Retirement Planning Marlton NJ | De Cesare Retirement Specialists

A retired couple sits in a Venice canal boat

Family and friends make a toast at outdoor dinner

Picture this: a retirement bursting with freedom, adventure, and peace of mind, where your years of hard work spark a life you love. We're not just an independent wealth management and retirement planning firm—we're your partners in crafting a vibrant future.

Whether you're kicking off your savings journey, ready to leap from career to retirement, or already living your best retired life, our dynamic, personalized plans light the way.

Your wealth. Your goals.

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Photo of grandparents painting outdoors with their grandson

The De Cesare difference

Unlike traditional financial advisors who take a one-size-fits-all approach, De Cesare Retirement Specialists builds deeply personal, trusted relationships that span decades.

We don't just manage your money—we become your go-to advisor for life's biggest financial decisions, taking time to understand your unique dreams, challenges, and family legacy. Our systematic, data-driven methodology combines advanced algorithms with comprehensive wealth-building strategies, but it's our personal commitment to each client that sets us apart.

As fiduciary advisors working exclusively in your best interest, we simplify complex financial concepts, solve tough challenges with clarity, and provide transparent guidance so you always understand how your money is working for you.

This isn't just retirement planning—it's a partnership designed to help you live richly, chase your dreams, and leave the legacy you envision.

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Your Dream Retirement Starts Here with De Cesare Retirement Specialists!

At De Cesare Retirement Specialists, we don't just plan for retirement—we empower you to live richly, chase your dreams, and leave a legacy. Ready to write your own success story? Let's make your future as vibrant as your aspirations!

Stage 1

Build
Wealth

Stage 2

Retirement
Planning

Stage 3

Estate
Planning

Why De Cesare?

South Jersey families trust us with their retirement. Here's why.

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Retirement-Only Specialists

Not a generalist wealth management firm. Every client we serve is planning for or living in retirement — it's all we do, and it shows.

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Independent & Fiduciary

We are legally and ethically obligated to act in your best interest — not ours. No commission-driven products. No hidden conflicts.

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CFP® Credentialed

Steve De Cesare holds the CFP® designation — the gold standard in financial planning. It requires rigorous exams, thousands of hours of experience, and ongoing ethics education.

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Serving South Jersey Families

With over 20 years helping South Jersey families retire with confidence, we know the local landscape — NJ taxes, healthcare costs, and community resources — inside and out.

Common Retirement Planning Questions

Get answers to the questions South Jersey families ask most about retirement planning.

How much do I need to retire in New Jersey?

The amount needed depends on your desired lifestyle, but most South Jersey retirees need $60,000-$100,000+ annually. This accounts for New Jersey's higher property taxes, healthcare costs, and income replacement. A personalized plan can help you determine your specific number. Schedule a consultation to discuss your retirement goals.

When should I start taking Social Security?

Social Security timing depends on your health, financial needs, and spousal benefits. Claiming at 62 gives you immediate access but reduces benefits by up to 30%. Waiting until 70 maximizes your benefit (8% per year after full retirement age). We can help you time this decision to optimize your lifetime benefits.

What is a fiduciary financial advisor?

A fiduciary is legally and ethically required to put your interests ahead of their own. Unlike many advisors who can recommend products that pay them commissions, fiduciary advisors must disclose conflicts and prioritize your goals. All advisors at De Cesare Retirement Specialists are fiduciaries.

How do I roll over my 401(k) when I retire?

You typically have four options: leave it with your former employer, roll over to a new employer's plan, roll into an IRA, or take a lump sum. Each has tax implications and pros/cons. An IRA rollover often provides more investment options and no required distributions until RMD age. We can help you navigate this decision.

What's the difference between fee-only and commission-based advisors?

Fee-only advisors charge you directly (flat fee, hourly, or percentage of assets) and don't sell products or receive commissions. Commission-based advisors earn money when you buy certain investments or insurance products. Fee-only fiduciary advisors eliminate conflicts of interest—they only profit from your success, not from selling specific products.

Do I need a retirement plan if I'm a small business owner?

Yes, especially if you want to attract employees and save on taxes. Small business retirement plans like SEP IRAs, SIMPLE IRAs, or 401(k)s offer tax advantages and potential employer matching. As a business owner, you're responsible for your own retirement funding—no employer plan means no automatic contributions. We can help you select the right plan for your business.

Can you help me if I'm already retired?

Absolutely. Many of our clients are already in retirement and need help managing their accumulated wealth, optimizing Social Security, planning Required Minimum Distributions, or adjusting their strategy for changing circumstances. We offer ongoing retirement management to ensure your plan remains on track.

What does the retirement planning process look like?

We start with a complimentary discovery conversation to understand your goals, concerns, and current situation. Then we build a comprehensive plan covering income strategy, tax optimization, Social Security timing, investment management, and estate coordination. We implement the plan together and monitor it regularly, adjusting as your life evolves.

Meet Your Advisor

Steve De Cesare, CFP®

Founder, DeCesare Retirement Specialists

With over 20 years of experience helping South Jersey families navigate retirement, Steve specializes in retirement income planning, Social Security optimization, and 401(k) rollovers. As a CFP® professional and fiduciary advisor, he builds personalized plans — not cookie-cutter solutions.

✓ CFP® Certified ✓ Fiduciary Advisor ✓ Fee-Based Planning

Request a Retirement Readiness Review

A complimentary, no-obligation conversation to see where you stand — and what's possible.

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CFP® Certified

Credential

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Fiduciary
Advisor

Your Interest First

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Fee-Based
Planning

No Commissions

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20+ Years
Experience

South Jersey

Thank you — Steve will be in touch within 24 hours.

Free Download: Your Retirement Planning Checklist

Not ready for a consultation? Download our free checklist to make sure you've covered all the important retirement planning items.

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