Back to top

Douglas J. Lyons, CFA, CFP®, CDFA™

Maintains the most respected credential in the Financial Industry...CFA designation.

Douglas J. Lyons Financial Group Inc.

Red Bank

NJ

Contact Me

Overview

Services

Advisor Services

  • Financial Planning
    • -Estate Planning
    • -Comprehensive Financial Planning
    • -Retirement Planning
    • -College Planning
    • -Charitable Planning
    • -Other Financial Planning
  • Pension Consulting
    • -401k
    • -Defined Benefit
    • -Other Pension Consulting
  • Portfolio Management
    • -Individuals and/or Small Businesses
    • -Businesses or Institutional Clients

Funds

Funds Used With Clients

Firm Client types

Qualifications

Experience

No timeline events available.
Employer Years Dates
Trident Wealth Advisors 7 years, 5 months Mar 2010 - Present
Ubs Financial Services 1 year, 8 months Jul 2008 - Mar 2010
UBS Financial Services Inc. 8 years, 2 months May 2000 - Jul 2008

Designations & Memberships

  • Financial Planning Association
    Membership
    Financial Planning Association
    The Financial Planning Association (FPA®) is the largest membership organization for personal financial planning experts in the U.S. and includes professionals from all backgrounds and business models. We help connect thousands of consumers to competent and ethical planners who uphold the FPA Standard of Care.
  • Certified Divorce Financial Analyst
    Designation
    Certified Divorce Financial Analyst
    Individuals holding this designation act as an advisor to one party's divorce lawyer, or as a mediator for both parties. Knowledge of tax law, asset distribution, and short and long-term financial planning are utilized to achieve an equitable settlement.
  • Certified Financial Planner
    Designation
    Certified Financial Planner
    A standard certification for advisors, designees are exposed to nearly 100 topics on integrated financial planning. Major topics include, but not limited to: insurance, employee benefits, securities, state and federal tax, estate tax and planning, asset protection, etc.
  • Chartered Financial Analyst
    Designation
    Chartered Financial Analyst
    Widely considered the gold standard for investment professionals, this six decade old charter is only given to designees who can demonstrate competence, integrity, and dedication to the field of investment management.

Articles and Answers

Insights by Douglas Lyons

Sector Rotation as an Investment Strategy
Published 2012-04-09 12:58:57
Will Divorce affect your Social Security?
Published 2014-11-04 12:18:13
Preparing Financially for Divorce
Published 2013-09-30 11:26:32
Roth 401(k) - New Benefits
Published 2013-04-25 08:50:25
Divorce - 5 Financial Mistakes
Published 2013-02-08 13:12:55
Divorce & Retirement
Published 2013-02-08 13:09:54
VIX - The Fear Gauge
Published 2012-09-11 09:39:29
Behavioral Finance & Your Portfolio
Published 2012-08-07 10:45:29
Tax "Gain" Harvesting 2012
Published 2012-06-07 07:12:31
Roth IRA in a rising tax environment.
Published 2012-03-08 11:28:48
Important Documents & Records
Published 2012-03-07 12:01:21
Target Date Funds - Business Owners Beware
Published 2012-03-07 11:41:10
    *Articles are published by advisors without compensation.

