We answer your retirement-
related questions. . .

…and specific questions about our firm.

FAQs Vision Retirement financial planning investment management advice subscription fiduciary CFP Ridgewood NJ Poughkeepsie NY financial advisor Ridgewood NJ

Answers to Commonly Asked Questions About Retirement

  • Generally speaking, financial advisors can help you minimize risk and build wealth. They can also help guide you through important financial decisions you’ll need to make throughout your lifetime. That said, not all “financial advisors” are considered equal.

  • Not everyone will need to enlist the help of a financial advisor. However, for most people, the value of an advisor often far exceeds the fees he or she charges. Financial advisors do more than guide you through complex financial decisions. Recent studies by Vanguard and Russell Investments show a quantifiable increase in investment returns when investors work with financial advisors, further supporting these benefits.

  • The Financial Industry Regulatory Authority lists almost 200 professional designations on its website. Don’t let this number scare you—there’s no need to know them all! The most widely recognized designation is the CERTIFIED FINANCIAL PLANNER™ certification. Regulated by the Certified Financial Planner Board of Standards, a CFP® professional must pass a difficult exam and meet strict educational and work experience standards.

  • In short, financial planning is a process used to integrate and manage all aspects of your financial life so that you can ultimately achieve your goals and dreams. Though the process is different for everyone, financial planners can help you ensure you have enough income to support your retirement, navigate the Medicare maze to avoid unexpected and excessive costs, and smoothly transfer your assets to heirs.

Answers to Commonly Asked Questions
About Vision Retirement

  • Yes! We hold licenses in many states. In fact, many of our current clients had at one time moved away from the high taxes, heavily trafficked highways, and less-than-ideal winters of New Jersey in search of greener (and warmer!) pastures.

  • Not at all. We’ve worked to ensure our services are fairly priced and affordable for everyone. For example, anyone can work with a CFP® professional to gain financial and investment advice for only $69 a month.

  • You can enjoy financial and investment advice from a CFP® professional for only $69 a month. For those requiring more than just advice, we also offer planning, investment, and tax preparation services. If you have a specific need and prefer to pay by the hour, our consulting services are perhaps a great fit for you.

  • Put simply—whenever you want! However, we do conduct periodic check-ins based on the services you’ve signed up for and may also reach out beyond our scheduled meetings to discuss any changes or opportunities you should be aware of.

  • Typically, you will receive a monthly statement and quarterly performance report. You can opt to either receive these documents by mail or access them online.

  • Nope! It's completely up to you what (and how much) you want to invest with us.

  • For starters, we’re an independent, privately owned registered-investment advisory firm (RIA). It’s for this reason that we’re held to a fiduciary standard, meaning we provide a higher level of client care than most other financial advisors and will always place your interests ahead of our own.

    As a fiduciary, we are compensated by our clients—rather than products that pay high commissions. Therefore, you’ll receive advice to help you navigate and simplify the complexities of planning without any conflicts of interest.

    We also offer a variety of solutions with no minimum investment or net worth prerequisites needed to become a client—making it super easy to work with us whether you’re just starting out or have saved significant assets.

    What’s more, you will enjoy the opportunity to work with an experienced advisor with a CFP® designation, the top credential in the industry—no matter your level of engagement with us.

    We’re tempted to ramble on but are kind of tight on space here. Be sure to schedule a no-obligation meeting so we can go into more detail and discuss how our services can help you and your financial needs.

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