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Joe Maas

Synergy Financial Management, LLC

1 Blacksmith Rd

Whitehouse Station, NJ 08889



About Synergy Financial Management, LLC

Synergy Financial Management, LLC (SFM) is a financial planning and Registered Investment Advisory firm headquartered in Bellevue, WA. The firm specializes in providing fee-based comprehensive financial planning services and investment advice to individuals and businesses. Since Synergy Financial Management, LLC is a fee-based advisor; potential conflicts of interest regarding compensation are removed.

General Information

Firm Start Year


No.of Employees




Firm CRD#


Name of Custodial Firm

Charles Schwab, TIAA-CREF, Accessor, TD Ameritrade

States Licensed in

All states

Years of Experience in Financial Services


Number of Years with Current Firm


Work Experience

Synergy Financial Management, LLC PRINCIPAL/FOUNDER/CHIEF INVESTMENT OFFICER 2001-PRESENT Joe's diverse investment experience ensures the careful management of daily operations and diligent responsibility for the firm's portfolio management, strategic and tactical asset allocation, securities analysis, quantitative, fundamental, and statistical research, economic analysis, compliance, financial planning, risk management, business consulting, and financial modeling.

Synergy Financial Services, Inc PRESIDENT 1997-PRESENT Synergy Financial Services is the parent company of the Synergy family of companies: Synergy Financial Management, LLC , Synergy Business Valuation & Consulting, LLC, and Synergy Mergers + Acquisitions, LLC. Joe is responsible for all aspects of the company's diversified and integrated wealth and portfolio management service for business owners. Areas of specialty include certified business valuation, business financial planning and analysis, financial statement analysis, market analysis, user decision analysis, merger and acquisition analysis and execution, and investment analysis for commercial real estate portfolios.

Seattle Pacific University ADJUNCT FINANCE PROFESSOR Adjunct instructor for "Problems in Corporate Finance", BUS 4274. This course teaches future MBAs the myriad issues involved with real-world investment practices.

Financial Services Int'l Corporation SECURITIES BROKER DEALER PRINCIPAL 1997-2001 Owned and operated a branch office of an independent securities broker/dealer with accountability for daily operations, compliance, marketing, recruiting, and business development. Experienced and knowledgeable in every aspect of a securities broker/dealer's responsibilities including securities trading, underwriting, syndications, research, business consulting, fundamental and technical analysis, portfolio management, business transactions, tax planning, insurance planning, estate planning, options trading, risk management, and financial planning.

John Hancock Financial Services SALES MANAGER 1990-1997 Responsible for recruiting, training, and supervising registered financial services representatives, promoting their professional development, and expanding their sales unit.

I work with the following types of clients

Businesses, Individual Investors, Non-Profit Organizations

Foreign Languages Serviced

Spanish (some)


Investment Types

Alternative Investments, Mutual Funds, Options & Futures, Bonds, Stocks, Annuities, Insurance, Mortgages & Real Estate, Exchange Traded Funds (ETFs), Socially Responsible Investments (SRI)

I can meet clients in the following ways

Our Offices, At your home, Via Email, At my office, Via Phone, At your office, Video Conference


Registered Investment Advisor


I am an acknowledged fiduciary


Compliance Disclosures in Last 5 years

I have a clean record

Criminal Disclosures in Last 5 years

I have a clean record

Qualifications & Membership

Securities Licenses

Series 65

Insurance and Annuity Licenses

Health, Life, Annuity, Long Term Care, Disability

Firm Information

Firm's Number of Clients


Firm's Number of Planning Clients


Firm's Number of Managed Clients


Assets Managed by Firm


Advisor's Number of Clients


Advisor's Number of Managed Clients


Advisor's Number of Planning Clients


Assets Managed by Advisor


Compensation and Fees

Fee Structure


Compensation Methods


Fee % Based on Assets

.5 to 1.0%

Additional Details on Charges

Our fees are on a tiered scale, based upon the size of the account.


B.A. Finance -

Seattle Pacific University
1988 - 1990

Master in Financial Services MSFS -

American College
1998 - 2000