DVC Financial Services

DVC Financial Services

Whether you are a veteran of success or are just starting to manage your portfolio, DVC Financial Services can help you achieve your goals.

Donald V. Cericola, Jr. is the founder and principal of DVC Financial Services. Born and raised in the Philadelphia area, Don received his BS in Accounting from Temple University. He has been a registered representative and investment advisory representative of MML Investors Services, LLC (MMLIS) since 1994 when he started his practice. Don is also a licensed CPA but does not practice on behalf of MMLIS. Don currently resides in Warrington, PA, with his wife Ellen, where they raised their two now-grown children. Professionally and socially, Don is a member of the National Association of Insurance and Financial Advisors (NAIFA), National Society of Tax Professionals (NSTP), American Association of Individual Investors (AAII), Doylestown Chapter of Business Network International (BNI), and Knights of Columbus. Dons professional mission is to be recognized as a leader and major provider of expertise in the fields of financial services, planning, and implementation, as well as quality financial products for individuals and small businesses. With extensive knowledge in these areas, Don has a true passion for helping others manage and grow their portfolios. While helping to navigate through lifes various stages and transitions, Don is dedicated to meeting each clients individual needs regarding various financial matters. Disclosures: www.dvcfinancialservices.com/licenses


How to Save for College

Deciding how and when to start saving for college can be tricky. Check out this article for a few tips.

nytimes.com There’s no class in, ahem, college, to prepare us for saving for our children's college education. Let this guide be your starting point.


6 signs you're richer than you think, according to a wealth adviser for millionaires

Is it possible that you're richer than you realize? Here are the 6 signs you're richer than you think you are.

businessinsider.com Millionaires aren't all Lamborghinis and mansions. Here are the signs you might be richer than you think.


Helping parents retire while preserving your own plan | MassMutual

What happens when your parents are not financially prepared for retirement but can no longer work or are not earning enough to meet their expenses? bit.ly/2VIx85e.

blog.massmutual.com Can you help your aging, financially struggling parents without compromising your future financial security?


From a new home to medical care, here are some important savings goals

From a new home to medical care, here are some important savings goals. Check out the article below and tell me if any of these goals match up with yours!

cnbc.com Whether it is for retirement, starting a business or paying for an education, Americans are putting money aside — but many aren't saving enough, and some, not at all.


Study: Parents skimp on retirement to support adult children

Study: Parents Skimp on Retirement to Support Adult Children.

finance.yahoo.com Half of all parents with adult children are risking their retirement, in order to financially support their kids, according to a new Bankrate report.


A 401(k), Roth IRA combination may pay off for younger adults | MassMutual

Listen up Millennials!

blog.massmutual.com If you qualify for a Roth IRA, it might make sense to consider limiting your 401(k) contribution to the employer match. MassMutual can help you map out a plan.


Most Americans Feel It's Harder to Retire Now Than It Was 5 Years Ago

Do you feel like it's harder to retire now than 5 years ago? If so, you are with the majority of Americans who agree.

thestreet.com Even though the stock market is up sharply over the past five years, most Americans feel it's more difficult to retire, a recent survey finds.


Why saving for retirement early is important | MassMutual

According to this article, two out of three 21-to-32-year-olds haven't started saving for retirement yet. Here's why it's important to start saving for retirement early.

blog.massmutual.com There is a basic miscalculation in decision-making with not starting as early as possible when it comes to planning for your financial future.

MassMutual - Moments You Plan For - Father Daughter Dance

When your daughter's big day arrives, you won't be crunching numbers at the reception, you'll be crushing it on the dance floor. #NailedIt #LiveMutual

When your daughter has the big wedding she’s been dreaming about since she was a little girl, you can be there to help her start that new chapter in life. An...

Tradition binds us together. Here’s to the many traditions we’ll create with our loved ones at this year’s Derby! #LiveMutual #KYDerby


Life insurance in 20s, the pros and cons | MassMutual

When you're in your 20's, life insurance might not be top of mind, but there plenty of reasons to consider buying it.

blog.massmutual.com Buying life insurance in your 20s costs less than when you’re older and perhaps less healthy.


7 financial gifts for the college graduate | MassMutual

Graduation season is right around the corner. Check out these 7 Financial Gifts for the College Graduate.

blog.massmutual.com Try these ideas for gifts that will benefit any college graduate for years to come.

Timeline Photos


529 college saving plans are, unfortunately, underutilized by many families | MassMutual

Most families who are socking money away for their children’s college tuition don’t take advantage of tax-friendly savings tools, like 529 plans, that could potentially supercharge their savings. Learn more here: bit.ly/2U5UJXE.

blog.massmutual.com Less than one-third of families saving for college are using tax-friendly college saving plans, like 529 or Coverdell accounts, to get ahead.


