Chirag Surti PhD

Hourly Fee-Based Financial Advice

CNIV Financial Planning offers expert financial advice and planning services to individuals and families across New Jersey and beyond. Our fee-based approach ensures unbiased advice that puts your best interests first. Contact us today to achieve financial freedom and security.

Fiduciary advice for
diy investor

CNIV Financial Planning provides fiduciary advice as an hourly, fee-only financial adviser and planner. Based in New Jersey, we specialize in comprehensive financial planning, retirement income planning, investment management, educational planning, insurance planning, taxes, and estate planning to help you achieve lasting financial security.

01.

Comprehensive Financial Planning

We offer comprehensive guidance to help individuals and families achieve their financial goals. They assess your financial situation, develop a strategic plan for savings and investment, and provide guidance on retirement, college tuition, estate planning, budgeting, debt management, tax planning, insurance and more. By tailoring plans to clients’ unique goals and needs, financial planners help people make informed decisions to create a secure and comfortable financial future.

02.

Investments & Benefits Review

One of the cornerstones of a comprehensive financial plan is to know where and how to invest effectively. We provide you with a list of low-cost investment products, teach you how to manage your investments, provide a benefits review and help you with retirement planning. We provide you with the plan and the knowledge to help you make informed decisions and grow your wealth.

03.

Educational Funding & Planning

Planning for your child’s education is crucial and there are tools available for financing it. Start early and take advantage of resources such as 529 savings plans and FAFSA. With careful planning and financial management, you can help your child achieve their educational goals.

04.

Insurance Needs & Review

Having the right insurance is essential to protect yourself, your loved ones, and your property. But with so many options available, it can be hard to know where to start. At our firm, we review life, P&C, and health insurance policies without bias. We’ll help you find the coverage you need to protect what matters most.

05.

Taxes & Estate

We understand that taxes and estate planning can be overwhelming and confusing for many people, which is why we take the time to carefully go over all of your information in order to identify potential issues and offer effective solutions. Whether you need help with tax preparation, estate administration, or anything in between, we are committed to providing you with the guidance and support you need to achieve your goals.

06.

Seminars & Workshops

We also conduct seminars and workshops for businesses large and small on various financial planning topics. These seminars and workshops can be in person or online. Contact us for more details & custom quotes.