Serving Monmouth County, New Jersey
A fee-only fiduciary financial advisor serving Monmouth County
VCP Financial is an independent, fee-only registered investment advisor serving Monmouth County — Holmdel, Middletown, Rumson, Colts Neck, Manalapan, and the shore towns — from our office just over the Outerbridge in Staten Island, or entirely virtually.
As fiduciaries, we are legally obligated to act in our clients’ best interest. We earn no commissions and sell no products; our only compensation is the advisory fee our clients pay us directly.
Who we work with in Monmouth County
- Manhattan commuters — by ferry from the Highlands or rail — with NYC compensation and NJ residency
- Retirees and near-retirees along the shore focused on income and capital preservation
- Business owners and professionals building wealth outside their companies
- Families who moved from Staten Island and the boroughs and kept their advisor questions
Planning notes for Monmouth County investors
Monmouth County concentrates a particular profile: high earners commuting into Manhattan, often with bonuses and equity compensation that build wealth quickly — and concentrate risk just as quickly. We help manage that deliberately: diversifying employer stock on a sensible schedule, building the core portfolio around durable, quality businesses, and keeping the whole plan steady through market cycles.
For retirees at the shore, the work is income you can rely on: structuring the portfolio so downturns don’t force bad selling, and sequencing withdrawals sensibly — where New Jersey’s own treatment of retirement income (different from New York’s) becomes one more input we plan around, in coordination with your accountant.
Tax rules depend on your specific circumstances and change over time; nothing here is tax advice. We coordinate with your accountant on state tax specifics.
Our office
2535 Victory Blvd
Staten Island, NY 10314
In-person or fully virtual — your choice.
Monday – Friday, 9:00 AM – 6:00 PM
Common questions
How far is your office from Monmouth County?
About 30–45 minutes from most of the county via the Outerbridge Crossing — and no distance at all virtually, which is how many Monmouth clients prefer to meet.
What does "fee-only" mean?
Fee-only means our only compensation is the advisory fee paid directly by clients. We earn no commissions, no referral fees, and no product-based compensation, which removes a major conflict of interest common elsewhere in the industry.
What is your account minimum?
We typically work with clients who have $1,000,000 or more in investable assets. In certain circumstances, we may accept smaller accounts at our discretion.
How do I get started?
With a conversation — no pitch, no obligation. We discuss your circumstances, explain our approach and fees, and both decide whether the fit is right before anything else happens.
Talk with a fiduciary — no pitch, no obligation.
An initial conversation covers your circumstances, our approach, and our fees — and whether the fit is right, before anything else.
Start the conversationThis page is for informational purposes only and does not constitute investment, tax, or legal advice, an offer of advisory services, or a solicitation. VCP Financial provides advisory services only to clients under a written advisory agreement. For complete information about our services, fees, and potential conflicts of interest, please review our Form ADV Part 2A.