America.

First, we looked at data from the Bureau of Labor Statistics (BLS) on the average annual expenditures of seniors. We then applied cost of living data from the Council for Community and Economic Research to adjust those national average spending levels based on the costs of each expense category (housing, food, healthcare, utilities, transportation and other) in each city. Using this data, SmartAsset calculated the average cost of living for retirees in the largest U.S. cities.

We assumed the $1 million would grow at a real return (interest minus inflation) of 2%. Then, we divided $1 million by the sum of each of those annual numbers to determine how long $1 million would cover retirement expenses in each of the cities in our study. Cities where $1 million lasted the longest ranked the highest in the study.

Sources: Bureau of Labor Statistics (BLS), Council for Community and Economic Research