Frequently Asked Questions

 

What does a Certified Financial Planner™ do?
A CFP® professional helps you understand your full financial picture, from investments, insurance, and retirement to tax and estate planning. I provide personalized advice tailored to your goals and stage of life.

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Can I work with you if I don’t live in New Jersey?
Yes! While I’m based in Warren, NJ, I serve clients nationwide through virtual meetings and phone calls. Many of my clients live outside New Jersey and appreciate the flexibility of working together online.

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What questions should I ask a financial advisor before hiring them?
It is smart to ask about credentials (such as CFP®), how they get paid, whether they act as a fiduciary, and what services they provide. You should also ask about their experience, the types of clients they work with, and how often you’ll meet to review your plan.​

 

​Who are Beacon Financial Group and LPL Financial?
Beacon Financial Group is the local financial advisory firm based in Warren, NJ, where I work with clients on personalized financial planning.

 

LPL Financial is our broker-dealer, which provides the investment platform and resources I use to serve clients. Together, this structure allows me to offer independent, objective advice with strong back-office support.

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How much do I need to retire in New Jersey?
The answer depends on your lifestyle, healthcare costs, and savings. I work with clients to build personalized retirement plans based on their resources and goals, so they can retire confidently.

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When should I claim Social Security benefits?
You should claim Social Security based on your income needs, health, and other retirement assets. As a CFP® professional, I help clients create Social Security strategies that maximizes the benefits for themselves and their spouse.