# Financial advisors for people close to retirement in New Jersey > For people close to retirement in New Jersey, talk to a fee-only planner five to ten years before you stop working, while there's still time to change things. Look for someone who tests your retirement date and shows you what would have to be true for it to work. Records to start with include Andy Panko of Tenon Financial, Vid Ponnapalli of Unique Financial Advisors LLC and Asta Sanders of Empowered Retirement, Inc.. Page: https://find.wellspent.co/audiences/pre-retirees/new-jersey/ 67 fee-only advisors listed; data last updated October 30, 2026. Fee-only means paid only by clients, never by commissions. ## Which financial advisor should I talk to if you're close to retirement in New Jersey? For people close to retirement in New Jersey, talk to a fee-only planner five to ten years before you stop working, while there's still time to change things. Look for someone who tests your retirement date and shows you what would have to be true for it to work. Records to start with include Andy Panko of Tenon Financial, Vid Ponnapalli of Unique Financial Advisors LLC and Asta Sanders of Empowered Retirement, Inc.. - [Andy Panko](https://find.wellspent.co/advisors/andy-panko/), Tenon Financial, Metuchen. Holds the CFP, RICP and EA. Fees on file: flat fee or retainer, ongoing planning fee. - [Vid Ponnapalli](https://find.wellspent.co/advisors/vid-ponnapalli/), Unique Financial Advisors LLC, Holmdel. Holds the CFP and EA. Fees on file: ongoing planning fee. - [Asta Sanders](https://find.wellspent.co/advisors/asta-sanders/), Empowered Retirement, Inc., Roseland. Holds the CFP and EA. Fees on file: percentage of assets, hourly. - [Eric Gabor](https://find.wellspent.co/advisors/eric-gabor/), Eagle Grove Advisors, Westfield. Holds the CFP. Fees on file: percentage of assets, ongoing planning fee. - [Gideon Drucker](https://find.wellspent.co/advisors/gideon-drucker/), Drucker Wealth, Mahwah. Holds the CFP. Fees on file: percentage of assets. - [Eric Feldman](https://find.wellspent.co/advisors/eric-feldman/), Financial Futures, Wall Township. Holds the CFP. Fees on file: percentage of assets, hourly. ## How many fee-only financial advisors in New Jersey work with people close to retirement? The Wellspent public graph lists 67 fee-only advisors for people close to retirement in New Jersey, at 40 firms. We counted every advisor record that lists this work, as of October 2026. ## Where are fee-only advisors for people close to retirement in New Jersey located? Of the 67 fee-only advisors for people close to retirement in New Jersey, 8 are in Red Bank, followed by 8 in Colts Neck and 5 in Westfield. ## How do fee-only advisors for people close to retirement in New Jersey charge? The most common fee among fee-only advisors for people close to retirement in New Jersey is a percentage of assets, used by 82% of the 67 with fees on file. Many use more than one: 55% charge by the hour and 48% charge fixed fees. ## How much do fee-only financial advisors charge in New Jersey? Fee-only financial advisors in New Jersey charge a median of $7,450 a year for ongoing planning. We found this across the published prices of 17 New Jersey firms. ## How much does a one-time financial plan cost in New Jersey? A one-time financial plan from a fee-only firm in New Jersey has a median price of $2,500. We found this across the published prices of 16 New Jersey firms. ## What credentials should a financial advisor for people close to retirement have? For people close to retirement, look for the CFP, RICP and EA. In New Jersey, 42% of the 67 advisors listed hold the CFP. - CFP (42% of advisors listed): The CFP covers the