Transform Your Retirement With Us.


Let Us Help You to Countdown to Your Retirement

Young Business Colleagues

Just Getting Started

Let us help you answer your financial questions. 

Young Family

20 Years to Go

We help you develop a formal

retirement plan


40 Years to Go

Let us help you start systematic saving and protection plan

Man at Work

10 Years to Go

Determine when you want to retire and ensure  you're on track to do so

Young Couple Expecting

30 Years to Go

Continue asset growth and tax-efficient diversification of financial products

Couple Dancing

5 Years to Go

Fine tune your retirement plan

The Advantage of Starting Early

Although you may think you have plenty of time to save and retirement may seem far away, start saving as early as possible.

Even a small amount saved each month will make a big difference later, because interest can compound over time.


"I have plenty of time to save"

Although you may think you have plenty of time to save and retirement may seem far away, start saving as early as possible. Even a small amount saved each month will make a big difference later, because interest can compound over time.



We create a plan with diversified options. Diversification is critical when it comes to your retirement plan, since a diversified investment strategy can help protect against the unexpected while helping to reach your long-term financial goals. Managing risk means spreading your assets out among several types of accounts and creating income diversification within your retirement portfolio. True diversification is not just having different investments, but rather understanding the implications of each option in regards to several key factors, including:

Tax Treatment

Understanding tax-efficient strategies can help you keep more of your hard-earned retirement savings.


Having this flexibility in your portfolio can help you weather a market downturn without having to lock-in market losses at retirement.


While you may intend to retire at a certain age, other unexpected factors may cause you to spend some of your retirement funds earlier than you planned.  It’s important to include alternatives that can be easily accessed in your retirement plan.

Together we will create a retirement plan tailored to meet your individual needs and goals. With the right plan, you can enjoy retirement years and still leave a legacy for your children or grandchildren.  Sharpen your focus on saving for retirement and make it a priority.

Please note: Diversification and asset allocation does not guarantee a profit, nor do they eliminate the risk of loss of principal.


You work hard to accumulate assets to meet your retirement income needs. Even if you are on track to achieve your savings goal, there are many factors such as market volatility that can impact your retirement income. The fact is no one knows what the future holds in retirement so it is important to make sure your retirement portfolio is diversified to help reduce the impact of market volatility on your retirement income.

Here’s an example showing the impact of taking withdrawals during market volatility. This example assumes a $50,000 annual withdrawal from an investment account. The green line shows the impact of taking a withdrawal during all years, whereas the orange line shows taking withdrawals in all years except in the year following a negative market return.

It is impossible to predict the market conditions that you may face in retirement. 

This is why it is so important to work with a retirement specialist that understands the power of starting early and diversifying your retirement strategy.  Neoni Wealth Strategies has over 20 years of experience helping people and families in every stage of life prepare for retirement.  

* For illustrative purposes. All values are hypothetical. Actual results will vary.

Chart is for educational purposes only. A diversified portfolio does not guarantee a better return than a non-diversified portfolio. Please consult your personal financial and tax advisors for guidance based on your circumstances.

Source: U.S. Marginal Income Tax Rates, 1913 to 2011




Our team has over 20 years of experience working with our clients and getting them ready to retire.


Donna Rich

Chief Operating Officer

Candace Straka

Compliance, CL&R Specialist

Susana Tompkin

New Business Director



We can't wait to hear from you

210 Park Ave, Suite 101

Florham Park, 07932


Phone | (973)805-6972

Fax |  (973)540-1155


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The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.

Chris Spencer is a Registered Representative of and securities and investment advisory services offered through Hornor, Townsend & Kent, LLC (HTK), Registered Investment Adviser, Member FINRA/SIPC. 210 Park Avenue Suite 101, Florham Park, NJ 07932 (973) 538-9100. Licensed and Registered in CT, ID, NJ, NY, OR, PA, SC, VA and TX. This is not a solicitation in any state where not properly licensed.  HTK is a wholly-owned subsidiary of The Penn Mutual Life Insurance Company.  Neoni Wealth Strategies is unaffiliated with HTK, LLC. HTK does not provide legal and tax advice. Always consult a qualified tax advisor regarding your personal tax situation and a qualified legal professional for your personal estate planning situation.



Neoni Wealth


About Us



210 Park Avenue, Suite 101

Florham Park, NJ 07932

Office | (973)805-6972

Mobile| (201)755-4991

Fax |  (973)540-1155

Email | info@neoniwealth.com

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