CFS Investment Advisory Services
44yrs
Top advisor by experience in Totowa
35yrs
Michael Handzo
Full name on record: Michael Daniel Handzo
Financial advisor at Ameriprise Financial Services
Based in Totowa, New Jersey, Michael Handzo is a fiduciary financial advisor with 35 years of industry experience. Michael has been with Ameriprise Financial Services since 2009; before that, Michael spent six years at Ameriprise Advisor Services and a year at Choreo. Ameriprise Financial Services offers financial planning, investment management, and retirement plan consulting and is paid through a percentage of assets, hourly fees, and flat fees.
One of 38 advisors with offices in Totowa, and one of 33 fiduciaries.
At a glance
Experience35 years (since 1991)
How that compares ?Top 8% by experience nationwide
Office999 Riverview Dr Suite 201, Totowa, NJ 07512
How the firm is paid ?Percent of assets, Hourly, Flat fee
Typical client at the firm ?$471,167
Advisors at the firm12,970
States licensed ?2 states
Services through Ameriprise Financial Services
Financial planningInvestment management for individuals and small businessesInvestment management for businesses and institutionsRetirement plan consultingChoosing other investment managersNewsletters and publicationsEducational seminars and workshopsOther services
Specialties, designations like CFP®, and languages spoken appear here when advisors claim their profiles.
Licenses
Exams passed, from the official record. Tap a license to see what it allows.
Career
- 2009 – nowAmeriprise Financial Services, LLCCurrent firm
- 2003 – 2009Ameriprise Advisor Services, Inc.Previously
- Nov 2002 – Jul 2003Choreo, LLCPreviously
Contact Michael
Local office(973) 832-1637Ask for Michael. (612) 671-3131Main office · Minneapolis, MN 999 Riverview Dr Suite 201Totowa, NJ 07512Office · Get directions LinkedIn pageAmeriprise Financial Services
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Questions to ask Michael
Tailored to Michael’s registration and firm.
- What's your succession plan, and who would work with me if you retire?
- At a firm this size, will I work with you directly or with a service team?
- What does a financial plan with you include, and how often is it updated?
- If you use outside managers, how are they chosen and what do they cost on top of your fee?
- Where would my money be held, and will I get statements directly from that firm?
- What would I pay in total each year, in dollars, including fund and trading costs?
My notes and scorecard
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About Michael
How do I contact Michael?
Call Michael’s local office at (973) 832-1637 or the Ameriprise Financial Services main office at (612) 671-3131, and ask for Michael Handzo.
How long has Michael been a financial advisor?
Michael has been in the industry since 1991, about 35 years. Top 8% by experience nationwide.
What licenses does Michael hold?
Series 63, Series 65. Tap any license on this page to see what it allows.
Is Michael a fiduciary?
Michael is registered as an investment advisor representative, which carries a fiduciary duty when giving investment advice.
How is Michael paid?
Ameriprise Financial Services reports being paid by a percentage of the assets they manage, hourly fees, flat or fixed fees. Ask Michael for your total yearly cost in dollars.
Official record as of October 3, 2026.
This profile is for information only and is not financial advice or a recommendation.
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