Castle Financial & Retirement Planning Associates Inc
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$107,441,134
Clients
146
23% high-net worth
Advisors
1
of 6 employees
Firm type
Supported
1-3 advisors or $200M+ in AUM
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
146
Very HighAverage account size
$735,898
About
The firm serves individuals, retirement plans, 401(k) plans, trusts and corporations and manages roughly $108 million for about 146 clients with a single advisor. It provides financial planning and consulting as well as discretionary and non‑discretionary portfolio management, and works with custodians such as Charles Schwab and Interactive Brokers to implement client accounts.
Investment decisions are guided by a conservative tactical asset allocation framework that combines fundamental, technical and cyclical analysis and typically uses mutual funds, ETFs, individual equities, bonds, brokered CDs and, where suitable, interval funds or crypto‑related vehicles. The advisor supplements its process with a wide array of third‑party research sources (for example, Bloomberg, Morningstar, S&P, CoinDesk) and may use AI tools in analyses and monitoring while generally exercising discretionary authority when authorized by the client.
Noteworthy distinctions for this firm include that the advisor, in their individual capacity, is a registered representative of a broker‑dealer and a licensed insurance agent and may implement recommendations on a commission basis and receive legacy trail commissions on older variable annuities—conflicts which the firm discloses. The firm also engages paid introducers/promoters and explicitly cites third‑party research and credentials (including a Certified Digital Asset Advisor designation) in its materials, practices that are less common among similarly sized supported firms.
Client services
Financial planning
Portfolio management
Pension consulting
Expertise
College savings (529s, UTMA, etc.)
Equity compensation tax strategy
Fee options
Financial planning and consulting fixed fees ranging from $500 to $2,500; initial consultation fee $100
$0 - $0: Negotiable between 0.40% and 1.50% annually based on various factors
Advisor is licensed insurance agent and registered representative who may receive commissions from insurance and securities products; no advisory fee charged on commission products except legacy variable annuities
Up to $150 per hour for financial planning and consulting services
Account minimum: $250,000 Fee-only: Investment management fees are negotiable, generally between 0.40% and 1.50% annually; Financial planning and consulting fees are fixed fees from $500 to $2,500 or hourly up to $150/hour
Main office location
Castle Financial & Retirement Planning Associates Inc
740 River Road, Suite 208 & 209
Fair Haven NJ 07704, United States
Number of offices
4
Most active in
Castle Financial & Retirement Planning Associates Inc has reported serving >5 clients in these states in the last 12 months.
Florida · New Jersey · New York · North Carolina · South Carolina · 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 active or affiliated with:
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
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