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Private Wealth Management and Planning

Stembrook provides caring and sophisticated wealth management to individuals and families who are passionate about realizing their dreams.

Our clients are busy, striving individuals 
and families who have worked hard to achieve their goals.


Executives

Our executive clients value having a strategic partner to turn to for asset management decisions as they navigate complex career priorities

Owners/ Entrepreneurs

Investment and tax strategies to maximize the value of liquidity events, mitigate risk exposures, and prioritize wealth preservation

Independent Individuals

Whether you’re still working or not, financial independence often brings a need to delegate research and decision-making to a trusted and objective partner

Goal-Oriented Families

We help families preserve their wealth and family legacy, which requires a broader view and an ability to engage with multiple generations of stakeholders



Whether you are accumulating assets, in the process of managing a liquidity event, or strategizing for long-term wealth distribution, we’re a fiduciary here to provide you with attentive and objective guidance at every stage.

The Stembrook Approach

We stand out for:


Our comprehensive understanding of the many financial, legal, and tax strategies available to wealthy investors

Our methodical, individualized planning process, which accounts for the many unique factors in your financial life and your overall outlook and values

Our ability to simplify and take responsibility for managing your financial resources, so that you can focus on managing your life



Whether you’ve just started the process of exploring your options, or have something more specific in mind, we’d love to hear from you.


Schedule a Consultation

Working Together

Services



Investment Management

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Stembrook believes that asset allocation decisions have the single largest impact on long-term returns. We are not keen on chasing the hottest trades or trying to time the market. Instead, our focus is on designing the appropriate mix of stock, bond, and other asset classes in a portfolio and making calibrated adjustments as market conditions and your personal situation change. All of our decisions are based upon rigorous research and decades of experience at top tier investment firms.

At relationship inception, Stembrook collaborates with clients to define appropriate risk levels based on goals and risk tolerance. We then implement the investment portfolio and monitor clients’ progress over time.




Financial Planning

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Our approach incorporates an understanding of the client’s major goals. We then create a financial plan that plots a course while allowing for the inevitable course corrections that life requires. Our financial planning process includes cash flow forecasting as well as tax planning.

Estate Planning

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At the center of our process for helping our clients with estate planning is an understanding of the legacy that the individual, family, or business wants to leave. We work with all involved parties such as your attorney or accountant to ensure that the needs of all generations, present and future, are honored.



Business Advisory

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Many successful business owners have been able to benefit from strategies that mitigate risk, help protect assets, and reduce taxes. An example of such a solution is a 1042 exchange in which business owners may reap tax savings on capital gains by selling stock to an ESOP and investing in Qualified Replacement Property.

Divorce Financial Planning

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For families that are in a divorce transition, we have been trained in collaborative and mediated divorce best practices and apply this knowledge to the unique financial planning challenges and opportunities that divorce presents. We can help you to create a clear path forward and a profound sense of control over your financial future.



Process


number one Jersey City, NJ | Stembrook Asset Management

Determine the key drivers of investment return


Extensive research and analysis of financial and economic data are used to develop insights as to the drivers of returns.

number two Jersey City, NJ | Stembrook Asset Management

Adjust portfolio allocations around strategic targets


Limits are placed on investments in each asset class, allowing for market fluctuations while limiting the impact of market shocks.

number three Jersey City, NJ | Stembrook Asset Management

Select optimal investment vehicles


Selection is based upon key factors expected to impact operating costs, taxes, investment returns, and volatility.

number four Jersey City, NJ | Stembrook Asset Management

Consult with advisory board


Our Board includes experts in economics, tax and estate planning, equity analysis, global fixed income, foundations and endowments, and global sustainability.

Meet Your Team

Peter D’Agati, CFA Photo

Peter D’Agati, CFA

Founder and President
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Peter is the Founder and President of Stembrook Asset Management, and is actively involved in all investment and research activities of the firm.

Prior to founding Stembrook, Peter was founder and Head of Portfolio Strategy Research at Brown Brothers Harriman. In this role, he was responsible for developing the high-level investment strategies for high-net-worth individuals, endowments, foundations, trusts, and institutions, representing $45 billion of investment assets. Strategies included a broad range of traditional and alternative asset classes, and incorporated tax planning, risk management and liquidity considerations. Peter served as Chairman of the Investment Committee responsible for selecting investments for inclusion in client portfolios and served on the Alternative Assets Investment Policy Committee. Peter also co-founded Brown Brothers Harriman’s Tax-Efficient Risk Management practice, and was the senior researcher in charge of portfolio risk management and tax-efficient asset management for private clients. Previously, Peter spent four years with Lazard Asset Management where he developed a variety of sophisticated tools designed to measure, manage and evaluate client portfolios across countries and currencies.

Peter earned his Bachelor of Science in Mathematics and Finance from Providence College, with honors. He is a holder of the Chartered Financial Analyst designation and is a member of both the CFA Institute and the CFA Society New York. Peter has been an invited speaker at numerous investor forums including Columbia Business School, the Institute for Private Investors and the Financial Planning Association.

