Advisor at Vision Retirement
Data sourced from SEC public records (and other sources when available). Some details may be added by the advisor after claiming their profile. Refreshed daily • Updated today.
Firm
Vision Retirement
Location
Ridgewood, NJ 07450
Credentials
Series 63, Series 65
Industry experience
31 years
Joseph Spinelli is a financial advisor with Vision Retirement, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His career includes roles at Cetera and LPL Financial, and he has operated Spinelli Financial Services since 1995. Vision Retirement is an SEC-registered advisory firm serving individuals and high-net-worth clients with integrated financial planning, fiduciary investment management, and retirement plan rollover guidance. The firm employs a multi-adviser team approach, combining third-party portfolio strategists, model allocations, and custodial technology with tax-aware tools and coordinated planning services.
Based on Vision Retirement
Based on Vision Retirement
Advice Membership $895, Planning Membership $2,495, VR 360 Membership $3,995 (flat fees)
Commission-based compensation for securities and insurance product sales via LPL Financial and insurance licensing
Hourly consulting fee up to $400 per hour
Monthly Subscription Service paid monthly through AdvicePay with 12-month commitment; fees vary by membership level
Account minimum: $100,000 Minimum fee: Integrated Financial Planning minimum fee of $2,500 Fee-only: Integrated Financial Planning charged as 0.10% of net worth; Advice Membership flat fee $895; Planning Membership flat fee $2,495; VR 360 Membership flat fee $3,995
171 East Ridgewood Avenue, Suite 205
Ridgewood, NJ 07450
New Jersey
The Lanza Financial Group
2024 - Present (2 years)
LPL Financial
2024 - Present (2 years)
Cetera
2006 - 2024 (18 years)
Cetera Financial Specialists LLC
2005 - 2024 (19 years)
Spinelli Financial Services
1995 - Present (31 years)
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Is active or affiliated with:
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Is not active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Bank
They're affiliated with a bank that may offer its own financial products and services.
Trust company
They provide trust and estate administration services, typically for separate fees.
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
Lawyer
They provide legal services, typically billed separately.
Real estate agent
They facilitate real estate transactions and may earn commissions.
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
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