# Financial advisors for retirees in New Jersey > For retirees in New Jersey, talk to a fee-only planner who already works with people drawing down their savings. Your questions have moved from saving to spending, so look for steady withdrawals, tax-aware RMD planning, and care planning. Records to start with include Andy Panko of Tenon Financial, Asta Sanders of Empowered Retirement, Inc. and Ann Minnium of Concierge Financial Planning, LLC. Page: https://find.wellspent.co/audiences/retirees/new-jersey/ 73 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 as a retiree in New Jersey? For retirees in New Jersey, talk to a fee-only planner who already works with people drawing down their savings. Your questions have moved from saving to spending, so look for steady withdrawals, tax-aware RMD planning, and care planning. Records to start with include Andy Panko of Tenon Financial, Asta Sanders of Empowered Retirement, Inc. and Ann Minnium of Concierge Financial Planning, LLC. - [Andy Panko](https://find.wellspent.co/advisors/andy-panko/), Tenon Financial, Metuchen. Holds the RICP, CFP and EA. Fees on file: flat fee or retainer, 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. - [Ann Minnium](https://find.wellspent.co/advisors/ann-minnium/), Concierge Financial Planning, LLC, Margate City. Holds the CFP. Fees on file: hourly, one-time planning fee. - [Hazel Secco](https://find.wellspent.co/advisors/hazel-secco/), Align Financial Solutions, Hoboken. Holds the CFP. Fees on file: ongoing planning fee. - [Matthew Reynolds](https://find.wellspent.co/advisors/matthew-reynolds/), CRA Financial, Northfield. Holds the CFP. Fees on file: percentage of assets. - [Robert Tucker](https://find.wellspent.co/advisors/robert-tucker/), Tucker Wealth Advisory, Westfield. Holds the CFP. Fees on file: subscription, one-time planning fee. ## How many fee-only financial advisors in New Jersey work with retirees? The Wellspent public graph lists 73 fee-only advisors for retirees in New Jersey, at 39 firms. We counted every advisor record that lists this work, as of October 2026. ## Where are fee-only advisors for retirees in New Jersey located? Of the 73 fee-only advisors for retirees in New Jersey, 10 are in Northfield, followed by 8 in Ramsey and 6 in Red Bank. ## How do fee-only advisors for retirees in New Jersey charge? The most common fee among fee-only advisors for retirees in New Jersey is a percentage of assets, used by 89% of the 73 with fees on file. Many use more than one: 33% charge by the hour and 33% 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 retirees have? For retirees, look for the RICP, CFP and EA. In New Jersey, 48% of the 73 advisors listed hold the CFP. - RICP (1% of advisors listed): The RICP focuses on income in retirement. - CFP (48% of advisors listed): The CFP covers tax, insurance, and estate decisions together. - EA (3% of advisors listed): Enrolled agents help with RMDs and Medicare surcharges. ## How do New Jersey advisors for retirees compare with the rest of the US? 33% of fee-only advisors for retirees in New Jersey charge fixed fees, compared with 44% of the 3,334 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 as a retiree in New Jersey? - How much can I spend each year, and how will you adjust it? - How do you plan around RMDs and Medicare premiums? - How would you pay for long-term care if I needed it? - What happens if I can't manage this myself, or my spouse dies first? - How does New Jersey tax each source of my retirement income? ## How current is this list of fee-only advisors for retirees 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 | |---|---|---|---|---| | [Andrew Novick](https://find.wellspent.co/advisors/andrew-novick.md) | The Investment Connection | Bridgewater, New Jersey | CFP, JD | Percentage of assets, Ongoing planning fee, One-time planning fee | | [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 | | [Edward Leach](https://find.wellspent.co/advisors/edward-leach.md) | Highland Financial Advisors, LLC | Wayne, New Jersey | CEPA, CFP, MBA | Percentage of assets | | [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 | | [Ajay Kaisth](https://find.wellspent.co/advisors/ajay-kaisth.md) | KAI Advisors | Princeton Jct, New Jersey | CFP, CRPC, MA | Percentage of assets, Flat fee or retainer, Hourly, One-time planning fee, Ongoing planning fee | | [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 | | [Gordon Shearer](https://find.wellspent.co/advisors/gordon-shearer.md) | CRA Financial | Northfield, New Jersey | CFP | Percentage of assets | | [Jeffrey Hilliard](https://find.wellspent.co/advisors/jeffrey-hilliard.md) | CRA Financial | Haddonfield, New Jersey | CFP | Percentage of assets | | [Joseph McCaffrey](https://find.wellspent.co/advisors/joseph-mccaffrey-5427266.md) | CRA Financial | Haddonfield, New Jersey | CFP | Percentage of assets | | [Matthew Reynolds](https://find.wellspent.co/advisors/matthew-reynolds.md) | CRA Financial | Northfield, New Jersey | CFP | Percentage of assets | | [Philip Tompkins](https://find.wellspent.co/advisors/philip-tompkins.md) | CRA Financial | Northfield, New Jersey | CFP | Percentage of assets | | [Robert Martin](https://find.wellspent.co/advisors/robert-martin.md) | CRA Financial | Haddonfield, New Jersey | CFP | 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 | | [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 | | [Jamie Mutinsky](https://find.wellspent.co/advisors/jamie-mutinsky.md) | Emissary Wealth | Hackensack, New Jersey | CFP | Percentage of assets, Ongoing planning fee | | [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 | | [Bryan Kabot](https://find.wellspent.co/advisors/bryan-kabot.md) | Regency Wealth Management | Ramsey, New Jersey | CFP | Percentage of assets, Fixed fees | | [Donna Savastani](https://find.wellspent.co/advisors/donna-savastani.md) | CRA Financial | Northfield, New Jersey | | Percentage of assets | | [Jarman Reilly](https://find.wellspent.co/advisors/jarman-reilly.md) | CRA Financial | Northfield, New Jersey | | Percentage of assets | | [Jennifer Colon](https://find.wellspent.co/advisors/jennifer-colon.md) | CRA Financial | Northfield, New Jersey | | Percentage of assets | | [John Hughes](https://find.wellspent.co/advisors/john-hughes.md) | CRA Financial | Northfield, New Jersey | | Percentage of assets | | [Mark Andraos](https://find.wellspent.co/advisors/mark-andraos.md) | Regency Wealth Management | Ramsey, New Jersey | CFP | Percentage of assets, Fixed fees | | [Mark Reitsma](https://find.wellspent.co/advisors/mark-reitsma.md) | Regency Wealth Management | Ramsey, New Jersey | CFP | Percentage of assets, Fixed fees | | [Samantha Swiderski](https://find.wellspent.co/advisors/samantha-swiderski.md) | CRA Financial | Northfield, New Jersey | | Percentage of assets | | [Thomas Reynolds](https://find.wellspent.co/advisors/thomas-reynolds.md) | CRA Financial | Northfield, New Jersey | | Percentage of assets | | [Christina Light](https://find.wellspent.co/advisors/christina-light.md) | Emissary Wealth | Hackensack, New Jersey | | Percentage of assets, Ongoing planning fee | | [Christopher Cacchiola](https://find.wellspent.co/advisors/christopher-cacchiola.md) | Emissary Wealth | Hackensack, New Jersey | | Percentage of assets, Ongoing planning fee | | [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 | | [Nina Shaw](https://find.wellspent.co/advisors/nina-shaw.md) | The DBS Companies | Mendham, New Jersey | CFA | Percentage of assets, Hourly | | [Steven Longa](https://find.wellspent.co/advisors/steven-longa.md) | Emissary Wealth | Hackensack, New Jersey | | Percentage of assets, Ongoing planning fee | | [Andrew Aran](https://find.wellspent.co/advisors/andrew-aran.md) | Regency Wealth Management | Ramsey, New Jersey | CFA | Percentage of assets, Fixed fees | | [David Tepp](https://find.wellspent.co/advisors/david-tepp.md) | Tepp Wealth Management | Westfield, New Jersey | PFS | Percentage of assets, Hourly, Fixed fees | Showing the first 50 of 73. The full list, page by page: https://find.wellspent.co/audiences/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) - [Pre-retirees in New Jersey](https://find.wellspent.co/audiences/pre-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).