De Cesare Retirement Specialists
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm provides portfolio management, financial planning, and general consulting to individuals as well as trusts, estates, charitable organizations, and business entities. Services are offered on a discretionary and non-discretionary basis and are generally billed as a percentage of assets under management.
Its investment approach combines quantitative and qualitative methods, including modern portfolio theory, fundamental and technical analysis, and discount cash flow techniques, and it constructs model portfolios with ongoing supervision and rebalancing. The firm uses both long- and short-term trading strategies, may employ inverse or leveraged mutual funds/ETFs and crypto-focused ETFs for clients who can tolerate higher risk, and may allocate portions of client assets to independent third‑party managers when appropriate.
Noteworthy distinctions include a licensed insurance agent affiliation: the principal sells insurance products and receives commission compensation separate from advisory fees, a conflict the firm discloses. The firm also manages approximately $38.1 million in client assets and offers direct advisory account access through American Funds’ advisory share class, practices that, together with its use of leveraged/inverse instruments and crypto ETFs, make its service mix less typical among independent advisers of its size.
Client services
Expertise
Fee options
Fixed fees for financial planning services: $2,000 to $3,000 depending on investable assets
$0 - $500,000: 1.35% annually $500,001 - $1,000,000: 1.20% annually $1,000,001 - $2,000,000: 1.05% annually $2,000,001 - $5,000,000: 0.90% annually $5,000,001 - $10,000,000: 0.75% annually
Commission-based compensation for insurance products sold by licensed insurance agents affiliated with the firm
$375.00 per hour for financial planning and consulting services
Account minimum: $250,000 Fee-only: Hourly fee of $375.00 for financial planning and consulting services; Fixed fees for financial planning: $2,000 up to $500,000 in investable assets, $2,500 up to $1,000,000 in investable assets, $3,000 over $1,000,000 in investable assets
Main office
One Greentree Centre, 10,000 Lincoln Drive East, Ste 201
Marlton NJ 08053
Advisors at this office
1
Most active in
New Jersey · Pennsylvania
Also doing business as
De Cesare Retirement Specialists · Decesare Retirement Specialists · Independence Financial Group, LLC · Steve Decesare Ltd
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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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.
Forms ADV
Quick links
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