WJL Financial Advisors
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
WJL Financial Advisors serves individuals (including high-net-worth clients), small businesses, charitable organizations, trusts and estates with comprehensive financial planning, portfolio guidance, tax planning and annual tax preparation, as well as hourly, as‑needed engagements. The firm does not sponsor wrap‑fee programs and generally provides non‑discretionary portfolio guidance rather than acting as a discretionary portfolio manager.
The firm follows an academic‑based investment approach that emphasizes low‑cost, passively managed mutual funds and ETFs across equities, fixed income and cash, with asset allocation tailored to client goals, time horizon and risk tolerance. WJL integrates tax planning and prepares clients’ federal and state tax returns as part of its service model, and it requires client approval before executing trades so clients retain implementation control.
WJL reports approximately $374 million in assets under advisement and maintains six offices, an unusually broad physical footprint for a team of its size, and it generally bills via fixed annual and hourly fees instead of percentage‑of‑AUM charges common among peers. The advisory team includes multiple CFPs, enrolled agents and other credentialed professionals with backgrounds in corporate finance, accounting, actuarial work and international markets, and the brochure discloses ancillary activities (insurance sales and executive coaching) that the firm addresses as potential conflicts.
Client services
Expertise
Occupation focus
Fee options
Initial Working Session fixed fee of $1,000
Insurance products recommended may generate commissions to the advisor
$250 per hour
Fee-only: Annual Advisory Services fee ranging from $1,500 to $10,000 per year; Hourly fee of $250 per hour; Tax preparation fee range $250 to $750 annually; Initial Working Session fixed fee of $1,000
Main office
See officeMorris Plains NJ
Advisors at this office
1
Offices (6)
Most active in
Connecticut · Florida · Maryland · Minnesota · New Jersey · New York · Pennsylvania
Also doing business as
Wjl Financial Advisors · Wjl Financial Advisors, 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 active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Advisors at this firm
Steven P
Series 63, Series 65
Milford, NJ
WJL Financial Advisors
Steven Pardonner is a financial advisor at WJL Financial Advisors with eight years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Pfs Investments Inc. and Primerica Financial Services. Outside of advising, he is a product manager at Vonage Holdings Inc. WJL Financial Advisors serves individuals, small businesses, charitable organizations, trusts, and estates with comprehensive financial planning, portfolio guidance, and tax services. The firm employs an academic-based investment approach focused on low-cost, passive funds and emphasizes client approval before trade execution.
James M
Series 65
Chatham, NJ
WJL Financial Advisors
James Maher is a financial advisor at WJL Financial Advisors with one year of industry experience. He holds a Series 65 designation and has prior work experience at Renaissance Reinsurance US Inc and Columbia University. WJL Financial Advisors serves individuals, small businesses, charitable organizations, trusts, and estates with comprehensive financial planning, portfolio guidance, and tax services. The firm employs an academic-based investment approach focused on low-cost, passively managed funds and integrates tax planning within its service model.
William L
CFP®, Series 65
Morris Plains, NJ
WJL Financial Advisors
William Lachance is a CFP® with 12 years of industry experience and has been with WJL Financial Advisors since 2013. He holds a Series 65 license and also works as a health and life insurance agent. WJL Financial Advisors serves individuals, small businesses, charitable organizations, trusts, and estates with financial planning, portfolio guidance, and tax services. The firm employs an academic-based investment approach focused on low-cost, passively managed funds and emphasizes client approval before trade execution.
James M
CFP®, Series 65
Greenwich, CT
WJL Financial Advisors
James Moore is a CFP® with nine years of industry experience and has been with WJL Financial Advisors since 2017. He holds a Series 65 license and is based in Greenwich, CT. WJL Financial Advisors serves individuals, small businesses, charitable organizations, trusts, and estates with comprehensive financial planning, portfolio guidance, and tax services. The firm employs an academic-based investment approach focused on low-cost, passively managed funds and emphasizes client approval before trade execution.
Sudha A
Series 65
Denville, NJ
WJL Financial Advisors
Sudha Anand is a financial advisor at WJL Financial Advisors in Denville, NJ, holding a Series 65 credential and with four years of industry experience. She has worked at WJL Financial Advisors since 2021 and previously was involved with Little More Innovation PTE Limited. Anand also provides executive coaching services to business leaders. WJL Financial Advisors serves individuals, small businesses, charitable organizations, trusts, and estates with financial planning, portfolio guidance, and tax services. The firm employs an academic-based investment approach focused on low-cost, passive mutual funds and ETFs, integrating tax planning and requiring client approval for trades.
Michael G
CFP®, Series 65
Montclair, NJ
WJL Financial Advisors
Michael Garrett is a CFP® and holds a Series 65 license with 23 years of industry experience. He has been with WJL Financial Advisors since 2024 and previously operated under his own name from 2001 to 2024. WJL Financial Advisors serves individuals, small businesses, charitable organizations, trusts, and estates, providing comprehensive financial planning, portfolio guidance, tax planning, and tax preparation. The firm uses an academic-based investment approach focused on low-cost, passively managed mutual funds and ETFs, and emphasizes client approval before trade execution.
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor’s Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and introductions are provided by FinanceHQ LLC (“FHQ”), a wholly-owned subsidiary of Warmer and an SEC-registered investment advisor. We receive compensation from certain participating advisors for introductions or referrals. This creates a conflict of interest because we have an incentive to recommend advisors who compensate us, including those who pay us more. You pay no fee to use our matching service, and advisor fees are not increased because of a referral or introduction. We do not review the ongoing performance of advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to our Terms of Service and Advisory Agreement, and acknowledge our Privacy Policy. Please review FHQ’s ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. (“Warmer”)