Retirement Planning With a Fee-Only Fiduciary Financial Advisor in New Jersey

Learn More
Financial Planning
Investment Management
Inheritance Planning
Retirement Planning

Tax-Smart Financial Guidance for Pre-Retirees and Retirees

Welcome to Rand Financial Planning! We are dedicated to helping individuals and families prepare for the future with clarity and confidence. 

As a fee-only fiduciary financial advisor based in Flemington, New Jersey, Marge serves clients across Hunterdon County, Somerset County, Morris County, and beyond. We focus on retirement tax planning, wealth preservation, and financial independence for the long haul, integrating tax-smart strategies into every aspect of your financial plan. 

Led by Marjorie L. Rand, our independent firm provides objective financial planning rooted in integrity, transparency, and personalized attention.

Learn More
Who We Are

Hello! I’m Marjorie Rand, founder of Rand Financial Planning.

With over 30 years of experience as a Certified Public Accountant (CPA) and CERTIFIED FINANCIAL PLANNER® professional, I bring a rare combination of tax knowledge and financial planning skill to every client relationship. 

I’m also a Retirement Income Certified Professional® (RICP®), which means I understand how to turn your life savings into sustainable, tax-smart income that lasts through retirement.

When you partner with us, you’ll never feel like a number. I intentionally keep my firm small so you always receive personalized, one-on-one guidance. When you work with me, you work only with me—no junior advisors or handoffs. 

I don’t believe in cookie-cutter strategies. Instead, I take time to understand your unique situation and guide you through every stage of your financial life with a long-term mindset and conservative approach.

Our clients appreciate the warmth and accessibility of our boutique firm, where even our office dog, Rangeley, plays a friendly role in making you feel at home.

Learn More

Ready to Take the Next Step?

Schedule a complimentary consultation and start building a tax-efficient plan for retirement with a fiduciary financial advisor who puts your interests first.

Schedule a Call

Contact Us

Phone:
908-895-2406
Email:
marge@randfinancialplanning.com

Find Us
361 NJ-31 Suite 902,
Flemington, NJ 08822

Business Hours
10:00 a.m. – 5:00 p.m. (Mon.–Sat.)
Closed Sundays

Who We
Work With

We primarily focus on guiding:
Our clients are responsible savers who have accumulated at least $2 million in investable assets. They value trusted relationships, prefer a personalized approach, and are looking for an experienced CFP® advisor and CPA to help them navigate retirement and preserve their legacy.
View Our Services

What We Do

We build comprehensive financial plans designed to reduce taxes, manage investments, and support your goals with intention and care. Every plan is built around your specific needs, values, and desired lifestyle.

"Tax planning is a critical part of what we do. As a CFP® advisor and CPA, I bring a deep understanding of how to integrate tax-efficient strategies into every part of your financial plan."

• Marge Rand

How We
Work Together

Our relationship starts with your most pressing financial questions and grows from there.
View Our Services
Initial Planning
Our relationship begins by addressing your most immediate financial questions and concerns. We'll typically meet every six weeks to establish the foundation of your comprehensive financial plan. This intensive phase ensures we address all aspects of your financial situation thoroughly.
Ongoing Guidance
After your plan is established, we'll meet every six months to review progress, make adjustments, and address new opportunities or concerns. Additional meetings are scheduled as needed. As part of our open retainer model, you can email or call with questions throughout the year at no additional charge. Think of me as your financial co-pilot—I'm here when you need me to help you avoid costly mistakes and stay on track.

Why Clients Choose Us

As a fee-only fiduciary, Marge acts in your best interest; no commissions, no product sales, no pressure.
CPA + CFP® credentials
We don’t just plan around taxes—Marge prepares your tax returns, fully integrating your financial strategy and tax strategy.
Personalized service
You’ll work directly with Marge from start to finish. We limit my client base so every person receives the attention they deserve.
Experience with complexity
Many of our clients are navigating major transitions: retirement, widowhood, or inheritance. We provide clear, empathetic guidance during uncertain times.

Sign Up for Our Newsletter

Stay informed with helpful financial insights and practical tips to support your journey toward financial independence.