A lot of advisors are “general practitioners”. Our expertise is specifically concentrated on helping you prepare for a safe and secure retirement.

We are not affiliated with any brokerage firms, insurance companies or banks. This means no one is forcing us to meet sales quotas or make recommendations that are not in your best interest. As an independent firm, we are free to provide advice that is solely in your best interest, and that is what being a fiduciary means.

We do not take custody of your portfolio which means you retain complete control over your investments at all times and you don’t have to move your money over to us in order to work with us. If you need to move your portfolio from its current location, we help you transfer it to Vanguard or Fidelity.

Our fees are very straightforward. There are no hidden fees. We charge a flat annual fee that is based on your total assets, income and the complexity of your situation. All of this will be clearly stated in our Financial Planning Services Agreement.

Not only do we put our client’s best interests first, we take our core values of honesty and integrity very seriously.

Most financial advisors have very limited knowledge of taxation and many avoid providing tax advice. Capitalizing on our strong background in tax, we infuse our extensive tax knowledge to minimize taxes into all areas of your financial plan.

Marge Rand has earned a combination of designations focused on tax-efficient retirement planning: 

Marge believes ongoing education is essential to staying updated on the ever-changing tax laws and retirement planning strategies.

Although our office is located in New Jersey, we enjoy serving clients across the country.