XCELFCU Federal Credit Union
XCELFCU Federal Credit Union
XCELFCU Federal Credit Union

Meet Roy

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Roy A. Schoenfeld, CRPC®

Private Wealth Advisor,
Investment Advisor Representative


RAS Wealth Management & Insurance Group
Planning for Your Future

125 Half Mile Road
Suite 102
Red Bank, NJ 07701

Phone: 732.358.5101
Fax: 302.504.6692

Email Address: [email protected]
 


A message from Roy...


I am dedicated to providing personalized financial planning and strategies for XCEL Federal Credit Union Members. By fully understanding my client's financial and personal goals I develop a strategy that is individually customized to those who I work with. I strive to provide my clients with clarity through a personalized and goals based financial experience.

My career in wealth management began at Morgan Stanley and continued at Merrill Lynch (after a 16-year career in the commercial real estate business). I made the transition to Lincoln Financial Advisors in June of 2019 to better align my financial knowledge with the ability to offer unbiased service and solutions to help my clients manage their wealth. I feel my clients benefit from a much- improved holistic wealth management experience.

I received my bachelor’s degree from The George Washington University in Chinese and East Asian Studies. I furthered my studies at the New York University, Stern School of Business with a concentration in Marketing and Management and received my MBA from The Lubin School of Business at Pace University.

I live in Manalapan, NJ and I am active in my community. In my free time I enjoy travelling, golfing, and spending time with my family. I also support organizations like The Laurel School of Princeton, Special Strides and United Way of Monmouth County.


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Broker Check - View your representative

Hello, I'm Roy Schoenfeld. It is a pleasure to meet you virtually and it's my pleasure to personally introduce you to the partnership with Lincoln Financial Advisors and XCEL Federal Credit Union. This partnership provides you, XCEL Federal Credit Union's hardworking members, with the resources to learn more about securing your financial future and accomplishing your goals. I look forward to showing you what we have to offer to help you with investment services, life insurance, as well as tax reduction and estate planning strategies. My partner, Gary Katz, and I will be working together to meet your needs. Roy, thanks for that quick introduction. I'm also very excited about working with the XCEL members on maximizing pension funds, generating retirement income, and providing personal financial plans. And Roy, I'd love to touch on a couple important questions that we get from many of our members. So, Roy, let me ask you, why would a member consider an annuity versus a CD? Gary, that is a great question, and thank you for that. If taxes are a concern, an annuity might be a better option for you. Earnings on CDs are taxable in the tax year the interest is earned, while annuity earnings accumulate tax deferred and are not treated as taxable income until the money is withdrawn. This could help with tax return time. Gary, I have another question. If I'm retiring from the Port Authority, how do I decide on what option to select? Roy, we get that question all the time. And you know what? It's a financial decision. And our team has the financial models, calculators, to assist the participant in making the informed decision on the option that best fits for that participant. Well, thank you, Gary. And XCEL Federal Credit Union members for listening to us today. Please feel free to reach out to myself via email at [email protected] or via phone call at 732 358 5101 for more information. I look forward to hearing from you soon and have a great rest of your day.


Lincoln Financial Advisors is now Osaic FA, Inc. Any reference to Lincoln Financial within this file should be disregarded.

XCEL FCU is a credit union serving members in New Jersey, New York and across the country.

Securities and investment advisory services offered through Osaic FA, Inc., member FINRA/SIPC. Osaic FA is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic FA. Osaic FA has formed a strategic alliance with XCEL Federal Credit Union. XCEL Federal Credit Union is not affiliated with Osaic FA. While the two firms will work together to provide you with the best service possible, each firm is independently responsible for the services offered.

Non-deposit investment products and services are offered through Osaic FA, a registered broker-dealer (Member FINRA/SIPC) and SEC registered investment advisor. Products offered through Osaic FA are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the XCEL Federal Credit Union and may involve investment risk including loss of principal.
Osaic FA, Inc. and its representatives do not offer tax or legal advice. Individuals should consult their tax or legal professionals regarding their specific circumstances. See Osaic FA’s Form CRS Customer Relationship Summary, available here, for succinct information about the relationships and services Osaic FA offers to retail investors, related fees and costs, specified conflicts of interest, standards of conduct, and disciplinary history, among other things. Osaic FA’s Forms ADV, Part 2A, which describe Osaic FA’s investment advisory services, Regulation Best Interest Disclosure Document, which describes Osaic FA’s broker-dealer services, and other client disclosure documents can be found here.