Helping Middletown Families Prepare for Retirement
Middletown is full of established professionals, business owners, and long-time homeowners who are starting to think more seriously about what’s next. Maybe you’re planning to retire in the next 5–10 years, or you’re already in that transition.
You might be asking:
When should I start taking Social Security?
Will my retirement savings last?
What’s the tax impact of my RMDs?
How do I protect my spouse or kids if something happens?
Can I stay in my home—or should I consider downsizing?
We help you answer those questions and build a plan that balances income, investments, tax strategy, and long-term goals.
Why Middletown Residents Work With Us
Middletown is one of the largest towns in Monmouth County, with a wide range of professionals nearing retirement. It’s known for great schools, commuter access to NYC, and strong home values. But with those benefits come financial complexity—especially for families navigating retirement and legacy planning.
Clients in Middletown often come to us looking for:
A steady, tax-smart income plan in retirement
Coordination of Social Security, pensions, and investment withdrawals
Support with Medicare, long-term care planning, and healthcare costs
Guidance on transferring wealth or family property to the next generation
Confidence that they’re not missing anything critical
Retirement Planning Services We Offer
We work with you to design a customized plan that brings clarity to your next chapter:
Retirement Income Planning – Know what your paycheck replacement plan looks like
Advanced Time Segmentation – Align your investments to your retirement timeline
Tax-Efficient Withdrawal Strategies – Coordinate RMDs, Social Security, and taxes
Long-Term Care Planning – Understand your options and costs before they become urgent
Legacy & Estate Planning – Make it easier for your family when the time comes
Eric Stiles, CFP®
Financial Advisor
Eric@MaleckiFinancialGroup.com
Series 7, Series 66 Registrations | Life Insurance License: NJ Eric is a dedicated CERTIFIED FINANCIAL PLANNER™ professional specializing in comprehensive wealth building strategies for affluent young families in Monmouth County, NJ...
Stan Malecki, AIF®, CEPA®
President / Regional Director
Stan@MaleckiFinancialGroup.com
Stan J. Malecki, AIF®, CEPA® is a seasoned financial professional with nearly 30 years of experience, specializing in strategic exit planning for business owners, investment and wealth management, retirement planning, 401(k) rollovers...