facebook twitter instagram linkedin google youtube vimeo tumblr yelp rss email podcast blog search brokercheck brokercheck

Financial Planning Questions and Answers

What types of clients do you work with?

While we work with a variety of clients, we find we are best able to serve those approaching retirement or are in retirement, widows, and those who received an inheritance. Most of our clients are conscientious savers who have accumulated at least $1.5M of investmentable assets.

Are you a fiduciary?

Yes, Marge is a fiduciary financial advisor, and as such, we are obligated to put our clients’ best interests ahead of our own.

Are you an independent financial advisor?

Yes, Marge is an independent financial advisor. We aren’t limited to what products we can offer since we are not beholden to a larger corporation and its offerings.

What are your fees?

As a fee-only financial advisory firm, we are paid directly by our clients and don’t receive any type of kickback or commission for recommending certain securities or investments. Our clients pay an annual fixed fee which is calculated based on their total income, assets, and the overall complexity of their financial situation.

Can you help with my 401(k)?

Yes, we can help optimize your asset allocation, select appropriate investments, and diversify your portfolio to minimize risk.

Do you offer financial planning?

Yes, we help you by building and maintaining a comprehensive financial plan that includes everything from investments and cash flow to insurance and legacy planning. Capitalizing on our strong background in tax, we infuse our extensive tax knowledge to minimize taxes into all areas of your financial plan.

Do you offer investment planning?

If you have a current investment portfolio, we take a close look at your progress and determine if any adjustments are necessary. Once we have a clear understanding of your objectives, we create a customized, tax-efficient, investment strategy that helps you work toward your long-term financial goals. Once your investment plan is in place, we review it every six months.

Can you help me with retirement planning?

We guide you through our Retirement Readiness process which helps you prepare for the potential risks faced in retirement and minimize taxes throughout retirement. Marge has earned a combination of designations focused on retirement planning.

Do you help with estate planning?

Yes, with a strong background in estate taxation, we can provide guidance on estate planning issues and help you reach your goals of passing your estate on to the next generation.

Do you offer advice about stock options?

Yes, we work with you to manage the timing of when to exercise options and restricted stock, figure out when to receive deferred compensation, and coordinate 401(k) plan assets into the overall, comprehensive asset allocation.

Can you help me with Social Security?

Yes, we help you understand the features of different Social Security claiming strategies and develop a personalized plan that integrates your Social Security income with your overall financial picture.

Can you answer Medicare questions?

Yes, we educate you about Medicare programs so you can make informed decisions about your healthcare.

Do you prepare income tax returns?

Yes, as a CPA, Marge prepares income tax returns for our financial planning clients only.

Will you help with my pension?

Yes, we can provide modeling scenarios regarding lump sum vs. annual payment options and the corresponding tax implications.

Where do you meet with clients?

While we are based out of Flemington, NJ, we utilize technologies to accommodate clients from all over the United States. Client meetings are held in person, via a telephone call, or videoconference.

Get Started