We’re a Fee-Only Financial Planning and Investment Management (no products sold, no commissions) firm in Berkeley Heights, NJ. We opened our doors in 2004. We work with clients throughout New Jersey and nationwide. Our typical clients are individuals and families with at least $1.5 million of investments. We specialize in working with women. We’re honored to be awarded “Five Star Professional Wealth Manager,”  2016-18.

We adhere to a Fiduciary Oath that puts our clients’ needs before our own at all times. We take a 360 degree view of planning and investments. By working closely with our clients, we replace uncertainty and chaos with prudent investment management and financial planning principles. We have over 30 years of professional investment experience.


Investment Management

We design low cost, high quality portfolios that are integrated with client needs for both growth and income. We rebalance regularly and adjust client portfolios as their needs change. Click on “Learn More” for detailed information.

Financial Planning

We leave no stone unturned. We help transform chaos into order for our financial planning and investment clients by assembling a step-by-step plan of action. Each client has his or her own financial road map which outlines the best approach toward estate planning, insurance, investment design, tax minimization, executive compensation or other relevant areas.

Why Fee Only?

Our Fee-Only approach to planning and portfolio management is not clouded by product sales or split commissions.We charge a percentage on the investment assets we manage to cover detailed financial planning and investment management. Our fee structure is transparent. The Fee-Only model is a perfect fit with our Fiduciary Oath to put our clients’ needs before our own at all times.

NAPFA Fiduciary Oath

Learn More

More Services

Tax Planning

We work with CPAs (our own “team” or existing client CPAs) on tax projection work to minimize annual taxes. Example: Jill is retired and wants to tap her taxable account for funds. We determine that she can tap e.g. $30,000 from her IRA in one year and avoid virtually all ordinary income taxes, while drawing the balance of funds she needs from a taxable account.

We utilize tax-managed mutual funds for taxable accounts, whenever possible, the minimize capital gains taxes.

Executive Compensation Assessment

Some of our clients have an array of stock options and Restricted Stock Units that contribute significantly to their net worth. We utilize The Black-Scholes model and other strategies to determine the optimal timing for exercising and/or selling executive compensation; we work together with a CPA in this area to optimize value and minimize taxes.

Estate Planning

What are the best ways to gift to family and charity while our clients are alive, and after they have passed away? State and federal guidelines constantly are changing. We work with “best in class” estate attorneys to make sure our clients’ needs are addressed.

Insurance and Annuities

We work together with insurance specialists in the area of life, disability and long-term care insurance. As a Fee-Only firm, we don’t sell insurance or other products. We make sure our clients secure the best insurance for the best price to address gaps in financial planning. We don’t sell annuities but we do work with a specialist to assess existing annuities to see if they truly are needed or if they can be terminated or rolled over to save our clients money.



Eve Kaplan


Learn More

From the Blog

Invest Like a “Tortoise” — Not Like a “Hare”

by Eve Kaplan, Certified Financial Planner(R) Aesop’s “The Tortoise and the Hare” is a perfect metaphor for the way people go about investing their money. As you recall in the fable, the hare brags about his ability to beat the tortoise and is overly confident about winning. In the investment world, the hare is someone […]

Six Mistakes People Make When Hiring a Financial Advisor

by Eve Kaplan, Certified Financial Planner (TM) There are 6 common mistakes people make when engaging a financial advisor — and all of them are avoidable! Before we go through this list, let’s put the issue of paying for financial advice into context. Health and money are two areas of life where everyone benefits from […]

Market Forecasts: Helpful or Useless?

By Eve Kaplan, Certified Financial Planner® The financials industry spends a lot of time and money on preparing stock and bond market forecasts – especially at this time of year —  but are they “helpful” or “useless” when it comes to making investment decisions?  In my opinion, most of these forecasts have little predictive power. […]

See all our news


Fee Only
Dimensional Fund Advisors
5 Star Wealth Management