Fiduciary Financial Planner for New Jersey Widows, Special Needs Families, and Inheritances
How I Help You:
Widows & Widowers
I try not to just answer your questions, but to help you understand the concepts and rational behind my recommendations. I’ll review if you qualify for Social Security Survivor benefits, when you should apply, and determine when you should start your own benefits. I’ll also help guide you through tax planning on an increased “Single tax payer” tax bracket.
Special Needs Families
Navigating both retirement and planning for your special needs child can be overwhelming. I help you and your family answer: Do we need a trust? What happens when we go from SSI to SSDI? When does Medicare start? Should we have an ABLE account?
Inheritances
I’ll help you determine when you need to take your Required Minimum Distributions from your parent’s retirement plans. If you fall under the “10-year rule” I’ll design a withdrawal strategy that aligns with your overall tax plan. If needed, I can help guide you through the estate process.
“In times of uncertainty, remember you are not alone. While it’s natural to feel overwhelmed, there can be hope and confidence when we work together to get organized and create a plan.”
Nicholas J. Scheibner, CFP®, EA
Hear from me in person
Get to know more about me and why I do what I do.
Our Values
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Collaboration
I will never say, “don’t worry about it”. I want to work with you and help you understand your money. I take the time to proactively explain my recommendations and how your money is working. Please ask any question.
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Efficiency
Right now, it may feel like things are overwhelming and complicated. I work with you to create an efficient financial life by simplifying, organizing, and consolidating.
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Risk and Reward
Each financial option presents a level of Risk and Reward. I will help you navigate the balance and guide you through opportunities.
Download this Social Security Survivorship Guide
The guide is designed to give some basic information about if you qualify for Social Security Survivor Benefits
Our services
RMD’s (Required Minimum Distributions)
I help guide you through your options regarding RMD’s for your specific situation. I help you determine what type of beneficiary you are, and which rules apply to you.
Social Security Strategies
I help you uncover all of your available benefits through the Social Security system. You will learn if you qualify for Survivor benefits, and when is best to apply.
Income Tax Planning
I will create an income tax plan for each year, and create strategies around optimizing withdrawal sources. I can plan for increased or decreased tax years and discuss opportunistic strategies.
Account Consolidation
I help you simplify and consolidate your financial accounts. You will have more confidence in your understanding of your own financial picture.
Tools to help you understand your finances
Your Investments
Get a full picture of how your investments are doing, and how your portfolio strategy is positioned for different market environments.
Your Taxes
See your expected taxable income and the strategies we can use to ensure proper taxes are withheld and discuss planning opportunities.
Your Plan
See how your spending and savings effects your long-term goals.
Frequently Asked Questions
Are you a Fiduciary?
Yes. As a Registered Investment Advisor with the state of New Jersey, I am required to be a Fiduciary to my clients. I am also a member of NAPFA and do not sell any investment or insurance products. I make no commissions off of my recommendations.
How much does this cost?
I charge a percentage of the investments I am managing for you. The charge only starts once I begin investing. This percentage is 1% per year on the first $2,000,000 and 0.5% per year on amounts above $2,000,000.
How does this work?
You will be working directly with me. I will have 2 full scale review meetings each year and you will receive quarterly statements from me. However, I am only a quick email, phone call, or Zoom meeting away to discuss any question or concern you may have. I mainly work from home, but I am happy to meet you in person at a location convenient for you or my meeting location in Ridgewood, NJ.
How do I know you can help me?
By setting up a conversation. Even if I may not be a good fit for you, I will do my best to guide you to the right solution that fits your needs.