Holistic Financial Services for Retirees and Pre-Retirees in New Jersey

Retirement planning that focuses on strategies for your vision for the future, including your health, work, financial comfort, family, and lifestyle.

Plan Your Retirement

Clarity… Insight… Partnership…

Get comprehensive and objective fee-based wealth management with a personal touch from an experienced Certified Financial Planner®.

How We Help

When it comes to investing, retirement planning is often a top priority.

Many of our clients are at the stage of their lives where they are contemplating the end of work. At Falbo Wealth Management, we believe that retirement planning goes beyond financial planning and considers the potential challenges you might face along the road to retirement, life stages, and transitions that you should plan for over a lifetime.

You need a plan to put you on the right track towards a financially secure retirement, taking all possible detours and setbacks into consideration.

Beyond coaching you to take full advantage of your employee-funded retirement accounts, together we will determine the types of personal retirement accounts that could be most beneficial for you, as well as a suitable mix of investments for your specific goals and timeline.

Our goal in retirement planning is to focus on strategies for your vision for the future, including your health, work, financial comfort, family, and lifestyle.

we help thru all aspect of life planning

Together, we will look closely at your investment portfolio to optimize it for your specific financial goals. We’ll aim to ensure you have the best possible mix of asset allocations and types of accounts, taking into account your risk tolerance and timeline.

Investing effectively for the future requires getting comfortable with your household cash flow and working to eliminate debt. We will establish a household budget that works for your family, identify where you can reduce spending, create a plan for saving an adequate emergency cash reserve, and instill healthy financial habits for life.

The cost of higher education has gone up exponentially over the past two decades and is showing no signs of slowing. We’ll take a close look at how much you should be saving for your children’s education, what types of accounts and investments are best for education savings plans, and how soon you can start.

How you manage taxes can have a significant impact on your overall financial health. By partnering with your accountant, we will work to coordinate a year-round approach to managing your annual taxes and look for options to minimize your tax burden.

Developing an estate plan strategy is about more than leaving a financial legacy. We will work with you and your estate attorney to create an estate plan strategy that financially protects your loved ones in case of your untimely death, establishes a plan for long-term care and asset protection in case you become incapacitated during your lifetime, and ensures your property is disbursed according to your wishes upon your death with minimal burden to your beneficiaries.

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Our Process

Our primary goal is to guide our clients to pursue a successful transition to and through retirement. From families in transition to single individuals at every life stage, our focus is always on the people we help as well as the security and opportunities wealth management affords.

Generally, our strategies are developed to help clients plan for five key life goals:

Helping & Protecting Family

First, we take the time to understand your personal financial situation and planning issues. Then, we propose the most effective solutions available to best provide for those you care most about.

Enjoying & Preserving Lifestyle

You want to enjoy your life today and lessen the worry about your financial ability to have the life that you want in the future. We work with you to identify the ways that we can help you progress toward financial independence and preserve what you have worked so hard to build.

Planning for the Expected & Unexpected

Life presents you with many changes and challenges. Our work together focuses on the transitions that will inevitably occur. One of the biggest life transitions is your retirement and we specialize in helping clients work towards the next great phase of their lives with confidence and ease.

Creating Financial Comfort

Feeling good about where you are in life and having confidence in your future can be the key to happiness, comfort, and security. Our wealth management approach, education, and coaching are designed to provide confidence that you are on the right track.

Build a Legacy

At the end of the day, you want to make sure that you can pass on the results of your hard work to the people and causes you care about. We’ll work to position your wealth to have an impact beyond your lifetime.

About Our Fees

Falbo Wealth Management works on a fee-based arrangement with our clients.

Fees vary depending on the amount of work we do or the assets we manage. Before entering a client agreement, all fees will be discussed up-front.

We believe in total transparency and stand behind the value we provide. Our goal is to save you money in the long run by helping you make informed decisions about your finances.

Please note that our fees are not to guarantee performance or to provide things we cannot control.

Our fee is primarily for behavioral advice. By working with us, you might also save time and energy when it comes to recordkeeping. Plus, you will get retirement income planning, asset allocation, portfolio selection, financial education, retirement lifestyle education, monitoring, and reporting.