Good Neighbor Podcast: Bergen
Bringing together local businesses and neighbors of Bergen County
Good Neighbor Podcast: Bergen
Ep # 140-From Wall Street Myths to Real Financial Planning: How a Family-Built Firm Puts Clients First
What if your money was managed by people who see you at the Saturday game and care enough to call before the storm hits? We sit down with Christine Cox-West and Christopher Kenneally of Christopher Edwards Financial Associates to explore how true independence, fiduciary duty, and a rules-based, active process can reshape outcomes—especially when markets get loud and confusing.
The conversation starts with a rare origin story: lifelong friendships that became a firm, forged by a decision to go independent right before the 2008 crisis. That timing shaped everything. Chris breaks down their research-driven approach—outsourced analytics distilled by an in-house head of research—to tilt toward favorable asset classes and reduce downside in rough markets. No product quotas. No captive list. Just a clear mandate to protect capital, compound steadily, and avoid the “ride it out” trap that punishes investors nearing retirement. Christine brings a human lens, showing how full-spectrum planning—marrying insurance with investments, coordinating with tax pros and attorneys—turns confusion into clarity. From smart RMD guidance that relieved a retiree overnight to business-owner strategies that align entity structure, tax efficiency, and estate goals, the focus stays on real lives, not hype.
Across the episode, you’ll hear practical insights on active portfolio management, risk mitigation, and advanced planning that reduces taxes legally and transparently. You’ll also hear what makes a local, multigenerational practice durable: follow-through, straight talk, and an obsession with client peace of mind. If you’ve wondered whether an independent fiduciary, open-architecture model can both capture growth and soften drawdowns, this is your roadmap—crafted by neighbors who measure success in outcomes and trust, not headlines.
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Christopher Kenneally & Christine Cox-West
Christopher Edwards Financial Associates
Colts Neck Address
Colts Neck, NJ
9 Professional Circle, Suite 204
Colts Neck, NJ 07722
Office: (732)409-2644
Fax: (732)409-6731
Westwood Address
Westwood, NJ
345 Kinderkamack Road, Suite B, Westwood, NJ 07675
Office: (201) 383-0630
Fax: (201) 383-0633
christopheredwardsfinancial.com
This is the Good Neighbor Podcast, the place where local businesses and neighbors come together. Here's your host, Doug Drohan.
Speaker 04:Hey everybody, welcome to another episode of the Good Neighbor Podcast, brought to you by the Bergen Neighbors Media Group. I am your host, Doug Drohan. Today we have a very, very cool uh discussion and guests on the show from Christopher Edwards Financial Associates. Please welcome to the show Christine Cox- West and her colleague, who's our star of uh of Northern Valley Living this month. And it's Christopher Kenneally. Uh, welcome, guys, to the show, or ladies and guys. Uh, welcome to the show.
Speaker 01:Thank you for having us, Doug.
Speaker 04:Yeah, absolutely. So, you know, Christopher Edwards Financial Associates, it, you know, what you do is somewhat buried in the name, but um, I think, you know, there's an interesting story about uh, you know, how your firm was built because it's not like most financial services firms or most companies. I mean, I guess there's a lot of partnerships and family businesses, but what's you know, what's the story of how your your uh company was uh started?
Speaker 01:Uh so the abridged version, because it's it goes back quite away, was that uh my father, Chris Keneally Sr. and his late partner Ed Napar were high school friends. Um they stayed in touch, but you know, you lost a little bit of that through college, through early adulthood, having you know families and stuff. And then one day reached out to my dad to have dinner. He had recently started in the financial services uh business, and my dad basically said to him, and this is the story they tell all the time, listen, you can come over for dinner, but I'm not buying life insurance from you. But uh fast forward, I mean, probably three months after that, not only did he buy life insurance from him, Ed recruited my dad into the financial service business. He was previously in you know, office supply technology sales or something like that. Um, back back then when people were going door to door to sell selling printers and copiers to big businesses in the city.
unknown:Right.
Speaker 01:Um, that's kind of how it got started. Um, if you fast forward again another 10 years, roughly, they were top producers in that large cap insurance financial services model for that company for year in and year out. And as the you know the company started to put more, I wouldn't call it necessarily restrictions, but they were pretty clear in terms of what the products and solutions they wanted them to use. They pivoted and decided we're gonna go out on our own so we could provide um the best solution for our clients without being captive to any one one solution, one product, one idea. Um and that's when they created Christopher Edwards Financial Associates, and I believe that was the beginning of 2008.
