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Top Financial Advisor Firms in New Jersey

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Finding a Top Financial Advisor Firm in New Jersey

New Jersey residents will likely have a tough time making a final decision on a financial advisor firm because of the number of options throughout the state. To simplify this undertaking, SmartAsset determined the top financial advisor firms in the Garden State. Below, you can compare and contrast the fee schedules, investing strategies and typical client bases of each of the 10 firms to find the one that suits your financial goals and needs.

To find a financial advisor near you, try our free online matching tool, or call 1-888-217-3965.

Rank Financial Advisor Assets Managed Minimum Assets Financial Services More Information
1 Pathstone Pathstone logo Find an Advisor

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$ 10,251,421,807 $2,000,000
  • Financial planning services
  • Portfolio management
  • Selection of other advisors (including private fund managers)
  • Family office services

Minimum Assets

$2,000,000

Financial Services

  • Financial planning services
  • Portfolio management
  • Selection of other advisors (including private fund managers)
  • Family office services
2 RegentAtlantic RegentAtlantic logo Find an Advisor

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$4,900,760,255 No set account minimum
  • Financial planning
  • Portfolio management
  • Pension consulting
  • Educational seminars

Minimum Assets

No set account minimum

Financial Services

  • Financial planning
  • Portfolio management
  • Pension consulting
  • Educational seminars
3 Palisade Capital Management LLC Palisade Capital Management LLC logo Find an Advisor

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$ 3,995,013,625 Varies based on account type
  • Financial planning
  • Portfolio management
  • Selection of other advisors (including private fund managers)
  • Portfolio management for wrap account programs

Minimum Assets

Varies based on account type

Financial Services

  • Financial planning
  • Portfolio management
  • Selection of other advisors (including private fund managers)
  • Portfolio management for wrap account programs

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4 Simon Quick Advisors, LLC Simon Quick Advisors, LLC logo Find an Advisor

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$3,403,198,633 No set account minimum
  • Financial planning
  • Portfolio management
  • Pension consulting
  • Selection of other advisors (including private fund managers)

Minimum Assets

No set account minimum

Financial Services

  • Financial planning
  • Portfolio management
  • Pension consulting
  • Selection of other advisors (including private fund managers)
5 Beacon Trust Beacon Trust logo Find an Advisor

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$3,401,000,000 $500,000
  • Financial planning services
  • Portfolio management
  • Selection of other advisors (including private fund managers)
  • Consulting

Minimum Assets

$500,000

Financial Services

  • Financial planning services
  • Portfolio management
  • Selection of other advisors (including private fund managers)
  • Consulting
6 Advisors Capital Management, LLC Advisors Capital Management, LLC logo Find an Advisor

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$3,196,357,979 Varies based on account type
  • Financial planning services
  • Portfolio management
  • Pension consulting services
  • Educational seminars/workshops

Minimum Assets

Varies based on account type

Financial Services

  • Financial planning services
  • Portfolio management
  • Pension consulting services
  • Educational seminars/workshops
7 Modera Wealth Management, LLC Modera Wealth Management, LLC logo Find an Advisor

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$ 2,746,156,868 No set account minimum
  • Financial planning services
  • Portfolio management
  • Pension consulting services
  • Selection of other advisors (including private fund managers)

Minimum Assets

No set account minimum

Financial Services

  • Financial planning services
  • Portfolio management
  • Pension consulting services
  • Selection of other advisors (including private fund managers)
8 Circle Wealth Management, LLC Circle Wealth Management, LLC logo Find an Advisor

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$1,919,966,506 No set account minimum
  • Financial planning
  • Portfolio management
  • Selection of other advisors (including private fund managers)
  • Educational seminars/workshops

Minimum Assets

No set account minimum

Financial Services

  • Financial planning
  • Portfolio management
  • Selection of other advisors (including private fund managers)
  • Educational seminars/workshops
9 Hallmark Capital Management Inc Hallmark Capital Management Inc logo Find an Advisor

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$ 1,899,969,483 $500,000
  • Financial planning services
  • Portfolio management

Minimum Assets

$500,000

Financial Services

  • Financial planning services
  • Portfolio management
10 CFS Investment Advisory Services LLC CFS Investment Advisory Services LLC logo Find an Advisor