    Answers

    Ask a financial questionAsk a question
    On average, how much of my stock portfolio should be in international stocks?
    Russ is right that you will get different perspectives on the percentage allocation of international stocks in your portfolio. That's becasue a portfolio allocation has to be very personalized. For some, 30 to 40% may be appropriate, but for others as little as 5 to 10% may be right. You also need t...  (more)
    Answered Apr 2012
    Selling mutual fund shares in order to invest in ETFs or a Target Date Fund?
    Sean makes some good points Jane. Target Date Funds also have what is called a glidepath. The glidepath is the change in allocation from a more equity oriented portfolio to a more bond oriented allocation in order to make the portfolio more conservative as you age. The problem is that there is no st...  (more)
    Answered Apr 2012
    Do I have to wait the 5 years to withdraw money from my Roth 401k tax-free if I was over 59 1/2 when I started contributing?
    With a Roth 401(k) the first qualified withdrawal (without penalty) begins 5 years from the first year of your first contribution to the plan. In your case, the year you were age 60. In contrast, for a Roth IRA, the 5 year period begins in the year to which your first contribution was attributable. ...  (more)
    Answered Jun 2012
    If futures and options are such risky investments, in what situations does it make sense to invest in them?
    Gabrielle, great question. Futures were originally created as a hedging vehicle. For instance, a farmer that wants to lock in a price for his corn crop could use the futures market to sell in the future at today's "spot" price. This is a relatively safe way to use the futures market. However, buying...  (more)
    Answered Jun 2012
    Roth IRA contribution options?
    It is allowed but you don't necessarily want to do it. Combining an annual contribution with a recent Roth conversion account will jeopordize your ability to recharacterize the ROTH back to an IRA. You may want to recharacterize back to an IRA if you've lost money in the account. Why? Because you pa...  (more)
    Answered Feb 2012
    Time to invest in the Euro?
    Tread cautiously when investing in currencies. More professional investors have been humbled by currency investing than by any other investment. That’s because so many factors can make an impact, from political to demographics to business cycles and much much more. True the Euro may get a bump from ...  (more)
    Answered Feb 2012
    What is a 457 plan?
    Raleigh, in short, a 457 plan is very similar to a 401(k) plan with which you are familiar. The 457 plan does have some interesting differences. For example, a 457 allows you to contribute up to the maximum amount of $17k (2012) while at the same time contributing the same max. $17k to a 401(k) plan...  (more)
    Answered Mar 2012
    Can a retiree contribute to an IRA if spouse is still working?
    Yes, you can make an IRA contribution of up to $5,000 for 2012 (plus another $1,000 since you are over age 50) provided you and your wife file a joint return and your wife’s earned income equals or exceeds your combined IRA contributions. The deductibility of your IRA contribution, as the nonworking...  (more)
    Answered Apr 2012
    Can I invest in Gold in my IRA?
    The answer is no, well maybe. Gold falls under the prohibited “collectibles” investment category within an IRA. The IRS defines collectibles as Artworks, Rugs, Antiques, Metals, Gems, Stamps, Coins, Alcoholic beverages, and certain other tangible personal property. However, per IRS Publication 590, ...  (more)
    Answered Feb 2012
    Can I make salary-deferral contributions to two employer-sponsored 401k plans?
    The short answer - it is an aggregate number. So no matter how many 401(k)s you are participating in the maximum contribution you can make for 2012 is $17,000 (plus $5,500 catch-up contribution for those over age 50)....  (more)
    Answered Apr 2012
    Can I withdraw funds from an annuity before I am 59 1/2?
    I certainly agree with David's comments and I add one additional caveat. Many annuities include a surrender charge depending on how long you've owned your annuity. Check your annuity contract to make sure you are past the surrender period. If not, annuities generally allow a certain amount (%) to be...  (more)
    Answered Feb 2012
    Can my 16-year-old make a Roth IRA contribution?
    Randy, I agree with Eve that earned income is required and that a Roth IRA is more likely a better choice than a Traditional IRA for your 16 year old. This assumes his/her tax rate today will be lower than his/her tax rate upon withdrawal. (More than plausible given she/he is only 16.) Were this not...  (more)
    Answered Feb 2012
      *Answers are submitted by advisors without compensation.

      Licenses & Conducts

      SEC
      U.S. Securities and Exchange Commission
      • license status
        Registered
      • disclosures
        None
      • as of date
        Mar 13, 2017
      FINRA
      FINRA
      • license status
        Not registered
      • disclosures
        None
      • as of date
        Mar 13, 2017
      Review the status and details of the disclosures noted above using the SEC's Investment Advisor Public Disclosure website:

      Assets

      Advisor

      Last updated on March 15, 2017
        • $11.0M
          Total Assets Under Management
        • $0
          Total Assets Under Advisement
        • 35
          number of clients
        • $314.3K
          Estimated Average Account Balance Per Client

      Douglas J. Lyons Financial Group Inc.

      Last updated on March 2, 2017
        • $12.5M
          Total Assets Under Management
        • N/A
          Total Assets Under Advisement
        • 51
          Accounts
        • $246.0K
          Estimated Average Account Balance

      Fees

      Types of Compensation Arrangements