The winds raged and the waves churned, rising more than 30 feet along the coast of Staten Island, N.Y., on Oct. 29, 2012. Seawater poured into homes as the wind tore walls and roofs from buildings.

The next morning, without power but with his home and advisory business intact, Allan Katz began what turned out to be a year of financial triage, helping patch up and rebuild the lives of clients and city residents.

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