Who We Serve: Fiduciary Financial Planning in New Jersey
Doug Robb Jr. works best with pre-retirees and retirees who have $250,000+ in investable assets or $200,000+ in combined income — and who are actively looking for a fiduciary advisor.
Quick Summary
Doug Robb Jr. works with pre-retirees and retirees in New Jersey and New York who have $250,000+ in investable assets or $200,000+ in combined income and are actively seeking a fiduciary advisor. He specializes in IRA rollovers, Social Security planning, ROTH conversions, retirement income, legacy planning, and public sector retirement issues for police, firefighters, teachers, and transit workers.
Our Ideal Client Profile
Doug's ideal client is not defined by a number alone — it is defined by a mindset. You have worked hard, saved diligently, and now you want a trusted advisor who is legally obligated to put your interests first.
Markets We Specialize In
IRA Rollovers from Employer Plans
Leaving a job — whether through retirement, a career change, or early separation — triggers one of the most important financial decisions you will face. Doug guides you through the direct rollover process, preserving your tax advantages and expanding your investment options.
IRA-to-IRA Transfers
Consolidating multiple IRAs or moving to a custodian with better investment options? Doug coordinates direct IRA-to-IRA transfers — no taxes withheld, no 60-day deadline, no complications.
Age 55+ In-Service Rollovers
Still employed but want more control over your retirement savings? Many employer plans allow workers age 55 or older to roll over a portion of their 401(k) or 403(b) to an IRA while still working. Doug will determine if your plan qualifies and execute the rollover efficiently.
ROTH Conversion Strategies
The years between retirement and age 73 represent a unique tax planning window. Doug builds multi-year ROTH conversion plans that minimize your lifetime tax bill, reduce future RMDs, and create a tax-free income stream for you and your heirs.
Retirees Collecting a Pension
If you are already retired and receiving a pension, Doug helps you optimize the coordination between your pension income, Social Security, and investment withdrawals — minimizing taxes and maximizing the income you keep.
Police, Firefighters, Education & Transit
Public sector workers face unique retirement planning challenges: pension decisions, in-service rollovers, the Windfall Elimination Provision (WEP), and the Government Pension Offset (GPO). Doug has deep expertise serving New Jersey and New York public sector workers.
Professional Money Management
For clients with $250,000 or more in investable assets, Doug provides professional money management through a diversified investment strategy that includes tax-loss harvesting, rebalancing, and ongoing monitoring — all under the fiduciary standard.
Tax-Loss Harvesting
Tax-loss harvesting is the practice of selling investments that have declined in value to realize a capital loss — offsetting capital gains and up to $3,000 of ordinary income per year. Doug implements tax-loss harvesting as part of his professional money management service.
Christian Values & Faith-Based Investing
For clients whose faith informs their financial decisions, Doug offers investment strategies aligned with Christian values — avoiding companies whose business practices conflict with your beliefs while maintaining a diversified, professionally managed portfolio.
Index Universal Life for Tax-Free Income
Index Universal Life (IUL) insurance accumulates cash value linked to a stock market index with a floor that protects against market losses. Policy loans are generally income-tax-free and do not affect Social Security taxation or Medicare premium calculations.
Retirement Income Planning
Creating a reliable, tax-efficient income stream in retirement requires coordinating multiple sources: Social Security, pensions, IRAs, annuities, and investment portfolios. Doug builds retirement income plans that are designed to last your lifetime.
Legacy Planning & Qualified Charitable Distributions
QCDs allow IRA owners age 70½ or older to give up to $105,000 per year directly to charity — satisfying RMDs while excluding the amount from taxable income. Doug integrates QCDs, IRA beneficiary planning, and estate strategies into a comprehensive legacy plan.
Premium Financing for Life Insurance
Premium financing allows qualified individuals to use a bank loan to fund a large life insurance policy without liquidating existing assets. When structured properly, it can create substantial tax-free income and legacy benefits for high-net-worth clients.
Social Security Income Planning
Social Security is one of your most valuable retirement assets — and one of the most complex. The right claiming strategy can mean tens of thousands of dollars in additional lifetime income. Doug analyzes every dimension: your earnings record, spousal benefits, WEP/GPO, and tax implications.
What Type of Client Does Doug Robb Work Best With?
Doug works best with pre-retirees and retirees who have accumulated $250,000 or more in investable assets, or who earn $200,000 or more in combined household income, and who are actively looking for a fiduciary — not a salesperson. His ideal clients are people who have worked hard, saved diligently, and now want a trusted advisor who is legally obligated to put their interests first.
He has particular expertise serving public sector workers in New Jersey and New York — police officers, firefighters, teachers, and transit employees — who face unique retirement planning challenges including pension decisions, in-service rollovers, and the Windfall Elimination Provision (WEP). He also serves clients whose faith informs their financial decisions, offering values-aligned investment strategies and legacy planning tools.
Serving New Jersey and New York
Doug Robb Jr. is SEC-registered in both New Jersey and New York State, serving clients across the tri-state area — including New York City, Westchester County, and the greater metro region.
New York State
Fiduciary financial planning for NY residents
Manhattan, NY
Retirement planning for Manhattan professionals
Westchester County
NYSLRS & NYSTRS pension coordination
The Bronx, NY
NYPD, FDNY, MTA & TRS pension planning
NYC Pension Rollover
All five boroughs — NYCERS, NYPD, FDNY, TRS, MTA
Long Valley, NJ
Our home office — Morris County, NJ
Do You Fit Our Client Profile?
Schedule a complimentary 30-minute consultation to discuss your situation. If Doug is the right fit, you will leave with a clear picture of what working together looks like.