We'll help you chart a course to and through your retirement with customized financial planning.
At Millstone Financial Group, we believe retirement planning is about more than money; it’s about helping people achieve the life they’ve worked so hard to build.
Our fiduciary advisors create personalized retirement strategies based on your goals, values, and vision for the future. From retirement income and investment management to tax-efficient planning, Social Security, and legacy planning, every recommendation is made with your best interests at heart.
Because when you put People First, the numbers have a purpose.
We begin with our Millstone Awareness Assessment, a comprehensive review of your retirement plan. Together, we’ll discuss your goals, investments, taxes, and income needs to create a clear path forward.
Millstone puts strategy at the helm of your retirement planning. We design a custom plan around the key points we assessed during your consultation to meet the needs of you and your family.
Developing a plan is just the beginning. We monitor your progress and adjust your strategy as needed to keep your retirement plan aligned with your goals and changing market conditions.
With years of experience in the financial industry, we've assisted with a wide variety of retirement scenarios. No matter what your goals and concerns are, our mission remains the same: to help retirees on an individual basis and guide them through retirement with a trusted advisor.
Find out how much you’ll need to retire comfortably on your terms and what steps we can take to help you pursue those goals. We’ll walk you through the most important retirement decisions with confidence.
Pass your wealth to the next generation while minimizing the burden on your loved ones. We help you plan how your assets will be distributed to those you care for.
You’ve spent your lifetime building wealth. We’ll help you preserve and safeguard it by coordinating all the moving parts.
We’ll help you keep more of your hard-earned money. We’ll analyze your finances and utilize legal ways to minimize your tax obligations.
New Jersey has billions in reserves and a better credit rating—but beneath the surface are structural deficits, underfunded pensions, rising debt and institutions facing their own financial pressures. The Budget Looks Better—But the Structural Problem Remains New Jersey’s fiscal condition presents a paradox. On one hand, the state is in considerably better financial shape than […]
Keep Reading
Required Minimum Distributions, or RMDs, are designed to make sure you eventually pay taxes on money that has been sitting in a traditional IRA or retirement plan. Starting at age 73, most traditional IRA owners must take a certain amount out each year, whether they need the money or not.¹ At first, an RMD may not seem like a big problem. But what happens when the account keeps growing?
Keep Reading
When individuals think about their tax burden, they often focus on one number: federal income tax. For many households, however, the amount of income that ultimately goes toward taxes is substantially greater than the federal income tax rate they see on their tax return.
Keep Reading
I had to retire early due to family illness. I was filled with confusion and uncertainty as to what I would do to survive financially. I was recommended to Millstone Financial by a family member. After speaking with Don and Mike, I realized they had my best interest at heart. They understood my concerns and relieved my fears tackling early forced retirement!
Four years ago, we were unsure how to manage our assets to properly provide for our retirement. Since working with Don and Mike of Millstone Financial Group we are confident they have provided investment guidance and strategies that are consistent with our risk tolerance and secure long term financial security.
Prior to meeting Millstone Financial Group we had retirement investments but figured the way things were mapped out we would be working into our 70’s.Meeting Mike and Don of Millstone Financial Group changed our lives. Their approach was not to sell a specific product but to look at what we had, change what didn’t work and look at the whole picture and what our dreams were. After switching to Millstone Financial Group we could feasibly retire at 65, which we have done and we are loving it!
Prior to meeting Mike 15 years ago, I felt uneducated and unorganized with any investments or policies I had. Retirement? It wasn't even a topic for me. Because Mike took alot of time to get to know me and my wife Rae and our retirement goals, I am completely confident in Millstone Financial and the hard work of Don and Mike.
Prior to my selling of my business and my wife and I retiring, we connected with Millstone Financial Group. In the past eight years since, they had helped me work through the management of a difficult buyout, created the diversification to help mitigate current and future taxes, and set a course for retirement with a strategy that self generates the ability to live out our lives in a manner in which we grew accustomed to, while steadily increasing the principle growth.
Ready to write your own story ?
Testimonials from clients or endorsements from non-clients are solicited but not compensated for directly or indirectly. Testimonials and endorsements are completely voluntary, and no special consideration is given for such. No conflicts of interest exist between the advisor and any person providing such testimonial or endorsement.
Ready to take control of your retirement planning? Schedule a Millstone Awareness Analysis today, where we'll run a comprehensive assessment of your income distribution, tax reporting, investment gaps, and fees to help you chart the course to retirement.
Schedule your Complimentary Review