ALL CHALLENGES
Jason M. Kolinsky, CFP®

Avatar Image
I am an investment advisor representative with Kolinsky Wealth Management, LLC (KWM), SEC-registered investment advisor, and life and health insurance producer and chief compliance officer for Kolinsky Financial Group, Inc. I joined the firm in 2007 and am a registered representative and a registered principal with American Portfolios Financial Services, Inc. I obtained my Certified Financial Planner™ certification in 2012.

At KWM, I focus on financial planning strategies and wealth management solutions for businesses and individuals. I am also the practice leader for the Retirement Consulting Division, which focuses on providing fiduciary investment guidance to plan sponsors and participants of qualified retirement plans.

My professional memberships include Top of the Table at the Million Dollar Round Table and the Financial Planning Association. I oserve as treasurer of both the Ramsey (NJ) Chamber of Commerce and Rockland Council on Alcoholism and Other Drug Dependence. I hold a B.S. in business administration (finance concentration) from Ramapo College of New Jersey, and reside with my wife Carolynn in Ramsey, NJ.

Advisory Services offered through Kolinsky Wealth Management, LLC an independent Registered Investment Advisor, Securities offered through American Portfolios Financial Services, Inc., Member FINRA, SIPC, Kolinsky Wealth Management, LLC is not affiliated with American Portfolios Financial Services, Inc.

Certified Financial Planner Board of Standards, Inc.® owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

This material is for informational purposes only. Neither Kolinsky Wealth, APFS nor its Representatives provide tax, legal or accounting advice. Please consult your own tax, legal or accounting professional before making any decisions.

  1. Failing to plan is planning to fail. Create a financial plan for yourself and your family. This plan should have clearly defined goals that can be tracked over time. Just having a financial plan in place puts you ahead of 75 percent of the population!e (A recent study by Charles Schwab found that only 1 in 4 people have a written plan).
  2. Track your expenses by creating a budget. Understanding where your money is being spent is crucial to achieving financial freedom. Start by setting up an Excel spreadsheet or downloading a personal finance app such as MINT to track expenses. Monitor your budget month to month so you maintain awareness of your spending habits.
  3. Save for your future. A general rule of thumb is that you should save 15 to 20 percent of your annual income for retirement.

Challenges by Jason