# Vision Retirement
> Fee-based, fiduciary Registered Investment Advisor (RIA) in Ridgewood, NJ, founded by Paul Muller, AEP®, CFP®, with 30+ years in financial services. We serve Bergen County and northern New Jersey. Focus: the sandwich generation — adults 50–64 supporting aging parents and children while funding their own retirement — and retirees facing IRMAA surcharges, Social Security timing, and New Jersey tax. Every client works directly with a CFP® professional; no proprietary products. Vision Retirement and Advisor Tax Prep are sister companies, both owned by Ridgewood Financial Advisors; Advisor Tax Prep prepares tax returns, with CFP® review available as an add-on. 171 E. Ridgewood Ave., Suite 205, Ridgewood, NJ 07450 · (201) 447-2212.

## Services
- [Fiduciary Investment Management](https://www.visionretirement.com/fiduciary-investment-management): CFP®-managed portfolios. $10,000 minimum; fees capped at 1.25% all-inclusive. Custody at LPL Financial or Fidelity.
- [VR Circle Membership](https://www.visionretirement.com/vr-circle-membership): Ongoing advice and planning from $895/year — a flat fee, not a percentage of assets.
- [Am I on Track for Retirement?](https://www.visionretirement.com/am-i-on-track-for-retirement): One-time retirement assessment, $590. No asset minimum.
- [Second Opinion](https://www.visionretirement.com/second-opinion): One-time review of your plan or portfolio, $295. No asset minimum.
- [Automated Investing with Guidance](https://www.visionretirement.com/automated-investing): Technology-built portfolios with a real advisor behind them. 0.75% annually; $1,000 minimum.
- [Pricing](https://www.visionretirement.com/pricing): Every fee, published upfront.

## People
- [Paul Muller, AEP®, CFP®](https://www.visionretirement.com/paul-muller-cfp): Founder. Accredited Estate Planner® and CERTIFIED FINANCIAL PLANNER™ professional; reviews our published retirement and tax content.
- [Our Team](https://www.visionretirement.com/team): The CFP® professionals behind every plan.

## About
- [The Fiduciary Standard](https://www.visionretirement.com/fiduciary-standard): What an independent fiduciary owes you.
- [Financial Advisor in New Jersey](https://www.visionretirement.com/financial-advisor-new-jersey): Serving Ridgewood and Bergen County.
- [Contact](https://www.visionretirement.com/contact): Office details and how to reach us.

## Insights
- [New Jersey Exit Tax](https://www.visionretirement.com/articles/personal-finance/new-jersey-exit-tax): What it is, what it isn't, and who actually owes it.
- [IRMAA Medicare Surcharges](https://www.visionretirement.com/articles/medicare/irmaa-medicare-surcharges): Income brackets, the two-year lookback, and appeals.
- [Working While Collecting Social Security](https://www.visionretirement.com/articles/social-security/how-working-impacts-benefits): How the earnings limit cuts benefits, and when it stops.
- [Social Security for Divorced Spouses](https://www.visionretirement.com/articles/social-security/how-it-works-for-divorced-spouses): Who qualifies, and what a surviving divorced spouse receives.
- [Retirement Planning Guide](https://www.visionretirement.com/retirement-planning-guide): Pre-retiree roadmap — income, taxes, RMDs, readiness.
- [All Articles](https://www.visionretirement.com/articles): Full retirement, investing, and personal-finance library.