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Guided Wealth Management and Investment Planning

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Our Services

We create strategies that are tailored to your needs and goals.

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Vanguard Research

Putting a value on your value: Quantifying Vanguard Advisor's Alpha

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Our Team

Trust. Honesty. Integrity. We believe values matter, and we live by ours every day.

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Welcome To Cutler Financial Services, LLC 

Cutler Financial Services, LLC is a privately owned wealth management firm located in Ramsey, NJ. The two principals of the firm are the father and son team of Richard and Craig Cutler.

With over 35 years of combined experience, Richard and Craig pride themselves on providing quality independent advice. The financial professionals at the firm focus on wealth management and financial planning. Helping clients develop customized financial planning and investment strategies is at the core of their business.

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Planning For A Brighter Future

"Are all of your investments working together? Will you have enough retirement income? How will inflation impact your retirement lifestyle? These are crucial questions that we can help answer"
Richard A.Cutler, CFP®.

"We sit down and learn about each client and come back to them with a customized investment strategy based on each individual's goals. We pride ourselves on hard work, loyalty,and personal service."
Craig R.Cutler, CFP®.

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Midyear Outlook 2019: FUNDAMENTAL: How to Focus on What Really Matters in the Markets


The LPL Research Midyear Outlook 2019: FUNDAMENTAL: How to Focus on What Really Matters in the Markets is here to provide economic and market guidance as well as investment recommendations to help us navigate the second half of 2019.

View the complete publication.


"Remember, what does 'retirement' mean? It doesn't mean that you're a couch potato. Leisure is not the same things as rest. If you're bicycling five miles a day, that's leisure, but it certainly takes a lot of effort."


Robert Fogel

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