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Emerald Financial

A goal is easier to reach when you have someone by your side helping you all along the way. Emerald Financial was built on a solid foundation of excellent client service and in-depth financial services knowledge. We are committed to understanding what is important to you. Armed with an understanding of what you want out of life, we recommend and implement financial strategies to help you attain your goals – that’s our ultimate goal.


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Who We Are

Located in Bridgewater, New Jersey, and with satellite offices in Colts Neck, Clifton and Englewood Cliffs, New Jersey, Emerald Financial is here to provide you with the services and resources you need to help you realize your dreams and achieve your goals. Our associates - many of whom hold the Chartered Life Underwriter (CLU), Chartered Financial Consultant (ChFC) and Certified Financial Planner® (CFP®) designations, or hold advanced educational degrees - are supported by a team of professional staff with many years of combined experience, including financial and retirement services, estate planning, charitable giving, business insurance, executive compensation, employee benefits, products and strategies.

We help individuals and business owners grow and protect wealth by implementing premiere, quality products and providing exemplary service. Our associates speak seven different languages, making us able to assist people from various backgrounds.

How We Can Help

We can help you achieve financial freedom in a complex and constantly changing world. We do so by honing in on what is most important to you, and designing strategies tailored to help you achieve those goals. We take an orderly and disciplined approach. Our four-step process of analyzing, recommending, implementing and reviewing your strategy will help ensure you get on course to achieving your goals, and remain on course as life unfolds.

Our Commitment

To Our Clients
At Emerald Financial, we understand the importance of educating individuals and business owners about various financial products and services to best suit their unique needs. We conduct various seminars, including businessKillers®2, Pearls of Wisdom and additional financial education platforms. We also sponsor LifeBridgeSM seminars to educate qualified individuals on free life insurance offered by MassMutual, and are proud to have distributed over $9.6 million in free1 life insurance as part of MassMutual’s LifeBridgeSM Program.

To the Community
We are deeply committed to improving the quality of life in the communities we serve. This April 2014, we will hold our 5th Annual Emerald Bikes 4 Kids event, in which we raise funds to donate bicycles, helmets and locks to approximately 150 students in Bergen County. We intend to continue this highly-successful event and are optimistic that we can donate even more bicycles to other well-deserving children. Our hope is to expand this initiative to our satellite offices in Colts Neck and Clifton and their respective communities.

1 MassMutual pays the premiums (as of 12/31/13).

2 businessKillers® is a trademark of Lighthouse Strategic Projects Group, Inc., Langhorne, PA. Producers must be registered representatives of MML Investors Services, LLC, and be licensed to use the businessKillers program. Lighthouse Strategic Projects Group, Inc., is not an affiliate or subsidiary of MML Investors Services, LLC.

MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its affiliated companies and sales representatives. Local sales agencies are not subsidiaries of MassMutual or its affiliated companies.

Securities, investment advisory and financial planning services offered through qualified registered representatives of MML Investors Services, LLC, Member SIPC.

Financial Services Representatives are independent contractors and are not employees of MassMutual, its subsidiaries, or of General Agents with whom they contract.


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© 2014 Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001. All rights reserved.