Chartered Financial Services, LLC

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Chartered Financial Services, LLC Financial advisor serving Warren and beyond with comprehensive wealth management services, helping you craft custom strategies for your financial future.

Licenses & State Registrations



Chartered Financial Services conducts business in the following states:




Life Insurance: AZ, CT, DC, FL, GA, IL, MA, NC, NH, NJ, NY, PA, TN

Property & Casualty Insurance: AZ, CA, CT, DC, FL, IL, MA, ME, MI, NJ, NY, OH, PA, TN, TX, VA




CA Insurance License


"Prudential Advisors” is a brand name of The Prudential Insurance Company of America and its subsidiaries. Life insurance and annuities are issued by The Prudential Insurance Company of America, Newark, NJ, and its affiliates. All are Prudential Financial companies and each is solely responsible for its own financial condition and contractual obligations. The availability of other products varies by carrier and state. Prudential is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status, or any other characteristic protected by law. EEO IS THE LAW. The Prudential Insurance Company of America, Newark, NJ and its affiliates. Prudential is an Employer that participates in E-Verify.

Life changes, and your financial plan should be able to evolve with it.Whether you've experienced a career change, welco...
10/22/2026

Life changes, and your financial plan should be able to evolve with it.

Whether you've experienced a career change, welcomed a new family member, approached retirement, or simply have new priorities, taking time to review your financial strategy can help ensure it continues to support your goals.

Learn more about how personalized financial planning can help you stay on track: https://cfs-planning.com/financial-planning/

Medicare costs and coverage can change from year to year, making regular reviews important. 🩺 Read the blog to learn abo...
10/20/2026

Medicare costs and coverage can change from year to year, making regular reviews important. 🩺 Read the blog to learn about key Medicare changes coming in 2027 and what they could mean for your healthcare expenses.

Medicare costs are changing again in 2027, and whether you’ll pay more depends largely on your coverage.

10/16/2026

Not all heroes wear capes.
Some just click "Report Phishing" and carry on with their day. πŸ˜‚

πŸŽƒ The Halloween season is officially underway!This marked our first Trunk or Treat of the year. Emma dressed as Sleeping...
10/15/2026

πŸŽƒ The Halloween season is officially underway!

This marked our first Trunk or Treat of the year. Emma dressed as Sleeping Beauty, Olivia was Elsa, and there was no shortage of candy, costumes, and fall fun.

We're excited for the upcoming events and all the memories that come with this special time of year. Hope everyone is enjoying the season as much as we are! πŸπŸ‘‘πŸ¬

πŸ’§πŸ‚ Did you know that 696 million people around the world still lack access to clean water? Access to clean water can imp...
10/14/2026

πŸ’§πŸ‚ Did you know that 696 million people around the world still lack access to clean water? Access to clean water can improve health, increase school attendance, create economic opportunities, and empower women and children.

That's why Chartered Financial Services is proud to support charity: water, an organization that has helped bring clean water to more than 21.6 million people through over 209,000 projects worldwide.

Learn more about the causes we proudly support: https://cfs-planning.com/philanthropy/

What happens to your IRA when you pass away?The rules for inherited IRAs changed significantly after the SECURE Act, and...
10/13/2026

What happens to your IRA when you pass away?

The rules for inherited IRAs changed significantly after the SECURE Act, and those changes could impact your beneficiaries and their tax obligations.

In this video, we cover the 10-year rule, spousal vs. non-spousal beneficiaries, and why keeping your beneficiary designations updated is so important.

πŸŽ₯ Watch now to learn more.

What happens to your IRA when you pass away? And how have the rules...

We're proud to share that John and Nina are attending this year's MDRT Top of the Table event in beautiful Terranea, Cal...
10/12/2026

We're proud to share that John and Nina are attending this year's MDRT Top of the Table event in beautiful Terranea, California.

John has been a member of MDRT for 22 years and has qualified for the prestigious Top of the Table distinction for the last eight consecutive years. This event brings together some of the most accomplished financial professionals from around the world to exchange ideas, insights, and best practices.

From educational sessions and networking opportunities to memorable moments like the annual fun run and stunning California sunsets, it's been an incredible week of learning and connection.

Congratulations, John and Nina, on representing Chartered Financial Services among the industry's best!

10/09/2026

POV: Your coworker has known you since birth. πŸ˜‚β€οΈ

Claiming Social Security at 62 isn't always a mistake, and waiting until 70 isn't always the right move. πŸ“Š Read the blog...
10/06/2026

Claiming Social Security at 62 isn't always a mistake, and waiting until 70 isn't always the right move. πŸ“Š Read the blog to explore the factors that can help guide this important retirement decision.

There is no "right" age to take Social Security β€” just the right age for you and your individual situation.

October is Financial Planning Month, a great reminder to take a step back and evaluate whether your financial strategy i...
10/01/2026

October is Financial Planning Month, a great reminder to take a step back and evaluate whether your financial strategy is aligned with your goals. From retirement and investment planning to managing life's transitions, having a plan in place can help provide clarity and direction.

Learn more about our personalized financial planning approach: https://cfs-planning.com/financial-planning/

Address

30 Technology Drive, Ste 1Q
Warren, NJ
07059

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+18005496007

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