Shore Financial Planning
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Shore Financial Planning is a fee‑only, tax‑focused advisory firm that provides personalized financial planning and investment management primarily to individual clients and families. Its services include comprehensive financial planning, ongoing wealth management, tax planning and selective tax preparation, along with non‑investment consulting on matters such as estate and insurance planning.
The firm emphasizes integrating tax considerations into portfolio construction and financial planning, using both qualitative judgment and quantitative, financial‑technology tools to tailor strategies to clients’ tax situations, risk tolerances and goals. It offers one‑time comprehensive plans and ongoing wealth management engagements that may be discretionary or non‑discretionary, with periodic reviews and event‑triggered reassessments.
Noteworthy aspects relative to peers are its fixed‑fee billing approach rather than a percentage‑of‑assets model and a stated policy of not selling insurance or accepting commissions, reflecting a fee‑only orientation. The firm also provides standalone tax preparation and may undertake flat‑fee implementation projects, and it serves a broad base of individual clients without imposing a minimum net‑worth requirement.
Client services
Expertise
Fee options
Comprehensive Financial Plan: $4,000 fixed fee (discounted to $3,000 if paid within 3 days); Non-investment consulting fees $1,000 to $100,000
Minimum fee: Comprehensive Financial Plan: $4,000 fixed fee (discounted to $3,000 if signed and paid within 72 hours); Tax Preparation: minimum $600; Non-Investment Consulting: $1,000 to $100,000 depending on complexity Fee-only: Fixed fees ranging from $5,000 to $100,000 for Wealth Management Services; Comprehensive Financial Plan fixed fee; Tax preparation fees; Non-investment consulting fees
Main office
29 Beach Road, Suite 206
Monmouth Beach NJ 07750-1363
Advisors at this office
2
Most active in
New Jersey · New York
Also doing business as
Fiduciary Retirement Services · Shore Alternative Wealth · Shore Financial Planning · Shore Financial Planning, LLC · Zero Tax Advisory
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:
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
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.
Forms ADV
Quick links
Advisors at this firm
Joe V
CFP®, CPA, PFS™
Monmouth Beach, NJ
Shore Financial Planning
Joseph Vecchio is a Certified Public Accountant (CPA) and CERTIFIED FINANCIAL PLANNER™ (CFP®) and has dedicated his professional life to the finance and accounting professions. Joe started his career in public accounting where he established a solid accounting foundation. As a full-time professional trader, he has cemented his belief in the efficient market theory and the futility behind stock-picking strategies. He has strategically forecasted and adapted to tremendous regulatory, technological and competitive pressures on a pro-active level to achieve a competitive advantage for over two decades. Joe was introduced to fee-only, tax-focused comprehensive financial planning in 2000 when he retained a fee-only financial planner for his personal finances. Joseph was enlightened by the value that it brought to his financial and personal well-being. His experience as a tax professional, financial market expert and small businessman has inspired him to serve as your personal financial bodyguard against threats, debts and the IRS. Joseph holds a Master of Business Administration (MBA) from Montclair State University. Joseph graduated Magna Cum Laude, Omicron Delta Epsilon-The International Honor Society for Economics, and Beta Gamma Sigma-The International Business Honor Society honors. On the football field, Joseph was a two-year captain for the Muhlenberg College Football Team, as well as a two year All-American football player. Joe resides in Monmouth Beach, NJ with his wonderful wife Colleen, three beautiful girls Grace, Morgan, and Riley, and three loving dogs. He enjoys striper fishing, Texas Hold-Em, college football, and caring for his saltwater reef aquarium and koi pond.
Lucas C
CFP®
Monmouth Beach, NJ
Shore Financial Planning
Lucas Carey is a CFP® professional with 16 years of industry experience. He worked at Lighthouse Financial Advisors, Inc. for 13 years before joining Shore Financial Planning. Shore Financial Planning is a fee-only, tax-focused advisory firm serving individual clients and families with personalized financial planning and investment management. The firm integrates tax considerations into portfolio construction and employs both qualitative judgment and financial-technology tools to align strategies with clients’ goals and risk tolerances.
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.
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. Advisors are independent and may not have reviewed or updated this information. Please review an advisor’s Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and introductions are provided by FinanceHQ LLC (“FHQ”), a wholly-owned subsidiary of Warmer and an SEC-registered investment advisor. We receive compensation from certain participating advisors for introductions or referrals. This creates a conflict of interest because we have an incentive to recommend advisors who compensate us, including those who pay us more. You pay no fee to use our matching service, and advisor fees are not increased because of a referral or introduction. We do not review the ongoing performance of advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to our Terms of Service and Advisory Agreement, and acknowledge our Privacy Policy. Please review FHQ’s ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. (“Warmer”)