Speaker 04:Okay. Oh, so you know, nothing much going on in 2008. Yeah, yeah.
Speaker 01:I don't think they expected quite what they were was on the horizon uh over the next six months to two to three years, but they weathered the storm. Um, I came into the business in I started in the insurance business as well, which is tied heavily into our practice in terms of full financial planning, but I started basically selling long-term care insurance in like 2011. Um, migrated over to working out of my dad's office in 2012, and then by 2014, I was licensed, uh, working with the firm. Uh, you know, Christine went to school for finance. She started in the business. I'll let her tell a little bit about that, but before she does, basically Christine's husband, Dave, was my college roommate. So we went from, you know, my dad is best buddy starting the company to me and my college roommate, one of my best friends in the world, beginning a ref what started as a referral relationship, um, and transitioned to a full-blown, at this point, partnership between us.
Speaker 04:Well, that's great. Yes, why don't we segue to you, Christine? So um, 2018 you joined the firm. Like, why why a finance major?
Speaker 02:Like what like what so uh I'm the only non-engineer in my family, and I have somewhat of that brain, but my dad said you're great at math, you should be an accountant. So that's what I did. I went to the College of New Jersey um for management and tax accounting, uh, actually the same college that Chris Sr. went to back when it was Trent State. So there's you know that little nice tie as well. And uh during one of my internships, we were auditing a uh very popular, you would know them, New York uh NFL football team. And I still didn't enjoy it. So I said, it's not gonna get more exciting than this. Um, I'm gonna have to, you know, find another uh career path for myself. And that's when financial planning sort of came into uh the picture from you know a college recruiter. And I think the education system does a much better job of it now. But back when I went to school, you know, being a financial advisor wasn't really one of the career options or career paths. Uh so you know, I found it intriguing. I thought it would be really cool working on Wall Street, doing all these, you know, all the trading. And then when you actually get into the job, you realize that a lot of it does start with insurance planning and and you know, the basic layer of foundation of someone's financial plan and working up towards helping them grow their wealth. So, you know, there was so much more to it that I didn't know about. And uh, so I started in 2011 again at just like uh Chris's dad at a large insurance firm with a broker dealer model. And uh about you know, when Dave, my husband, started doing more referral business with Chris uh in 2017 and 2018, we decided to leave and become independent and form a relationship with Christopher Edwards much more uh formally, and that's sort of where this all you know really blossomed.
Speaker 04:So I I thought a role uh a career in Wall Street was like you know, Jordan Belfort and uh scene with Mac and McClane.
Speaker 02:Well, I was not bad, but yeah, yeah.
Speaker 04:Um my dad worked on Wall Street and um as a kid in high school, I used to work with him in the summer. And I I grew up in Long Island, so I'd get on the railroad and we'd go into Brooklyn and take the uh two or the four train to downtown Manhattan. And um it was interesting because uh he wasn't a trader, but um, you know, I used to go to the New York Stock Exchange to my first job when I was 15, I was a runner, so I would go to the to the trading floors and pick up whatever it was I was picking up. I had no idea what they told me to pick up. You know, I guess the trading uh back then it was everything was paper for the most part. Um but it was interesting because I used to sit in the trading room and see these guys with the you know the ticker going and everybody just yelling things out and had no idea what they were doing. Uh that firm was more into arbitrage and um when truck stocks were still traded in in uh fractions rather than decimals. So I guess there was more of a spread. But um, you know, one of the things when I watch these movies, whether it's the boiler room or it's Wolf of Wall Street, or it's you know, obviously they never paint a good it's entertaining though. It's entertaining, but you're like, is it really like that? And I made the mistake of going to see Wolf of Wall Street with my dad because he actually knew Jordan Belfort, not personally, but he worked uh at one point at the end of his career. He worked for a firm out in Long Island, and I guess they did some of the trade the clearing for uh Stratford. And uh when we're watching the movie, all he kept saying to his me to me was like, It's a good thing your mother didn't come with us. It's a good thing.
Speaker 03:That's funny.
