Panorama Financial LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Panorama Financial LLC provides discretionary and non‑discretionary portfolio management and standalone financial planning to individual and high‑net‑worth clients. The firm is a recently formed, solo‑practitioner adviser with a relatively small client base and no stated account minimum.
Panorama builds Investment Policy Statements using modern portfolio theory and tailors allocations to each client’s goals and risk tolerance, employing long‑term, short‑term and margin strategies where appropriate. The firm combines asset‑based investment management with separate financial‑planning engagements that may be billed on a fixed or hourly basis, and it generally requires clients to custody assets with Altruist.
Compared with peers, Panorama’s service mix is notable for offering portfolio management to both non‑HNW and HNW individuals while also providing one‑time financial plans on fixed or hourly terms—features that are uncommon among similar firms. The firm recommends a broad set of investment types, including private placements, venture capital interests, real‑estate funds, precious‑metal ETFs and margin trading, yet it is not registered as a private‑fund adviser, which can entail distinct liquidity and operational considerations for clients.
Client services
Expertise
Fee options
Fixed financial planning fees negotiated between $1,800 and $5,000
$0 - $500,000: 1.25% $500,001 - $1,000,000: 1.00% $1,000,001 - $2,000,000: 0.80% $2,000,001 - $3,000,000: 0.65% $3,000,001 - $5,000,000: 0.45% $5,000,001 - AND UP: 0.35%
Hourly fees for financial planning between $175 and $300 per hour
Fee-only: Fixed fees for financial planning between $1,800 and $5,000; Hourly fees between $175 and $300 per hour
Main office
16 03 Jordan Road
Fair Lawn NJ 07410-5243
Advisors at this office
1
Most active in
New Jersey · New York
Also doing business as
Cheransky, Paul · Panorama Financial LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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