Protection first; financial balance; becoming a world class saver. These are the core concepts that Certified Financial Services and Douglas Dubitsky want to help you achieve.
Douglas Dubitsky strives to provide his clients with financial balance, financial organization and, of course, financial confidence. “My goal is to create a strategy from a position of strength and that means protection is at the core of everything. You can’t worry about your tomorrows until you protect your todays and that comes down to utilizing a comprehensive financial strategy.”
It is this Protection First Wealth Strategy that Doug and Certified Financial Services bring to fruition for individuals, families and small businesses.
For the last 25 years, Doug has spent his career creating and designing client-focused protection and income strategies for some of the largest insurance companies in the world. Over the course of his career, he has worked with the best and brightest in the industry at firms such as McKinsey, Equitable, New York Life and Guardian Life. At two of these firms, he served as chief of staff to the CEO. Now as a financial professional, he has brought all that knowledge and experience with him to Certified Financial Services, an established wealth management firm headquartered in the heart of Bergen County, which has been providing its clients with financial guidance for over 35 years.
A key reason for joining CFS was the ability to leverage The Living Balance Sheet ® with his clients. The Living Balance Sheet ® is a proprietary platform that offers a holistic overview of your personalized financial picture, and journey, all in one place. The step-by-step approach shows the simple logic and order of financial decision-making that help you reach your goals and achieve financial balance.
Financial Balance ® is permission to live your life the way you want to live it and not be handcuffed by the fear that you will run out of money, because you have already protected the foundation of your life and built your own financial infrastructure. “Before you worry about your rate of return, before you worry about what you are putting your money into, make sure you save.” Becoming a world-class saver is something Doug can’t stress enough, and he values strategies that facilitate savings while providing protection, growth and liquidity.
The earlier you start exploring optimal strategies the better off you are going to be. “This is all about time and consistency. It’s not what we do occasionally that shapes our lives. It’s what we do consistently.” But people should not think that it’s too late either. “There are always opportunities to improve where you are and better enhance your situation.” This applies equally to all stages of life, be it young couples looking to build for the future, established families who want to preserve and grow their assets, or retirees focused on creating guaranteed income plans that one can’t outlive.
Doug guides his clients on how to take advantage of strategies that give “multiple jobs” to every dollar. What matters, he explains, is how a person best positions, prioritizes and maximizes his or her assets, to create a foundation of balance, organization and protection that can allow them to build the life they desire. “This is about progress and not perfection. Start with the foundational issues and build from there,” Doug emphasizes.
“Teamwork and resources are critical to providing clients with the best of everything.” That is why Doug joined Certified Financial Services. With close to 40,000 clients on its roster, CFS maintains a vast network of professionals at its disposal and has the resources to address any issues that arise. “I’m never alone working in this and that’s the whole goal for the clients – to have an advocate with access to a myriad of resources and the benefit of having experience across the spectrum of financial needs and financial strategies.”
Douglas Dubitsky works with individuals, families and businesses to reach optimal financial health. To learn more about how he can help you, your family or your small business, call him at 917-716-7269, email him at [email protected] or visit www.CFSLLC.com
Douglas Dubitsky is an agent of Certified Financial Services, an agency of The Guardian Life Insurance Company of America® (Guardian), New York, NY. This material is intended for general use. By providing this content The Guardian Life Insurance Company of America and your financial representative are not undertaking to p
By Jewish Link Staff
rovide advice or make a recommendation for a specific individual or situation, or to otherwise act in a fiduciary capacity. 2023-149442 1/2025
