# Financial advisors for small business owners in New Jersey > For small business owners in New Jersey, talk to a fee-only planner who treats the business and the household as one balance sheet. Look for someone who can speak to entity choice, owner pay, and retirement plans for the company, not only your personal accounts. Records to start with include Joe Vecchio of Shore Financial Planning, LLC, Sean Lovison of Purpose Built Financial Services, LLC and Matt Reakus of Sound Wealth LLC. Page: https://find.wellspent.co/specialties/small-business-owners/new-jersey/ 64 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 small business owner in New Jersey? For small business owners in New Jersey, talk to a fee-only planner who treats the business and the household as one balance sheet. Look for someone who can speak to entity choice, owner pay, and retirement plans for the company, not only your personal accounts. Records to start with include Joe Vecchio of Shore Financial Planning, LLC, Sean Lovison of Purpose Built Financial Services, LLC and Matt Reakus of Sound Wealth LLC. - [Joe Vecchio](https://find.wellspent.co/advisors/joe-vecchio/), Shore Financial Planning, LLC, Monmouth Beach. Holds the CPA and CFP. Fees on file: flat fee or retainer. - [Sean Lovison](https://find.wellspent.co/advisors/sean-lovison/), Purpose Built Financial Services, LLC, Moorestown. Holds the CPA and CFP. Fees on file: ongoing planning fee, one-time planning fee. - [Matt Reakus](https://find.wellspent.co/advisors/matt-reakus/), Sound Wealth LLC, Marlton. Holds the EA and CFP. 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. - [Andrew Mastro](https://find.wellspent.co/advisors/andrew-mastro/), Wrought Financial Planning, Haddonfield. Holds the CFP. Fees on file: ongoing planning fee, flat fee or retainer. - [Jamie Mutinsky](https://find.wellspent.co/advisors/jamie-mutinsky/), Emissary Wealth, Hackensack. Holds the CFP. Fees on file: percentage of assets, ongoing planning fee. ## How many fee-only financial advisors in New Jersey work with small business owners? The Wellspent public graph lists 64 fee-only advisors for small business owners in New Jersey, at 33 firms. We counted every advisor record that lists this work, as of October 2026. ## Where are fee-only advisors for small business owners in New Jersey located? Of the 64 fee-only advisors for small business owners in New Jersey, 9 are in Northfield, followed by 6 in Glassboro and 5 in Montville. ## How do fee-only advisors for small business owners in New Jersey charge? The most common fee among fee-only advisors for small business owners in New Jersey is a percentage of assets, used by 86% of the 64 with fees on file. Many use more than one: 34% charge fixed fees and 30% 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 small business owners have? For small business owners, look for the CPA, EA and CFP. In New Jersey, 41% of the 64 advisors listed hold the CFP. - CPA (3% of advisors listed): CPAs understand entity structure and business books. - EA (2% of advisors listed): Enrolled agents help with owner pay and business tax. - CFP (41% of advisors listed): The CFP keeps the business in the wider plan. ## How do New Jersey advisors for small business owners compare with the rest of the US? 34% of fee-only advisors for small business owners in New Jersey charge fixed fees, compared with 52% of the 2,851 listed across the US. That's the largest difference in the Wellspent public graph between the two groups. ## Does New Jersey tax income on top of federal tax? Yes. New Jersey has a state income tax, so a financial plan for a New Jersey resident should project it alongside federal tax. ## What should I ask a financial advisor as a small business owner in New Jersey? - Which retirement plan would you set up for my business, and why? - How would you set my salary against distributions? - How much of my net worth should stay in the business? - How do you plan for an eventual sale or succession? - How will you plan for New Jersey tax alongside federal tax? ## How current is this list of fee-only advisors for small business owners 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 | | [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 | | [Andrew Mastro](https://find.wellspent.co/advisors/andrew-mastro.md) | Wrought Financial Planning | Haddonfield, New Jersey | CFP, CFA | Ongoing planning fee, Flat fee or retainer | | [Matt Reakus](https://find.wellspent.co/advisors/matt-reakus.md) | Sound Wealth LLC | Marlton, New Jersey | CFP, EA | Percentage of assets, Hourly, Fixed fees | | [Joe Vecchio](https://find.wellspent.co/advisors/joe-vecchio.md) | Shore Financial Planning, LLC | Monmouth Beach, New Jersey | CFP, CPA, MBA, PFS | Flat fee or retainer | | [Chuck Rose](https://find.wellspent.co/advisors/chuck-rose.md) | Granite Rose Wealth Alliance LLC | Fairfield, New Jersey | CFP | One-time planning fee | | [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 | | [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 | | [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 | | [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 | | [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 | | [Peter D'Agati](https://find.wellspent.co/advisors/peter-d-agati.md) | Stembrook Asset Management | Jersey City, New Jersey | CFA | Percentage of assets | | [Andrew Barnhardt](https://find.wellspent.co/advisors/andrew-barnhardt.md) | HFM Investment Advisors | Glassboro, New Jersey | CFP | Percentage of assets, Fixed fees | | [Catherine Allen-Carlozo](https://find.wellspent.co/advisors/catherine-allen-carlozo.md) | HFM Investment Advisors | Glassboro, New Jersey | CFP | Percentage of assets, Fixed fees | | [Daniel Sciortino](https://find.wellspent.co/advisors/daniel-sciortino.md) | Fig Tree Wealth Management | Mountainside, New Jersey | ChFC | Percentage of assets, Hourly, 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 | | [Jason Gabrieli](https://find.wellspent.co/advisors/jason-gabrieli.md) | HFM Investment Advisors | Glassboro, New Jersey | CFP | Percentage of assets, Fixed fees | | [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 | | [Samantha Swiderski](https://find.wellspent.co/advisors/samantha-swiderski.md) | CRA Financial | Northfield, New Jersey | | Percentage of assets | | [Thomas Kosinski](https://find.wellspent.co/advisors/thomas-kosinski.md) | Stembrook Asset Management | Red Bank, 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 | | [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 | | [Jordan Kaufman](https://find.wellspent.co/advisors/jordan-kaufman.md) | Green Ridge Wealth Planning | Montville, New Jersey | CFP, CFA | Percentage of assets, Fixed fees | | [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 | | [Gregg Auerbach](https://find.wellspent.co/advisors/gregg-auerbach.md) | Meadowbrook Advisors | Bedminster, New Jersey | | Percentage of assets, Fixed fees | | [Jason Blumstein](https://find.wellspent.co/advisors/jason-blumstein.md) | Julius Wealth Advisors | Englewood Cliffs, New Jersey | CFA | Percentage of assets, 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 | | [Anthony Caputo](https://find.wellspent.co/advisors/anthony-caputo.md) | Pallas Capital Advisors | Park Ridge, New Jersey | | Percentage of assets, Hourly, Fixed fees | | [Cameron Lease](https://find.wellspent.co/advisors/cameron-lease.md) | Lease Investment Advisors | Toms River, New Jersey | | Percentage of assets | | [Lee Clay](https://find.wellspent.co/advisors/lee-clay.md) | Regatta Capital Group | New Vernon, New Jersey | | Percentage of assets, Hourly, Fixed fees, Performance-based fees | | [Tom O'Neill](https://find.wellspent.co/advisors/tom-oneill.md) | | Mount Laurel, New Jersey | | Percentage of assets | | [William Keller](https://find.wellspent.co/advisors/william-keller.md) | Keller Wealth Management | Morristown, New Jersey | | Percentage of assets, Hourly | Showing the first 50 of 64. The full list, page by page: https://find.wellspent.co/specialties/small-business-owners/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) - [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) ## 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).