David Rath, CMT, CFA
I'm not retired, but I help people to do so.
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Continuum Wealth Advisors
David Rath, CMT, CFA
Rate this
Advisor
Saratoga Springs, NY
Serving Clients Nationwide
I'm not retired, but I help people to do so.
Areas of Focus
- Financial Life Planning
- Investment Management
- Retirement Planning
About Me
Hi, I'm David Rath. I joined Continuum Wealth Advisors in 2021 with over a decade of experience in the wealth management industry. Immediately, I knew this was the place for me.My role here is Chief Investment Officer, where I am responsible for investment research, portfolio oversight, and communication of our strategies. My passion for the market extends beyond working hours, and I am constantly looking to expand my base of knowledge. To that end, I am both a CFA Charterholder and a CMT Charterholder. Those two designations represent many hours of hard work and sacrifice in pursuit of my post-college education. I also hold a Bachelor of Science in Financial Economics from Binghamton University.
Everything I do is driven by the desire to provide the best possible client experience. You worked hard to save that money - my job is to make sure it, in turn, works hard for you.
When not in the office, I love spending time with my wife and two sons. The remaining "me time" is spent cheering for the NY Giants and NY Rangers, practicing Brazilian Jiu-Jitsu, reading, exercising, and skiing.
I always love to chat markets so don't hesitate to reach out to me: drath@contwealth.com
Professional Designations
- Chartered Financial Analyst (CFA)
- Chartered Market Technician (CMT)
Affiliations
- The AGC
Primary Location
18 Division Street Suite 207B Saratoga Springs, NY 12866
Meeting Options
- Video Conference
- In-Person
- Phone
Compensation Methods
- Percentage of Assets Managed
What to expect in the first meeting
Click the 'Book Intro Call' button above to schedule a free 30-minute call. This is a pressure-free introductory call to determine if we are a good fit for each other. No intake forms. No sales pitch. No cost. Just talking. I look forward to speaking with you.Offers Investment Management
Yes
About our Firm
Life is hectic. Your finances shouldn't be.Located in Saratoga Springs, NY, Continuum Wealth Advisors is focused on simplifying the complexity of investing and personal finance to allow you to focus on what matters most. We pride ourselves in communicating regularly, in plain English, to ensure our clients understand that their money is in good hands.
With over sixty years of combined wealth management experience, you can feel confident in the team that is in charge of your investments.
HOW WE HELP
✔️ Investment Management
✔️ Retirement Planning
✔️ Financial Organization
✔️ Retirement Distribution Strategies
✔️ College Funding
✔️ Insurance Planning
✔️ Company Benefits
✔️ Company Stock Decisions
WHAT YOU CAN EXPECT
Communication: We communicate regularly, in plain English (no mentions of standard deviation here).
Expertise: We do the heavy lifting behind the scenes so you don't have to.
Personalization: We pick up the phone when you call and know your name (you are not just a number to us).
Organization: We provide an organized view of your finances so you understand everything that is important.
Continuum Wealth Advisors, LLC (“Continuum") is a registered investment advisor. Advisory services are only offered to clients or prospective clients where Continuum and its representatives are properly licensed or exempt from licensure.
Education
Binghamton University, Bachelor of Science, Financial Economics
Hobbies and Interests
- Exercising
- Family
- Football
- Hockey
- Movies
- Music
- Reading
- Skiing
- Sports
- Working Out
SEC Lookup
View DisclosureWho We Serve
- Baby Boomers
- Corporate Executives
- Dual Income Family
- Families
- Gen X
- Intergenerational Families
- Investors
- Living in Retirement
- Young Families
To make Wealthtender free for readers, we earn a nominal monthly fee from financial advisors and firms in exchange for marketing services (including being featured on this profile page), subject to terms of use. This compensation creates a natural conflict of interest when we favor their promotion over others. Wealthtender is not a client of these advisors or firms. Testimonials may not be representative of other clients’ experiences and do not guarantee future performance or success.
Write a Review
By clicking submit, you acknowledge this review is based on your own experience and reflects your genuine opinion. You also agree to our review policy, privacy policy, and terms and conditions, and give this financial advisor permission to publicly display your review on their website.