Baby boomers commit the ‘7 deadly sins’ of retirement planning

Opinion: Baby Boomers Commit the ‘7 Deadly Sins’ of Retirement Planning.

marketwatch.com New survey shows why millions are unprepared.


These 'super savers' are retiring earlier than most. Here's what they're doing differently

These 'Super Savers' are Retiring Earlier Than Most. Here's What They're Doing Differently.

cnbc.com Some Americans ages 45 and up are managing to save $1 out of every $5 — and retiring earlier. Here's what they're doing differently from the average investor.


5 personal finance blunders you can avoid | MassMutual

Do you recognize yourself, a friend, or a family member in this list of give personal finance blunders? bit.ly/2G8skN6.

blog.massmutual.com Certain behaviors and inaction can be counterproductive to financial wellness and lead to budget instability.


3 Life Insurance Tips for Business Owners | Investopedia

3 Life Insurance Tips for Business Owners

investopedia.com Here are three tips for business owners to use life insurance to take care of their families.


Financial literacy: An epic fail in America

Financial literacy: An epic fail in America. Learn more from this article: bit.ly/2HgtyGL.

investmentnews.com Lacking the skills needed to make informed financial decisions hurts individuals and the economy. What can advisers do to help?


Man plans to live out 'golden' age at Holiday Inn instead of retirement home

Man plans to live out 'golden' age at Holiday Inn instead of retirement home. Would you ever consider doing this?

msn.com A Texas man compared the cost of a retirement home to a long-term stay senior discount at Holiday Inn and decided to spend retirement at the hotel.


Avoid the money mistakes even smart people make

Here is how you can try and avoid money mistakes even smart people make…

tampabay.com Certified financial planner Jill Schlesinger has seen smart people make some pretty spectacular money mistakes.


Do you have enough retirement savings to last 23 years?

Wondering if you will have enough retirement savings?

marketwatch.com Here are some ways to make up for the shortfall between retirement income and expenses.


Using the ‘wellness wheel’ on the road to financial security | MassMutual

The "Wellness Wheel" on the Road to Financial Security.

blog.massmutual.com To be financially well wherever you are on your financial journey, you need focus on your short and long-term goals.


Retirement Through The Decades

For the average person, the meaning of retirement changes as you begin to get older. Here's a look at retirement through the decades.

forbes.com ‘Retirement’ is defined, according to the Merriam Webster dictionary, as the withdrawal from one’s position or occupation or from active working life. Depending upon your age bracket, the word retirement conjures up different meanings and different emotions.


Secret experiment reveals one key way to boost retirement savings

According to this article, boosting your retirement savings could be a matter of thinking it to be true.

cnbc.com Research that included a hidden twist resulted in one group recommending a higher savings rate than the other.


Cash value life insurance makes Harbaugh college football’s top-paid coach | ThinkAdvisor

Cash value life insurance makes Harbaugh college football’s top-paid coach.

thinkadvisor.com This type of deferred compensation alternative appeals to talented leaders and executives.


When $1 Million in a 401(k) Is Really $600,000

When $1 Million in a 401(k) is Really $600,000...

money.usnews.com You aren't really a millionaire if you have $1 million in a tax-deferred retirement account.


3 Myths That Will Ruin Your Retirement Security

The 3 Myths That Will Ruin Your Retirement Security.

forbes.com Retirement planning is complicated and confusing. There are many myths that can trip up your financial security. We cover 3 retirement myths that you shouldn't let ruin your retirement financial freedom. From retirement taxes to spending in retirement to Social Security Planning.


Overlooked income tax deductions and credits | MassMutual

Tax season is upon us! Are you overlooking these 5 income tax deductions and credits?

blog.massmutual.com Overlooked tax deductions

Mass Mutual -- 500 Error NetStorage

Considering purchasing life insurance soon? Try to avoid these 5 mistakes.



Life Insurance: Common criticisms, misconceptions, and rebuttals | MassMutual

Whole Life Insurance: Criticisms and Rebuttals.

blog.massmutual.com Learn about the benefits and criticisms of a whole life insurance policy.


10 planning tips for starting 2019 right

CPA financial planners share their favorite moves for kicking off the year right.

accountingtoday.com CPA financial planners share their favorite moves for kicking off the year right.