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$ 1,463,231,482 $500,000
  • Financial planning services
  • Portfolio management
  • Pension consulting
  • Selection of other advisors (including private fund managers)
  • Advice on matters not involving securities

Minimum Assets

$500,000

Financial Services

  • Financial planning services
  • Portfolio management
  • Pension consulting
  • Selection of other advisors (including private fund managers)
  • Advice on matters not involving securities

How We Found the Top Financial Advisor Firms in New Jersey

Our SmartAsset personal finance experts only considered New Jersey-based financial advisor firms registered with the U.S. Securities and Exchange Commission (SEC) for placement on this list. That’s because all SEC-registered firms are bound by a fiduciary duty to act in clients’ best interests. We removed any firms that reported disciplinary or legal events. We also cut firms that didn't offer financial planning or whose clients weren't at least half individuals. We then took the top 10 firms based on assets under management. They're listed below, starting with the largest. All information is accurate as of the writing of this article.

Pathstone

Pathstone

At the top of the list, Pathstone Family is a fee-only firm with nearly $10.3 billion in assets under management. There are 70 advisors at the firm with additional offices in California, Washington, DC, Florida, Georgia and Massachusetts. The 12-member team in New Jersey includes five certified financial planners (CFPs).

Individual clients are mostly high-net-worth individuals. The firm also works with pooled investment vehicles, charitable organizations and other corporations. 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 Background

This firm was founded in 2016 through the merger of Pathstone Family Office (founded in 2010) and Federal Street Advisors (founded in 1991). It is principally owned by Pathstone Holdings, LLC and is family- and employee-owned.

The firm’s services include:

Pathstone Investment Strategy

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. 

RegentAtlantic

RegentAtlantic

Fee-only financial advisor firm RegentAtlantic has more than $4.9 billion in assets under management and 45 financial advisors on staff. In addition to its headquarters in Morristown, the firm has offices in New York, New York, and in Wayne, Pennsylvania. The team includes 28 certified financial planners (CFPs), nine chartered financial analysts (CFAs), nine MBAs, five financial paraplanner qualified professionals (FPQPs), two certified public accountants (CPAs), two certified investment management analysts (CIMAs), one certified trust and financial advisor (CTFA), one certified private wealth advisor (CPWA) and one certified divorce financial analyst (CDFA). (Some advisors may have more than one credential.)

This practice mostly works with high-net-worth individuals. It also serves non-high-net-worth individuals, foundations, endowments, pension and profit-sharing plans and businesses. RegentAtlantic says it specializes in serving business owners, corporate executives, those approaching retirement, senior citizens, Wall Street women and non-profit organizations. While there is no minimum account size, RegentAtlantic generally imposes a $10,000 minimum annual fee.

RegentAtlantic Background

RegentAtlantic has been in business since just 2001. Prior to that, the firm existed as two separate firms: Bugen, Korn & Cordaro and Individual Asset Planning. Chief Investment Officer Christopher Cordaro and Chief Operating Officer Jennifer Papadopolo own the firm.

As you might expect from a firm this large, it has many financial planning services available:

  • Financial goal setting
  • Retirement planning
  • IRA/qualified plan management
  • Business planning
  • Tax minimization
  • Estate planning
  • Insurance analysis
  • Charitable gift planning
  • College fund planning

RegentAtlantic Investing Strategy

RegentAtlantic’s central focus is long-term sustainable growth, and it will always strive to achieve this in its client portfolios. Unlike some firms, though, it’s willing to use short-term investments to try to capitalize on some of the higher returns that can accompany these riskier investments.

The firm’s advisors rebalance portfolios on a regular basis to ensure that they realize the portfolio mix they’re aiming for in real time, not just when first implementing the plan. Changes in your financial goals or shifts in an asset class weight by more than 20% will also trigger rebalancing.

Palisade Capital Management LLC

Palisade Capital Management LLC

Though founded in 1995, Palisade Capital Management LLC joins the list this year. This is because it only recently began offering financial planning services. The firm primarily offers investment management through separately managed accounts. The minimum to open an account depends on the investment strategy and ranges from $1 million to $5 million. The firm also serves as sub-advisor to several mutual funds and as advisor to a collective investment trust, private equity funds and private hedge funds.

Despite its high minimum account requirements, the firm serves almost three times as many clients who do not have high net worths as clients who do. Advisors at this Fort Lee firm includes five chartered financial analysts (CFAs), several JDs, several MBAs, one certifed financial planner (CFP) and one certified public accountant (CPA).  

