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What Makes Us Different

What Differentiates Us From the Rest

We proudly differentiate ourselves from other financial advisors in the following ways:

Retirement PlanningWe specialize in retirement planning

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

we are independentWe’re independent

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 custodyNo custody

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.

we are fee onlyWe are “fee-only”

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.

we are fiduciaryWe are fiduciaries

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

we do tax planningWe do tax planning

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.

we are credentialedWe’re credentialed

Marge Rand has earned a combination of designations focused on tax-efficient retirement planning: 
RICP® - Retirement Income Certified Professional®
CPA - Certified Public Accountant
MS Tax - Master of Science in Taxation

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

we work virtuallyWe work with our clients virtually

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

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