# Financial advisors for retirement planning in New Jersey > For retirement planning in New Jersey, talk to a fee-only planner who builds a withdrawal plan, not only an investment portfolio. Look for someone who works out where your income comes from each year, in what order, and what tax it triggers. Records to start with include Andy Panko of Tenon Financial, Bernard Kiely of Kiely Capital Management, Inc. and Sean Lovison of Purpose Built Financial Services, LLC. Page: https://find.wellspent.co/specialties/retirement-planning/new-jersey/ 153 fee-only advisors listed; data last updated November 2, 2026. Fee-only means paid only by clients, never by commissions. ## Which financial advisor should I talk to about retirement planning in New Jersey? For retirement planning in New Jersey, talk to a fee-only planner who builds a withdrawal plan, not only an investment portfolio. Look for someone who works out where your income comes from each year, in what order, and what tax it triggers. Records to start with include Andy Panko of Tenon Financial, Bernard Kiely of Kiely Capital Management, Inc. and Sean Lovison of Purpose Built Financial Services, 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. - [Bernard Kiely](https://find.wellspent.co/advisors/bernard-kiely/), Kiely Capital Management, Inc., Morristown. Holds the CFP and CPA. Fees on file: percentage of assets, hourly. - [Sean Lovison](https://find.wellspent.co/advisors/sean-lovison/), Purpose Built Financial Services, LLC, Moorestown. Holds the CFP and CPA. Fees on file: ongoing planning fee, one-time planning fee. - [Kevin Peacock](https://find.wellspent.co/advisors/kevin-peacock/), Astra Wealth Partners, LLC, Jersey City. Holds the CFP and EA. Fees on file: percentage of assets, fixed fees. - [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. - [Richard Taborda](https://find.wellspent.co/advisors/richard-taborda/), LBT Wealth Management, Iselin. Holds the CFP. Fees on file: percentage of assets, ongoing planning fee. ## How many fee-only financial advisors in New Jersey work on retirement planning? The Wellspent public graph lists 153 fee-only advisors for retirement planning in New Jersey, at 85 firms. We counted every advisor record that lists this work, as of November 2026. ## Where are fee-only advisors for retirement planning in New Jersey located? Of the 153 fee-only advisors for retirement planning in New Jersey, 11 are in Parsippany, followed by 10 in Northfield and 8 in Ramsey. ## How do fee-only advisors for retirement planning in New Jersey charge? The most common fee among fee-only advisors for retirement planning in New Jersey is a percentage of assets, used by 86% of the 153 with fees on file. Many use more than one: 41% charge fixed fees and 38% charge by the hour. ## 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 retirement planning have? For retirement planning, look for the RICP, CFP and EA. In New Jersey, 49% of the 153 advisors listed hold the CFP. - RICP (1% of advisors listed): The RICP is built around retirement income specifically. - CFP (49% of advisors listed): The CFP covers income, tax, insurance, and estate decisions together. - EA (3% of advisors listed): Enrolled agents help with Roth conversions and withdrawal order. - CPA (1% of advisors listed): CPAs help with the tax side of withdrawals. ## How do New Jersey advisors for retirement planning compare with the rest of the US? 38% of fee-only advisors for retirement planning in New Jersey charge by the hour, compared with 45% of the 7,304 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 about retirement planning in New Jersey? - How do you decide which accounts I draw from first? - When would you have me claim Social Security, and why? - How do you handle a bad market in my first years of retirement? - Will you run Roth conversion scenarios for me each year? - How does New Jersey tax each source of my retirement income? ## How current is this list of fee-only advisors for retirement planning 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 | | [Sean Lovison](https://find.wellspent.co/advisors/sean-lovison.md) | Purpose Built Financial Services, LLC | Moorestown, New Jersey | CFP, CPA | Ongoing planning fee, One-time planning fee, Percentage of assets | | [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 | | [Tomas Geoghegan](https://find.wellspent.co/advisors/tomas-geoghegan.md) | Beacon Hill Private Wealth | Summit, New Jersey | CFP, CIMA, CPWA, MBA, RMA | Percentage of assets, 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 | | [Jeremy Chambers](https://find.wellspent.co/advisors/jeremy-chambers.md) | the hourly advisor llc | Hoboken, New Jersey | CFP | Hourly | | [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 | | [Kevin Peacock](https://find.wellspent.co/advisors/kevin-peacock.md) | Astra Wealth Partners, LLC | Jersey City, New Jersey | CAIA, CFP, EA | Percentage of assets, Fixed fees, Performance-based fees | | [Mike Schupak](https://find.wellspent.co/advisors/mike-schupak.md) | Astra Wealth Partners LLC | Jersey City, New Jersey | CFP, EA | Percentage of assets, Fixed fees, Performance-based 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 | | [Ryan Dunn](https://find.wellspent.co/advisors/ryan-dunn.md) | Novi Wealth Partners | Princeton, New Jersey | CFP, CRPC | Percentage of assets, Hourly, Fixed fees | | [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 | | [Chuck Rose](https://find.wellspent.co/advisors/chuck-rose.md) | Granite Rose Wealth Alliance LLC | Fairfield, New Jersey | CFP | One-time planning fee | | [Frank Austin](https://find.wellspent.co/advisors/frank-austin.md) | Sustainable Financial Planning LLC | Hopatcong, New Jersey | BA, CFA, CFP, MBA, ChFC | Percentage of assets, One-time planning fee, Ongoing planning fee | | [Jenna VanLeeuwen](https://find.wellspent.co/advisors/jenna-vanleeuwen.md) | Aligning Wealth | Jersey City, New Jersey | CEPA, CFP | Percentage of assets, Hourly, Fixed fees | | [Nicholas LaVerghetta](https://find.wellspent.co/advisors/nicholas-laverghetta.md) | NCM Capital Management, LLC | Long Beach Island, New Jersey | CFP | Hourly | | [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 | | [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 | | [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 | | [Andrew Randisi](https://find.wellspent.co/advisors/andrew-randisi.md) | Pennsylvania Capital Management | Pennsauken, New Jersey | CFP | Percentage of assets, Hourly, Fixed fees | | [Brian Sheahen](https://find.wellspent.co/advisors/brian-sheahen.md) | Hudson Oak Wealth Advisory | Hoboken, New Jersey | CFP, PFS | Ongoing planning fee | | [Eric Furey](https://find.wellspent.co/advisors/eric-furey.md) | Accretive Wealth Partners | Parsippany, New Jersey | CFP, CFA | Percentage of assets | | [Gary Ribe](https://find.wellspent.co/advisors/gary-ribe.md) | Accretive Wealth Partners | Parsippany, New Jersey | CFP, CFA | Percentage of assets | | [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 | | [Kelly Trageser](https://find.wellspent.co/advisors/kelly-trageser.md) | Sea Clear Financial Planning | Brielle, New Jersey | CFP | Percentage of assets, Hourly | | [Marc Morgan](https://find.wellspent.co/advisors/marc-morgan.md) | Heroic Financial | New Jersey, New Jersey | | Hourly | | [Nicholas Sullivan](https://find.wellspent.co/advisors/nicholas-sullivan.md) | KFA Private Wealth Group | Cranford, New Jersey | CFP | Percentage of assets, Hourly, Fixed fees | | [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 | | [Stephen Esposito](https://find.wellspent.co/advisors/stephen-esposito.md) | Accretive Wealth Partners | Parsippany, New Jersey | CFP | Percentage of assets | Showing the first 50 of 153. The full list, page by page: https://find.wellspent.co/specialties/retirement-planning/new-jersey/?page=2 ## Related - [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) - [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).