Recommendations are made to serve you—not to generate commissions.
Fee-Based Financial Planning
What Is Fee-Based Financial Planning?
Fee-based financial planning is a model where financial advisors are compensated through client fees—typically hourly, flat-rate, or percentage-based on assets under management—rather than commissions from selling financial products. This structure allows planners to offer comprehensive financial advice that aligns with your best interests, without being influenced by third-party incentives.
At its core, fee-based planning emphasizes objectivity, transparency, and a long-term partnership. Whether you are creating a retirement plan, evaluating investments, or managing your estate, a fee-based advisor helps you make informed decisions based solely on your financial goals.
Growing Your Confidence
Why Fee-Based Financial Planning Matters
In an industry where trust is essential, financial planning helps give you peace of mind. Here is why it makes a difference:
Conflict-Free Advice
Fiduciary Standard
Many fee-based advisors (including us) act as fiduciaries, legally obligated to put your interests first.
Holistic Planning
This approach looks at your full financial picture—from budgeting to retirement to tax strategy.
Transparency in Pricing
You always know how your advisor is compensated, with no hidden fees or surprise costs.
Especially in a high-cost, fast-paced region like Northern New Jersey, this clarity and objectivity can be a crucial advantage when planning your financial future.
Recently Come Into Money? Here Is How We Can Help.
Whether you have received an inheritance, sold a property or business, won a legal settlement, or earned a significant bonus, sudden wealth can raise new questions—and new stress.
At EBNY Financial, we help individuals and families in Northern New Jersey make smart, strategic decisions when life changes fast. As fee-based fiduciary planners, our job is to provide clear, objective advice that helps you:
Understand the tax implications of your new wealth
Allocate funds for short- and long-term goals
Invest wisely without pressure to buy financial products
Build a plan that reflects your personal values and lifestyle
You do not have to figure it all out alone. Let us turn your good fortune into long-term financial confidence.
Transparent Planning, Trusted Guidance
Why Partner with EBNY Financial?
At EBNY Financial, we specialize in providing fee-based financial planning to individuals and families across Northern New Jersey, including communities like Ridgewood, Paramus, Montclair, and Hackensack.
Here is what sets us apart:
Local Expertise, Personal Attention
As a Northern NJ-based firm, we understand the financial challenges and opportunities unique to this region.
Fiduciary Commitment
We act in your best interest, always.
Tailored Solutions
Your goals are not one-size-fits-all, and neither is our advice. We build plans customized to your life stage, risk tolerance, and aspirations.
Full-Service Planning
From retirement and investment planning to tax-efficient strategies and estate guidance, we are with you every step of the way.
We believe in building lasting relationships through trust, education, and results. If you are looking for a financial partner who puts your goals first, let us start a conversation.