Our Fiduciary Obligation to You
Many people do not understand what fiduciary means- placing the interst of the client first!
Many people are not aware of the differences between a Financial Advisor and an Investment Advisor. Let's breifly review these differences.
Let's start with financial advisors. First of all, there is no legal definition of a financial advisor. Anyone can call himself or herself a financial advisor. There are no licenses or requirements to be a financial adisor.
Financial advisors are not a fiduciary and are not required to place the interest of you first.
Any investment recommendations only have to be suitable for you, but not necessarily the best one for you.
Let's now discuss an Investment Advisor.
First of all, he or she must be registered with the Securities and Exchange Commission or a similar state regulator.
An Investment Advisor is a fiduciary and is required to place the interest of you first.
Investment recommodentations must be in your best interest, not just suitable for you.
We are a Registered Investment Advisory firm with the Securities and Exchange Commission. We have always been a fiduciary and have always placed the interest of our clients first- now and always!
MEET OUR TEAM
Download our “Meet Our Team” brochure
Howard entered the financial services profession in the late 1970`s. Since then he has seen many different markets and has developed a specialty working with retirees and those about to retire. He has taught adult education in New York, at Briarcliff College and Hofstra University and in Florida at the University of Miami and Florida International University’s Elder Institute. The focus of these classes was to show a pre and post retiree how to help lower the overall risk of their assets, how to help avoid common mistakes and how to potentially increase their income in retirement. In 1987 he started his own firm, Integrated Financial Services, in Uniondale, New York, which specializes in "Retirement Management". Retirement Management deals with the financial and non-financial concerns of retirees. This allows Howard to use his experience and expertise to help guide seniors in their investment planning, insurance planning and life planning.
In 1995 his son Ira joined him. In 1996 Ira started Integrated Financial Designs, Inc. in Southern Florida which held monthly workshops in Boynton Beach.
Separately, Howard is registered to offer securities. He is also licensed to sell insurance products. He is a member of the Financial Planning Association and a member of the Financial Services Institute. Howard is also listed in the Foxington "Who’s Who for Executives and Professionals" as well as the 2002-2003 American Registry of Outstanding Professionals*. In 2005 Integrated Financial Services and Integrated Financial Designs, Inc merged into Materetsky Financial Group, Inc.
Howard shares his dual residency with his wife Rolene, spending half their time in New York and the other half in Florida. This allows Howard to accommodate his clients in both states. One son, Ira, is his partner and his other son Steven is a pediatrician in New Jersey. Howard has three grandchildren, Michael, Olivia and Sam.
* Third-party rankings and recognitions are no guarantee of future investment success and do not ensure that a client or prospective client will experience a higher level of performance or results. These ratings should not be construed as an endorsement of the advisor by any client nor are they representative of any one client’s evaluation
Ira Materetsky, CFP®
In 1996, after working with his father, Howard, who had a retirement management practice in New York Ira moved to Florida and established Integrated Financial Designs, Inc.
Ira is a CERTIFIED FINANCIAL PLANNER™ professional and educator in the South Florida area. He has presented retirement seminars held at the University of Miami and Florida International University Elder Institute. In 2005 Integrated Financial Services and Integrated Financial Designs, Inc merged into Materetsky Financial Group, Inc.
Materetsky Financial Group is a member of the Better Business Bureau of Palm Beach County. Ira`s practice focuses on "Retirement Management" which deals with both the financial and non-financial concerns of retirees. This allows him to use his expertise in investment and insurance planning for seniors.
Ira is a registered securities principal and holds appropriate securities and insurance licenses. Ira is a CERTIFIED FINANCIAL PLANNER™ professional, and his associations include The American Association for Long Term Care Insurance, The Financial Services Institute and The Financial Planning Association, and he is a lifetime member of the American Registry of Outstanding Professionals.*
Ira is a little league coach in the Lake Worth area and resides in South Florida with his wife, Starr and their son, Michael.
Matthew J. Welsh, M.S., CFP®
Matt joined Materetsky Financial Group in 2012. Prior to joining Materetsky Financial Group, Matt attended Florida State University where he graduated with a Master of Science in Finance with a focus on investment valuation and analysis. During graduate work at FSU Matt, served as a manager for the program’s investment fund directing the investment strategy and providing macroeconomic research to the FSU Foundation.
