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Comprehensive Retirement Planning for Pre-Retirees and Retirees in New Jersey

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Who We Are

We are an independent, fiduciary, fee-only financial planning firm based in New Jersey that focuses on tax-efficient retirement planning. We offer ongoing investment advice and financial planning to clients approaching retirement and in retirement. Marjorie L. Rand, CPA, CFP®, RICP® (Marge) founded Rand Financial Planning, LLC in 2018 and serves clients in Flemington, NJ as well as throughout our great country. 

We are intentionally a small firm because we take pride in giving our clients personalized service and exceptional value. This means you will work only with Marge Rand, the sole financial advisor of our firm. Our desire is to develop a personal relationship with our clients that will last many years. You won't be just a number at our firm

Katie Ressa is our friendly office administrator who is always willing to help you any way she can. Marge’s dog, Rangeley, comes to the office every day and enjoys greeting our clients. Of course, if anyone is not comfortable being around dogs, Rangeley is happy to sleep in her crate during our meetings.

Who We Serve

While we serve clients with a variety of financial planning needs, we primarily work with those approaching retirement, widows, and those who received a recent inheritance. We guide our clients through tax-efficient retirement income planning, Social Security strategies, investment management, insurance, and legacy planning.

What We Do

Using our comprehensive financial planning process, we work with you to develop a customized financial plan with an emphasis on mitigating various risks faced in retirement. As we guide you through this "retirement readiness process"  and implement the steps together, you begin to have peace of mind about your financial future. You will also build the confidence you need to make the final leap into retirement when that day comes. We believe we offer the most value to you by having an ongoing advisory relationship with you throughout your retirement, as your financial plan will need to be adjusted as changes occur in your life.

How We Do It

What does comprehensive tax-efficient retirement financial planning look like? They say a picture is worth a thousand words. 

This chart gives you an overall idea of the areas we cover. We address your most pressing financial concerns and needs first and from there, go through the other areas that are pertinent to your unique situation. We will have meetings every six weeks until your foundational plan is established. These meetings can be either in our Flemington, NJ office or virtual using Zoom. 

Rand Financial Planning Ongoing Process

Once your foundational plan is in place, we will have proactive meetings every six months, with additional meetings added as needed to update your financial plan, address any new concerns that arise, implement tax planning strategies and make adjustments to your investment portfolio. You can also schedule additional in-office, online or phone appointments with us at any time at no additional cost.

Click here to learn more about Our Process

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