Aligning Wealth
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$3,965,320
Clients
16
0% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
16
TypicalAverage account size
$247,833
About
Aligning Wealth is a small, fee-only registered investment adviser that serves individuals (including high-net-worth clients) and small businesses with integrated wealth management combining investment management and financial planning. The firm offers financial planning on ongoing, project, or hourly bases and provides Small Business CFO services as an add-on for business-owner clients, alongside group educational seminars and freelance writing engagements.
Investment management is typically discretionary and grounded in Modern Portfolio Theory, favoring passive, asset-class-based portfolios implemented with index mutual funds and ETFs while also incorporating fundamental and cyclical analysis. The firm may engage third-party outside managers (including GeoWealth and Focus Partners) for sub-advisory management and conducts ongoing oversight of those managers.
What distinguishes the firm from many of its independent peers is its explicit service set for business clients—combining portfolio management, Small Business CFO support, and exit-planning expertise—and its provision of educational seminars and writing services. The firm’s very small scale (a single-advisor practice managing under $4 million for a limited client base) means clients typically work directly with the principal, who holds CFP and CEPA credentials, and may experience a mix of direct advisory oversight and outsourced outside-manager solutions.
Client services
Financial planning
Portfolio management
Selection of other advisers
Educational seminars or workshops
Freelance writing
Expertise
Business exit / sale strategy
Business ownership considerations
Cash flow / budgeting
College savings (529s, UTMA, etc.)
General estate planning guidance
Occupation focus
Founder/Business Owner
Fee options
Project-Based Financial Planning Services typically range from $500 to $10,000; Small Business CFO Services range from $2,000 to $40,000 annually (fixed fees)
$0 - $600,000: Fixed annual fee ranging from $3,000 to $6,000 (recurring fixed fee) $600,001 - $1,000,000: 1.00% $1,000,001 - $5,000,000: 0.75% $5,000,001 - $10,000,000: 0.50% $10,000,001 - $25,000,000: 0.40% $25,000,001 - $50,000,000: 0.30% $50,000,001 - $100,000,000: 0.25% $100,000,001+: 0.20%
Hourly Financial Planning Services at $250 per hour (negotiable)
Minimum fee: Minimum annual fee of $6,000 for Wealth Management Services, may be reduced or waived Fee-only: Fee-only firm; no commissions or sales charges
Main office location
Aligning Wealth
Jersey City NJ, United States
Number of offices
1
Most active in
Aligning Wealth has reported serving >5 clients in these states in the last 12 months.
New Jersey · New York · Texas
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
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.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
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.
Forms ADV
Quick links
LinkedIn
Facebook
X
Instagram
Website
(201) 380-0215
Not sure where to start?
We'll help you think it through — whether you ultimately need an advisor or not.
Warmer helps you compare advisors clearly — so you can choose with confidence.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")