whole transition. - RICP (1% of advisors listed): The RICP focuses on turning savings into income. - EA (4% of advisors listed): Enrolled agents help with the low-tax years before Social Security. ## How do New Jersey advisors for people close to retirement compare with the rest of the US? 55% of fee-only advisors for people close to retirement in New Jersey charge by the hour, compared with 39% of the 2,969 listed across the US. That's the largest difference in the Wellspent public graph between the two groups. ## Does New Jersey tax Social Security? No. New Jersey doesn't tax Social Security. Its treatment of IRA withdrawals and pensions has its own rules, so ask to see them in your plan. ## What should I ask a financial advisor if you're close to retirement in New Jersey? - Can I retire when I want to, and what would change your answer? - How should my investments change in the years before I stop working? - How do I cover health insurance before Medicare? - What should I do with my 401(k) when I leave? - How does New Jersey tax each source of my retirement income? ## How current is this list of fee-only advisors for people close to retirement in New Jersey? Wellspent last checked these records against SEC records in October 2026 and firm websites in October 2026. Each advisor's page shows the date for that record. ## Advisors | Advisor | Firm | Location | Credentials | Fees | |---|---|---|---|---| | [Hazel Secco](https://find.wellspent.co/advisors/hazel-secco.md) | Align Financial Solutions | Hoboken, New Jersey | CDFA, CFP | Ongoing planning fee | | [Sweta Bhargav](https://find.wellspent.co/advisors/sweta-bhargav.md) | Adviso Wealth | Princeton, New Jersey | CEPA, CFA, CFP | Flat fee or retainer, Hourly, One-time planning fee, Ongoing planning fee | | [Tom Duffy](https://find.wellspent.co/advisors/tom-duffy.md) | Jersey Shore Financial Advisors LLC | Red Bank, New Jersey | CFP, CDFA, MBA, CRPC | Flat fee or retainer, Ongoing planning fee, One-time planning fee | | [Andy Panko](https://find.wellspent.co/advisors/andy-panko.md) | Tenon Financial | Metuchen, New Jersey | CFP, RICP, TPCP, EA | Flat fee or retainer, Ongoing planning fee | | [Ann Minnium](https://find.wellspent.co/advisors/ann-minnium.md) | Concierge Financial Planning, LLC | Margate City, New Jersey | CFP | Hourly, One-time planning fee | | [Bernard Kiely](https://find.wellspent.co/advisors/bernard-kiely.md) | Kiely Capital Management, Inc. | Morristown, New Jersey | BA, CFP, CPA, MBA | Percentage of assets, Hourly, One-time planning fee, Ongoing planning fee | | [Thomas Mullooly](https://find.wellspent.co/advisors/thomas-mullooly.md) | Mullooly Asset Management, Inc. | Wall Township, New Jersey | CFP | Percentage of assets, Ongoing planning fee | | [Anthony Benante](https://find.wellspent.co/advisors/anthony-benante.md) | Baron Financial Group, LLC | Morristown, New Jersey | CFA, CFP, ChFC, FPQP, MBA | Percentage of assets, Fixed fees | | [Robert Tucker](https://find.wellspent.co/advisors/robert-tucker.md) | Tucker Wealth Advisory | Westfield, New Jersey | CFA, CFP | Subscription, One-time planning fee, Hourly | | [Sage Vincent](https://find.wellspent.co/advisors/sage-vincent.md) | PortSalus Wealth Management | Metuchen, New Jersey | CFP, CFS, CIMA, CMT, CRPS, MSFS | Percentage of assets, Fixed fees | | [Asta Sanders](https://find.wellspent.co/advisors/asta-sanders.md) | Empowered Retirement, Inc. | Roseland, New Jersey | CFP, CPWA, EA | Percentage of assets, Hourly, Fixed fees | | [Jenna VanLeeuwen](https://find.wellspent.co/advisors/jenna-vanleeuwen.md) | Aligning Wealth | Jersey City, New Jersey | CEPA, CFP | Percentage of assets, Hourly, Fixed fees | | [Steven