Donn Sharer

Personal & business insurance agency focused on helping people protect their lifestyles.

CFP ChFC CLU at Sharer & Associates Inc in Millstone Township, NJ

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About

Cute, quick, cheap -- that's the predominate message these days in the auto & home insurance market. Most people haven't looked at their insurance policies and even fewer understand them or know where the coverage gaps may lie. When you think about it, getting a quote for the same coverages you have today is really like rolling the dice. It's all fun & games until something happens. We believe we're different. Our agents take the time to understand your family's lifestyle, to make sure it's protected should something happen. While this often results in saving money, it's even more important to make sure you have the right coverage and you're stretching your insurance dollars as far as possible. Our clients tell us that they appreciate having one person own their question or their issue and they love having somewhere to turn when they have a claim situation. Send us an email, give us a call, or stop by -- we'd love to visit with you!

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(732) 446-4919

sharerandassociates.com

Address

500 State Route 33 Suite 1D in Millstone Township, NJ 08535

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Best Answers

Q&A

Asked by Daniel

First time home buying is daunting. What levels and types of insurance should a first time home owner get?

Upvote 4
Answers 1

Answered by Donn Sharer
CFP ChFC CLU in Millstone Township, NJ

Hi Daniel - Congratulations! First-time home buying can be daunting and it’s probably why many people don’t take the time to learn how their homeowner insurance wor...

Home Purchase Loan Homeowners Insurance Borrowing Insurance

Q&A

Asked by Lynn

I was told that a whole life policy may be better than term since I will be able to get all my premiums back in 35 - 30 years. Is that true?

Upvote 4
Answers 6

Answered by Donn Sharer
CFP ChFC CLU in Millstone Township, NJ

Thanks for your question Lynn. While I can't speak specifically to PA, I can say that I'm not aware of a "return of premium" feature for whole life policies. That said...

Budgeting Insurance Life Insurance Taxes

Q&A

Asked by Edna

Is there a rule of thumb for how much homeowner's insurance you should have, or what percentage of your income should go to insurance?

Upvote 5
Answers 1

Answered by Donn Sharer
CFP ChFC CLU in Millstone Township, NJ

The short answer is "not really". Rules of thumb often provide useful shortcuts for us Edna. They can also be misleading, especially if your situation deviates from t...

Homeowners Insurance Insurance Other Insurance

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Specialties

Annuities
Automotive
Commercial
Home, Renter's, Condo
Life

Long-term care
Marine
Motorcycle
Small Business

Servicing

New Jersey

Credentials

Licenses

Series 7

License # 2055118 The Series 7 license is known as the general securities representative (GS) license. It authorizes licensees to sell virtually any type of individual security. As of February 18, 1992

Series 63

The Series 63 license, known as the Uniform Securities Agent license, is required by each state and authorizes licensees to transact business within the state. All Series 6 and Series 7 licensees must carry this license as well. As of February 25, 1992

Series 24 - General Securities Principal

As of February 18, 1993

Series 65

The Series 65 license is required by anyone intending to provide any kind of financial advice or service on a non-commission basis. Financial planners and advisors that provide investment advice for an hourly fee fall into this category, as do stockbrokers or other registered representatives that deal with managed-money accounts. As of November 2, 1995

Associations

Financial Planning Association

Member October 2003 – present

Society of Financial Service Professionals

Member June 2005 – present

Certifications

Certified Financial Planner (CFP)

The Certified Financial Planner (CFP) designation is a professional certification mark for financial planners conferred by the Certified Financial Planner Board of Standards (CFP Board)[1] in the United States. The CFP® certification process, administered by CFP Board, identifies to the public that those individuals who have been authorized to use the CFP® certification marks in the U.S. have met rigorous professional standards and have agreed to adhere to the principles of integrity, objectivity, competence, fairness, confidentiality, professionalism and diligence when dealing with clients..

Chartered Financial Consultant (ChFC)

ChFC® (Chartered Financial Consultant®): The ChFC® designation has been a mark of excellence for almost thirty years and currently requires nine college-level courses, the most of any financial planning credential. Average study time to earn the ChFC® exceeds 450 hours. Required courses cover extensive education and application training in financial planning, income taxation, investments, and estate and retirement planning. Additional electives are chosen from such topics as macroeconomics, financial decisions for retirement, and executive compensation. ChFC® designees must meet experience requirements and adhere to continuing education and ethical standards. The credential is awarded by The American College, a non-profit educator founded in 1927 and the highest level of academic accreditation.

Chartered Life Underwriter

CLU® (Chartered Life Underwriter®): Since 1927, the CLU® has been the respected risk management credential for advisors. Designees have completed eight or more college-level courses representing an average study time of 400 hours. Topics for required courses include insurance and financial planning, life insurance law, estate planning, and planning for business owners and professionals. Elective courses include such advanced topics as income taxes, group benefits, retirement planning, and health insurance. CLU® designees must meet experience and continuing education requirements and must adhere to a high ethical standard. The mark is awarded by The American College, a non-profit educator with the top level of academic accreditation.

Background

Experience

Field Vice President

American Express Financial Advisors (Ameriprise) March 1990 – July 1998

Senior Vice President

MetLife Securities August 1998 – May 2003

Vice President - Financial Planning / Institutional Markets / Field Development

MetLife August 1998 – May 2003

President

Capital Professional Advisors LLC April 2004 – February 2005

President

Sharer & Associates Inc March 2005 – present

Education

Northwestern University

Bachelor of Science - Industrial Engineering/Management Science 1983

University of Minnesota

Masters of Business Administration 1992

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Topics Answered

Home Purchase Loan x 1

Budgeting x 1

Homeowners Insurance x 2

Borrowing x 1

Insurance x 3

Life Insurance x 1

Taxes x 1

Other Insurance x 1

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Donn Sharer

About

Contact

Address

Info

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Best Answers

First time home buying is daunting. What levels and types of insurance should a first time home owner get?

I was told that a whole life policy may be better than term since I will be able to get all my premiums back in 35 - 30 years. Is that true?

Is there a rule of thumb for how much homeowner's insurance you should have, or what percentage of your income should go to insurance?

Specialties

Servicing

Credentials

Licenses

Series 7

Series 63

Series 24 - General Securities Principal

Series 65

Associations

Financial Planning Association

Society of Financial Service Professionals

Certifications

Certified Financial Planner (CFP)

Chartered Financial Consultant (ChFC)

Chartered Life Underwriter

Background

Experience

Field Vice President

Senior Vice President

Vice President - Financial Planning / Institutional Markets / Field Development

President

President

Education

Northwestern University

University of Minnesota

Topics Answered

Reviews
0 Reviews

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0 Endorsements