FEE-ONLY · FIDUCIARY · BASED IN HOBOKEN, NJ
Fee-only financial advisor in New Jersey.
Personalized financial planning and investment management for independent and professional women in their 40s, 50s, and 60s. We bring retirement, investments, tax, and estate planning into one coordinated plan, built for life in New Jersey.
Your financial decisions deserve a plan that connects them.
You may be saving for retirement while paying for college, deciding what to do with company stock, or wondering how your investments will eventually provide income.
Each decision affects the others. We help you understand those connections, weigh your options, and decide what to address first.
Retirement planning in New Jersey, with a clearer picture of your options.
When could you retire? What could you comfortably spend? Which accounts would you draw from, and when should you claim Social Security?
We help you explore these questions before you need to act. Together, we evaluate retirement timing, income needs, investment strategy, and taxes so you can see the tradeoffs before you decide.
If you’re already retired, we help you manage withdrawals and adjust your plan as your needs change.
Financial planning that accounts for New Jersey taxes.
New Jersey taxes capital gains as ordinary income, phases out its retirement income exclusion once total income passes $150,000, and still has an inheritance tax on assets left to siblings, nieces, nephews, and partners. If you commute, New York tax adds another layer.
We consider how those rules fit into your plan, including investment sales, retirement withdrawals, Roth conversion timing, and equity compensation. When needed, we coordinate with your tax professional so your financial and tax decisions work together. Our guide to the New Jersey retirement income exclusion shows how we think about it.
How we help
Personalized Financial Planning
Bring your goals, accounts, income, and responsibilities into one coordinated plan with clear next steps.
Investment Management
Build and manage an investment portfolio around your goals, time horizon, income needs, and comfort with risk.
Retirement Income Planning
Plan how retirement accounts, investments, and Social Security can work together to support your spending.
Tax Planning
Evaluate the tax implications of investment decisions, retirement withdrawals, and potential Roth conversions, including New Jersey and New York state tax.
Equity Compensation Planning
Understand how company stock and stock options fit into your plan, including taxes, selling decisions, and investment concentration.
Estate Planning Coordination
Review beneficiaries, account ownership, and legacy priorities, and coordinate with your estate attorney.
A financial partner who understands the responsibility you carry.
I’ve spent over a decade in financial planning, and I know what it’s like to be the person who keeps track of everything. The accounts, the benefits, the bills, and the questions about what comes next.
I founded Align to give women a place to work through those decisions with personalized advice and a long-term partner.
Whether you’re advancing in your career, preparing for retirement, or managing finances after the loss of a spouse, we begin with your priorities.
You have someone to help you see the full picture and follow through.
TESTIMONIAL
Disclosure
The testimonial(s) presented were provided by actual clients of Align Financial Solutions, LLC. No compensation was provided for these testimonials. Testimonials were selected from among all client feedback received. Client experiences may vary, and there is no guarantee of future performance or success. To our knowledge, no conflicts of interest exist regarding these testimonials.
Getting started
Start with a 15-minute Align Call.
Tell us what’s on your mind and learn how we work, so you can decide whether Align is the right advice team for you.
Build your Wealth Blueprint™.
When you onboard, we build an initial plan, the Wealth Blueprint™. We organize your financial picture, evaluate your options, and develop recommendations around your priorities.
Put your plan into practice.
We help you implement decisions, manage your investments, and revisit your plan as your life evolves.
Frequently asked questions
Who do you work with?
We specialize in serving independent women and professional women in their 40s, 50s, and 60s who want personalized financial planning and investment management.
Where are you located?
We are based in Hoboken, NJ, but we work with clients across the country virtually. We meet clients in Hoboken and Jersey City in person and work with women throughout New Jersey, including Bergen, Essex, Morris, Somerset, Monmouth, and Middlesex counties.
What does fee-only fiduciary mean?
We are paid only by our clients. We receive no commissions, we do not sell products, and we are a fiduciary 100% of the time. Read more about how Align is different.
Does New Jersey tax retirement income?
Yes, with an exclusion. From age 62, a single filer can exclude up to $75,000 of pension and IRA income ($100,000 married filing jointly) if total income is $100,000 or less, with partial exclusions up to $150,000 and nothing above that. Social Security is not taxed. The $150,000 line is a cliff, not a phase-out, so withdrawal and Roth conversion timing matter.
I live in New Jersey but work in New York. Can you help with that?
Yes. We plan around the NJ/NY cross-border tax situation, especially for women with equity compensation and anyone considering a move across the river, or out of state, in retirement.
Can you help me prepare for retirement?
Yes. We help you evaluate retirement timing, projected spending, investments, withdrawals, taxes, and Social Security as parts of one coordinated plan.
Do you work with women after divorce or the loss of a spouse?
Yes. We help women update their financial and retirement plans after divorce or widowhood. See our financial planning for widows page. Our divorce-related work focuses on planning after the divorce is finalized.
Can you help with company stock?
Yes. We help you evaluate how equity compensation fits into your investments, taxes, and longer-term goals. Learn more about our equity compensation planning.
How much does a financial advisor cost in New Jersey?
It depends on how the advisor is paid. Fee-only advisors like Align are paid only by the client, as a percentage of assets managed, a flat planning fee, or an hourly rate. Every registered adviser must disclose its fee schedule in Form ADV Part 2A. We walk through exactly how Align is paid on the first call, and this guide explains what a wealth manager typically costs.
BLOGS
Work because you want to, not because you have to
Retirement and tax insights for women in New Jersey.
Make your next financial decision with a clearer plan.
You don’t need every question answered before reaching out. Start with what’s on your mind, and we’ll discuss how Align can help.
