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Your Financial Anchor

Shoreline Wealth Management brings together financial advisors David Crossan and John Stephens with 40+ years of collective experience in financial planning and investment management. We’ve seen time and again the power of education; by explaining complex topics in simple terms, allowing our clients to grasp their money’s potential. It is essential to understand how a customized investment approach can help align their personal aspirations and financial goals. During a crisis, a Robo Advisor or computer application will not provide a buffer between a client’s emotions and their investments.

At Shoreline Wealth, we act as our clients’ guide, walking alongside them on the path to help provide stability, trust, and even a shoulder to lean on at times.

Shoreline Wealth Management acts as a fiduciary by putting your interests first while specializing in retirement, financial, and wealth planning. Rooted in Manchester and Manahawkin, we proudly support clients from Ocean, Monmouth, and Burlington counties—spanning communities such as Colts Neck, Holmdel, Toms River, Brick, Barnegat, LBI, Medford, and Marlton—who value long‑term guidance and multigenerational planning. We also serve clients located in the greater New Jersey area and surrounding states.

Our advisors hold professional credentials and combine evidence‑based investment practices with local knowledge of New Jersey tax and retirement issues. We prioritize transparent fees, documented recommendations, and collaborative planning with your CPA and estate attorney. Our dual offices make in‑person meetings convenient, while our virtual capabilities support clients across the state. 

Our first priority is helping you take care of yourself and your family. We want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of my foundation of success.

We chose the Shoreline Wealth Management name because the shore represents our community. It's where we grew up and a place where many of our clients call home. The shore represents a calmness, a lifestyle, and a sense of community — all things important to us, our clients, and our firm. Shoreline Wealth Management serves as our clients’ financial anchor.


At Shoreline Wealth Management, we cater to, not only wealthy, but also to the hard-working American that just needs some guidance on navigating to and through retirement. Our team is committed to creating comfort and stability for our clients through education and by understanding who they are as people. We communicate without jargon. We get to know you. We develop and tailor your financial plan, so you feel confident in reaching your goals.

Investment Management

Our investment management service blends evidence‑based portfolio construction, disciplined rebalancing, and ongoing risk management. We design portfolios aligned with your objectives, time horizon, and tax situation, then monitor and adjust as life and markets change. Services include asset allocation, tax‑aware strategies, portfolio reporting, and coordinated implementation across retirement and taxable accounts. We explain recommendations in plain language and provide regular performance reviews at our Manahawkin and Manchester offices.

Comprehensive Financial Planning

Shoreline Wealth provides integrated financial planning that covers cash flow, tax planning, education funding, insurance review, and legacy strategies. We create practical, prioritized plans that reflect New Jersey rules and local cost‑of‑living realities. Our process includes a discovery meeting, scenario modeling, a written plan with recommended actions, and ongoing monitoring. We coordinate with your tax and legal advisors to ensure plans are actionable and aligned with your long‑term goals.