City Guide

How to Choose a Financial Advisor in TOMS RIVER, NJ

A data-driven guide based on 8 registered advisors in TOMS RIVER
01

Local Market Overview

There are 8 registered financial advisors in TOMS RIVER, New Jersey. Approximately 100% report fee-based compensation, while 13% include commission-based compensation. The average firm serving TOMS RIVER manages $152M in assets.

Registered Advisors
8
In TOMS RIVER, NJ
Avg Firm AUM
$152M
Assets under management
Top Credential
—
Community Profile

TOMS RIVER has a population of 92,827 with a median household income of $92,012. The median age is 42.3.

Advisor density: 0.9 per 10K residents
Median income: $92,012
Compensation Types Reported
Hourly charges
100% of advisors · 8 total
Percentage of AUM
100% of advisors · 8 total
Subscription fees
88% of advisors · 7 total
Other: REFERRAL FEES
25% of advisors · 2 total
Commissions
13% of advisors · 1 total
02

What to Look For

Check their credentials
The CFP (Certified Financial Planner) is the gold standard for comprehensive financial planning. A CFA (Chartered Financial Analyst) signals deep investment expertise, while a ChFC (Chartered Financial Consultant) covers insurance and estate planning.
Understand fee structures
Fee-only advisors charge only for their advice (hourly, flat fee, or % of AUM). Fee-based advisors may also earn commissions on products they sell. Commission-only advisors earn money from product sales. Fee-only is generally considered the least conflicted model. See New Jersey fee analysis →
Verify their registration
Every legitimate advisor should be registered with the SEC or their state. Check FINRA BrokerCheck for disciplinary history, disclosures, and registration status. All advisors on AdvisorOS are sourced from official SEC/FINRA registration data.
Ask about account minimums
Some advisors require $250,000 or more to open an account. Others work with any portfolio size. Ask upfront to avoid wasting time on advisors who aren't a fit.
Review their Form CRS
The Form CRS (Client Relationship Summary) is a 2-page document every advisor must provide. It explains services, fees, conflicts of interest, and disciplinary history in plain language. Ask for it before your first meeting.
03

Browse Advisors in TOMS RIVER

8 advisors in TOMS RIVER, NJ

Search the full directory of registered financial advisors in TOMS RIVER. Compare credentials, specialties, and firm details — all based on SEC and FINRA public data.

Browse TOMS RIVER AdvisorsAll Cities in New Jersey
04

Frequently Asked Questions

How many financial advisors are in TOMS RIVER, NJ?
There are 8 registered financial advisors in TOMS RIVER, New Jersey, according to SEC and FINRA registration data.
What credentials should a financial advisor in TOMS RIVER have?
Look for CFP (Certified Financial Planner) for comprehensive planning, CFA for investment management, or ChFC for insurance and estate planning.
Are financial advisors in TOMS RIVER required to be fiduciaries?
Registered Investment Advisors (RIAs) have a fiduciary duty to act in your best interest. Broker-dealers follow a suitability standard. Always ask your advisor about their fiduciary status and get it in writing.
What do financial advisors in TOMS RIVER charge?
Fees vary widely. Fee-only advisors typically charge 0.5%–1.5% of assets under management, $150–$400/hour, or flat fees of $1,000–$7,500+ per plan. Commission-based advisors may not charge fees directly but earn commissions on products.
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Browse TOMS RIVER Advisors by Specialty
Investment ManagementRetirement PlanningWealth ManagementFinancial PlanningFee-Only AdvisoryFinancial Education
More Research
What Do Financial Advisors Cost in New Jersey? →National Fee Analysis →