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Monday 9am - 5pm Tuesday 9am - 7:30pm Wednesday 9am - 5pm Thursday 9am - 7:30pm Friday 9am - 5pm

Ryan J. Marshall, CFP, AIF

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Ryan J. Marshall, CFP, AIF

Securities offered through Cetera Wealth Services LLC, member FINRA/SIPC. Cetera is under separate ownership from any other named entity.

Advisory services offered through Cetera Investment Advisers, LLC, a registered investment adviser.

11/01/2026

Leasing a car? Consider gap insurance to protect against losses that may not be covered by your current policy.

If you’re thinking of leasing a new car, then you shouldn’t forget about gap insurance.

10/30/2026

Year-end is a good time to take a closer look at your tax picture—before the calendar turns to January. 📅

Depending on your situation, there may still be planning opportunities worth discussing, including:

📊 Reviewing realized gains and losses
🔄 Evaluating whether a Roth conversion makes sense
❤️ Considering charitable giving strategies
💰 Reviewing retirement account contributions and distributions
🧾 Coordinating with your financial and tax professionals before year-end

Not every strategy is appropriate for everyone. The key is identifying which opportunities may apply to your situation while there is still time to act.

A little coordination before December 31 can help you head into tax season better prepared. ✔️

10/29/2026

Buy or lease—it's not just about the monthly payment. This calculator breaks down the full cost of each option so you can make a more informed decision.

Compare the true costs of buying versus leasing a vehicle to find the better fit for you.

10/27/2026

Supplementing your Medicare insurance doesn’t have to be confusing. Depending on your situation, you have a variety of options to choose from. Read more here:

There are numerous ways to supplement your Medicare insurance coverage. This article helps you explore your options.

10/25/2026

Turning to coaches for advice is a smart thing to do. We'd like to be one of those coaches.

Coaches have helped you your whole life, in ways big and small. We'd like to be one of them.

10/23/2026

As the year winds down, it's a great time to review how your retirement income is working together.
📋 Consider reviewing:
✔️ Social Security
✔️ Retirement account withdrawals
✔️ Investment income
✔️ Cash flow needs
Sometimes a few thoughtful adjustments before year-end can help keep your retirement plan aligned with your long-term goals.

10/22/2026

Might you need more coverage in retirement? This piece covers some good reasons to retain your insurance.

Reasons to retain your coverage into your retirement years.

$Did you hear about Aretha Franklin’s handwritten will? How did Frank Sinatra keep his family from contesting his \$100m ...$

10/20/2026

Did you hear about Aretha Franklin’s handwritten will? How did Frank Sinatra keep his family from contesting his \$100m estate? The examples of famous celebrities underline the need for a clear estate strategy.

The examples of famous celebrities underline the need for a clear estate strategy.

10/18/2026

Finding the proper insurance for your condo means knowing what is covered by the association’s insurance.

Important items to consider when purchasing condo insurance.

10/16/2026

If you're age 70½ or older and regularly give to charity, a Qualified Charitable Distribution (QCD) may be worth understanding.

A QCD allows eligible IRA owners to make charitable donations directly from their IRA and, for eligible individuals, may help satisfy Required Minimum Distributions (RMDs). ❤️
As always, it's important to determine whether this strategy aligns with your overall financial and tax plan.

Address

642 Wyckoff Avenue
Wyckoff, NJ
07481

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 7:30pm
Wednesday	9am - 5pm
Thursday	9am - 7:30pm
Friday	9am - 5pm

Website

http://www.elafinancial.com/

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