Business Details
44 Years
experience
Your Trusted Financial Partner for Life's Journey
Founded in 1982, New Horizons Wealth Management has dedicated over four decades to helping families achieve financial confidence and enjoy life on their own terms. Our approach prioritizes holistic financial planning tailored to two key life stages: young families seeking stability and pre-retirees optimizing their financial future. As fiduciaries, we maintain independence from product providers to deliver unbiased advice, operating on a fee-based model aligned with client success. Our proprietary Enjoy More Blueprint methodology combines cash flow optimization, asset protection, and retirement planning through a four-step process refined over decades.With a team boasting over 100 combined years of industry experience, we serve clients across 35+ states while maintaining personal accountability through SEC registration and FINRA compliance. Our commitment to transparency extends to educational initiatives like the Enjoy More 30s podcast, which addresses financial literacy gaps for young families.
Services
Financial Planning
Retirement Planning
Investment Management
Insurance Solutions
Cash Flow Analysis
Details
- Year established: 1982
Highlights and features
- We operate as fiduciaries, legally required to prioritize client interests above all else
- Our proprietary Enjoy More Blueprint planning process has been refined over 40+ years
- Fee-based model ensures our success aligns directly with client portfolio performance
- Team of advisors with 100+ combined years of industry experience serving 35+ states
- Independence from product providers allows unbiased recommendations tailored to individual needs
Associations and certifications
- SEC Registered Investment Adviser
- FINRA
What people say
Personalized approach
Long-term relationships
Effective retirement planning
Transparent communication
Proactive advisors
Services
Financial Planning
Our comprehensive financial planning service creates customized roadmaps for families at different life stages. Using the Enjoy More Blueprint methodology, we analyze cash flow patterns, optimize tax strategies, and develop investment frameworks that align with personal goals. This service particularly benefits young professionals establishing financial foundations and pre-retirees preparing for sustainable retirement.
Retirement Planning
Specialized retirement planning focuses on optimizing financial security for life's next chapter. Through Backdoor BudgetingSM analysis and portfolio stress-testing, we help clients understand sustainable withdrawal rates and tax-efficient income strategies. Our approach ensures clients maintain lifestyle continuity while navigating market fluctuations and longevity risks.
Investment Management
Our investment management service combines strategic asset allocation with active risk management. As independent advisors, we curate diversified portfolios using third-party research and proprietary Buy/Hold Plus strategies. Regular performance reviews ensure alignment with evolving client objectives while maintaining cost-efficiency through competitive fee structures.
Insurance Solutions
We provide tailored insurance solutions that protect against financial vulnerabilities while complementing overall wealth strategies. Our analysis covers life, health, and long-term care coverage needs, ensuring adequate protection without unnecessary complexity. This service helps clients preserve wealth against unexpected life events.
Cash Flow Analysis
Using our patented Backdoor BudgetingSM system, we help clients understand spending patterns and optimize financial efficiency. This service identifies opportunities for debt reduction, emergency fund creation, and wealth-building allocation. Our approach transforms budgeting from restrictive tracking to strategic resource management for enhanced life enjoyment.
People
Robert Giarraffa
Founder
MBA holder with 40+ years in finance, former pharmaceutical chemist who transitioned to financial advising in 1978. Created Backdoor BudgetingSM methodology and leads portfolio management for TFS Advisory Services since 1996.
Joseph P. Okaly
Wealth Manager
CFP professional with 15+ years experience, launched Enjoy More 30s podcast in 2021. Specializes in helping young families navigate financial planning while managing Buy/Hold Plus portfolios since 2011.
Pasquale D. Recupido
Wealth Manager
Former Bank of America/Merrill Lynch advisor with CFP certification and 10+ years mortgage industry experience. Brings comprehensive understanding of real estate-related financial planning to client strategies.
Jamie Cox
Wealth Manager
TCNJ graduate with Series 65 license, transitioned from client servicing to advisory role. Focuses on millennial clients and community engagement through church-based youth programs.
Savia Giarraffa
Client Services Manager
Co-founder with NYU business education background, manages client communications and office operations. Combines organizational expertise with personal understanding of family-centered financial needs.
Questions
What makes New Horizons different from other financial advisors?
We operate as fiduciaries with a fee-based model aligned to client success, using proprietary planning methodologies developed over 40 years.
Do you work with clients outside New Jersey?
Yes, our SEC registration allows us to serve clients across 35+ states through virtual consultations and remote portfolio management.
What is the Enjoy More Blueprint™ process?
Our four-step methodology optimizes financial resources through goal setting, asset protection, clarity visualization, and ongoing support for life enjoyment.
How are investment decisions made?
Decisions combine third-party research with our Buy/Hold Plus strategies, focusing on long-term growth while maintaining risk-appropriate diversification.
Can you help with employer-sponsored retirement plans?
Yes, we analyze 401(k) and similar plans to optimize contribution strategies and investment selections within your workplace benefits framework.
What educational resources do you provide?
We offer the Enjoy More 30s podcast, Backdoor BudgetingSM analysis, and regular market commentary to enhance financial literacy for all clients.
Reviews (1)
Marilyn Priori
Jan 07, 2020
Report
The staff is wonderful to work with. They are knowledgeable, and very trustworthy! We are thankful for all they do to keep our investments secure and profitable.
