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Supportive Financial
Supportive Financial was founded in 2023 by Nicholas Scheibner and operates from Waldwick, New Jersey. The practice targets three specific client transitions:...
Supportive Financial
Supportive Financial was founded in 2023 by Nicholas Scheibner and operates from Waldwick, New Jersey. The practice targets three specific client transitions: the death of a spouse, the financial complexity of raising a special-needs child, and the sudden receipt of an inheritance. Rather than building a broad retail book, Scheibner built the firm around the tax and benefit cliffs that accompany these events — Required Minimum Distributions for inherited IRAs, Social Security survivor-benefit elections, and multi-generational estate planning. The firm's advisory model blends tax planning, account consolidation, and retirement-income design. For widows and widowers, Scheibner maps Social Security claiming strategies against the surviving-spouse tax bracket that follows the loss of a joint-filing status. For special-needs families, the work centers on preserving Supplemental Security Income and Medicaid eligibility while funding lifetime-care costs. For estates and inheritances, the firm guides beneficiaries through the SECURE Act's 10-year distribution rule and the interaction between inherited IRAs and the beneficiary's own required minimum distributions. The practice maintains a physical presence at 145 N Franklin Turnpike in Ramsey, New Jersey, and serves clients across the United States. Scheibner is the sole named professional, supported by an advice framework he describes as collaborative and efficiency-driven. The firm delivers client education through on-site seminars and workshops — a format that doubles as its primary client-acquisition channel for the niche audiences it serves. No separate philanthropic foundation, co-investment vehicle, or club membership is disclosed. The structure is unusually lean even for a solo practitioner — the firm behaves as a life-stage specialist embedded in a single-operator RIA, not a multi-advisor family-office platform. That narrow aperture means capacity is inherently limited, but also that every client engagement is a direct interaction with the founder, with no intermediary relationship managers. Succession risk sits entirely with Scheibner; no second-generation advisor or institutional continuity plan is publicly detailed.
General information
Firm type
Bank / Wealth / Trust
Year founded
2023
Location
Region
North America
Country
United States
City
Ramsey
Corporate office
Waldwick, NJ, United States
Additional offices
Ramsey, NJ, United States
Principals
Nicholas Scheibner
Financial Planner
Sector focus
Frequently asked questions
Who runs investment decisions at Supportive Financial?
Nicholas Scheibner operates as the sole financial planner and investment decision-maker. The firm's website presents Scheibner as the single named professional, with no investment committee or external CIO disclosed. This means portfolio construction and ongoing rebalancing rely on his individual discretion.
What specific client segments does Supportive Financial target?
The firm explicitly structures its services around three life-stage transitions: recent widows and widowers, families with special-needs dependents, and individuals navigating estates and inheritances. Its published materials focus on the tax, Social Security, and required-minimum-distribution complexities unique to these groups rather than general wealth accumulation.
How does the firm address Social Security for widowed clients?
Scheibner's process evaluates survivor benefits against the client's own retirement benefit to determine which election maximizes lifetime household income. The firm also helps time the survivor-benefit application relative to the client's earnings test and tax situation — a sequencing risk that generalist advisors often overlook.
Does Supportive Financial manage assets or only provide planning?
The firm offers both financial planning and ongoing portfolio management. Its website highlights customized investment solutions alongside tax and estate planning, indicating it operates as a registered investment adviser with discretionary management capabilities, though no AUM figure is publicly disclosed.
What is Supportive Financial's succession plan?
No public succession plan or continuity agreement is disclosed. As a practitioner-founded firm established in 2023 with a single named advisor, the business's long-term continuity is entirely dependent on Nicholas Scheibner. This is a material governance consideration for clients with multi-decade planning horizons.
Where does Supportive Financial's underlying capital and ownership originate?
The firm has not publicly disclosed the source of its founding capital or its ownership structure. It operates as a limited liability company registered in New Jersey, with Nicholas Scheibner as the sole named principal. No external investors, parent company, or family-office backing is indicated.
How does the firm charge for its services?
Supportive Financial does not publish a fee schedule on its website. As an RIA offering both planning and portfolio management, its compensation likely derives from asset-based fees, hourly or flat planning charges, or a combination of these. Prospective clients need to confirm the fee model directly with the firm.
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