Holistic Wealth Management and Financial Advisors in Red Bank, New Jersey
Serving High- and Ultra-High-Net-Worth Individuals, Families, and Business Owners Across Monmouth County
At Prosperity Capital Advisors, we take a coordinated approach to wealth management designed for individuals and families in Red Bank and throughout Monmouth County with multilayered financial lives. This includes high-net-worth pre-retirees and retirees, business owners, corporate executives with equity compensation, and professionals navigating complex decisions around taxes, Social Security, Medicare, and long-term care.
Comprehensive Planning for a Complex Financial Landscape
Monmouth County attracts a high concentration of professionals, executives, and business owners who have spent decades building significant wealth. Many are approaching retirement with questions that go well beyond investment allocation — questions about how to draw down income tax-efficiently, when to claim Social Security, how to protect against long-term care risk, and how to transfer wealth to the next generation in a way that reflects their values.
We work with clients across Red Bank and the surrounding communities who want each area of their financial life integrated into a single, coordinated strategy.
A Team of Retirement and Tax Subject-Matter Specialists
Our Red Bank team has specialized knowledge reflected through a variety of credentials across financial planning, tax strategy, life insurance, estate planning, and retirement income planning. Our advisors include CERTIFIED FINANCIAL PLANNER® (CFP®), Chartered Life Underwriter (CLU®), Chartered Financial Consultant (ChFC®), National Social Security Advisor (NSSA®), Chartered Financial Analyst (CFA®), Certification in Long-Term Care (CLTC®), Accredited Estate Planner (AEP®), and Bucket Plan Certified® (BPC) professionals who account for how each element of your plan affects the others.
Dave Buckwald
- CFP®, ChFC®, CLTC, CLU®, NSSA
Greg Dillon
- CFA, CFP®, CLTC, NSSA
Drew Serzan
- CLTC
Giancarlo Capodanno
- BPC, CFP®
Thad Lincoln
- CFP®, CLU®
Bob Black
- AEP, ChFC®, CLU®
Ash Ahluwalia
- CFP®, NSSA
Grant Shulman
- BPC
Greg Shulman
- CFP®, ChFC®, CLU®, NSSA, RICP®
Jeff Dattolo
- CFP®, CLU®, ChFC®, CLTC®, LUTCF®, MRFC®, NSSA®, RICP®, AEP®, AIF®
Serving High-Net-Worth Retirees and Pre-Retirees
For clients approaching or living in retirement with significant accumulated wealth, the decisions around income distribution, tax management, and legacy can meaningfully affect how long their wealth lasts and what it ultimately accomplishes.
We focus on:
- Structuring retirement income across multiple account types and sources
- Tax-efficient withdrawal sequencing and Roth conversion strategies
- Required Minimum Distribution planning to manage lifetime tax exposure
- Portfolio alignment with income needs and long-term goals
- Planning for long-term sustainability through varying market conditions
A Holistic Approach to Wealth Management
We organize your financial life through a structured framework that connects your income, assets, and long-term goals across the Five Pillars of Holistic Wealth Management.
Through coordinated planning across these areas, we help align your financial decisions today with the long-term outcomes you are working toward.
Financial Planning
A comprehensive roadmap that integrates every dimension of your financial life.
Asset Management
Investment strategies designed around your goals, timeline, and tax situation.
Tax Management
Year-round, proactive strategies to help reduce your lifetime tax burden.
Protection Planning
Thoughtful risk management to protect the wealth you’ve worked so hard to build.
Legacy Planning
Strategies to preserve, transfer, and protect what matters most for generations to come.
Specialized Financial Planning
Life Insurance and Protection Planning
Life insurance is one of the most powerful and most underutilized tools in a comprehensive financial plan. Our team brings deep expertise in advanced life insurance strategies, including their role in estate planning, business continuity, tax-efficient wealth transfer, and retirement income supplementation. We help clients evaluate their current coverage, identify gaps, and implement solutions that reflect their full financial picture.
Social Security and Medicare Planning
Social Security is one of the most consequential financial decisions a retiree will make, and it’s one of the most misunderstood. The timing of when you claim, how spousal benefits are coordinated, and how Social Security income interacts with your broader tax picture can significantly affect your lifetime income.
Our team includes a National Social Security Advisor (NSSA®) with deep expertise in Social Security strategy. We help clients navigate:
- Optimal claiming strategies for individuals and couples
- Coordination of spousal and survivor benefits
- The impact of Social Security income on Medicare premiums and taxes
- Integration of Social Security into a comprehensive retirement income plan
Medicare planning is an equally important and often-overlooked component of retirement readiness. We help clients evaluate coverage options, understand enrollment timing, and incorporate healthcare costs into their long-term financial plan.
Business Owners and Entrepreneurs
Business owners face a challenge that many financial advisors are not equipped to address: managing personal wealth while building and eventually transitioning enterprise value. We work with business owners across Monmouth County, including attorneys, CPAs, and other professionals in partnership structures at every stage.
We help clients:
- Align business and personal financial strategies
- Plan for growth, reinvestment, and cash flow management
- Prepare for succession or exit, including tax-aware transaction planning
- Address executive compensation and benefit plan design
- Coordinate business assets with long-term personal goals
Corporate Executives and Equity Compensation
For executives whose wealth is tied to employer equity through stock options, restricted stock units, deferred compensation, or performance bonuses, coordinated planning is essential. Our team brings specialized experience in equity compensation strategy and tax management to help clients optimize their benefits and integrate equity into a broader long-term plan.
We help clients navigate:
- RSUs, ISOs, NSOs, and ESPPs
- Tax-efficient exercise and vesting strategies
- Concentration risk and diversification planning
- Deferred compensation and executive benefit plans
- Retirement readiness and long-term wealth preservation
Long-Term Care Planning
An extended care event is one of the most significant financial risks facing retirees today and one of the least planned for. Our team includes professionals holding the Certification in Long-Term Care (CLTC®) designation who help clients understand their exposure, evaluate funding strategies, and build protection planning into their overall financial plan before it becomes urgent.
Serving Red Bank and Surrounding Areas
Prosperity Capital Advisors is proud to serve individuals, families, and business owners throughout Red Bank and the surrounding Monmouth County communities, including Rumson, Little Silver, Fair Haven, Shrewsbury, Holmdel, Colts Neck, and Middletown. We understand the financial complexity that comes with building and preserving significant wealth in this region, and we tailor our approach to reflect the needs of those who live and work here.
Start the Conversation
If your financial life is complex, you could benefit from a coordinated approach. Connect with the Prosperity Capital Advisors team in Red Bank to begin building a strategy designed around your full financial picture.
