David W. Frederick, CLU, ChFC, CFP®
President
Professional Overview
For more than four decades, David W. Frederick has advised families, business owners, and retirees on some of life’s most important financial decisions. Known throughout the Hudson Valley and across the United States for his integrity, leadership, and steady guidance, Dave has earned the trust of multiple generations of clients seeking clarity and confidence in their financial lives.
Dave’s experience spans a broad range of financial disciplines including investment advisory services, insurance planning, retirement income strategies, estate planning, and wealth transfer. Today his work focuses primarily on retirement and estate planning, helping individuals and families maximize their lifestyle, protect their assets, and transition wealth efficiently across generations.
A gifted communicator and passionate educator, Dave has long believed effective financial planning must be both strategic and understandable. He previously co hosted the New York television program “The Law and Your Money,” and has presented numerous seminars and educational programs on investment planning, estate strategies, and charitable tax planning.
Over the course of his career, Dave has built a mature and highly respected wealth management practice serving clients throughout the United States. In 2002, after more than twenty years in the industry, he intentionally shifted his business philosophy from quantity to quality, emphasizing deeper client relationships, higher standards of service, and long term accountability.
This philosophy led to the creation of PRIME Life Planning, a comprehensive planning process encouraging individuals to obtain a second opinion on their financial, tax, and legal strategies. Each review includes collaborative analysis from independent professionals such as a Certified Financial Planner™, Enrolled Agent, and Attorney, ensuring clients receive thoughtful and coordinated guidance.
Professional Experience
Dave began his financial planning career in 1982 with The Prudential, where he developed a passion for helping families build long term financial security. Recognizing the value of independence in providing objective advice, he established his own practice in 1986, serving families throughout the Hudson Valley while advising clients across the United States.
Over time, that practice evolved into an independent wealth management firm focused on retirement and estate planning. Today Dave serves as President of Prime Retirement Asset Management, Inc., doing business as Prime Wealth Management, where he continues to mentor advisors and guide the firm’s strategic vision.
Education & Professional Credentials
Dave completed his undergraduate studies at Union College in Schenectady, New York in 1981. He later continued his professional education through The American College in Bryn Mawr, Pennsylvania, earning two of the profession’s most respected designations:
• Chartered Life Underwriter (CLU®)
• Chartered Financial Consultant (ChFC®)
He later fulfilled the rigorous education, experience, and ethical standards required by the Certified Financial Planner Board of Standards, earning the designation of Certified Financial Planner™ (CFP®).
In addition, Dave maintains multi state licenses for life, health, and annuity insurance and holds securities licenses including Series 6, 7, 24, and 63.
Personal Profile
David W. Frederick is a lifelong Hudson Valley resident who has proudly called Lagrangeville, New York home since 1984. Together with his late wife, Rosanne, he built a life grounded in family, community, and service.
After 42 years of marriage and 48 years together, Rosanne passed away following a courageous battle with cancer in 2022. Her strength and the values they shared continue to guide Dave both personally and professionally.
Guided by his long standing Family First philosophy, Dave treasures time with their children and eight grandchildren. Today he divides his time between Lagrangeville and Lake George, New York.
Beyond his professional work, Dave remains deeply committed to the Hudson Valley community. His philanthropic efforts support causes including education, children’s medical research, developmental disability services, and organizations serving military veterans.
Dave continues to lead Prime Wealth Management while overseeing development of the firm’s new flagship headquarters at Eastdale Village in the Town of Poughkeepsie, reinforcing the firm’s long term commitment to serving families throughout the Hudson Valley for generations to come.