Business Details
20 Years
experience
Your Trusted Partner for Financial Advising Solutions
Since 2006, Capital Benefits has been a trusted provider of comprehensive financial services and employee benefits solutions. Our team of seasoned professionals brings decades of combined experience in group benefits, retirement planning, and insurance services for individuals and businesses. We pride ourselves on delivering personalized strategies tailored to meet the unique needs of our clients across the tri-state area and nationwide. With a foundation built on integrity, innovation, and client satisfaction, we maintain strong relationships with leading insurance carriers to ensure optimal coverage and value.Our expertise spans pension analysis, business exit strategies, special needs planning, and advanced case design through our in-house legal partnerships. We are committed to empowering clients with the tools and knowledge needed to achieve long-term financial security. Recognized by the Financial Times as a top retirement advisory firm, our team holds prestigious industry designations and consistently delivers exceptional service. Every solution we provide is rooted in a deep understanding of our clients' goals, ensuring we exceed expectations while upholding the highest standards of professionalism.
Services
Retirement Planning
Group Benefits
Life Insurance
Estate Planning
Special Needs Trust
Pension Analysis
Business Exit Strategies
Workers Compensation
Long Term Care
401(k) Review
Details
- Year established: 2006
Highlights and features
- We offer over 17 years of experience in financial services and employee benefits.
- Our team includes certified professionals with diverse industry backgrounds.
- We provide comprehensive financial solutions tailored to individual and corporate needs.
- Committed to integrity, innovation, and long-term client relationships.
- Recognized by Financial Times as top retirement advisors.
Associations and certifications
- Financial Times 401 Top Retirement Advisors
What people say
Friendly staff
Great service
Services
Retirement Planning
Our retirement planning services help clients build secure financial futures through personalized strategies. We specialize in 401(k), 403(b), and 457 plans, pension analysis, and tax-efficient withdrawal methods. With expertise dating to 2006, we ensure clients maximize savings while minimizing risks through comprehensive portfolio management and market insights.
Group Benefits
We design and implement customized group insurance programs for public and private sector employers. Our offerings include medical, dental, disability, and voluntary benefits with ongoing support for claims resolution, cost analysis, and plan optimization. Our team negotiates competitive rates while ensuring compliance with evolving regulations to protect both employers and employees.
Estate Planning
Our in-house legal team provides comprehensive estate planning services, including wills, trusts, and tax strategies. We specialize in special needs trusts, business succession planning, and advanced case design to protect assets across generations. Clients benefit from integrated legal and financial solutions tailored to their unique family and business circumstances.
Special Needs Trust
We create specialized trust arrangements to secure long-term care for individuals with disabilities without compromising government benefits. Our planners collaborate with legal experts to ensure financial resources are structured appropriately while maintaining eligibility for Medicaid and SSI programs through meticulous compliance with IRS regulations.
Business Exit Strategies
Our exit strategy consultants help business owners transition companies through sales, mergers, or family transfers. We conduct valuation analyses, develop tax-efficient structures, and coordinate with legal advisors to maximize returns. With 19 years of experience, we ensure smooth leadership transitions while preserving business value and stakeholder interests.
People
Joseph C. Ablahani
CEO/President
With 19+ years in employee benefits, Joseph leads Capital Benefits as CEO. He holds AIF, CLTC, RFC, and CPFA designations, authored '401k the Right Way,' and received MetLife's Inner Circle recognition. He manages carrier relationships and strategic growth initiatives.
Erik J. Joseph
Benefits Specialist
Erik specializes in municipal benefit programs since 2011. He manages day-to-day operations for public sector clients, holding life, health, and property-casualty licenses. Graduated from William Paterson University in 2007 with expertise in plan implementation and carrier negotiations.
Barbara Ruiz
Client Relations Manager
Barbara oversees client retention and new group implementation. She resolves claims issues, tracks benefit renewals, and maintains carrier communications. With extensive experience in account management, she ensures seamless service delivery for corporate clients across multiple industries sectors.
Donald T. Brown
Special Needs Planner
Donald brings 30+ years of expertise in special needs planning. A ChFC and ChSNC designee, he develops comprehensive financial solutions for families with disabled members. He speaks nationally on these topics and maintains active Million Dollar Roundtable membership.
Brian D. Singleton
Estate Planning Attorney
Attorney Singleton specializes in advanced estate planning and tax strategies. His practice includes trust litigation, business succession planning, and executive benefits. Admitted to New Jersey courts and the U.S. Tax Court, he provides integrated legal-financial solutions for high-net-worth clients.
Questions
What financial services do you offer?
We provide retirement planning, group benefits, estate planning, special needs trusts, and business exit strategies tailored to individual and corporate clients' needs.
Which areas do you serve?
We serve clients throughout New Jersey, New York, Pennsylvania, and nationwide with customized financial solutions.
What experience do your advisors have?
Our team has over 17 years of combined experience with specialized certifications including AIF, CLTC, RFC, and ChFC designations.
Do you work with legal professionals?
Yes, we partner with estate planning attorneys to provide integrated legal-financial solutions for complex wealth preservation needs.
