Back to top

WFS Welcome

"Success is a journey, not a destination."
--Ben Sweetland

Warner Financial Services, L.L.C.

Responding to our clients' needs for objective and comprehensive financial planning and investment management, the shareholders of Warner and Company created Warner Financial Services, L.L.C. (WFS), an affiliated company. Warner Financial Services, L.L.C, a fee-only full service financial planning and investment management company combines the quality, integrity, and tax expertise of Warner and Company with the technology, innovation, and financial specialists of a Registered Investment Adviser.

Warner Financial Services, L.L.C. is registered with the state of New Jersey. Warner Financial Services, L.L.C. (WFS) owes a duty of loyalty to its clients. This duty requires that we act for the best interests of the clients and always place the clients' interests ahead of personal or firm-wide interests. Our mission is to work with clients on a life plan to assist them in achieving both their personal and financial goals. During the financial planning process we educate our clients on the various facets of their financial lives. We specialize in the following services:

Asset Management

Education Planning

Retirement and Investment Planning

Estate Planning

Cash and Liability Management

Asset Management

Over 90% of a portfolio's performance is based on the asset allocation of investments. How you allocate your investment dollars far outweighs the potential affects of security selection and market timing. Our asset management process begins with your consultation with a personal financial adviser to determine your risk profile, objectives and asset allocation policy. The investment process is designed to minimize risk while maximizing the potential return on your investments by diversifying across asset classes and within styles.

Education Planning

UTMA or UGMA, 529 Plans, Prepaid College Plans, U.S. Series EE Bonds, Coverdell Education Savings Account, Financial Aid - How do choose the right strategy for your family? Our advisers work with you to determine the best savings strategy for your individual situation.

Retirement and Investment Planning

Have you ever taken the time to consider your retirement goals? A summer home at the shore? Retiring at age 55? Whatever your future dreams may entail, our advisers can assist you in creating a path towards making these goals a reality. Through our Retirement and Investment Planning Services, we will assist you in determining your future income and capital needs based upon your financial goals and design the investment portfolio to get you where you want to be.

Estate Planning

While the estate tax law is becoming ever more complex, over 70% of Americans still do not have wills. The lack of an updated will can lead to probate and guardianship nightmares. For our clients in need of estate planning, we will work with you to minimize estate taxes, arrange future wealth transfers, and ensure that your final wishes are adequately documented.

Cash and Liability Management

For our clients who require assistance with managing a budget and insuring against personal and professional risk, our cash and liability management planning is designed to (1) assist you in budgeting and managing your cash flow and (2) determine if your professional and personal risks are adequately insured. We will also provide assistance with debt consolidation, refinancing, and lease versus buy analysis.