A Financial Advisor in Neptune City Who Talks Straight
We help you build a financial plan, manage your portfolio, get ready for retirement and pass on what you've built. Clients come to us from Neptune City, Belmar, Asbury Park and nearby towns. We meet at our office or by phone and video, and we explain every step in plain words.
- Plain answers, no jargon
- Office, phone or video
- One advisor, start to finish
- Your goals set the plan
Financial Services for Individuals, Families and Business Owners
We are Series 7 licensed and licensed to sell life insurance, and we hold a credential as a holistic financial coach from Columbia University. That mix lets us look at your whole picture: savings, investments, retirement accounts, taxes, insurance and what you want to leave behind. Our services include wealth management, financial planning, investment management, retirement planning, legacy planning, tax management and life insurance consulting. Start with whichever one is keeping you up at night, and we'll show you how it connects to the rest.
Wealth Management
One person keeps your investments, retirement, taxes, insurance and legacy pointed at the same goals, so nothing gets missed.
Financial Advising
Sit down with an advisor who listens first, answers your money questions in plain words and helps you decide what to do next.
Financial Planning
One written financial plan that ties your cash flow, debt, insurance, investments and retirement goals together, with clear next steps for this year.
Investment Management
We build and look after a portfolio that fits your goals and timeline, and we explain every holding and every change in plain words.
Retirement Planning
We work out when you can stop working, where your monthly income will come from, and how to make your savings last as long as you do.
Legacy Planning
We help you decide who gets what, line up your accounts and coverage to match, and leave your family a plan they can follow.
Tax Management
Year-round planning so taxes take less of your savings, from which account you draw on first to when you sell, worked out alongside your CPA.
Life Insurance Consulting
We look at what your family would need, check the policies you already hold and explain your options before anyone talks about buying.
Areas We Serve
Our office is in Neptune City, and we work with clients across the area, including Neptune, Asbury Park, Belmar, Bradley Beach, Shark River Hills and Ocean Grove. We also meet with people from Ocean, Wall, Tinton Falls and Spring Lake Heights.
- Neptune City
- Neptune
- Asbury Park
- Belmar
- Bradley Beach
- Shark River Hills
- Ocean Grove
- Ocean
- Wall
- Tinton Falls
- Spring Lake Heights
Phone and video meetings mean you can work with us even if you've moved farther away. Many clients keep us after relocating.
A Local Advisor, Not a Call Center
We started this practice to give people around Neptune City the kind of money advice we'd want for our own family. That means plain talk, honest answers and a plan you understand.
Our clients are people at every stage. Young couples saving for their first big goals. Parents juggling college and retirement. Business owners trying to keep their own savings apart from the business. Retirees making sure the money lasts and goes where they want it to. We treat each one like a neighbor, because most of them are.
- License
- Series 7 licensed; Licensed to sell life insurance
- Certifications
- Credentialed holistic financial coach, Columbia University
How Working With Us Goes
Most clients go through the same four steps. Nothing moves until you're comfortable with it.
- 1
Introductory meeting
Reach us at the phone number on this page and we'll set up a first meeting at our office or by phone or video. We talk about where you are and what you want. You ask whatever you like.
- 2
Gather the facts
We collect statements, policies, tax returns and account details. We list what you own, what you owe and what's coming in and going out.
- 3
Your written plan
We put our recommendations in writing, with the reasons behind each one. We walk through it together and change what doesn't fit.
- 4
Act and check in
Once you approve the plan, we help you put it in motion. Then we meet on a regular schedule, and sooner when life changes, like a new job, a new grandchild or a retirement date.
What Shapes the Cost of Working With Us
There is no one price for financial advice, because no two clients bring the same situation. What you pay depends on how much work your plan takes and whether you want ongoing help or a one-time review. We go over how we are paid before you agree to anything.
After the introductory meeting we tell you what we'd recommend and how we'd be paid for it, in plain terms. You decide from there, with no pressure.
- How complex your finances are
- One 401(k) and a savings account is a different job from several brokerage accounts, rental property and stock options. More moving parts means more time to sort and track.
- Owning a business
- Business owners often need help with retirement plans for themselves and staff, cash flow and an exit plan. That adds work beyond a personal plan.
- One-time plan or ongoing management
- Some clients want a written plan and then run it themselves. Others want us watching the portfolio and meeting a few times a year. Ongoing work costs more over time, and it also catches problems sooner.
- Insurance needs
- If life insurance is part of the plan, how it is paid for depends on the policy you choose. We explain that clearly before you sign.
- Legacy and tax questions
- Planning for heirs, trusts or required minimum distributions takes extra coordination, often with your attorney or tax preparer.
Questions People Ask Us
- What happens in the introductory meeting?
- We get to know each other. You tell us about your money, your family and your goals, and we explain how we work and how we're paid. There's no obligation to go further. It can be at our office or by phone or video.
- Is there a minimum amount I should have saved before calling?
- There isn't. Some clients arrive with a sizable portfolio. Others bring a single 401(k), a car loan and a long list of questions. A sound plan helps at any stage, and the earlier you start, the more room you usually have to work with.
- How do you get paid?
- It depends on the services you use. Investment management, a one-time plan and life insurance are each paid for differently. We explain the specifics for your situation before you commit, so there are no surprises later.
- Will you try to sell me life insurance?
- Only if it fits your plan. For some families a policy fills a real gap. For others, coverage through work is enough, or they need none at all. We'll tell you which group you fall into and show you the reasoning.
- Can you work with my accountant or attorney?
- Yes. Tax management and legacy planning go better when everyone is on the same page. With your permission, we'll share what's needed and coordinate so the pieces fit.
- How often will we meet?
- Most ongoing clients meet with us a few times a year, plus whenever something big changes. If you'd like more or less contact, we set the schedule around you.
- Can you promise my investments will grow?
- No honest advisor can. Markets go up and down. What we can do is build a portfolio that matches your goals and timeline, explain the risks plainly and adjust when your life or the markets change.
Why Clients Work With Us
Money advice should feel like talking to a neighbor who knows the subject. We keep it simple, honest and on your schedule.
- 01
We listen before we suggest anything
The first meetings are mostly questions. What you earn, what you owe, what worries you and what you want in ten or twenty years. A plan built on guesses is not worth much.
- 02
No product push
If you don't need a new policy or a new account, we'll tell you. Sometimes the best advice is to keep what you have and change how you use it.
- 03
You see the reasoning
Every recommendation comes with the why behind it, written down. You should be able to explain your own plan to your spouse or your kids without us in the room.
- 04
The whole picture in one place
Investments, retirement, taxes and insurance affect each other. A Roth conversion changes your tax bill. A life policy changes what your family inherits. We look at them together so one move doesn't undo another.
- 05
Meet how it suits you
Come to our office, or meet by phone or video. Plenty of clients do the first meeting in person and the check-ins from their kitchen table.
Let's Talk About Where You Want to Be
The first step is a conversation. Tell us what's on your mind, and we'll tell you honestly how we can help.