David W. Frederick, CLU, ChFC, CFP®

Few financial planners have enjoyed the wide range of financial services experience that makes up David W. Frederick's resume. His 40+ years of experience includes work in such areas as investment brokerage & advisory services, life & health insurance, property & casualty insurance and group benefits & pensions. Today, his practice is devoted to retirement and estate planning with an emphasis on lifestyle maximization, asset protection, and wealth transfer strategies. 

A dynamic speaker, Mr. Frederick co-hosted the popular New York television show, "The Law and Your Money" and has regularly presented public and private seminars educating individuals on investment, estate, and charitable tax planning.

His passion, wisdom, perspective and guidance as a financial planner has resulted in a mature practice that includes clients throughout the U.S. and offices with state-of-the-art technology linking all PRIME offices and network locations. In 2002, with over 20 years of industry experience to his resume, Mr. Frederick converted his practice from quantity to quality focusing on higher standards of service and accountability to his clients. This developed focus includes PRIME Life Planning service which encourages individuals to request a complimentary and comprehensive “second opinion” regarding their existing financial, tax, and legal strategies. Every “second opinion” includes analyses by independent professionals (e.g., a CFP®, EA, and Attorney) working as a team.

PROFESSIONAL EXPERIENCE

David W. Frederick began his financial planning career in early 1982 working for The Prudential.  As he saw the need to become more independent, he opened his own practice in Dutchess and Westchester counties in 1986, and he eventually focused his attention exclusively on retirement and estate planning. Today, he leads this independent wealth management team under the name Prime Retirement Asset Management, Inc. as the firm's President, doing business as "Prime Wealth Management". He is a Registered Representative with BRWM, and Investment Advisor Representative with BRWA and is licensed throughout the US as a Certified Financial Planner™.

EDUCATION

David W. Frederick completed his undergraduate studies in 1981 at Union College in Schenectady, NY, and then enrolled in the American College in Bryn Mawr, PA to eventually complete the Charted Life Underwriter (CLU) and Chartered Financial Consultant (ChFC) designations. Additionally, he was accepted into the College for Financial Planning® and successfully met the rigorous experience and ethical requirements of the Certified Financial Planner Board of Standards. Thereafter, he completed the certification examinations to become a licensed Certified Financial Planner™ (CFP®). Mr. Frederick has multi-state life, health, annuity licenses and he also holds securities Series 6, 7, 24, & 63 licenses, as well. He is also a member of the Financial Planning Association (FPA), the National Association of Insurance and Financial Advisors (NAIFA),The Society of Financial Service Professionals (FSP), the Million Dollar Round Table (MDRT) as a Life Member, and the registry of CFP® licensed practitioners.

PERSONAL PROFILE

David W. Frederick and his wife, Rosanne, are natives of the Hudson Valley and have enjoyed living in Lagrangeville, NY since 1984. After 42 years of marriage and 48 years with Dave, Rosanne lost her heartbreaking battle with cancer on September 9, 2022. With his "Family First" philosophy, he enjoys their children, his "in-law" children, and his eight grandchildren. Mr. Frederick continues his community commitment as a volunteer and philanthropist with a special commitment to education, children's medical research, developmental disability services, and veterans.