Palisade Capital Management Background

Martin Berman, Steven Berman, and Jack Feiler founded the firm in 1995. Today the latter two serve as vice chairmen, while Alison Berman serves as president and CEO and Michael Feiler is managing director of private wealth management. The firm is primarily owned by Bermans, plus Jack Feiler, Dennison Veru, Jeffrey Serkes, Bradley Goldman, Beata Tannuzzo and Michael Feiler have stakes.

Palisade Capital Management Investing Strategy

Palisade Capital has been offering comprehensive, bottom-up, fundamental investing for 25 years. Its strategies include small cap core equity, focused all cap equity, convertible securities, short duration convertible bonds, hedged convertibles, private equity and hedged equity. Private wealth management individuals with separately managed accounts typically choose one of the following investment goals: growth, preservation of principal/income or balanced/conservative growth. Their assets are typically invested in securities of individual issuers, mutual funds, exchange-traded funds and/or investments in funds managed by Palisade.

Simon Quick Advisors, LLC

Simon Quick Advisors, LLC

Simon Quick Advisors, LLC is a fee-only firm managing more than $3.4 billion for clients. Most of the individual clients of the firm are high-net-worth, though not all. Other clients include pooled investment vehicles, pension and profit-sharing plans, charitable organizations, state or municipal government entities, other investment advisors, insurance companies and other corporations.

Simon Quick has 21 advisors on staff, including ten certified financial planners (CFPs), five chartered alternative investment analysts (CAIAs), five chartered financial analysts (CFAs), three certified public accountants (CPAs), two accredited investment fiduciaries (AIFs) one financial paraplanner qualified professional (FPQP) and one certified divorce financial analyst (CDFA). 

Fees are generally based on a percentage of assets under management, though some clients at the firm may pay performance-based fees. There is no set account minimum, though there is a $10,000 minimum annual fee for wealth management services.

Simon Quick Advisors Background

Leslie Quick III and William E. Simon & Sons, LLC (WESS) joined forces in 2017 to create Simon Quick Advisors. (Quick's first independent firm formed in 2004). Quick, WESS, Joseph Belfatto, and QIII Family Enterprises, LLC are the principal owners.

The firm manages four affiliated private investment funds and serves as sub-advisor to several unaffiliated funds. It also offers:

  • Wealth management
  • Investing consulting services
  • Tax planning and compliance
  • Cash flow management
  • Retirement planning
  • Estate planning

Simon Quick Advisors Investing Strategy

Fundamental analysis is the main method used by advisors at Simon Quick to analyze potential security purchases. This involves looking at historical and present financial data to forecast what will happen in the future.

The following strategies may be used by advisors at the firm:

  • Long-term purchases
  • Short-term purchases
  • Trading
  • Short sales
  • Options

Beacon Trust

Beacon Trust

One of two Morristown firms on this list, Beacon Trust works with far more high-net-worth individuals than non-high-net-worth individuals. While individual investors are the firm’s most common clients, it also works with pension and profit-sharing plans, trusts, estates, businesses and charitable organizations. New clients of this fee-only firm are required to have at least $500,000 in investable assets.

The firm has a large variety of advisor certifications on this list. Its team includes 11 certified financial planners (CFPs), seven chartered financial analysts (CFAs), three certified public accountants (CPAs), one chartered alternative investment analyst (CAIA), and one chartered investment counselor (CIC). 

Beacon Trust Background

Beacon Trust was formed in 2015. Provident Financial Services, Inc., a publicly traded financial company, owns the firm. The advisors at Beacon Trust have, on average, 20 years of experience in financial advising and management.

Services at this firm are tailored to certain types of clients, like business executives and retirees. You’ll find investment management, estate planning, retirement planning, executive compensation planning, tax planning and preparation, trust creation and estate planning services available at Beacon. For investment management services, the practice offers a wrap fee program through Charles Schwab.

Beacon Trust Investing Strategy

Beacon Trust uses multiple investment strategies across diversified asset classes to build its client portfolios. Overall, the firm looks to do the following for each account it builds: maximize liquidity, adhere to tax efficiency, preserve wealth, deliver attractive returns and maintain transparency.

