Financial advisors for retirees in New Jersey
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.
Where to start
Chosen from what each record shows: credentials that fit this work and fees on file, one advisor per firm.
- Andy Panko Tenon Financial, Metuchen Holds the RICP, CFP and EA. Fees on file: flat fee or retainer, ongoing planning fee.
- Asta Sanders Empowered Retirement, Inc., Roseland Holds the CFP and EA. Fees on file: percentage of assets, hourly.
- Ann Minnium Concierge Financial Planning, LLC, Margate City Holds the CFP. Fees on file: hourly, one-time planning fee.
- Hazel Secco Align Financial Solutions, Hoboken Holds the CFP. Fees on file: ongoing planning fee.
- Matthew Reynolds CRA Financial, Northfield Holds the CFP. Fees on file: percentage of assets.
- 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.
Plus 39 in other cities.
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.
- RICP1% in New Jersey
- The RICP focuses on income in retirement.
- CFP48% in New Jersey
- The CFP covers tax, insurance, and estate decisions together.
- EA3% in New Jersey
- 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.
Dark bars are New Jersey. Light bars are all US advisors for retirees.
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.
All 73 advisors
| Advisor | Firm | City | Credentials | Fees |
|---|---|---|---|---|
| Andrew Novick | The Investment Connection | Bridgewater | CFP, JD | Percentage of assets, Ongoing planning fee |
| Hazel Secco | Align Financial Solutions | Hoboken | CDFA, CFP | Ongoing planning fee |
| Sweta Bhargav | Adviso Wealth | Princeton | CEPA, CFA, CFP | Flat fee or retainer, Hourly |
| Tom Duffy | Jersey Shore Financial Advisors LLC | Red Bank | CFP, CDFA, MBA, CRPC | Flat fee or retainer, Ongoing planning fee |
| Andy Panko | Tenon Financial | Metuchen | CFP, RICP, TPCP, EA | Flat fee or retainer, Ongoing planning fee |
| Ann Minnium | Concierge Financial Planning, LLC | Margate City | CFP | Hourly, One-time planning fee |
| Edward Leach | Highland Financial Advisors, LLC | Wayne | CEPA, CFP, MBA | Percentage of assets |
| Thomas Mullooly | Mullooly Asset Management, Inc. | Wall Township | CFP | Percentage of assets, Ongoing planning fee |
| Anthony Benante | Baron Financial Group, LLC | Morristown | CFA, CFP, ChFC, FPQP | Percentage of assets, Fixed fees |
| Robert Tucker Unbiased retirement, tax and investment planning for individuals and families, with project-based, hourly or ongoing options. | Tucker Wealth Advisory | Westfield | CFA, CFP | Subscription, One-time planning fee |
| Ajay Kaisth | KAI Advisors | Princeton Jct | CFP, CRPC, MA | Percentage of assets, Flat fee or retainer |
| Asta Sanders | Empowered Retirement, Inc. | Roseland | CFP, CPWA, EA | Percentage of assets, Hourly |
| Jenna VanLeeuwen | Aligning Wealth | Jersey City | CEPA, CFP | Percentage of assets, Hourly |
| Steven Balch Helping you organize your financial life so you can focus on what truly matters | Not listed | Ramsey | CFP | Percentage of assets, One-time planning fee |
| Aiden Boorstein | RockCrest Financial | Turnersville | CFP | Flat fee or retainer, Ongoing planning fee |
| Gordon Shearer | CRA Financial | Northfield | CFP | Percentage of assets |
| Jeffrey Hilliard | CRA Financial | Haddonfield | CFP | Percentage of assets |
| Joseph McCaffrey | CRA Financial | Haddonfield | CFP | Percentage of assets |
| Matthew Reynolds | CRA Financial | Northfield | CFP | Percentage of assets |
| Philip Tompkins | CRA Financial | Northfield | CFP | Percentage of assets |
| Robert Martin | CRA Financial | Haddonfield | CFP | Percentage of assets |
| Steven Boorstein | RockCrest Financial | Turnersville | CFP | Flat fee or retainer, Ongoing planning fee |
| Eric Feldman | Financial Futures | Wall Township | CFP | Percentage of assets, Hourly |
| Eric Gabor | Eagle Grove Advisors | Westfield | CFP | Percentage of assets, Ongoing planning fee |
| Jamie Mutinsky | Emissary Wealth | Hackensack | CFP | Percentage of assets, Ongoing planning fee |
| Jorie Johnson | Financial Futures | Brielle | CFP | Percentage of assets, Hourly |
| Richard Taborda | LBT Wealth Management | Iselin | CFP | Percentage of assets, Ongoing planning fee |
| Robert Gregov | Roche Financial Partners | Hopewell | CFP, CFA | Percentage of assets, Ongoing planning fee |
| John Fredrick | RockCrest Financial | Somers Point | ChFC | Flat fee or retainer, Ongoing planning fee |
| Paul Esposito | Prestige Wealth Management Group | Flemington | CFP, CFA | Percentage of assets, Hourly |
| Eric Nelson | Independence Wealth | Voorhees | CFP | Percentage of assets, Fixed fees |
| Bryan Kabot | Regency Wealth Management | Ramsey | CFP | Percentage of assets, Fixed fees |
| Donna Savastani | CRA Financial | Northfield | Not listed | Percentage of assets |
| Jarman Reilly | CRA Financial | Northfield | Not listed | Percentage of assets |
| Jennifer Colon | CRA Financial | Northfield | Not listed | Percentage of assets |
| John Hughes | CRA Financial | Northfield | Not listed | Percentage of assets |
| Mark Andraos | Regency Wealth Management | Ramsey | CFP | Percentage of assets, Fixed fees |
| Mark Reitsma | Regency Wealth Management | Ramsey | CFP | Percentage of assets, Fixed fees |
| Samantha Swiderski | CRA Financial | Northfield | Not listed | Percentage of assets |
| Thomas Reynolds | CRA Financial | Northfield | Not listed | Percentage of assets |
| Christina Light | Emissary Wealth | Hackensack | Not listed | Percentage of assets, Ongoing planning fee |
| Christopher Cacchiola | Emissary Wealth | Hackensack | Not listed | Percentage of assets, Ongoing planning fee |
| Felicia Greenwald | Financial Futures | Brielle | Not listed | Percentage of assets, Hourly |
| Jeffrey Barnett | Fintegrity | Tenafly | Not listed | Ongoing planning fee, One-time planning fee |
| Jesse Celeste Artistic Wealth was created for endowments, entrepreneurs, and pre-retirees/retirees who want custom tailored planning, a wealth partner who listens and acts in the best interest of the client. | Artistic Wealth | Red Bank | Not listed | Percentage of assets, Flat fee or retainer |
| Matthew Larocca | RDM Capital | Red Bank | CFP | Percentage of assets |
| Nina Shaw | The DBS Companies | Mendham | CFA | Percentage of assets, Hourly |
| Steven Longa | Emissary Wealth | Hackensack | Not listed | Percentage of assets, Ongoing planning fee |
| Andrew Aran | Regency Wealth Management | Ramsey | CFA | Percentage of assets, Fixed fees |
| David Tepp | Tepp Wealth Management | Westfield | PFS | Percentage of assets, Hourly |
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