Focus Wealth Advisors, LLC, Registered Investment Advisor

Focus Wealth Advisors, LLC,   Registered Investment Advisor Our objective at Focus Wealth Advisors, LLC, is to integrate the various aspects of financial planning through all stages of your life.

Financial Planning/Portfolio Management
Ric Bertsch CFP® President
Joseph Folis ChFC® APMA℠ Vice

"The investor’s chief problem—and even his worst enemy—is likely to be himself.”
—Benjamin Graham Each client's wealth management strategy is a customized one-of-a-kind plan. As Registered Investment Advisors we must adhere to the following practices:
1. Fiduciary Responsibility; we must act in the in

vestor's best interest in all aspects of the financial relationship.

2. Full disclosure of all conflicts of interest prior to providing financial advice.

*Services not available in all states and jurisdictions.

"The financially savvy also most often turn to a financial professional to improve their financial knowledge, with 37% s...
04/21/2026

"The financially savvy also most often turn to a financial professional to improve their financial knowledge, with 37% saying they use a financial professional to learn about money. That’s compared to just 21% of financial beginners."

Only 40% of Americans are extremely or very confident in their ability to make and execute financial decisions, according to a Corebridge Financial survey.

"RMDs have ripple effects. They can push savers into higher Medicare income surcharges known as Irmaa and help raise the...
04/03/2026

"RMDs have ripple effects. They can push savers into higher Medicare income surcharges known as Irmaa and help raise the 3.8% surtax on net investment income, while shrinking the medical-expenses deduction. If one spouse dies and the other inherits the IRA, that can raise the survivor’s top tax rate."

Disclaimers are one way to tackle tax problems and family wealth-planning issues posed by inherited IRAs.

Americans' credit card debt hits record $1.13 trillion
03/19/2026

Americans' credit card debt hits record $1.13 trillion

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02/21/2026

*** HOW TO SPOT, and STOP, IMPOSTER SCAMS ***
Investment scammers are getting more savvy and increasingly personal. They may pose as investment professionals, leaders of trusted financial institutions all to gain your confidence and trust. With vigilance and a few tips on imposter tactics and techniques, you can recognize these fraudsters and steer clear of their traps.

Here are 4 signs to watch out for:
• Too-good-to-be-true offers. If you're getting an unsolicited investment offer, especially one claiming guaranteed or unusually high returns, watch out. Opportunities that sound too good to be true probably are.
• High-pressure tactics. Messages or social media ads that demand your attention are trying to press your panic button. Don't fall for any urgent requests to act immediately to "protect" your account, avoid losses, or accept a special offer.
• Contacts from out of the blue. Unexpected messages you receive through social media, messaging apps, texts, or emails you didn't initiate are often a good sign you're being targeted by a fraudster.
• Access and download requests. Think twice if you receive any requests to download software, share one-time passcodes, or allow remote access to your device. You never want to give fraudsters access to your accounts or private information.

If you encounter any of these:
Stop. Don't give out or confirm any personal information (even if they already have it). Never send money, open new accounts, or take any action without stopping to verify what you are doing is legitimate. We'll never contact you through social media or messaging apps to offer investments or request personal information.

Drop. Scammers can't reach you if you disengage. Hang up the call, ignore the chat, swipe past the ad, or leave the group and then block the phone number or profiles so they can't contact you again. Then report the incident as spam or scam to the company or platform where you received It.

"only about 27% said they've researched or compared insurance rates in the past year."
02/20/2026

"only about 27% said they've researched or compared insurance rates in the past year."

High home insurance rates are straining Americans' budgets as they enter 2026. A new survey from Insurify found that 59% of policyholders said their costs increased last year, and 57% have made financial sacrifices to help pay for coverage. In 2025, the average annual cost of home insurance reached....

Over 3/4 of older savers wish they understood the power of compounding interest and the benefits of maximizing contribut...
02/18/2026

Over 3/4 of older savers wish they understood the power of compounding interest and the benefits of maximizing contributions at a younger age.

54% of Gen Xers and 39% of boomers still misunderstand how compounding interest works.

More than half believe their 401(k) plan will provide predictable monthly income like a paycheck, setting unrealistic retirement expectations.

A recent study reveals a surprising generational divide in retirement planning and looks at how generations differ in their approach.

When health insurance costs more than the mortgage
02/10/2026

When health insurance costs more than the mortgage

When Noah Hulsman, who owns a skate shop in Louisville, Kentucky, learned he no longer qualified for federal subsidies to help him pay for his "gold" Affordable Care Act health plan, the 37- year-old opted for skimpier coverage. Loretta Forbes realized she would have to drop her plan after her month...

Address

P. O. Box 2067
Ocean City, NJ
08226

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 4pm
Friday 9am - 5pm

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