Speaker 04:You know, my father was um he goes to church every day. He's you know, uh we were you know pretty religious uh Catholics growing up, and it was like, oh god, I you know the movie was I I enjoyed it much better the second time I saw it without my dad. Um but but with that said though, you know, when you you know when you say I'm a you know financial advisor, I mean you're not saying you're a trader, I guess there are certain uh preconceptions and stereotypes. And um, what is it about your firm and about the approach that you guys take to managing money that might be different from traditional, like you mentioned, you know, I I know there's certain firms like Edward Jones and others where they can only trade certain uh products, right? If you come to if you go to your Edward Jones broker and say, hey, I want to buy this stock, what do you think that well they don't they're not allowed to buy that, right? Um so what is it about like what you guys do that's different? And I also want to touch um going back to 2008, because I, you know, there's a great um kind of mindset of the question of how do you face uh how do you react in the storm when you're facing the storm? How do you react to it? And a lot of businesses that I've interviewed on this show started during COVID or as a result of COVID, right? They either lost their jobs or they're working from home and they decided they wanted to pivot and try something else, and they decided during a you know a shutdown that that was the best time or the right time for them to start a business. But if you got through it, it just made you stronger. So uh just going back to my original question. So, what is it about what Christopher Edwards does that might be different from you know a stereotypical financial advisor firm?
Speaker 01:I think first and foremost, we're truly independent. Again, touching on what you said, what I said earlier, we're we're true fiduciaries, meaning our responsibility is truly in line with what we believe to be in the best interest of the client. So we could recommend any fund, individual security based on what we think would help get that client to their specific goals, right? We have we're not captive, we don't have to hit any quotas. Um, we have no trade costs, nothing like that. Um, so we're in line with the clients in terms of how we get how we treat them and how we get compensated. Um and I think the other thing, it's a true relationship business. Um, I mean, that sounds cliche, you'll probably hear that across the board from anyone, but the you know, we have a lot of third, fourth generation clients. My dad, Ed, uh did a great job of maintaining those relationships. Christine and I have kind of backfilled that with getting really to get there, no, uh getting to know their children, their grandchildren. So we have clients that have been with us for 25-30 years, um, since prior to before my dad and I even going independent. Um, and we continue to maintain and grow those relationships with each generation that comes. And I think that says just says a lot about us you know doing the right thing. We're, you know, it's we're not perfect, but we follow through on the things we say we're gonna do. And I think in the world today, you see less and less of that. Um, and and people truly appreciate it.
Speaker 04:Well, I think I think also in the article, sorry, Christine, uh, in Northern Valley of Living, you guys talk about how a lot of your neighbors might be your clients, right? Um, something I experience as being a business owner in Harrington Park. And uh I have a 12-year-old son, and uh I coach a lot of the sports, and there are people that I see at sporting events who are advertised with me, you know, and it's my reputation, it's my brand. It's you know, I have to, I'm not a fiduciary, but I I take that same approach that you know, I want you to succeed. Now, certainly, somewhat like the stock market, I can't promise, you know, uh results, but I could do my best based on past experience of of delivering uh, you know, the results that you're looking for. But you have like this, I don't know, deeper responsibility when they're you want your neighbors or your clients. Um sorry, Kristen, what were you saying?
Speaker 02:Yeah, no, that that's a great point. Um, what I was gonna add to that is, you know, there's a uh carve out of advisors that are fiduciaries with an RAA, sort of like our setup is, um, and they're already, I believe, you know, taking that next step of responsibility to their clients. Um, obviously, not all financial advisors are fiduciaries, so there's a point in that. And then there's um, you know, on the other side, the independent uh planner or person that focuses more on the risk management side, call it insurances across the board. And I think what we've done a really great job is of is marrying the two so that you know we're truly independent from all areas of financial planning. My um husband Dave, who supports a lot of the advanced uh strategies that incorporate insurance or business planning, uh, along with I believe my expertise as well, coming from an insurance carrier that you know was very high quality and we do a lot of sophisticated planning there. And alongside completely independent wealth management arm or uh organization, I think that's really unique, where someone can go and get unbiased information at a high level in all areas, especially for a firm our size. You know, a lot of times if you're getting that kind of advice, you have to go to a very large firm, it may be costly. Uh, I think that you know, we're we're doing something special. And I believe the model that we've created really will be more of the model for the future as regulation comes down and on on the industry because they want everyone to be more on the best interest side of things. So I think we're a little ahead of the curve on in that arena.