Inherently diversified investments make up most of this firm's portfolios. In other words, you’ll likely see a mix of exchange-traded funds, mutual funds, individual debt and equity securities, options and investment limited partnerships in your account.

Advisors Capital Management, LLC

Advisors Capital Management, LLC

Advisors Capital Management, LLC works with more than nine times as many non-high-net-worth individuals as high-net-worth individuals. Additionally, Advisors Capital Management works with state and municipal government entities, pension and profit-sharing plans, businesses and charitable organizations. 

The account minimum at this Ridgewood-based firm varies depending on the type of account. The minimums are:

  • ACM private account - $300,000
  • ACM model separate accounts - $150,000
  • ACM model mutual fund/ETF strategies- $50,000

The team at Advisors Capital Management includes three chartered financial analysts (CFAs) and one MBA. Certain advisors at the firm also sell insurance and earn commissions from sales, which is a potential conflict of interest. That said, the firm is legally bound by its fiduciary duty to act in clients' best interests.

Advisors Capital Management Background

Founding partner Kevin Kern established the firm's predecessor, Advisors Financial Center, in 1998. In 2003, Kern merged that firm with Chief Investment Officer Dr. Charles Lieberman. The merged firm became Advisors Capital Management, and it remains majority owned by Lieberman. The firm’s senior economic advisor is Dr. Alan Greenspan, who served as the chairman of the U.S. Federal Reserve from 1987 to 2006.

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 Investing Strategy

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.

Modera Wealth Management, LLC

Modera Wealth Management, LLC

Individuals comprise the largest percentage of Modera Wealth Management, LLC’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 fee of $5,000 for wealth management, $4,000 for portfolio management and $1,375 for retirement plan services.

Aside from its main office in Westwood, you can find this fee-only firm in Massachusetts, Florida, North Carolina and Georgia. The team in New Jersey includes 12 certified financial planners (CFPs), three chartered financial consultants (ChFCs), two accredited investment fiduciaries (AIFs), one chartered life underwriter (CLU), one chartered financial analyst (CFA) and one chartered special needs consultant (ChSNC).

Modera Wealth Management Background

Though Modera Wealth Management’s roots can be traced back to 1983, it was technically formed in 2011 through a merger between Back Bay Financial Group, Inc. and Modera Capital, Inc. The latter, Modera Capital, Inc. is now a financial holding company and owns the firm.

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.

Modera Wealth Management Investing Strategy

Modern Portfolio Theory has become popular with financial advisor firms in recent years, but this firm chooses to focus on just three main tenets of it:

  • The markets work. The market will usually set fair prices.
  • Diversification is key. Use international securities in different markets to fill out portfolios.
  • There’s a relationship between risk and return. If you want a boost in return, make sure the risk only increases proportionately.

To put these ideas into practice as fully as possible, Modera Wealth Management remains open to a plethora of investment opportunities, including exchange-traded funds, stocks, bonds, real estate investment trusts, commodities and more.

Circle Wealth Management, LLC

Circle Wealth Management, LLC

Circle Wealth Management, LLC is next on our list. The firm only has high-net-worth individuals and charitable organizations as clients. This firm is fee-only. It has no set account minimum.

This Summit-based firm’s team holds advisory certifications such as certified financial planner (CFP) and certified public accountant (CPA).

Circle Wealth Management Background

Managing partner Maria Chrin is the majority owner of Circle Wealth Management.  The Financial Times honored Chrin as one of the top female financial advisors in 2014. Circle Wealth Management was founded in 2006, though its advisors average 20 years in the financial sphere.

The firm initially offers clients general services, such as financial planning, wealth advising and investment management. These will then be customized to your personal needs based on conversations with your advisor.

Circle Wealth Management Client Experience

Circle Wealth Management places an emphasis on collaboration between advisors and clients as it builds relationships. Conversations with your advisor will determine your personal risk tolerance, time horizon and financial goals, all of which will eventually shape your financial plan.

Circle Wealth Management wants you to feel extremely secure in the plan that it puts forth for you. To do this, its advisors recommend that you get into contact with your own accountant and attorney to ensure that any strategy used in your account is in line with your future plans and goals.

Hallmark Capital Management Inc

Hallmark Capital Management Inc

Hallmark Capital Management Inc is a fee-only firm with close to $1.9 billion in assets under management. The minimum account size for investment management is $500,000. Fees are based entirely on a percentage of assets under management and advisors do not earn commissions for selling securities or insurance products to clients. 

