Top 10 Financial Advisors in New Jersey

Find an Advisor

At the top of the list, Pathstone Family is a fee-only firm with billions in assets under management. Individual clients are mostly high-net-worth individuals. The firm also works with pooled investment vehicles, charitable organizations and other corporations. Services offered by the firm include discretionary investment advising, financial planning services, tax compliance, financial consulting and tax return preparation. 

The minimum portfolio size is $2 million. Fees for investment management are based on a percentage of assets under management, though some qualified clients may enter into an agreement for performance-based fees.

Pathstone may use the following strategies in client portfolios: long-term purchases, short-term purchases, trading, short sales, margin transactions, option writing, structured products and, and derivatives.Generally, Modern Portfolio Theory informs the process of determining asset allocation and manager selection for advisors. Each client has a determined return objective and risk tolerance that drives investment decisions. 

Find an Advisor

Summit Financial works with individuals, high-net-worth individuals, trusts, businesses, retirement plans and charitable organizations. The account minimum varies depending on the program, with some programs having no stated minimum.

Summit Financial provides financial planning, portfolio management and retirement plan advisory services. Its services include outside investment monitoring, alternative investment recommendations, variable annuity access and introductions to non-purpose lending programs. The firm provides services on both a discretionary and non-discretionary basis, depending on the program.

The firm takes into account a number of factors when deciding how to invest client assets. Its advisory programs may use ETFs, mutual funds, separately managed accounts, individual stocks and bonds, fixed income strategies, alternative investments and unified managed accounts. Depending on the program, the firm may also use tactical allocation, direct indexing, tax-loss harvesting, tax optimization and third-party investment managers.

Find an Advisor

Advisors Capital Management works with more non-high-net-worth individuals than high-net-worth individuals. Additionally, Advisors Capital Management works with pension and profit-sharing plans, businesses and charitable organizations. The account minimum at this Ridgewood-based firm varies depending on the type of account. 

Advisors Capital Management provides most of the services that typical financial advisor firms do. Its services include budget and cash flow planning, investment management, retirement planning, estate planning and insurance analysis.

Advisors Capital Management takes into account a number of factors when deciding which industries are worth investing in. These factors include interest rate outlooks, demographics, business cycles and more. Once it has considered these elements, the firm selects specific companies within the viable industries that present strong return possibilities or are currently undervalued.

The final choices your advisor makes throughout this process are not only based on the aforementioned research but also on how well the investments align with your personal risk tolerance and time horizon. However, this firm heavily emphasizes long-term investments.

Find an Advisor

Onepoint BFG Wealth Partners offers financial planning, retirement consulting and wealth management services to individuals, business entities, trusts, estates and charitable organizations. Most client assets are managed on a discretionary basis, while a smaller portion are managed under advisement. The firm offers wrap and non-wrap accounts.

The firm uses what it calls the "Banyan Assessment" to create a financial plan tailored to each client's short-term and long-term goals, income and risk tolerance and uses it to develop a personalized wealth management strategy.

Onepoint uses economic, fundamental and technical analysis to identify appropriate investment opportunities for clients. Depending on the client, the firm may buy stocks, fixed-income securities, funds, master limited partnerships and alternative investments. 

Find an Advisor

Individuals comprise the largest percentage of Modera Wealth Management’s client base, although that’s not the only group the firm serves. The firm has built relationships with pension and profit-sharing plans, estates, trusts, businesses, investment limited partnerships and charitable organizations. Modera Wealth Management does not require new clients to have a minimum level of investable assets, but it does have a minimum quarterly fees.

This firm’s services can be split into a few overarching categories, like wealth management, portfolio management, investment consulting and monitoring, retirement planning and financial planning and consulting. Modera offers business planning, insurance review, estate planning, tax mitigation, cash-flow planning and education funding as well.

Modern Portfolio Theory has become popular with financial advisor firms in recent years, but this firm chooses to focus on just three main tenets it: First, the markets work (the market will usually set fair prices). Second, diversification is key (use international securities in different markets to fill out portfolios). Finally, there's a relationship between risk and return (if you want a boost in return, make sure the risk only increases proportionately). 

Find an Advisor

TLG Advisors, Inc. is a Summit, New Jersey-based advisory firm that has been in business since 1997. The firm works with individuals, trusts, charitable organizations, foundations, corporations, pension and retirement plans, institutional investors and independent advisors. TLG Advisors is a fee-based firm, meaning some investment advisor representatives may receive commissions through affiliated broker-dealer or insurance activities.

TLG Advisors generally requires $25,000 for standard advisory accounts, which may be met by combining accounts within a household. Its Starlight Portfolios program has no minimum account size. Services offered by the firm include investment policy planning, financial planning, estate planning, business planning, retirement plan fiduciary services, asset allocation, manager selection, account monitoring and rebalancing recommendations.

