Retirement and Tax Planning Under One Roof in Bergen County
Your retirement, investments, and taxes—planned together, not in silos. One fee-based fiduciary team in Bergen County and northern New Jersey, so your advisor and accountant are finally on the same page.
Vision Retirement · 171 E. Ridgewood Ave., Suite 205, Ridgewood, NJ 07450 · (201) 447-2212 · Serving Bergen County and families across New Jersey.
Fiduciary advisor and in-house CPA firm, coordinated on the same plan.
One team, one set of numbers — no more playing middleman between two firms.
One-time planning starts at $295. No AUM required to get started.
Why coordinating your taxes and retirement plan matters in New Jersey
New Jersey households carry one of the heaviest combined state-and-federal tax loads in the country. The biggest retirement mistakes usually happen at the seam between planning and taxes – where most people have an advisor on one side and an accountant on the other who never talk.
Vision Retirement is a fee-based fiduciary advisor in Ridgewood serving pre-retirees in their 50s and 60s across Bergen County and northern New Jersey, with tax planning handled in-house by our CPA firm, Leeds Accounting.
Two firms, two sets of numbers
- Advisor doesn’t see your tax return
- Accountant doesn’t see your portfolio
- You end up as the middleman
- Tax decisions get made in April — too late
One team, one plan
- CFP® and CPA under one roof
- Tax strategy baked into every investment decision
- No handoffs, no finger-pointing
- Planning year-round, not just filing season
When a CPA and CFP® professional are coordinated, the wins are concrete:
Time Roth conversions around IRMAA
Timing Roth conversions so they don’t accidentally push you into a higher Medicare IRMAA bracket two years later.
Harvest losses with the portfolio in view
Harvesting investment losses (or gains) at the right time to offset taxable income — decided with your portfolio in view, not guessed at in April.
Sequence RMDs to smooth your tax bill
Sequencing required minimum distributions and withdrawals to smooth your tax bill rather than spike it.
Plan around NJ’s own tax wrinkles
Planning around New Jersey’s own wrinkles – the exit tax, the inheritance tax, and the taxation of Social Security benefits – before they cost you.
Doing this well requires the person managing your portfolio and the person filing your return to be looking at the same numbers. That’s the entire idea behind how we work.
What the combined offering covers
- Retirement income planning and investment management
- Social Security and Medicare timing
- Estate and legacy strategy
- Ongoing advice and planning
- Personal tax return preparation↗
- Year-round tax planning↗ (not just filing season)
- Estate and trust tax returns↗
- Bookkeeping, payroll, and accounting for business owners
Ridgewood Financial Advisors
The point isn’t that both services exist; it’s that they’re coordinated. One plan, one team, one set of numbers.
Straightforward, transparent pricing
Vision Retirement is a fee-based fiduciary, which means we’re legally obligated to act in your best interest. Two ways to work with us — pick what fits.
Fiduciary Investment Management
Actively managed portfolios from a CFP® professional. Fees scale with assets managed, capped at 1.25% all-inclusive.
VR Circle Membership
Transparent, non-asset-based pricing through our VR Circle membership. Know exactly what you pay, regardless of portfolio size.
Because Vision Retirement and Leeds Accounting are all part of Ridgewood Financial Advisors, bringing your planning and taxes together doesn’t mean stitching together strangers — it’s built in.
Serving Bergen County and beyond
Our advisory office is in Ridgewood, and Leeds Accounting is in Maywood, both in the heart of Bergen County. We work with individuals, retirees, and business owners across Bergen County and northern New Jersey – including Ridgewood, Paramus, and surrounding towns – as well as clients throughout New Jersey and New York.
Vision Retirement
171 E. Ridgewood Ave., Suite 205
Ridgewood, NJ 07450
Leeds Accounting & Tax Services
Maywood, NJ
Who we work with
We’re a strong fit if any of these sound like you.
Pre-retirees in their 50s or 60s
Trying to make your money last, deciding when to retire, and turning savings into reliable income.
New Jersey households
Feeling the weight of state and federal taxes, and looking for someone who’ll plan around them — not just file after the fact.
Business owners
Who need both a financial plan and an accountant who actually coordinate with each other — not two firms pointing fingers.
Frequently Asked Questions
Yes. Vision Retirement handles retirement and investment planning, and our sister CPA firm, Leeds Accounting & Tax Services, handles tax planning and preparation. Because both are part of Ridgewood Financial Advisors, the two work together so your plan and your tax strategy stay aligned.
Yes. Decisions like Roth conversions, required minimum distributions, and realizing capital gains all have tax consequences, so we plan them with your CPA rather than in isolation – for example, managing income to avoid a higher Medicare IRMAA surcharge two years later.
Vision Retirement is a fee-based fiduciary, which means we’re required to act in your best interest. For clients who prefer transparent, non-asset-based pricing, we also offer flat-fee, subscription-based planning through our VR Circle membership.
Our advisory office is in Ridgewood, and our affiliated CPA firm is in Maywood. We serve clients throughout Bergen County and northern New Jersey, including Ridgewood, Paramus, and nearby towns. We also have clients across New Jersey and New York.
Vision Retirement is a fee-based fiduciary registered investment advisor based in Ridgewood, in the heart of Bergen County. As a fiduciary, we’re legally required to act in your best interest — we earn no commissions, sell no proprietary products, and offer a flat-fee, non-asset-based planning option through our VR Circle membership.
Yes. Vision Retirement provides retirement and investment planning, and our in-house CPA firm, Leeds Accounting & Tax Services, handles tax planning — coordinated under one roof for clients throughout Bergen County and northern New Jersey. Our advisory office is in Ridgewood and Leeds is in Maywood.
Yes. Our Ridgewood office is a short drive from Paramus, and we work with retirees and pre-retirees throughout Paramus and the surrounding Bergen County towns. You’ll work directly with a CFP® professional, with tax planning coordinated through our affiliated CPA firm.
Yes. Much of our work is with pre-retirees in their 50s and 60s who are deciding when to retire, how to turn savings into income, and how to manage taxes along the way. We coordinate that planning with our in-house CPA firm so your investment and tax strategies stay aligned.
Helping families navigate complex retirement decisions.
Legally required to put your interests first — throughout the relationship, not just at the point of sale.
Clear pricing, no hidden fees, no surprises.
No proprietary funds. No incentives to push them.
Ready when you are
Start simplifying your journey and speak to a financial advisor today.
A free 15-minute call with a CFP® professional. No cost, no obligation, no sales pitch — just a conversation.
Schedule a FREE Discovery CallPrefer to call? 201-447-2212