Arthur Paul Ernst

Art Ernst has been analyzing financial products for almost four decades. He has been writing about them for about three decades.

Art earned his M.B.A. at the Wharton Graduate School of Business in 1984 and was the 1981 recipient of the Eugene E. Agger Memorial Award as the top economics graduate at Rutgers College. He began his career on Wall Street directing projects involved with every phase of development of financial products including funds, annuities, loans and retirement plans. Since 1984 he has managed portfolios for individuals and institutions including mutual funds, insurance companies and foundations.

When Art’s children were young he formed an independent consultancy to manage affairs in a family-friendly manner. During this period, he shopped for financial services as a regular consumer. This new perspective changed everything. He resolved to address the sales gimmicks, excessive fees, imprudence, and scams he encountered as a ‘retail’ financial customer.

Additional to his service on behalf of investment management and financial planning clients, Art has written educational pieces to help the public at large avoid common wealth-harming Wall Street tactics. His articles have been published in several journals, magazines and newspapers. His books help readers avoid common Wall Street gimmicks so they can easily manage finances free of sales charges, at minimized cost, and properly positioned to maximize wealth.

A Registered Investment Advisor first licensed in 1982, Art is a portfolio manager and the Chief Operating Officer at Byrne Asset Management LLC in Princeton, New Jersey.