De Cesare Retirement Specialists
About De Cesare Retirement Specialists
An independent, fiduciary firm built to serve one purpose: helping South Jersey families transition from work to a confident, well-funded retirement.
Steve De Cesare, CFP®
Steve De Cesare, CFP®
Founder & Lead Advisor • De Cesare Retirement Specialists
Steve De Cesare has spent more than two decades helping South Jersey families navigate the complexity of retirement planning. Based in Marlton, NJ, he built De Cesare Retirement Specialists on a simple conviction: retiring well isn't about beating the market—it's about having a plan that accounts for everything.
As a Certified Financial Planner™ professional, Steve holds one of the most rigorous credentials in the financial planning field. CFP® certification requires extensive coursework, a comprehensive examination, 6,000 hours of professional experience, and an ongoing commitment to ethics—standards that ensure every client gets advice grounded in training, not instinct.
His firm is independent. That means no product sales quotas, no wirehouse mandates, no pressure to recommend proprietary funds. Steve's compensation comes from planning fees—not commissions. His advice answers to one standard: what's best for you.
Over his career, Steve has helped clients across South Jersey tackle the full spectrum of retirement decisions: when to retire, how to draw from their accounts, how to claim Social Security without leaving money on the table, how to structure their estate so their family isn't left sorting through a mess. His specialty is bringing order to complexity—and helping clients walk into retirement clear-eyed about what they have and what's ahead.
20+ Years of Experience
Two decades serving South Jersey families
Marlton, NJ Based
Locally rooted, personally accessible
Fiduciary Advisor
Legally obligated to act in your interest
Independent Firm
No quotas. No proprietary products.
How We Think
Our firm philosophy
Retirement-Only Focus
We don't try to be everything to everyone. Our practice is built around one life stage: the transition into and through retirement. That focus means deeper expertise in the decisions that matter most when you're within 10 years of stopping work—and the discipline to say we're not the right fit for everyone.
Independence Isn't Optional
Independence means access to the full universe of solutions, not just the ones a firm profits from. We evaluate every strategy on its merits. We have no product sales targets, no proprietary funds to push, and no financial incentive to recommend one solution over another.
Written Plans, Not Verbal Promises
Every client engagement results in a written, documented retirement plan. Not a slide deck. Not talking points. A plan with numbers, scenarios, and clear guidance for how to act on it. You should be able to read your plan and understand every recommendation and the rationale behind it.
Long-Term Relationships Over Transactions
Retirement isn't a single decision—it's a 20-to-30-year arc of ongoing choices. We build relationships designed to span that arc. Scheduled reviews, proactive outreach when tax law changes affect your plan, and a standing relationship so you're not starting from scratch every time something shifts.
See if we're the right fit
The first consultation is complimentary. We'll talk through your situation, your timeline, and what a structured retirement plan would look like for you. No pressure, no sales pitch—just a candid conversation.
Schedule a Free Consultation