Ranked #1 in Fords
Based in Woodbridge, 2 mi away
68/100RFA Score
Ranked #1 because of its Google rating and specialty focus: 4.7★ from 15 Google reviews, listed on Google as “Financial consultant”.
Retirement Planners in Fords, NJ: 2026 rankings
8 retirement planners ranked by RFA ScoreUpdated 0 paid placements in this rankingHow we rank →
The short answer
- 1
Highest RFA Score in Fords: Stephen Scafidi, Retirement Planning Specialist, Equitable Advisors, LLC, RFA Score 68/100; 4.7★ from 15 Google reviews.
- 2
Most-reviewed: Fairbridge Retirement Solutions LLC & Fairbridge Capital Management, 50 Google reviews at 5.0★, the most of 8 ranked; ranked #2.
Rankings can't be bought. Financial advisors can't pay to change their rank or score. How we rank
8 Fords retirement planners are ranked here by RFA Score, from eight published factors. 1 open Saturdays and 1 open Sundays, based on posted hours. The median Google rating is 5.0★ across 8 rated firms.
Top 8 retirement planners in Fords at a glance
Ranked by RFA Score from public data such as Google reviews, not by investment performance; sponsored listings are paid, shown separately and never change rank.
| Rank | Business | RFA Score | Google rating | Based in | Hours | Notable for |
|---|---|---|---|---|---|---|
| 1 | Stephen Scafidi, Retirement Planning Specialist, Equitable Advisors, LLC | 68 | 4.7★ (15) | Woodbridge, 2 mi away | — | Top score |
| 2 | Fairbridge Retirement Solutions LLC & Fairbridge Capital Management | 68 | 5.0★ (50) | Hanover, 21 mi away | — | Most reviews |
| 3 | Fed RP - Federal Employee Retirement Planning | 66 | 5.0★ (13) | East Brunswick, 9 mi away | Sat · Sun · Evenings | — |
| 4 | Zynergy Retirement Planning | 65 | 4.8★ (21) | Red Bank, 17 mi away | — | — |
| 5 | Damian Sylvia, Retirement Income Solutions | 63 | 4.9★ (19) | Eatontown, 25 mi away | — | — |
| 6 | Cortburg Retirement Advisors | 63 | 5.0★ (17) | North Bergen, 25 mi away | — | — |
| 7 | Strategic Retirement Solutions | 61 | 5.0★ (8) | Warren Township, 22 mi away | — | — |
| 8 | Prime Pensions Retirement Plan Admistrator, Inc. | 59 | 3.0★ (4) | Florham Park, 18 mi away | — | — |
All 8 retirement planners in Fords, in rank order
Ordered by RFA Score, a 0–100 score from eight published factors. Paid placement never changes the order.
Ranked by RFA Score from public data such as Google reviews, not by investment performance; sponsored listings are paid, shown separately and never change rank.
Scores below: based on 6 of 8 factors; registration and recency not yet collected. Hatched segments mark factors we don't have yet.
Based in Hanover, 21 mi away
68/100RFA ScoreRanked #2 because of its Google rating and specialty focus: 5.0★ from 50 Google reviews, listed on Google as “Financial planner”.
Based in East Brunswick, 9 mi away
66/100RFA ScoreRanked #3 because of its Google rating and specialty focus: 5.0★ from 13 Google reviews, listed on Google as “Financial planner”.
Based in Red Bank, 17 mi away
65/100RFA ScoreRanked #4 because of its Google rating and specialty focus: 4.8★ from 21 Google reviews, listed on Google as “Financial planner”.
Based in Eatontown, 25 mi away
63/100RFA ScoreRanked #5 because of its Google rating and specialty focus: 4.9★ from 19 Google reviews, listed on Google as “Financial consultant”.
Based in North Bergen, 25 mi away
63/100RFA ScoreRanked #6 because of its Google rating and specialty focus: 5.0★ from 17 Google reviews, listed on Google as “Financial planner”.
Based in Warren Township, 22 mi away
61/100RFA ScoreRanked #7 because of its Google rating and specialty focus: 5.0★ from 8 Google reviews, listed on Google as “Financial planner”.
