Broker Check
Michael Ringel

Michael Ringel

Financial Coach

As the son of a college professor (Dr. Herbert Ringel, PhD, Physics), Michael’s passion for teaching began at a very early age. While his father wanted him to pursue the same noble profession, Michael’s mathematical mind and entrepreneurial spirt led him down a different path. After pursuing his CPA and MBA, he explained to his father that he would be pursuing a career in teaching and education, except in a nontraditional setting. He decided to teach families about money and investing.

Since 2004, Michael’s has been working with business owners, divorced women, families with children with special needs and typical families to build confidence around their money.

Michael’s philosophy is to guide each family to discover for themselves what is important to their family, both personally and financially. Then, Michael shares with each family a variety of financial strategies that are prudent for them. He shares with them what may be financially possible for them in the future. It is only then, when they agree upon a prudent strategy, that financial products and services are recommended to fulfill each strategy. Michael’s academic approach to financial planning has served his clients well.

Michael’s Career Highlights

  • National speaker to business owners about “Leaving Your Business in Inevitable – Protect, Grow and Exit Your Business”
  • Invited guest on a various business, financial and special needs podcasts
  • Annual speaker at New Jersey State Society of Certified Public Accountants
  • Speaker at NJ Autism Conference on Special Needs Planning
  • Invited speaker on special needs planning to school PTA meeting
  • New York University, Leonard Stern School of Business, MBA, 1994
  • SUNY Albany, BS Accounting/Math, 1985
  • Certified Public Accountant, CPA, 1994
  • Retired Income Certified Professional (RICP), The American College
  • Certified Divorce Financial Analyst, CDFA, Institute for Divorce Financial Analysts, 2009
  • Certified Exit Planner, CExP, The Business Enterprise Institute, 2018
  • Holds life, health & accident insurance licenses in multiple states
  • FINRA Series 7 (General Securities)
  • FINRA Series 63 & 65 (Uniform Combined State Law)
  • Worked and learned from top performers at Deliotte & Touche, DBO Seidman
  • Partner, Let’s Talk Business, building support communities for entrepreneurs
  • Adjunct Professor at Borough of Manhattan Community College, BMCC


  • Married with 2 beautiful daughters
  • Dog daddy to 6 dogs and foster daddy to hundreds more
  • Volunteer, 3 Hearts 4 Paws Animal Rescue
  • Enjoys personal training, boxing and biking
  • My true purpose for money is creating experiences for my family

Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. CA Insurance License #4204165. 2023-161781