Retirement planning is harder than it used to be.
Juggling retirement, aging parents, and college costs? Book a free 15-minute call with a CFP® professional. We’ll listen, offer real guidance — no sales pitch, no obligation.
We won’t pitch you on managing your money.
How we work.
Unlike most retirement planning firms, we do real work upfront — without asking for any long-term commitment. You’ll walk away with a real plan you can actually use, and you’ll see how we work before there’s any conversation about an ongoing relationship.
See the chart below to see how our process works. Note that some clients already know they want ongoing investment management or membership and skip the assessment — that’s fine too, just tell us on the call.
STEP 1
Free Discovery Call
STEP 2
Paid Assessment
STEP 3
Optional Integrated Services
Cost: Free $295 or $590 Varies by service
Duration: 15 minutes About two weeks Ongoing or annual
Who you talk to: A CFP® professional A CFP® professional A CFP® professional
What you get: Recommendation for which Second Opinion($295) or Advice-only Membership;
assessment fits. Am I on Track($590). fiduciary investment
Written planning deliverable
you keep regardless.
Commitment required: None None None
What none of these are: a sales pitch on the discovery call; a pre-sale on the assessment; or required after the assessment.
Most “free planning” meetings at retirement firms are really sales calls — designed to get you to move your money to that firm by the end of the conversation. We do it differently. The discovery call is free because getting started shouldn’t cost money. The assessment is paid because it’s real planning work — and if we never see you again after it, you still got real value. That’s the whole point.
We won’t pitch you on managing your money.
Most people end up in one of two assessments. We’ll help you pick on the call.
We don’t ask you to choose before we’ve talked. But here’s what the two assessments look like, so you know what to expect.
Enjoy a personalized review of your investments, taxes, and Social Security—all for just $590.
We work with the only generation that has to fund retirement, college, and elder care — all at the same time.
Most retirement advice was designed for a different generation. The previous generation didn’t pay $80,000 a year for a private college. The previous generation didn’t fund their parents’ memory care. The previous generation had pensions. You don’t. We see this every day, and our planning is built for it.
The kid in college.
Your daughter is a sophomore. You’re writing a $40K check every August. You don’t want to touch the 529, but you also don’t want to drain the brokerage.
The parent in care.
Your dad just moved into assisted living. The math is brutal. You’re trying to figure out if you’re paying for it, your siblings are paying, or the spend-down strategy you keep meaning to set up actually works.
Your retirement date.
You said 62. Then you said 65. Now you’re wondering if 67 is more honest. Every market correction makes the answer move.
Find out where you stand
Already at Fidelity? You don’t have to move your money.
Your money can stay at Fidelity. We manage Fidelity accounts directly — 401(k) rollovers, brokerage accounts, IRAs. No transfer paperwork. No 30-day move. No tax surprises. The difference: you get fiduciary, advice-first guidance from us, not a rotating Fidelity rep who has soft incentives to recommend Fidelity funds. (We can do the same with accounts at LPL Financial.)
Independent RIA. Fiduciary. Ridgewood, NJ.
We’re an independent Registered Investment Advisor (RIA) located in Ridgewood, New Jersey. Every Vision Retirement advisor is a CFP® professional and a fiduciary — compensated by you, and always acting in your best interest.
Unlike “advisors” at major brokerage firms and financial institutions who feel pressured to sell proprietary mutual funds or high-commission annuities, our independent status lets us choose from the entire universe of investments available.
Fiduciary RIA” / “CFP® professionals
Fidelity & LPL custody
Coordinated with your CPA & attorney
The Vision Difference: Why Our Perspective Matters
Most retirement planning firms manage assets. We manage the complexity of your next chapter.
Options crafted to your complexity
Whether you’re just beginning to visualize retirement or are an executive overseeing a multi-million-dollar legacy, your engagement with us is fully customized. From our $590 "Am I On Track?" assessment to comprehensive fiduciary investment management, our flexible approach ensures you’ll work with us on your terms.
A relationship with a dedicated CFP® professional
In an era dominated by automated "help desks," we champion genuine human expertise. With every Vision Retirement advisor holding CFP® (CERTIFIED FINANCIAL PLANNER®) certification, you can trust your guidance is coming from a professional committed to the highest ethical and educational standards in the industry—without exception.
Unwavering fiduciary integrity
We don’t sell products; we provide services. As true fiduciaries, our source of compensation is you and removes "sales" from the conversation: ensuring our advice is always in your best interest.
The Vision technology advantage
We offer a high-tech "command center" for your finances, our dedicated platform delivering real-time clarity on your net worth and retirement readiness—all supported by an in-house team that manages the details so you can focus on your "second act."
Integrated tax & financial orchestration
We don't just "hand off" your taxes; we integrate them. By "quarterbacking" your CPAs, attorneys, and insurance agents, we ensure your investment strategy and tax return are speaking the same language financially.
No minimum investment or net worth requirements to work with a fiduciary financial advisor.
While each of our solutions is geared toward specific needs and circumstances, investment minimums or net worth prerequisites are not required to sign on with us as a client. We also provide affordable access to a CFP® professional, as our advice membership is only $895 a year.
See if our expertise matches with your needs.
Guide to Retirement Planning
This guide is designed to inspire fresh perspectives on retirement and share helpful tips to make your golden years truly rewarding.
Start simplifying
your journey and speak to a financial advisor today.
See if our expertise matches with your needs.