Based in Florham Park, 18 mi away
59/100RFA ScoreRanked #8 because of its Google rating and specialty focus: 3.0★ from 4 Google reviews, listed on Google as “Financial planner”.
How we ranked Fords retirement planners
We scored 8 Fords retirement planners on eight factors, weighted as shown. A firm is ranked when its specialty is confirmed and it has 3 or more Google reviews or a claimed profile. A firm with no Google reviews scores zero on rating, review volume and recency. Other unknown factors are left out, not counted as zero. Scores last refreshed November 9, 2026.
Paid placement never changes a rank or score. Sponsored businesses are paid, labelled, limited to 3 and shown above the ranking, outside it.
| Factor | Weight | Computed from | In Fords data |
|---|---|---|---|
| Reputation | 30% | Google star rating, adjusted for how many reviews back it (client experience, not investment results) | Measured |
| Registration | 20% | Active SEC, state or Canadian securities registration matched in public records (not yet measured) | Not yet collected |
| Review volume | 10% | Number of Google reviews, compared with the most-reviewed firm on the list | Measured |
| Recency | 5% | Share of reviews from the last 12 months | Not yet collected |
| Specialty focus | 15% | How clearly the firm offers this specialty (its Google category and name) | Measured |
| Proximity | 5% | Based in the city scores highest, less the farther away it is | Measured |
| Claimed profile | 10% | The firm has claimed its Ranked Financial Advisors profile (free or paid earn the same) | Measured |
| Partnered | 5% | The firm links to Ranked Financial Advisors from its own website with our badge, checked periodically | Measured |
How to choose a retirement planner
- Confirm the retirement planner and the firm are registered: Investor.gov and FINRA BrokerCheck in the US, the CSA National Registration Search in Canada. Read any disclosure events.
- Ask whether they act as a fiduciary on your account at all times, and get the answer in writing.
- Ask how they are paid: a percentage of assets, flat or hourly fees, a retainer, commissions, or a mix. Each creates different conflicts of interest.
- Read the firm’s Form CRS and Form ADV Part 2A brochure (fees, services, conflicts, disciplinary history) before you sign.
- Check designations with the body that grants them, such as the CFP Board for CFP® professionals.
- Ask about account minimums and who holds your money: your assets should sit with an independent custodian in your name.
- Compare at least two or three firms, and be wary of anyone who promises returns or pushes you to decide quickly.
Questions to ask a retirement planner
- Are you a fiduciary for all of the advice you give me, and will you put that in writing?
- How are you paid, in total dollars per year for an account like mine? Do you earn commissions or other payments from product providers?
- Which registrations and designations do you hold, and where can I verify them?
- Who will hold my assets, and how will I see statements directly from that custodian?
- What services are included in your fee, and what would cost extra with you as my retirement planner?
- Do you have a minimum account size or minimum fee?
- Have you or your firm had any complaints or disciplinary actions? Where would I see them?
- How often will we meet, and who will I work with day to day?
- What happens to my plan or accounts if you retire or leave the firm?
Terms explained
- Fiduciary
- Someone legally required to act in a client’s interest. In the US, registered investment advisers owe their clients a fiduciary duty of care and loyalty under the Investment Advisers Act of 1940.
- Registered investment adviser (RIA)
- A firm registered with the SEC or a state securities regulator to give investment advice for pay. Most firms managing $100 million or more register with the SEC; smaller firms usually register with their state.
- Investment adviser representative (IAR)
- A person who gives advice on behalf of a registered investment adviser, usually registered with the states where they work.
- Broker-dealer
- A firm that buys and sells securities for customers. US broker-dealers are members of FINRA; their registered representatives typically earn commissions.
- Regulation Best Interest (Reg BI)
- The SEC rule, in force since June 30, 2020, requiring broker-dealers to act in a retail customer’s best interest when recommending a security or account type.
- Form ADV
- The registration form every investment adviser files. Part 1 holds facts about the firm; Part 2A, the brochure, describes services, fees, conflicts of interest and disciplinary history in plain English.
- Form CRS
- A short relationship summary that advisers and broker-dealers give retail investors, covering services, fees, conflicts, standard of conduct and disciplinary history.