The firm also offers Starlight Portfolios, a web-based advisory program that uses risk tolerance questionnaires to recommend portfolios of passive and active mutual funds. TLG Advisors primarily uses fundamental analysis and Modern Portfolio Theory when building portfolios. Its process may include strategic asset allocation, tactical adjustments, fund screening and manager evaluation based on factors such as expenses, volatility, fiduciary scores, Sharpe ratio, alpha, returns, investment style and correlation across asset classes.

Find an Advisor

Laurel Oak Wealth Management, LLC is a fee-based financial advisor firm headquartered in Marlton, New Jersey. The firm works with individuals, high-net-worth individuals, retirement plan participants, trusts, estates, businesses, pension and profit-sharing plans, governmental entities, institutional investors, qualified purchasers and other investment advisors.

Laurel Oak does not impose a stated minimum fee or minimum portfolio value for investment management relationships, though certain third-party managers may have their own account minimums.

Laurel Oak provides discretionary and non-discretionary investment management, financial planning and consulting, pension and 401(k) plan management, ERISA plan advisory services, wrap fee program management and oversight of third-party managers. Its planning services may include retirement planning, cash flow and budgeting, tax planning, estate planning, business planning, wealth transfer, education funding and charitable planning.

The firm uses both active and passive management when developing investment strategies for clients. Its approach may include fundamental analysis, technical analysis, relative strength analysis, charting, mutual fund and ETF analysis, tactical asset allocation, Modern Portfolio Theory, dollar-cost averaging and trend-following strategies. Based on this research, the firm may recommend mutual funds, exchange-traded funds, options, alternative investments, fixed-income securities, cash or money market positions.

Find an Advisor

Circle Wealth is a fee-only financial advisor firm, meaning it only receives income from client fees. This avoids the conflicts of interest found at a fee-based firm, which can receive commissions for insurance or securities transactions. There is a $30 million account minimum. Circle Wealth Management's client base consists entirely of high-net-worth individuals and charities.

Circle Wealth provides highly customized financial planning and investment management services to its clients, on both a discretionary and non-discretionary basis. These services include estate planning, tax planning, insurance planning, retirement planning and more.

Circle Wealth Management looks to tailor its advisory services to the financial objectives, risk tolerance and time horizon of each client. Part of the process of understanding the client involves an evaluation of their existing investments. Based on these findings, the firm may recommend that those investments should be held or sold. Based on the entirety of this information, the firm will put together an investment policy statement (IPS).

The firm uses both quantitative and qualitative analysis when crafting client portfolios. The firm draws from a wide range of databases to inform their decisions. Based on this research, the firm may recommend investments like individual equities, fixed-income securities, options, mutual funds, private equity funds, funds of funds, hedge funds, exchange-traded funds (ETFs) and structured notes.

Find an Advisor

Beacon is a fee-only advisory firm. A majority of its individual clients have a high net worth. The firm also maintains advisory relationships with high-net-worth individuals, charitable organizations, government entities, retirement plans and investment companies.

Beacon Trust provides financial planning, asset management, consulting and tax preparation services. The firm guides its clients through all of the steps it takes to achieve their financial goals. It performs asset management services on a primarily discretionary basis and offers wrap fee programs as well.

Beacon Trust's portfolio programs look to invest client's assets in a wide variety of securities. The firm looks to preserve wealth and drive growth while maximizing liquidity, tax efficiency and adaptability. Risk mitigation tends to be at the center of each portfolio strategy. The firm's strategies include small-cap, mid-cap, large-cap, international, bond and high-yield securities. It also uses mutual funds and exchange-traded funds (ETFs) in client portfolios. The firm rebalances and evaluates client portfolios on a consistent basis.

Find an Advisor

Coming in next on our list is Simon Quick Advisors, LLC. The firm is fee-only, which means it does not receive any sales or transaction commissions that could introduce conflicts of interest. Simon Quick provides several different financial advisory services across the investing and financial planning verticals. The firm and its advisors help clients with wealth management, investment planning, retirement planning, tax planning, estate planning and more.

Simon Quick primarily provides services to individual clients, with most of them having a high net worth. The firm also commonly works with pooled investment vehicles, retirement plans, charities, insurance companies, other investment advisors and municipal government entities. Rather than impose a minimum account size, the firm charges a $10,000 minimum annual fee, which could be cost-prohibitive for smaller account sizes.

In order to properly help clients manage their investments, Simon Quick creates unique investment plans that fit the objectives of each client. Through extensive interviews, the firm determines precise investment goals and the asset management styles that would pair well with them. The firm then allocates client funds to a number of securities, such as stocks, bonds, mutual funds and exchange-traded funds (ETFs). As your portfolio ages, the firm will rebalance your investments.

Simon Quick primarily utilizes fundamental analysis when crafting client portfolios to determine a security's intrinsic value. In terms of investment strategies, the firm enagages in long- and short-term purchases, short sales and options trading. Each portfolio is given periodic performance updates to ensure proper growth targets are being met.