Balch](https://find.wellspent.co/advisors/steven-balch.md) | | Ramsey, New Jersey | CFP | Percentage of assets, One-time planning fee, Flat fee or retainer | | [Aiden Boorstein](https://find.wellspent.co/advisors/aiden-boorstein.md) | RockCrest Financial | Turnersville, New Jersey | CFP | Flat fee or retainer, Ongoing planning fee, One-time planning fee, Percentage of assets | | [Steven Boorstein](https://find.wellspent.co/advisors/steven-boorstein.md) | RockCrest Financial | Turnersville, New Jersey | CFP | Flat fee or retainer, Ongoing planning fee, One-time planning fee, Percentage of assets | | [Vid Ponnapalli](https://find.wellspent.co/advisors/vid-ponnapalli.md) | Unique Financial Advisors LLC | Holmdel, New Jersey | CFP, EA, MSFP | Ongoing planning fee | | [Dru Burns](https://find.wellspent.co/advisors/dru-burns.md) | Drucker Wealth | Mahwah, New Jersey | CFP | Percentage of assets | | [Eric Feldman](https://find.wellspent.co/advisors/eric-feldman.md) | Financial Futures | Wall Township, New Jersey | CFP | Percentage of assets, Hourly, One-time planning fee, Ongoing planning fee | | [Eric Gabor](https://find.wellspent.co/advisors/eric-gabor.md) | Eagle Grove Advisors | Westfield, New Jersey | CFP | Percentage of assets, Ongoing planning fee | | [Gideon Drucker](https://find.wellspent.co/advisors/gideon-drucker.md) | Drucker Wealth | Mahwah, New Jersey | CFP | Percentage of assets | | [Jorie Johnson](https://find.wellspent.co/advisors/jorie-johnson.md) | Financial Futures | Brielle, New Jersey | CFP | Percentage of assets, Hourly, One-time planning fee, Ongoing planning fee | | [Richard Taborda](https://find.wellspent.co/advisors/richard-taborda.md) | LBT Wealth Management | Iselin, New Jersey | CFP | Percentage of assets, Ongoing planning fee | | [Robert Gregov](https://find.wellspent.co/advisors/robert-gregov.md) | Roche Financial Partners | Hopewell, New Jersey | CFP, CFA | Percentage of assets, Ongoing planning fee | | [John Fredrick](https://find.wellspent.co/advisors/john-fredrick.md) | RockCrest Financial | Somers Point, New Jersey | ChFC | Flat fee or retainer, Ongoing planning fee, One-time planning fee, Percentage of assets | | [Paul Esposito](https://find.wellspent.co/advisors/paul-esposito.md) | Prestige Wealth Management Group | Flemington, New Jersey | CFP, CFA | Percentage of assets, Hourly, Fixed fees | | [Eric Nelson](https://find.wellspent.co/advisors/eric-nelson-5885266.md) | Independence Wealth | Voorhees, New Jersey | CFP | Percentage of assets, Fixed fees | | [Felicia Greenwald](https://find.wellspent.co/advisors/felicia-greenwald.md) | Financial Futures | Brielle, New Jersey | | Percentage of assets, Hourly, One-time planning fee, Ongoing planning fee | | [Jeffrey Barnett](https://find.wellspent.co/advisors/jeffrey-barnett.md) | Fintegrity | Tenafly, New Jersey | | Ongoing planning fee, One-time planning fee | | [Jesse Celeste](https://find.wellspent.co/advisors/jesse-celeste.md) | Artistic Wealth | Red Bank, New Jersey | | Percentage of assets, Flat fee or retainer, Hourly, Subscription | | [Matthew Larocca](https://find.wellspent.co/advisors/matthew-larocca.md) | RDM Capital | Red Bank, New Jersey | CFP | Percentage of assets | | [David Tepp](https://find.wellspent.co/advisors/david-tepp.md) | Tepp Wealth Management | Westfield, New Jersey | PFS | Percentage of assets, Hourly, Fixed fees | | [Gregg Auerbach](https://find.wellspent.co/advisors/gregg-auerbach.md) | Meadowbrook Advisors | Bedminster, New Jersey | | Percentage of assets, Fixed fees | | [Matthew Santarsiero](https://find.wellspent.co/advisors/matthew-santarsiero.md) | Tomoro | Colts Neck, New Jersey | CFP | Percentage of assets, Hourly, Fixed fees | | [Nalby