Speaker 04:Nice. So aside from from that, you also um offer something called advanced business planning services and strategies. So uh what you know, what does that uh entail?
Speaker 02:So a lot of that is alongside attorneys and trusted uh tax professionals using the tax code and and the business structures that people um have to maximize their income tax, capital gains tax exposures, um, create legacies, uh, along with an attorney, create a really great estate plan that passes the money to either the next generation or charities that people are inclined to give to. Uh, and not handing so much over to the federal government or the state government. Obviously, we're all good Americans. We want to pay our fair share. Um but it's not necessary to pay more than you have to. And with great planning, you know, you can leverage solutions, whether, you know, obviously there's some products that sometimes need to be used for those solutions, but the goal is the the strategy and the solution, and then you know, backfilling it with okay, what what uh tool, what financial tool are we going to use to make this happen? So uh my husband Dave does a lot of that advanced planning um on that side, but there's you know I think a high level of sophistication across the board and in areas that most advisors may not be utilizing.
Speaker 04:Right, right. No, that makes sense. Um yeah, like you said, nobody's looking to cheat, but you certainly don't. You want to find the no, we live in the black and white.
Speaker 02:We're not we're not gray advisors, no.
Speaker 04:Yeah, no, but but there's so many, you know, tax laws change all the time. I mean, there's new bills and and different things that happen all the time when it comes to not only business strategy, but retirement planning and how much you can um you know countr contribute to your 401k or solo 401k and things like that, depending on on your age. And and a lot of these things change so often. And and me as a you know, as a lay person, you know, you can't keep up with that. So I get it. Now, let me ask you guys this. Now, we've obviously since you know, for a long time now, uh since 2010, really, when we came out of the financial crisis, the market has just been going up and up and up and up and up, and we're breaking records like every year with the SP or the Dow or the NASDAQ. Um, and my father, I mentioned, you know, he's been in, you know, he started in Wall Street in the 60s. Uh, he's seen it all, right? And you know, the saying what goes up must come down. And, you know, back in 2007, we thought housing was definitely the place to be, and you know, real estate, and then it all crashed. Um, you know, certainly the um, you know, COVID was different, and luckily that wasn't too big a an issue economically um after a while for most companies, not everybody. So, where do you see like should you be worried that a correction's coming? Because I've been hearing about this correction for years. Uh, recession's coming, recession's coming, and it's never come. And despite some statistics, the market seems to just ignore a lot of these things and it keeps going up. So if you were conservative the last three or four years, thinking, ah, you know, I don't want to be caught in the downturn, you've lost out, you know. But it is I know you can't predict anything, but what do you say to um your clients now that uh you know that may think that the good times are running forever and then nothing's, you know, it's always going to be an upward trajectory.
Speaker 01:That's a good question, Doug. So I I guess I'd start by saying I think clients and people in general have obviously are exposed to a lot more information nowadays than they used to be. Well, my dad and his partner, late partner, had started this business, right? So my experience in it is I get a lot more what I guess sounds like sophisticated questions from I read Barons to I was watching N MSNBC today, and there's just so much information out there that it's hard for a client or someone who's not particularly familiar with markets, how they work, how they operate, um, to really understand. So within that, we try to just guide people again. I can't predict when and if the market is going to correct over the next three, six, twelve months. I mean, but to your point earlier, generally speaking, what goes up does go down. Now, does it go down and and do we have another 2008? I don't know. I don't foresee something like that severe happening anytime soon. But again, the way we do it is rules-based. So we have uh we have an outsourced research team that we use, and then we have an in-house research head of research, we call him. And what our in-house research person does is he gathers all that really sophisticated information that we get from our outsource team. He's a calculus professor by trade, he gets the math, he gets the real numbers behind it. He comes back to myself and Christine and kind of breaks it all down, and then we make our investment decisions based off of that, right? So um we're actively managed portfolios, meaning we don't believe in a traditional um buy and hold model. You know, I'm I'm 30, I want to retire at 65, I'm moderately aggressive. Okay, so we're gonna go 70% stocks, 30% bonds, and then we'll, you know, we'll adjust that when you hit 50. Um, we don't do it that way because of the prior experience that my dad and Ed went through going independent and then being faced with the 2008 financial crisis right away. Um, that's kind of how our firm hit the initial, I'll call it for boom, because we outperformed significantly during that time. They had a different research partner at the time, but they were able to mitigate a lot of the losses that happened in the market. So we had clients coming in at that point from a lot of the, you know, nothing wrong with these places, but from a lot of the big wire houses you hear about Morgan, Merrill, because those are a lot of those people were told just ride it out, just ride it out. Whoa, when you're 50 and you say if you lose, if you lose 50% of your money, you need a hundred percent to get even. So the math doesn't math. It could take quite a while to get a hundred percent just to get even, right?
