Joseph Spinelli
Joseph Spinelli is a registered investment advisor at Vision Retirement, based in Ridgewood, NJ, with 31 years of industry experience. Joseph operates on a fee-only basis, meaning they do not earn commissions from product sales. Their practice areas include Education Planning, Estate Planning, Financial Planning & Coaching, Insurance Planning, and 2 more. Their firm serves 1,119 clients with $630M in assets under management.
Compensation
Firm Size
Number of Clients
Average Client Portfolio
Assets Under Management
Fee Structure
Vision Retirement offers Fiduciary Investment Management services, where they rely on third-party intellectual property for investment allocations and strategies. They also offer Robo-Investment Management (VR Robo) through Betterment LLC, which provides automated investing with guidance from a financial advisor. The fees for Fiduciary Investment Management have a maximum of 1.25% of the dollars invested. Robo Investment Management is a fixed percentage of 0.75% of the account value.
Location
171 East Ridgewood Avenue, Suite 201, Ridgewood, NJ, 07450
Get directionsHistory
Regulatory History
No disclosures, customer disputes, or regulatory actions on file.
Disclosures include customer complaints, regulatory actions, and other events that advisors must report to the SEC. A clean record means none have been reported.
Learn about disclosures →Other Business ActivitiesSells Insurance
Joseph operates under two DBAs for his LPL business: Spinelli Financial Services and Lanza Financial Group, Inc., dedicating about half his time and nearly full-time, respectively. He also sells whole life insurance through NVI Property and Casualty, dedicating nearly full-time to this activity.
Employment History
Current Registrations
Vision Retirement
LPL Financial LLCBroker
Previous Registrations
LPL Financial LLC
Cetera Investment Advisers LLC
Cetera Financial Specialists LLCBroker
C. J. M. Planning CORP.Broker
Lincoln Investment Planning, INC.Broker
State Registrations3 states
You can work with an advisor not registered in your state. Most advisors can legally serve a small number of clients across state lines without registering.