Nouh](https://find.wellspent.co/advisors/nalby-nouh.md) | Prestige Wealth Management Group | Flemington, New Jersey | | Percentage of assets, Hourly, Fixed fees | | [Sanjiv Jhaveri](https://find.wellspent.co/advisors/sanjiv-jhaveri.md) | SJ Capital Management | Monmouth Junction, New Jersey | CFA | Percentage of assets, Hourly, Fixed fees | | [Abel Reyes](https://find.wellspent.co/advisors/abel-reyes.md) | Rimac Capital | Bayonne, New Jersey | | Percentage of assets, Hourly, Fixed fees | | [Alexander MacKnight](https://find.wellspent.co/advisors/alexander-macknight.md) | Rimac Capital | Bayonne, New Jersey | | Percentage of assets, Hourly, Fixed fees | | [Andrew Donoghue](https://find.wellspent.co/advisors/andrew-donoghue.md) | AMD Wealth Management | Northfield, New Jersey | | Percentage of assets, One-time planning fee | | [Kevin Leeds](https://find.wellspent.co/advisors/kevin-leeds.md) | Vision Retirement | Maywood, New Jersey | | Flat fee or retainer, Hourly, Ongoing planning fee, One-time planning fee | | [Lino DeAngelis](https://find.wellspent.co/advisors/lino-deangelis.md) | Alliance Wealth Management Group | Flemington, New Jersey | CFP | Percentage of assets, Hourly, Fixed fees | | [Sara Solano](https://find.wellspent.co/advisors/sara-solano.md) | LodeStar | Long Valley, New Jersey | | Percentage of assets, Hourly, Fixed fees | | [Charles Pouliot](https://find.wellspent.co/advisors/charles-pouliot.md) | Wealth Effects | West New York, New Jersey | | Percentage of assets | | [David Berkowitz](https://find.wellspent.co/advisors/david-berkowitz.md) | VAP Wealth Advisors | Red Bank, New Jersey | | Percentage of assets | | [Jaclyn Campis](https://find.wellspent.co/advisors/jaclyn-campis.md) | Tomoro | Colts Neck, New Jersey | CFA | Percentage of assets, Hourly, Fixed fees | | [Jennifer Kirby](https://find.wellspent.co/advisors/jennifer-kirby.md) | Talisman Wealth Advisors | Mountainside, New Jersey | | Ongoing planning fee | | [Jenny Elstein](https://find.wellspent.co/advisors/jenny-elstein.md) | Talisman Wealth Advisors | Mountainside, New Jersey | | Ongoing planning fee | | [Justin Scotto](https://find.wellspent.co/advisors/justin-scotto.md) | Tomoro | Colts Neck, New Jersey | ChFC | Percentage of assets, Hourly, Fixed fees | | [Maria Garyfallos](https://find.wellspent.co/advisors/maria-garyfallos.md) | Tepp Wealth Management | Westfield, New Jersey | | Percentage of assets, Hourly, Fixed fees | | [Matthew Granizo](https://find.wellspent.co/advisors/matthew-granizo.md) | Talisman Wealth Advisors | Mountainside, New Jersey | | Ongoing planning fee | | [Sarah Kovalakides](https://find.wellspent.co/advisors/sarah-kovalakides.md) | Tepp Wealth Management | Westfield, New Jersey | | Percentage of assets, Hourly, Fixed fees | Showing the first 50 of 67. The full list, page by page: https://find.wellspent.co/audiences/pre-retirees/new-jersey/?page=2 ## Related - [Retirement planning in New Jersey](https://find.wellspent.co/specialties/retirement-planning/new-jersey.md) - [Estate planning in New Jersey](https://find.wellspent.co/specialties/estate-planning/new-jersey.md) - [Tax planning in New Jersey](https://find.wellspent.co/specialties/tax-planning/new-jersey.md) - [Retirees in New Jersey](https://find.wellspent.co/audiences/retirees/new-jersey.md) - [Family wealth transfer in New Jersey](https://find.wellspent.co/specialties/family-wealth-transfer/new-jersey.md) - [Small business owners in New Jersey](https://find.wellspent.co/specialties/small-business-owners/new-jersey.md) ## About this data Sources and verification: https://find.wellspent.co/methodology/ Query the directory programmatically: https://api.wellspent.co/mcp (MCP, read-only, no auth).