Lawrence Raff
Regional Director / Investment Advisor Representative
Who:
Lawrence Raff (Larry). Born to Marvin and Jane Raff the day after President John F. Kennedy was assassinated. Jane was a 1st grade NJ public school teacher and Marvin was a Saxophone player in his youth and an investment advisor/executive from 1959 - 2017. I started in the investment business after completing a Bachelor of Arts degree [with a double major of Business management and Economics] from New England College in New Hampshire and in Arundel, England. During my time in college, I participated in an internship in the insurance business in 1985 after passing the NJ Life and Health insurance examination and a FINRA securities examination in 1982 (summer after high school graduation). I currently live in Randolph NJ with my wife and children. I have attained various securities registrations/designations over my 30 plus year calling in the financial services industry. They include the following: Series 6, Series 63, Series 26, Series 7, Series 24, Series 51 and the Certified Retirement Counselor. I am also registered as an Investment Advisor Representative. I have been servicing my Clients and mentoring other advisors during my career, working alongside my father until 2017 when he passed away. I continue as Regional Director of Cetera Advisor Networks to serve the needs of my clients in my regional office in Cedar Knolls, NJ.
Why:
Growing up in a household, listening to and meeting Marvin’s clients over the years, it became apparent from a young age that I wanted to follow in Marvin's footsteps. Many clients became family friends, and the personal relationships even transferred to the next generations. The feeling of joy that Marvin had, knowing that he helped his clients to afford among other things, sending children to college as well as providing a comfortable retirement income from the investments that he put in place, was the feeling I wanted to have for myself. I have successfully been able to duplicate Marvin’s success for myself and my clients during my career. I have made many personal relationships throughout my career from relationships that started as business contacts. Solving financial problems and guiding clients along a path of financial independence gives me a sense of accomplishment and making new friends along the way is why I am in the position I’m in today. Of course doing right for my clients has also proven to do right for me. I have followed in Marvin’s footsteps as I have become a successful financial advisor as was my father.
Growing up in a household, listening to and meeting Marvin’s clients over the years, it became apparent from a young age that I wanted to follow in Marvin's footsteps. Many clients became family friends, and the personal relationships even transferred to the next generations. The feeling of joy that Marvin had, knowing that he helped his clients to afford among other things, sending children to college as well as providing a comfortable retirement income from the investments that he put in place, was the feeling I wanted to have for myself. I have successfully been able to duplicate Marvin’s success for myself and my clients during my career. I have made many personal relationships throughout my career from relationships that started as business contacts. Solving financial problems and guiding clients along a path of financial independence gives me a sense of accomplishment and making new friends along the way is why I am in the position I’m in today. Of course doing right for my clients has also proven to do right for me. I have followed in Marvin’s footsteps as I have become a successful financial advisor as was my father.
How:
I am affiliated with Cetera Advisor Networks as a Regional Director. Cetera is a Broker/Dealer with a home office in CA, and supports thousands of financial professionals throughout the country. Cetera has a very large financial product list for me to utilize. Cetera and I are both aligned and focused on clients, we share the highest regard to fiduciary and ethical standards. Cetera offers accounts directly with product sponsors as well as Advisory and traditional brokerage accounts. From simple to complex client needs, I can match investments to help meet each individuals’ needs. Cetera has also invested heavily into technology to give me cutting-edge tools to help me to identify client risk tolerance as well as to help with product selection.