Garden State Retirement Specialists, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Garden State Retirement Specialists serves individual clients—including both non‑high‑net‑worth and high‑net‑worth individuals—with retirement‑focused investment management and financial planning. The firm offers discretionary and non‑discretionary portfolio management, standalone financial planning/consulting, and implements strategies through third‑party wrap and managed‑account programs.
Investment decisions are guided by risk‑tolerance questionnaires and asset‑allocation modeling, and are implemented via program‑based offerings such as advisor‑managed portfolios, model portfolios, SMA and UMA solutions administered through a program sponsor and custodial platforms. Portfolios may include mutual funds (including Dimensional Fund Advisors funds), ETFs, equities and fixed income; the firm does not exercise discretionary authority to purchase cryptocurrencies without a client’s explicit authorization.
Noteworthy for a firm of its size, Garden State participates as a recommending or participating adviser in unaffiliated wrap fee and managed‑account programs rather than solely relying on proprietary in‑house programs. The firm also discloses affiliations with a broker‑dealer network and an affiliated insurance entity and that certain representatives may sell commission products or receive production‑linked economic benefits, which the brochure identifies as potential conflicts of interest.
Client services
Expertise
Fee options
Financial planning and consulting fixed fees generally range from $500 to $5,000
$0 - $499,999: 2.20% annually (Wrap Account) $500,000 - $999,999: 1.75% annually (Wrap Account) $1,000,000 - $2,499,999: 1.50% annually (Wrap Account) $2,500,000+: 1.25% annually (Wrap Account) $0 - $499,999: 1.95% annually (Non-Wrap Account) $500,000 - $999,999: 1.50% annually (Non-Wrap Account) $1,000,000 - $2,499,999: 1.25% annually (Non-Wrap Account) $2,500,000+: 1.00% annually (Non-Wrap Account)
Clients may purchase commission-based products via firm representatives through Osaic broker-dealer; commissions charged by Osaic vary.
Approximately $400 per hour for financial planning and consulting services
Account minimum: $5,500 Fee-only: Fixed fees generally range from $500 to $5,000 (financial planning and consulting) and $400 per hour (hourly rate)
Main office
27 West Street, Suite 16, Wall Street Corporate Center
Red Bank NJ 07701
Advisors at this office
2
Most active in
Florida · New Jersey · New York
Also doing business as
Aj Investment Advisors, LLC · Garden State Retirement Specialists, LLC · Navesink Capital Management, LLC
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.
Advisors at this firm
Anthony S
Series 63, Series 65
Red Bank, NJ
Garden State Retirement Specialists, LLC
Anthony Scibetta is a financial advisor with Garden State Retirement Specialists, LLC, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has worked at Garden State Retirement Specialists since 1999 and previously spent 14 years at Sagepoint Financial, Inc. Outside of his advisory roles, he is a partner in a separate business that owns and rents office space in Red Bank, NJ. Garden State Retirement Specialists serves individual clients with retirement-focused investment management and financial planning, utilizing both discretionary and non-discretionary portfolio management strategies. The firm employs risk-tolerance assessments and asset-allocation modeling and offers access to program-based portfolios, including third-party wrap and managed-account programs.
Joseph S
Series 63, Series 65
Red Bank, NJ
Garden State Retirement Specialists, LLC
Joseph Scibetta is a financial advisor with Garden State Retirement Specialists, LLC, holding Series 63 and Series 65 credentials and possessing 11 years of industry experience. His prior work includes roles at Osaic Wealth, Inc. and Sagepoint Financial. In addition to his advisory work, he serves as a general agent for Elite Brokerage Group, selling fixed life and fixed annuities to clients. Garden State Retirement Specialists serves individual clients with retirement-focused investment management and financial planning, utilizing risk-tolerance questionnaires and asset-allocation modeling to guide investment decisions. The firm offers various program-based portfolio options, including mutual funds, ETFs, equities, and fixed income, and participates in unaffiliated wrap fee and managed-account programs.
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