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Green Ridge Wealth Planning
Lisa DeRosa established Green Ridge Wealth Planning in 2016, anchoring the firm in Montville, New Jersey as a registered investment adviser. The practice...
Green Ridge Wealth Planning
Lisa DeRosa established Green Ridge Wealth Planning in 2016, anchoring the firm in Montville, New Jersey as a registered investment adviser. The practice serves individuals, high-net-worth households, and retirement plans, operating squarely within the fiduciary RIA tradition. Rather than fielding proprietary products, the firm structures itself around fee-only financial planning and discretionary portfolio management, a model that keeps its incentives aligned with client outcomes in a state dense with competing wirehouse teams. Green Ridge's investment architecture spans equities, fixed income, and pooled vehicles such as mutual funds and ETFs, with allocations tailored to client-specific goals rather than a centralized model portfolio. The firm constructs and rebalances taxable and tax-deferred accounts, integrating cash-flow planning, retirement-income projections, and insurance analysis into its asset-management recommendations. The geographic footprint concentrates on Northern New Jersey, drawing clients from Morris County and the surrounding commuter corridors, though the firm's registration permits it to advise residents across multiple states. The team is deliberately lean — consistent with advice-only RIAs that prioritize planning over asset-gathering scale — and does not currently operate satellite offices. Green Ridge's business-development path leans on professional referrals rather than digital acquisition, a model typical of suburban RIA practices built around a single lead advisor. The firm advises both individual retirement accounts and employer-sponsored pension and profit-sharing plans, a dual focus that gives it exposure to retirement-plan committee governance alongside retail wealth management. The structural differentiator is straightforward but genuine: Green Ridge is an owner-operated, planning-led RIA of the kind that regulatory tailwinds and consumer preference have steadily favored over commission-based brokerage models. In a region still served by large bank-affiliated advisors, its independence allows it to act as an unconflicted fiduciary — a status that carries tangible weight when competing for rollover IRAs and consolidated household relationships in New Jersey's suburban wealth pockets.
General information
Firm type
RIA
Year founded
2016
AUM
Undisclosed
Location
Region
North America
Country
United States
City
Montville
Corporate office
Montville, NJ, United States
Sector focus
Frequently asked questions
Is Green Ridge Wealth Planning set up as a fiduciary?
Yes. As a registered investment adviser, the firm operates under a fiduciary standard, meaning it is legally obligated to put client interests ahead of its own. This contrasts with broker-dealer suitability standards still common in Northern New Jersey's wirehouse offices. The firm's Form ADV, filed with the SEC, confirms its fee-only, non-commission compensation structure.
What does the firm's typical client relationship look like?
The firm's public filings indicate it works with individuals, high-net-worth individuals, and pension or profit-sharing plans. A typical engagement likely combines financial planning with discretionary portfolio management, where Green Ridge constructs and manages a diversified allocation of equities, fixed income, and pooled investments. The planning component typically extends into cash-flow modeling, retirement-income strategies, and insurance-needs analysis.
Does Green Ridge Wealth Planning use proprietary funds?
Based on the firm's structure as an independent fee-only RIA, it does not manufacture proprietary mutual funds, ETFs, or alternative products. Client portfolios are built from third-party securities — primarily individual stocks and bonds, alongside mutual funds and ETFs selected on the open market. This unbundled approach differentiates it from New Jersey-based wirehouse teams that may face incentives tied to affiliated asset-management arms.
Who makes the investment decisions at Green Ridge Wealth Planning?
Investment and planning decisions are led by Lisa DeRosa, the firm's founder and the investment adviser representative listed on the practice's Form ADV. As a solo-practitioner or small-team RIA, Green Ridge does not operate an institutional investment committee with separate CIO oversight. Portfolio construction and manager selection are integrated into the principal's direct client-facing role, a governance model common among advice-led independent practices.
Does the firm manage retirement plan assets or only individual accounts?
Green Ridge advises both. Its regulatory disclosures name pension and profit-sharing plans alongside individual and high-net-worth clients, indicating the firm serves as an adviser to employer-sponsored retirement plans. This means the practice likely handles 401(k) or profit-sharing plan governance, investment-menu construction, and participant education for a small number of local plan sponsors in addition to its private-wealth work.
Profile maintained by Altss using OSINT (open-source intelligence), regulatory filings, licensed data partners, and verified direct submissions. Read the methodology. Last updated: . Continuous refresh with full update cycles at least every 30 days.
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