5 Stars
✅ Wealthtender Certified Advisor Review™
Mar 21, 2024
Excellent Wealth Advisory group who go the full mile+ to care for their accounts!
Relationship to Financial Advisor: Current Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
5 Stars
✅ Wealthtender Certified Advisor Review™
Jan 4, 2024
My wife and I have been working with Tim Smith and Continuum for approximately 20 years. We have been extremely pleased with the service and guidance that we have received from everyone at Continuum. Tim and staff are excellent at structuring portfolios to your short-term and long-term needs based on individual preferences, risk thresholds, and suggestions on their part. Above all, we have found Tim and the entire staff to exhibit the highest levels of honesty and integrity, which is of the utmost importance to us. We would highly recommend Tim Smith and Continuum, as financial advisors.
Relationship to Financial Advisor: Current Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
5 Stars
✅ Wealthtender Certified Advisor Review™
Jan 3, 2024
I began working with Tim Smith about 8 years ago never having met him prior our first meeting. I was met with a warm welcome, financial acceptance and professional courtesy I had never experienced. Our professional relationship progressed easily and I am very pleased with how my assets are managed, how routine business matters are handled and how one on one meetings are the norm. Continuum is a remarkable firm.
Relationship to Financial Advisor: Current Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
5 Stars
✅ Wealthtender Certified Advisor Review™
Dec 30, 2023
I've worked with Tim and company for years and I'm delighted with how my portfolio has grown. Tim and his colleagues are friendly, respectful and easy to work with.
Relationship to Financial Advisor: Current Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
5 Stars
✅ Wealthtender Certified Advisor Review™
Dec 29, 2023
As I retired about 18 months ago my wife and I turned to Continuum to help manage our retirement income and savings based on recommendations from a friend. They have been a fantastic resource and provide timely guidance, support and service and easy access to funds. The whole staff is welcoming and professional and cater to individual needs while always keeping an eye on growing and protecting assets. It is a relief to not worry about our finances because we know they are in good hands with Tim and the rest of the team.
Relationship to Financial Advisor: Current Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
5 Stars
✅ Wealthtender Certified Advisor Review™
Dec 22, 2023
We have used Continuum Wealth Advisors for our financial planning for nearly 20 years. Tim Smith has always been a true professional and a great listener. Tim takes the time to get to know each client personally so as to anticipate an appropriate strategy for them. He knows and understands our goals and makes recommendations accordingly. The staff and other advisors at Continuum are all very personable, knowledgeable and efficient. It is truly a pleasure to deal with Continuum Wealth Advisors and we recommend them highly.
Relationship to Financial Advisor: Current Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
5 Stars
✅ Wealthtender Certified Advisor Review™
Dec 19, 2023
I have had many financial advisors over the years. Tim Smith and his team are the most outstanding in that they listen to what I want, make recommendations when asked for them and are always very responsive to my requests.
Relationship to Financial Advisor: Current Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
5 Stars
✅ Wealthtender Certified Advisor Review™
Dec 19, 2023
Twenty-four years ago, we joined Continuum Wealth Advisors, expecting they would organize and update our portfolio as needed in the changing world of finances. We continue to be very pleased with the service and advice we received over the years. Thank you to all the members of Continuum Wealth who have simplified our lives. The Fitzgeralds
Relationship to Financial Advisor: Current Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
5 Stars
✅ Wealthtender Certified Advisor Review™
Dec 19, 2023
I have some competing goals. One goal is to use my resources to secure my future (i.e., make money). This goal competes with my unwillingness to learn the vagaries of the stock market and other investment opportunities. Happily, I have worked with Tim Smith and Continuum since their beginning days and through them I have managed to achieve both goals. I highly recommend them.
Relationship to Financial Advisor: Current Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
5 Stars
✅ Wealthtender Certified Advisor Review™
Dec 14, 2023
David’s expertise and explanation in simple terms has been very helpful for me to understand what is best for my future…thanks Dave!
Relationship to Financial Advisor: Current Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: Relationship to Partner
Disclosure: Deb is David Rath's stepmother and also a client of Continuum.
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