Retirement Planning ServicesRetirement Planning Advisor Services | Manasquan Wall NJ

Harbor Lights Financial Group planning services offer clients a commitment to the sound advice and strategy necessary for retirement. And because we have no obligation to sell any specific financial product, ​you can trust that we will only recommend those best-suited investments to our client. Harbor Lights Financial Group is based in Manasquan, NJ, a borough formed from portions of Wall, NJ.

What is Retirement Planning?

To start, let’s define what retirement is. It is a time in life when someone decides to leave work behind, permanently. Typically, the retirement age is somewhere in the 65-year-old range. At least, it is the 65-range in the U.S. where there is a pension or benefits system to help with retirement income. In the U.S., specifically, there is the Social Security Administration (SSA) to support retirees with monthly income benefits. All things considered, retirement normally requires a plan and a retirement planning advisor may help developing that plan.

So, let’s then define ‘retirement planning.’ When retirement is approaching, one should plan to pay down debt, contribute to any retirement accounts, and assess all assets. Retirement planning prioritizes goals for retirement and then what’s necessary to achieve them. The sooner this planning begins, the better. It may include saving money, identification of expenses, potential sources of income, or available assets, and managing it all in ways that meet a future retirement goal. There are also tax-advantaged retirement investment solutions to consider. With this all in hand, a retirement goal can be reviewed against the combined positions to see whether or not that goal is possible and in the ‘life timeline’ proposed. Regardless, a strategy and a discipline for getting to one goal or another can now be put in motion.

Why Harbor Lights Financial Group As Retirement Planning Advisor?

In the early 1990s, Harbor Lights Financial Group was founded to offer strategies for our client’s most demanding life problems through sound financial advice and care. We offer our expertise to local Manasquan, Wall, and surrounding NJ community investors. Services may include wealth management, estate planning, life insurance strategies, philanthropic planning, executive planning, business exit planning or planning for business executives, and much more!

We are also a team of advisors and CERTIFIED FINANCIAL PLANNERS™ ­(see CFPs below) — professionals who help people like you with customized strategies designed to enhance and/or preserve your assets for retirement. We work to realize your financial goals, empowering you to enjoy the freedom that brings.

Robert Tendler – CFP CLU
Jonathan Shippee – MBA CFP
Douglas Lockwood – CFP
David Scureman– MBA CFP
Kenneth Roberts – CFP

Trust services are available through banking and trust affiliates in addition to non-affiliated companies of Wells Fargo Advisors. Wells Fargo Advisors and its affiliates do not provide legal or tax advice. Any estate plan should be reviewed by an attorney who specializes in estate planning and is licensed to practice law in your state.


If you have any questions, please get in touch with Us Today!