Matt has also received his B.S. in Finance from Florida State University. During his undergraduate work he made the Dean’s list and earned scholarships and honors from the College of Business Alumni, Finance Department, and the Sigma Alpha Lambda Honor Society.
Matt is a registered securities principal and holds appropriate securities and insurance licenses. Matt currently resides in South Florida but travels between our New York and Florida offices working with clients in both states.
When he isn’t working Matt can be found working on his golf game, enjoying the beach, or spending time with his family.
Thomas B. Gau CPA, CFP®
Thomas Gau has worked with Howard and Ira since 2002. In 2018, Tom merged his financial planning practice with Materetsky Financial Group. He has been practicing as a Certified Financial Planner ™ professional for over 30 years. He has a BS and MBA and is also a Certified Public Accountant. Tom has authored many books on the IRA distribution rules and has been quoted in various financial publications.
Tom has been featured as one of the top 100 independent financial advisors in Barron’s in 2008, 2009, 2010, 2011, and 2013. He was also ranked as “#1 Financial Advisor in Oregon” by Barron’s in 2013.
He has also been quoted in one of the top 10 best sellers called The Tipping Point.
Tom is also an educator. He has been teaching the public since 1983 and through his popular and highly regarded public seminars, he is a knowledgeable motivational speaker on topics relating to tax, estate planning, retirement income and financial planning, especially relating to retirement distributions.
Tom coaches several hundred financial advisors each year, through the Academy of Preferred Financial Advisors, Inc.
Gary S. Haft, CEP
Gary Haft began his career in the Insurance Business in Florida in 1980 and specializes in working with Retirees. He specializes in Long Term Care Planning and Medicare and works with clients on their Retirement Planning, Estate Planning.
Gary is a member of the National Assn of Insurance & Financial Advisors (NAIFA) along with the Florida Assn of Insurance & Financial Advisors (NAIFA-Florida), and is the current President of the local, NAIFA-Broward Association of Insurance and Financial Advisors since 1991.
In early 2003, Gary joined Howard and Ira Materetsky CFP® to improve the resources available to him in his practice of Retirement Management.
Gary holds life and health insurance licenses. His designations include Certified Estate Planner (CEP) and is a member of the American Academy of Certified Estate Planners (AACEP), the American Association for Long Term Care Insurance (AALTCi), and the American Association for Medicare Supplement Insurance (AAMSI).
Gary has been a South Florida resident since 1973 and currently lives in Coral Springs with his wife Mindy. Their son Jason graduated New York University in December 2010 and currently resides in Astoria, New York and is a Company Manager of a Broadway show in New York City.
Mark Furman, RFC
Mark Furman started in the financial services business in the late 1980`s.
With his background in economics and finance he developed a specialization in investment and risk planning for seniors and is a specialist in the area of distribution planning and long term care planning.
Concentrating his practice in the area of Retirement Management, which is the financial and non-financial concerns of retirees, he is an industry educator, and among others has taught continuing education to major accounting firms such as Albrecht, Viggiano and Zureck, CPA®`S, LLP on Long Island and Lazar, Levine & Co. LLP in New York City. He has also lectured to the elder law chapters of the Nassau and Suffolk County Bar Associations on the subject of Long Term Care Planning and Medicaid planning. In 2000 Mark joined Howard and Ira Materetsky CFP® and merged his investment planning practice to increase the resources available to him in his practice of Retirement Management.
Mark is a Registered Financial Consultant and holds appropriate securities registrations and insurance licenses. He is a member of the Financial Planning Association, the Financial Services Institute, and International Association of Registered Financial Consultants, and is listed in the 2006-2007 edition of America's Registry of Outstanding Professionals.* He also holds a position on the Curriculum Advisory Board of the Plainview-Old Bethpage school district.
As a hobby, Mark is also an NCAA Softball Umpire for the AAC and East Coast Conference, and also for the NYSPHSAA for Nassau County High Schools as well as ASA and USSSA Travel Ball.
Mark currently resides on Long Island with his wife Sheryl. They have two adult children, Melissa, an Elementary School Teacher, and Michael, an ASE Certified Auto Technician. Mark has 2 Grandchildren, Blake and Dylan.
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*Third-party rankings and recognitions are no guarantee of future investment success and do not ensure that a client or prospective client will experience a higher level of performance or results. These ratings should not be construed as an endorsement of the advisor by any client nor are they representative of any one client’s evaluation.