Choosing a financial advisor is a big decision.
To help you prepare before meeting with an advisor, here are 10 essential questions you should ask any advisor—and our answers, so you know exactly where we stand.
1. Are you a fiduciary?
We act as a Fiduciary by following the fiduciary standard – always putting our client’s best interest first.
2. How are your fees structured?
We offer transparent, flat-fee planning models based on your needs. Whether you’re looking for foundational guidance or comprehensive planning, you’ll know exactly what you’re paying for—no hidden fees or product commissions. Our advisory fees are tiered based on an assets-under-management advisory fee schedule.
3. What services do you provide beyond investment management?
We take a holistic approach to your financial life. Our services include retirement planning, tax planning strategies, estate planning, insurance reviews, charitable giving, small business retirement plans, and more. Services
4. What are your qualifications and experience?
Our team includes experienced advisors with advanced credentials, such as John Stephens, a registered representative with over 15 years in the financial services industry and David Crossan, CFP®,. Together, our team has decades of real-world planning experience. We’ve guided clients through every stage of life and market cycle. Meet Our Team
5. How will our relationship work over time?
We offer structured, proactive touchpoints—ranging from semi-annual to quarterly meetings, depending on your planning model. You’ll always have access to your advisor and planning team.
6. Do you offer customized financial plans?
Absolutely. Every plan is tailored to your goals, values, and life stage. We don’t believe in one-size-fits-all advice—your plan is built around you. Financial Planning Tiers
7. How do you make investment decisions?
We use a disciplined, research-driven approach aligned with your risk tolerance, time horizon, and objectives. We use LPL Financial as well as other 3rd party research subscriptions like Morningstar, Thomson Reuters, and the Center for Financial Research and Analysis (CFRA) to come up with a consensus. We focus on long-term strategy, not market timing
8. Will you coordinate with my CPA, attorney, or other professionals?
Yes. We regularly collaborate with your tax, legal, and lending professionals to ensure your financial strategy is cohesive and well-executed.
9. How do you adapt the plan if my life or goals change?
Your plan is a living document. Whether you experience a career change, family milestone, or market shift, we proactively adjust your strategy to keep you aligned with what matters most.
10. What makes Shoreline Wealth different?
We’re built for transparency, independence, and client-first planning. We do not use any proprietary products, so our interests are aligned. Our platforms give you the freedom to make informed decisions with a team that truly cares about your unique financial situation.
Serving Clients Throughout the Jersey Shore and Beyond
At Shoreline Wealth, we proudly support individuals, families, and retirees throughout Manchester, Manahawkin, and the greater Ocean, Monmouth, and Burlington County communities—including Holmdel, Marlboro, Toms River, Brick, Barnegat, Long Beach Island (LBI), and Little Egg Harbor Township.
Our team is committed to providing personalized guidance and long‑term financial strategies for clients across the region and wherever life takes you.