There are 13 advisors at the firm. The team in New Jersey and New York includes two chartered financial analysts (CFAs) and two certified financial planners (CFPs). There is also an office in Florida. Clients are a mix of individuals and high-net-worth individuals, though more are high-net-worth. Institutional clients include pension and profit-sharing plans, charitable organizations, insurance companies and other corporations. 

Hallmark Capital Management Background

Hallmark Capital Management was founded in 1986 and started offering financial planning in 1999. It became a wholly-owned subsidiary of Valley National Bancorp in 2000, and in 2016 it merged with New Century Asset Management, another wholly-owned subsidiary of the parent company.

Services offered by the firm include:

  • Investment management
  • Financial planning
  • Income taxes
  • Retirement planning
  • Asset allocation
  • Estate tax planning
  • Education pre-funding

Hallmark Capital Management Investing Strategy

The asset allocation strategy at Hallmark may follow one of three main strategies:

  • Equity account - mostly invested in common stocks, with some cash reserves
  • Fixed income account - mostly invested in bonds, with some cash reserves
  • Balanced account - invested in a mix of stocks and bonds, with some cash reserves

Mutual funds and exchange-traded funds may also be used, though individual stocks and bonds are the heart of Hallmark’s investment strategy.

CFS Investment Advisory Services LLC

CFS Investment Advisory Services LLC

Last but not least, CFS Investment Advisory Services LLC is a fee-based firm managing nearly $1.5 billion in assets. The firm has nine advisors on staff, including five certified financial planners (CFPs), two accredited investment fiduciaries (AIFs), two MBAs, one accredited investment fiduciary analyst (AIFA) and one accredited asset management specialist (AAMS). (Advisors may have more than one credential.)

The vast majority of the firm’s clients are individuals, with some high-net-worth accounts. It also advises pension and profit-sharing plans and charitable organizations. The minimum portfolio value required is $500,000, which the firm may waive at its discretion.

Fees for investment management are based on a percentage of assets under management. Financial planning and consulting services carry fixed fees. Some of the firm’s advisors are insurance brokers and may earn commissions selling products to clients. This is a potential conflict of interest, but advisors must act in the best interest of the client as they are bound by their fiduciary duty.

CFS Investment Advisory Services Background

CFS Investment Advisory Services was founded in 1998 and is the successor to another investment advisor firm that was founded in 1993. The firm's owners are Gregory M. Makowski and Harris S. Nydick, who are also the managing members.

Services offered at CFS include:

  • Financial planning
  • Consulting
  • Tax planning
  • Estate planning
  • Insurance planning
  • Investment management

CFS Investment Advisory Services Investing Strategy

Advisors at the firm use fundamental, technical and cyclical analyses to make decisions on which securities to invest customer money in. This means that historical data, price information and current and past market trends are all used to make decisions about which securities will be the best purchases for clients.

Securities may be held for more than a year (long term purchases), they may be sold within a year (short term purchases) or bought and sold within 30 days (trading).

How Many Years $1 Million Lasts in Retirement

SmartAsset's interactive map highlights places where $1 million will last the longest in retirement. Zoom between states and the national map to see the top spots in each region. Also, scroll over any city to learn about the cost of living in retirement for that location.

Least
Most
Rank City Housing Expenses Food Expenses Healthcare Expenses Utilities Expenses Transportation Expenses

Methodology To determine how long a $1 million nest egg would cover retirement costs in cities across America, we analyzed data on average expenditures for seniors, cost of living and investment returns.

First, we looked at data from the Bureau of Labor Statistics (BLS) on the average annual expenditures of seniors. We then applied cost of living data from the Council for Community and Economic Research to adjust those national average spending levels based on the costs of each expense category (housing, food, healthcare, utilities, transportation and other) in each city. Using this data, SmartAsset calculated the average cost of living for retirees in the largest U.S. cities.

We assumed the $1 million would grow at a real return (interest minus inflation) of 2%. This reflects the typical return on a conservative investment portfolio. Then, we divided $1 million by the sum of each of those annual numbers to determine how long $1 million would cover retirement expenses in each of the cities in our study. Cities where $1 million lasted the longest ranked the highest in the study.

Sources: Bureau of Labor Statistics (BLS), Council for Community and Economic Research