William J. Dulmage

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CRD#: 4910625

Professional summary

Being a previously registered professional could mean that this person is no longer operating under the supervision of the SEC or FINRA.

That means that the Securities and Exchange Commission may not be able to oversee the services that this specific professional is providing.

William John Dulmage, CFP®, who also goes by W John Dulmage, John Dulmage, was a registered financial professional .

William is a previously registered financial professional and started their career in finance in 2005. William had worked at 2 firms and has passed the Series 65 exam.

Core Areas of Focus

Entrepreneurs

High Net Worth Client Needs

Investment Advice with Ongoing Management

Real Estate Investments

Retirement Planning & Distribution Rules

Tax Planning

Biography

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As you compare financial advisors, understand that we are not all alike. Many advisors fall short by focusing on narrow financial areas such as insurance or investments alone, Financial Pathways looks at your investments in the context of your whole financial life adding power and effectiveness to your financial plan.

John Dulmage is a CFP® or CERTIFIED FINANCIAL PLANNER™ professional by the Certified Financial Planning Board of Standards. He is licensed by the State of New Hampshire as a Life, Accident & Health and Property & Casualty insurance consultant as well as being an Enrolled Agent (EA) a Federal Tax designation granted by the IRS. He is a member of National Association of Tax Professonals (NATP). In addition John is a Registered Investment Advisor and member/co-owner of the Alliance of Comprehensive Planners (ACP). ACP members are the pioneers of a whole system approach to financial planning--planning that focuses on the person, not a product. It's a higher standard of financial planning, one that makes the advisor your advocate. ACA has the highest credential and continuing education requirements for its members in the financial planning industry. John is also certified by the Institute for Divorce Financial Analysts as a CDFA.

Question & Answer

What are your service offerings?

Comprehensive Financial Planni...

Insurance Planning

Investment Planning

Employee and Employer Plan Ben...

Tax Planning

Estate Planning

Retirement Planning

What is your minimum asset requirement?

Are you a "fiduciary"?

Aliases

W John Dulmage | John Dulmage

Other business activities

Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.

The advisor shows no other business activity.

Blog Corner

CRS (Client Relationship Summary)

The CRS(Customer Relationship Summary) document is not provided.

Certified licenses

Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®

CFP^®

Certified Financial Planner

Start date: 2007

Experience

Past

June 17, 2024 - February 4, 2026

SAX WEALTH ADVISORS, LLC

RIA

CRD#: 119193

LONDONDERRY, NH

Past

June 6, 2005 - April 16, 2024

FINANCIAL PATHWAYS

RIA

CRD#: 134112

LONDONDERRY, NH

Primary Firm SEC Registration

This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".

SAX WEALTH ADVISORS, LLC

SAX WEALTH ADVISORS, LLC | SMF FINANCIAL ADVISORS, LLC

CRD#: 119193 / SEC#: 801-68788

RIA

Registered Investment Advisory firm - (2/28/2008 Approved)

State Registrations and Notice Filings

Listed states reflect where the advisor is authorized to serve clients under state regulations.

Visual representation of state registrations

This advisor is not registered in any state.

Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state.

Exams

State Security Law Exam

IAR

Series 65

Date: 8/13/2004

Uniform Investment Adviser Law Examination

Current Firm

SAX WEALTH ADVISORS, LLC

SAX WEALTH ADVISORS, LLC | SMF FINANCIAL ADVISORS, LLC

CRD#: 119193 / SEC#: 801-68788

RIA

Registered Investment Advisory firm - (2/28/2008 Approved)

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Contact information

Main Address

389 Interpace Parkway Suite 3, Parsippany, NJ 07054

Mailing Address

Phone number

(973) 859-2199

Established

Firm type

Fiscal year end

# of Employees

SEC notice filing (32 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

SAX WEALTH ADVISORS, LLC FORM ADV PART 2A (11/3/2025)

Regulatory assets under management

Total Number of Accounts	3,685
AUM (Assets Under Management)	$ 2,440,851,802

Accountant surprise examination report

Filing Date	Form ADV-E Cover	Form ADV-E Report
10/21/2025	Cover Page	Report
12/11/2024	Cover Page	Report
01/23/2024	Cover Page	Report
02/21/2023	Cover Page	Report

Red Flags

Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities.

Check for any disclosures as part of your thorough research when choosing an advisor.

Contact information

(xxx) xxx-xxxx

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William J. Dulmage

Professional summary

Core Areas of Focus

Biography

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary)

Certified licenses

Experience

SAX WEALTH ADVISORS, LLC

FINANCIAL PATHWAYS

Primary Firm SEC Registration

SAX WEALTH ADVISORS, LLC

State Registrations and Notice Filings

Exams

Series 65

Date: 8/13/2004

Current Firm

SAX WEALTH ADVISORS, LLC

Contact information

SEC notice filing (32 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Accountant surprise examination report

Red Flags

Company Information

SAX WEALTH ADVISORS, LLC

TRUST BUT VERIFY

Contact information

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