De Cesare Retirement Specialists

Our Services & Pricing

Fee-based, fiduciary retirement planning tailored to South Jersey families. We charge for our advice—not for products we sell you.

Core Planning Services

Three areas where we add the most value

Retirement Income Planning

Building a reliable paycheck for life—from your savings. We coordinate withdrawals across taxable, tax-deferred, and tax-free accounts to maximize income while minimizing what you lose to taxes and sequence-of-returns risk.

  • Sustainable withdrawal rate analysis
  • Account withdrawal sequencing
  • Roth conversion strategy
  • Required Minimum Distribution (RMD) planning
  • Pension & annuity coordination

Social Security Optimization

When and how you claim Social Security can mean tens of thousands of dollars over your lifetime. We run detailed break-even and longevity analyses to find the strategy that fits your health, income needs, and spousal situation.

  • Break-even & longevity analysis
  • Spousal and survivor benefit strategies
  • Optimal claiming age modeling
  • Coordination with pension income
  • Tax impact of benefit timing

401(k) Rollover Guidance

Leaving a job or retiring? How you move your 401(k) matters. We help you avoid costly rollover mistakes, evaluate your options, and get your assets positioned for the income strategy ahead—without triggering unnecessary taxes.

  • Direct vs. indirect rollover comparison
  • IRA consolidation strategy
  • Tax consequence analysis
  • Investment re-allocation guidance
  • Employer stock (NUA) review

How our fees work

We are a fee-based firm. That means our compensation comes from planning fees and investment management fees—not commissions on products we recommend. There are no hidden incentives to sell you something.

Fees vary based on the complexity of your situation and the scope of services engaged. We'll give you a clear, written fee disclosure before you commit to anything.

The first consultation is complimentary. No obligation. No pitch deck. Just a candid conversation about where you stand and what a structured plan could look like.

Schedule a Free Consultation

Financial Planning Fees

Flat-fee or retainer-based engagement for comprehensive retirement plan development.

Investment Management

Assets-under-management (AUM) fee for ongoing portfolio oversight and rebalancing.

No Commissions

We never accept commissions. Our advice is never influenced by product sales incentives.

Full Disclosure

Written fee schedule provided before any engagement. No surprises.

Not sure where to start?

A complimentary consultation with Steve De Cesare, CFP® takes less than an hour. You'll leave with a clear picture of your retirement readiness and the specific areas worth addressing.

Schedule Your Free Consultation
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