Speaker 04:Right.
Speaker 01:So we're not day traders, but we are active managers. We take all the data that we get, um, we have numerous signaling processes, and I'm not gonna get get into all the nuances behind the math and the numbers, but we use that as a guide, and basically the end result of that is just trying to give our clients the highest probability of success within whatever that data is telling us. So we look at the economy, we look at the market signals within each type of economy, within each type of market, certain asset classes are gonna historically outperform others. Again, it's not perfect, but we're we're setting it up as a looking at probabilistic outcomes. Right from a probability standpoint, if we're using our process, we're sticking to the rules more times than not, our clients are gonna benefit from that. Yeah.
Speaker 02:I think I think your dad always said it great. You know, we're risk managers first, money managers second. So affecting that downside um risk that a client may take on, you know, if we can perform similarly to other advisors and do it with a lot less exposure, yeah. Well, that's you know, that's a huge difference. And I think that's you know, one of our goals is to never have to have that conversation with a client that they lost a significant amount of their money. It's not worth that risk if we can do it a better way.
Speaker 01:Yeah, if if the SP is up 25% and we did 22% that year, and these are just made-up numbers, right?
Speaker 04:Yeah, yeah, I got it.
Speaker 01:Not many people are gonna get mad at us, right? But if the market is down 50 and we're down 50, we're gonna get a lot of unhappy customers. So we're very um cognizant of that. Um and that's how we ended up where we are now. You know, in 2000, my dad was at you know, the large cap insurance carrier, but he was dealing with a whole bunch of mutual funds, you know, best of breed funds is what they call, and they would screen all the funds, but when you're doing that, you're still outsourcing the management to those mutual fund managers, right?
Speaker 03:Right.
Speaker 01:Um, the market was down roughly 50% in 2000. My dad's clients were down roughly 25. So, relative, that's still a good job. But guess what? They still weren't very happy, and that was kind of the line of line where they were like, we're gonna take on more of this management ourselves. So either way, it's on us. I don't have to go out and then say, Well, I picked a fund who's being managed by XYZ, and the performance isn't reflecting what you expected, but it's out of my hands, you know.
Speaker 04:Yeah, right.
Speaker 01:That's why we do all of our, you know, our portfolio management in-house. Um, that same head of research I mentioned, he kind of spearheads that. Him and I sit together on a daily basis and we go through where we're at, where we think we're going, what we hold, what we're looking to increase, decrease, add, remove entirely. And uh, it's a very, you know, very nuanced process with a lot of moving parts, but we kind of have it down where it's just him and I could sit for an hour and we know boom, boom, boom, boom. Okay, yeah, let's, you know, let's get to work, let's go get on the phone with the clients.
Speaker 04:Yeah. So I want to pivot a little bit. Uh, we're running out of time. So uh, you know, non-business wise, well, I mean it is business wise, but what is it? I'll start with you, Christine. Like, what is it that you love about what you do?