    Credentials

    • Providence College, Bachelor of Science in Mathematics and Finance, with honors
    • Chartered Financial Analyst designation
    • FINRA Investment Advisor Representative (Series 65)

    Just for Fun

    Peter is an active member of his community, sitting on the Board of the Historic Paulus Hook Association for community preservation and development. He serves and has previously served as an advisor to various for-profit and not-for-profit organizations.  Peter and his wife, Jenn enjoy raising their two young boys in a brownstone they renovated in Jersey City, NJ.  In his free time, Peter enjoys sailing, fine woodworking, and creating fine objects in leather.

    Peter
    Peter
    Peter
    Tom Kosinski Photo

    Tom Kosinski

    Portfolio Manager
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    Tom is a Portfolio Manager and has been with Stembrook since 2010. Tom counsels clients and directs the firm's daily trading activities and conducts research in a diverse range of sectors and asset classes.

    Since joining as an analyst, Tom has enhanced and continues to develop the asset allocation models that the firm uses when building client portfolios and forecasting asset class returns. In addition, Tom has refined the Stembrook Wealth Planning Tool, used in developing clients’ personalized Stembrook Strategic Investment Plans.

    Prior to joining Stembrook, Tom worked at Merrill Lynch Global Wealth Management where he supported international high-net-worth families and individuals and their advisors. Tom led a transition team during the Bank of America acquisition that trained bank representatives on the Merrill Lynch brokerage platform. Tom began his career in finance at Lucas Capital Management, an energy related hedge fund. At Lucas, Tom sat on the trading desk, assisting with portfolio management duties, trading, and investment research. 

    Credentials

    • Villanova University, BA, Finance and Economics
    • FINRA Investment Advisor Representative (Series 65)

    Just for Fun

    Tom lives in Red Bank, New Jersey with his wife Martha and their daughter Madeline. He sits on the Board of Directors of the American Saltwater Guides Association (ASGA) Fisheries Policy Alliance, which advocates for healthier fisheries and better business through conservation. When not in the office, Tom spends most of his time on the water. He has a passion for saltwater fly and light tackle fishing and competitive sailing.  He has published numerous articles and presents seminars on saltwater fishing. Tom and his family enjoy traveling and attending Villanova basketball games when they are not spending time on the water.

    Peter
    Peter
    Peter

    Q & A

    question mark How are you compensated?


    We are a fee-only, fiduciary wealth management firm. This means that we are only compensated for the advice and investment management we provide, based upon your assets under management. We never accept commissions. We believe this fee structure aligns best with our clients’ interests.

     

    question mark Where are my assets held?


    Your assets will be held at Charles Schwab, one of the industry’s most prestigious custodians.

     

    question mark How will I be protected from cybercrime?


    We take cybercrime very seriously. Our custodian, Charles Schwab has extensive safeguards in place to protect your assets and your confidential information. In addition to Stembrook’s systems and internal procedures, which are designed to minimize the risk, we place an emphasis on educating our clients about how to avoid risky cybersecurity behaviors. On an ongoing basis, we provide clients with advice on how to minimize their cybercrime risks both in their investments and their lives.

     


    Yes. We work with individuals, families, and business owners with $2 million or more of investable assets.

    question mark How will we meet?


    We will meet in a variety of ways according to your preferences: in person, phone, virtually.

     

    question mark What is a CFA® designation?


    The Chartered Financial Analyst (CFA) charter is a globally respected, graduate-level investment
    credential established in 1962 and awarded by CFA Institute — the largest global association of
    investment professionals.
     
    To earn the CFA charter, candidates must:

    1) pass three sequential, six-hour examinations;

    2) have at least four years of qualified professional investment experience;

    3) join CFA Institute as members; and

    4) commit to abide by, and annually reaffirm, their adherence to the CFA Institute Code of Ethics and Standards of
    Professional Conduct.
     
    High Ethical Standards The CFA Institute Code of Ethics and Standards of Professional Conduct, enforced
    through an active professional conduct program, require CFA charterholders to:
    • Place their clients’ interests ahead of their own
    • Maintain independence and objectivity
    • Act with integrity
    • Maintain and improve their professional competence
    • Disclose conflicts of interest and legal matters
     
    Global Recognition
    Passing the three CFA exams is a difficult feat that requires extensive study (successful candidates report
    spending an average of 300 hours of study per level). Earning the CFA charter demonstrates mastery of
    many of the advanced skills needed for investment analysis and decision making in today’s quickly
    evolving global financial industry. As a result, employers and clients are increasingly seeking CFA
    charterholders—often making the charter a prerequisite for employment.
     
    Additionally, regulatory bodies in over 30 countries and territories recognize the CFA charter as a proxy
    for meeting certain licensing requirements, and more than 125 colleges and universities around the
    world have incorporated a majority of the CFA Program curriculum into their own finance courses.
     
    Comprehensive and Current Knowledge
    The CFA Program curriculum provides a comprehensive framework of knowledge for investment
    decision making and is firmly grounded in the knowledge and skills used every day in the investment
    profession. The three levels of the CFA Program test a proficiency with a wide range of fundamental and
    advanced investment topics, including ethical and professional standards, fixed-income and equity
    analysis, alternative and derivative investments, economics, financial reporting standards, portfolio
    management, and wealth planning.
     
    The CFA Program curriculum is updated every year by experts from around the world to ensure that
    candidates learn the most relevant and practical new tools, ideas, and investment and wealth
    management skills to reflect the dynamic and complex nature of the profession. To learn more about
    the CFA charter, visit www.cfainstitute.org.


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