3 ways you need to plan for retirement | MassMutual

A sound retirement plan will involve at least three perspectives: financial, organizational, and emotional planning.

blog.massmutual.com Sure, there’s financial planning. But retirement takes some organizational and emotional preparation too.


How the new tax law created a ‘perfect storm’ for Roth IRA conversions in 2019

This article explores the connections between the new tax law and Roth IRA conversions in 2019.

marketwatch.com Today’s federal income tax rates might be the lowest you’ll see for the rest of your life.


The No. 1 job billionaires and multimillionaires held before they got filthy rich

What job did many of the world's billionaires and multimillionaires have when they were younger? Check out this article to find out.

marketwatch.com And why it’s important for all of us to do that job, too.


The Truth About Annuities and Retirement

Annuities get a bad rap, but some are the right solution for retirement savings dilemmas.

thestreet.com Annuities get a bad rap, but some are the right solution for retirement savings dilemmas.


Wait! Average 401k Contribution Rates Are How Much? - 401K Specialist

Wait! Average 401k Contribution Rates are How Much?

401kspecialistmag.com Hittin’ the Big 4-0 is always a time for pause, contemplation and reflection and 401ks are no exception. And, thankfully, they're looking pretty good.


The essentials of creating and following a budget | MassMutual

Does your new year's resolution include setting up a new budget? Here are a few tips for creating and sticking to your budget through 2019 and beyond.

blog.massmutual.com Putting together a budget can be pretty straightforward, but the trick is following it.


How this CEO of a 167-year-old company keeps it young

MassMutual CEO, Roger Crandall, spoke with CNN about what it takes to keep the 175 year-old company young.

cnn.com MassMutual CEO Roger Crandall has taken many steps to modernize how his 167-year old company does business and treats it employees. He's also learned to listen more, sleep more and go off the grid occasionally.


Why identifying your risk profile is essential to investing | MassMutual

Why identifying your risk profile is essential to investing.

blog.massmutual.com Understand the level of risk you are personally willing to accept before committing money to investments.


Planning your retirement for long term, with "buckets" | MassMutual

How using "buckets" can help you take the long view in planning for retirement.

blog.massmutual.com Retirement bucket strategy


Here's what to do with your 401(k) when you change jobs

Changing jobs can be a big transition, but don't forget about your 401K.

cnbc.com Everything you need to know about rolling over your 401(k).


12 Year-End Tax and Financial Planning Tips from the AICPA

12 Year-End Tax and Financial Planning Tips from the AICPA

businesswire.com Year-end tax & financial planning tips for Americans. Tax experts available to discuss these tips & more.


Four In 10 Americans Plan To Retire Before Age 60, Study Finds - InsuranceNewsNet

This article finds that while more people plan to retire before 60, few understand how much it costs to be retired.

insurancenewsnet.com Americans on average expect to retire two years sooner than they did five years ago and many more say they intend to retire before age 60, potentially reflecting a spike in 401 balances, according to research from Massachusetts Mutual Life Insurance Co.


5 financial gift ideas for teens and kids | MassMutual

Need new gifts for your kids this holiday season? Check out 5 these financial gift ideas!

blog.massmutual.com What's more meaningful than another toy? An investment or money lesson that will help secure a future.

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220 Gibraltar Road, Suite 350
Horsham, PA

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Other Financial Planning in Horsham (show all)
Patrick D Farrell, Financial Professional Patrick D Farrell, Financial Professional
220 Gibraltar Road, Suite 350
Horsham, 19044

I am licensed to sell insurance in PA, NJ, NC, NM, and UT and securities in PA, NJ and NC. I am a registered representative of and offer securities through MML Investors Services, LLC, member SIPC (www.sipc.org). Supervisory address: 220 Gibraltar Road Su

Professional Advisors Alliance Professional Advisors Alliance
600 Dresher Rd
Horsham, 19044

Professional Advisors Alliance (PAA) helps CPA and Property & Casualty firms offer comprehensive financial services through our strategic alliance program.

Kevin Lake, Financial Services Professional with NYLIFE Securities LLC Kevin Lake, Financial Services Professional with NYLIFE Securities LLC
100 Witmer Road, Suite 100
Horsham, 19044

I am a Financial Services Professional offering securities products and services through NYLIFE Securities LLC.

Jason Goldstein, Clear Path Financial Jason Goldstein, Clear Path Financial
220 Gibraltar Road Suite 350

Disclosures: http://www.clearpath2.com/licensing

Diener Money Management Diener Money Management
406 Norristown Rd
Horsham, 19044

Our professional services include management of individual investment portfolios, divorce planning, college savings, estate planning, 401(k) and more.