- CRD number
- The Central Registration Depository number FINRA and the SEC assign to each firm and registered person; use it to look them up on Investor.gov or BrokerCheck.
- Assets under management (AUM) fee
- A yearly fee set as a percentage of the money an advisor manages for you. Advisor surveys have put the median around 1% on accounts up to $1 million, lower on larger accounts.
- Fee-only
- An advisor paid only by clients, with no commissions or other payments from product providers.
- Fee-based
- An advisor who charges client fees and may also earn commissions on some products. It is not the same as fee-only.
- CFP® professional
- A person certified by the CFP Board after meeting education, exam, experience and ethics requirements. The CFP Board requires them to act as a fiduciary when giving financial advice.
Retirement planners in Fords: frequently asked questions
Which retirement planner has the highest RFA Score in Fords?
By RFA Score, the highest-ranked retirement planner in Fords, NJ is Stephen Scafidi, Retirement Planning Specialist, Equitable Advisors, LLC with an RFA Score of 68/100. It has 4.7★ from 15 Google reviews. Fairbridge Retirement Solutions LLC & Fairbridge Capital Management (#2) and Fed RP - Federal Employee Retirement Planning (#3) follow. We ranked 8 retirement planners on eight factors, last updated November 9, 2026.
Which retirement planners in Fords work on weekends?
1 of 8 ranked retirement planners post Saturday hours and 1 post Sunday hours. The highest-ranked open Saturdays is Fed RP - Federal Employee Retirement Planning (#3). Many advisors meet by appointment, including evenings or by video, outside their posted office hours.
What Google rating do Fords retirement planners have?
The median Google rating among 8 rated retirement planners in Fords is 5.0★, with a median of 16 reviews. Fairbridge Retirement Solutions LLC & Fairbridge Capital Management has the most, 50 reviews, and ranks #2. We adjust ratings for review count, so a few five-star reviews cannot top the list.
How does RankedFinancialAdvisors rank retirement planners?
Each retirement planner gets a 0–100 RFA Score from eight published factors, led by reputation (30%), specialty focus (15%), review volume (10%) and claimed profile (10%). A firm with no Google reviews scores zero on rating, review volume and recency; other factors we cannot measure are left out. Only firms with a confirmed specialty and 3 or more reviews, or a claimed profile, are ranked.
Do retirement planners outside Fords count in this ranking?
Yes, if they are within 25 mi of the Fords city center, our service radius for retirement planners. Each listing shows where the firm is based and how far away it is. Proximity is 5% of the RFA Score, so a nearby firm gets a small edge.
Can retirement planners pay to rank higher on RankedFinancialAdvisors?
No. The RFA Score never reads payment status, and this ranking has 0 paid placements. Up to 3 Featured firms may appear above the list, labelled Sponsored and showing their honest rank.
What does a retirement planner do?
Retirement planners focus on saving for retirement and turning savings into income: account choices, Social Security or CPP timing, withdrawal order, pensions and taxes in retirement. Some also advise employers on workplace retirement plans.
How are retirement planners in Fords ranked?
By RFA Score: public signals such as the Google rating and review count, how clearly the firm offers retirement planning and how close it is. Paid placements never change the order, and the score does not measure investment performance.
How do I check a retirement planner’s registration and record?
Search the person and the firm on Investor.gov (the SEC’s adviser search) and on FINRA BrokerCheck. A firm’s Form ADV and any disciplinary history are public there.
Is every retirement planner in Fords a fiduciary?
Not necessarily. Investment adviser representatives owe a fiduciary duty on advisory accounts; broker-dealer representatives follow Regulation Best Interest when they recommend a security. Ask which applies to your account and read the firm’s Form CRS.
How much do retirement planners charge?
Fees depend on the firm and the service: a percentage of assets managed each year, a flat or hourly planning fee, a retainer, or commissions. Ask for the fee schedule in writing and read the firm’s Form ADV Part 2A brochure or, in Canada, its relationship disclosure.
Update log for Fords
- November 2026: RFA Scores recalculated for 8 retirement planners serving Fords.
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