Speaker 02:I think it's as simple as helping people. Obviously, I you know, love what I do. I think it's very interesting. Um, but my biggest wins are when a client is moved or really appreciates the work I did. And, you know, I I a couple comes to mind, they came in and they were they were great, you know, had a great life financially, pretty good. Um, but it was the finances that was the one problem in their marriage. Um, and it was a very emotional first meeting. I felt like I was almost a therapist. And you know, at the end of the day, one spouse was taking on the burden and the other spouse was in the dark. And that was hard. Neither one was wrong, but it was, you know, a tremendous amount of stress. And um, we had a recent review with them, and they walk in like they're like floating on on cloud nine, you know, like lovebirds, and it's just like hearing, I think they spent the first 20 minutes, you know, appreciative and telling us telling us how it changed their marriage. And you know, that that was really special to me. I another client two weeks ago, um he hit an older gentleman retired, and he's telling me how his RMDs are gonna really, you know, crush him in retirement. And I stopped him and I said, What do you what do you think RMDs are? And you know, he had totally misunderstood it from his past advisor that all the money he took from his required minimum distribution was money for the government. And I explained that no, it's just the money that you're gonna take out of your qualified plan, and that's gonna get taxed, but that's not all gonna be handed over to them. And I I could hear like this, you know, the the weight of an elephant's leg lift off his chest, and he, you know, he was my god, the relief I I know he gave me and I gave him, and he was so grateful. And you know, it's little things like that, you know, it doesn't really matter what kind of client they are, you know, big or small, you know, for us, hearing that is like the the biggest reward I can get um in this business. So that's what I love about this.
Speaker 04:That's great. And what about you, Chris?
Speaker 01:Hard to top that answer. Uh it's a yeah, it at the end of the day, it's always about the clients and relationship. I personally, and this is why I think Christine and I um and the rest of our team compliment each other so well. Like, if you asked me 10 years ago, my answer would be different than what it is now. I spend a lot of my time now, like dealing with the nuances of the market and portfolio uh strategy, which I that wouldn't, I would have said more on the client side if you asked me 10 years ago. Now, I have you know, we have a fairly large legacy book, Buying the Business from My Dad, that we service, we talk to. I'm on the phone all day with these clients. But I do enjoy, I find it very interesting how the market, how the economy, how all that stuff moves together, and again coming to those probabilistic outcomes. But at the end of the day, this business was created on relationships and all that stuff is cool and it's fun, you know, and it's like engaging. And I feel like I just, you know, but when you see the lights go on your clients' faces and they worked so hard for 25, 30 years, yeah, and they're comfortable and don't have to worry about taking their kids and grandkids on a vacation to, I don't know, to Europe for 10 days, right? And like you helped them get there just with a little bit of strategy, a little bit of moving and shaking here and there, and they could say thank you, because if you if you're not, you know, if you didn't hadn't advised me to do this 10 years ago, I wouldn't have had this extra $25,000, $30,000 to take my whole family away. And that's just one of many examples when you're like, all right, I'm doing something that is meaningful. It's you know, you hear finance, you you think Wall Street, right? You think fast moving money, this money. But we're dealing with real people. Most of our, you know, we have do we have some high net worth clients? Of course. But most of our clients are families, individuals, small businesses. You know, they started point A, maybe they just got married, maybe they just had their first kid, bought their first home, they want to get to point B to point C, and they want to feel comfortable and just have a peace of mind. And that's really when I break it down, the most important thing, giving my clients a financial peace of mind that they could enjoy what they've worked so hard for.
Speaker 04:Yeah, that's great. So, what's what's the best way to get in touch with you if somebody's listening to this and they want to have a conversation?
Speaker 01:Good question. I mean, my our Westwood office phone number is probably the best. Um, I don't know, should I give the number? I don't want to do a 201-383-0630. I mean, you know, it's 2025, most of us using our cell phones a lot, too, but but someone is always here, at least while the market's open. So if if Christine or I aren't in the office, one of our staff will get back to us. It's probably the easiest, you know, neutral point to get to someone. Um you can check out our website, ChristopherEvertsfinancial.com. We're on Facebook and LinkedIn um right now. And we're just really starting with any kind of marketing efforts. I think when we talked about for the magazine, I told you that we're we're that's one thing we're behind the curve on. We don't have a big name like the Morgan's, the Merrills, the Edward Jones. So, like a lot of our businesses is referral-based. And that's the best compliment someone can give, you know, when a family or friends or neighbor refers you someone that means something to them.
Speaker 04:Yeah, yeah, absolutely. Well, this was great. Thank you, uh, Christine and Christopher. This is a great talk, and I, you know, I could pick your brain some more about stocks and things and ETS, but uh kick out on that. So we're just gonna have um a guy I call Chuck is just gonna take us out, and you and I will be right back.
Speaker 00:All right. Thank you for listening to the Good Neighbor Podcast. To nominate your favorite local businesses to be featured on the show, go to gnpbergen.com. That's gnpbergen.com or call 201 298 8325.