Main Street Financial Life Advisors, LLC

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About Us

Main Street Financial Life Advisors is grounded in founder Joe Roman’s roots as a CPA over the last 35 years. In 1999, he founded the firm as an SEC registered investment advisor to provide independent investment management and financial planning services to his clients who sought an alternative to the traditional broker/dealer commission-based relationships which were common at the time. Over the years, we have helped our clients eliminate conflicts of interest by providing them with a successful investment experience as a "fee-based" advisor. Our clients are a cross-section of high-net-worth individuals, families, professionals, retirees, business owners, executives and young entrepreneurs.

We take a customized approach to helping clients meet their goals.  Our highly qualified team is composed of investment professionals, many of whom are CPAs accredited with a Personal Financial Specialist (PFS) designation. CPA/PFS credential holders have met a specific and intensive experience, education and examination requirement that sets them apart from other CPAs and financial planners. Many of our professional team members have or are currently pursuing advanced degrees as a foundation to provide financial planning, taxation, estate planning, investment consulting and risk management services to  assist our clients in completing their financial picture.

We are a relationship-focused firm: we manage your wealth—having gained familiarity with your personal circumstances—as if it were our own. This has resulted in our enduring multi-generational relationships that have spanned many decades.

We appreciate the opportunity to provide our services and will work to earn your trust. As personal service providers, we strive to manage relationships with transparency and integrity under a fiduciary standard of excellence.

Main Street Financial Life Advisors, LLC ("MSFLA") is an SEC registered investment adviser located in Moorestown, New Jersey.  MSFLA and its representatives are in compliance with the current filing requirements imposed upon SEC registered investment advisers by those states in which MSFLA maintains clients. MSFLA may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. MSFLA’s web site is limited to the dissemination of general information pertaining to its advisory services.  Accordingly, the publication of MSFLA’s web site on the Internet should not be construed by any consumer and/or prospective client as MSFLA’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet.  Any subsequent, direct communication by MSFLA with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of MSFLA, please contact the SEC or the state securities law administrators for those states in which MSFLA maintains a notice filing.  A copy of MSFLA’s current written disclosure statement discussing MSFLA’s business operations, services, and fees is available from MSFLA upon written request.  MSFLA does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to MSFLA’s web site or incorporated herein, and takes no responsibility therefor.  All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly. Past performance may not be indicative of future results.  Therefore, no current or prospective client should assume that future performance of any specific investment, investment strategy (including the investments and/or investment strategies recommended or undertaken by MSFLA) or product made reference to directly or indirectly by MSFLA in its web site, or indirectly via a link to an unaffiliated third party web site, will be profitable or equal the corresponding indicated performance level(s).  Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for a client or prospective client’s investment portfolio. Historical performance results for investment indices and/or categories generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results. Certain portions of MSFLA’s web site (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, MSFLA’s (and those of other investment and non-investment professionals) positions and/or recommendations as of a specific prior date.  Due to various factors, including changing market conditions, such discussion may no longer be reflective of current position(s) and/or recommendation(s).  Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from MSFLA, or from any other investment professional. MSFLA is neither an attorney nor accountant, and no portion of the web site content should be interpreted as legal, accounting or tax advice. To the extent that any client or prospective client utilizes any economic calculator or similar device contained within or linked to MSFLA’s web site, the client and/or prospective client acknowledges and understands that the information resulting from the use of any such calculator/device, is not, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from MSFLA, or from any other investment professional. Each client and prospective client agrees, as a condition precedent to his/her/its access to MSFLA’s web site, to release and hold harmless MSFLA, its officers, directors, owners, employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receipt of personalized individual advice from MSFLA.

Main Street Financial Life Advisors, LLC ("MSFLA") is an SEC registered investment adviser located in Moorestown, New Jersey.  MSFLA and its representatives are in compliance with the current filing requirements imposed upon SEC registered investment advisers by those states in which MSFLA maintains clients. MSFLA may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. MSFLA’s web site is limited to the dissemination of general information pertaining to its advisory services.  Accordingly, the publication of MSFLA’s web site on the Internet should not be construed by any consumer and/or prospective client as MSFLA’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet.  Any subsequent, direct communication by MSFLA with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of MSFLA, please contact the SEC or the state securities law administrators for those states in which MSFLA maintains a notice filing.  A copy of MSFLA’s current written disclosure statement discussing MSFLA’s business operations, services, and fees is available from MSFLA upon written request.  MSFLA does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to MSFLA’s web site or incorporated herein, and takes no responsibility therefor.  All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

Past performance may not be indicative of future results.  Therefore, no current or prospective client should assume that future performance of any specific investment, investment strategy (including the investments and/or investment strategies recommended or undertaken by MSFLA) or product made reference to directly or indirectly by MSFLA in its web site, or indirectly via a link to an unaffiliated third party web site, will be profitable or equal the corresponding indicated performance level(s).  Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for a client or prospective client’s investment portfolio. Historical performance results for investment indices and/or categories generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results.

Certain portions of MSFLA’s web site (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, MSFLA’s (and those of other investment and non-investment professionals) positions and/or recommendations as of a specific prior date.  Due to various factors, including changing market conditions, such discussion may no longer be reflective of current position(s) and/or recommendation(s).  Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from MSFLA, or from any other investment professional. MSFLA is neither an attorney nor accountant, and no portion of the web site content should be interpreted as legal, accounting or tax advice.

To the extent that any client or prospective client utilizes any economic calculator or similar device contained within or linked to MSFLA’s web site, the client and/or prospective client acknowledges and understands that the information resulting from the use of any such calculator/device, is not, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from MSFLA, or from any other investment professional.

Each client and prospective client agrees, as a condition precedent to his/her/its access to MSFLA’s web site, to release and hold harmless MSFLA, its officers, directors, owners, employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receipt of personalized individual advice from MSFLA.

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