Michael F. Kay

Michael F. Kay

| CFP®

Financial Focus, LLC

Fee Only Financial Planner Located in Livingston, NJ and Serving Clients Nationwide


  • Fee-Only Financial Services
  • Comprehensive Financial Planning
  • Free Initial Consultation
  • Investment Management
  • Retirement Planning
  • Education Planning
  • Elder Care Issues
  • Estate Planning
  • Insurance Analysis
  • Charitable Giving and Trusts
  • Planning for Business Owners
  • Cash Flow and Budgeting

Visit Us

70 South Orange Avenue
Suite 245
Livingston, NJ 07039

Michael Kay is a NAPFA-Registered Financial Advisor.
NAPFA is the country's leading association of Fee Only Financial Planners.
What is "Fee Only Financial Planning," and why is it important?

Michael Kay is a Fee Only Financial planner in Livingston, NJ. Michael Kay is a NAPFA-Registered Financial Advisor.

Michael Kay is President of Financial Focus, LLC, an Independent Registered Investment Advisory firm based in Livingston, New Jersey. An executive in the financial services industry since 1976, Michael is a Certified Public Accountant, a Registered Investment Advisor and a CERTIFIED FINANCIAL PLANNER™ professional. After earning his BBA in accounting at Adelphi University in Garden City, New York, he began his career as an accountant with a focus on tax, audit, financial accounting and forensic accounting. In 1985, he shifted his attention to personal financial planning, tax planning, investment strategy and wealth management as a Registered Representative of Securian Financial Services, Inc., where he remained until 2010 when he formed his own RIA.
Through the years, Michael has returned to academia as both student and teacher. In 2001, he earned a certificate of financial planning at New York University then returned in 2003 as an adjunct professor teaching taxation in their CFP® Certification program. He has also taught at Fairleigh Dickenson University in the same capacity. Most recently his own education and training has been in Financial Life Planning through Money Quotient. He has also attended the Kinder Institute’s 2-day program, “Seven Stages of Money Maturity.” Michael now applies this training to empower his clients and is a frequent presenter at Money Quotient trainings and retreats. “Life planning goes beyond numbers,” he says. “It’s not just about making money and investing money, but about using the money to fulfill your dreams.”  Michael uses innovative tools and methodologies to draw out clients’ most important goals and objectives, including creation of a “family flow chart” and a “money biography.”
Michael is a regular speaker at industry events and public forums on financial planning and is frequently called upon to offer commentary on issues related to personal finance, including as a regular contributor to Forbes.com and PsychologyToday.com through his own blog, “Financial Focus.” His innovative business model and life planning approach has been profiled in Financial Planning magazine. He is the author of The Business of Life: An Inside Out Approach to Building a More Successful Financial Planning Practice (December 2010, 216 pages, Advisor Press, $34.95, available on Amazon.com).
He is a member of the Loring Ward Advisory Board and serves as president of the Money Quotient Advisory Board. He is not only devoted to his industry, but he is also involved and committed to his community having served on both the West Orange Board of Education and the West Orange Planning Board in his New Jersey home town