Business & Finance

Kaplan Financial Continues to Grow, Helps Clients Build Financial Foundation

February 8, 2014 at 12:00 AM

BERKELEY HEIGHTS, NJ - A bumpy economy may have upended the investment plans of many people, but the turbulence hasn’t kept Eve Kaplan from helping her clients to build a financial bedrock.

“People are aware that they may have to work longer than they anticipated before being able to retire,” said Kaplan, a Certified Financial Planner and owner of Kaplan Financial Advisors, LLC in Berkeley Heights. “But many are still not aware of the risks and opportunities related to a wide variety of financial products, from investments to insurance policies. I work closely with clients to understand their needs, comfort level and general situation and then help them design and maintain a sound approach to their finances.

"My average client has at least $1 million of investment assets that I manage while offering unlimited financial planning support," said Kaplan, whose number of investment assets under management has grown steadily over the last several years.

Sign Up for E-News

Kaplan’s 30-year investment background includes high-level domestic and international experience in the equities and mutual fund markets, the kind of exposure that helps her to guide clients in both bull and bear markets.

“People can get nervous in turbulent times and find it difficult to stay the course when it comes to their investments and planning,” Kaplan said. “Part of my job is to assist them in maintaining a long-term view that will enable them to ride through the rough patches.”

One of the ways she does that is with a “Financial Road Map.”

In a session lasting between 60 and 90 minutes, Kaplan meets with prospective clients to gain an understanding of their core values and financial goals, and to benchmark their current financial position while exploring their goals. Kaplan subsequently updates each client’s Financial Road Map at least once quarterly.

“Once we’ve established a clear understanding of their situation, in non-judgmental way, we can move on to sophisticated, long-term financial planning,” she said. “This typically includes monitoring and rebalancing assets, prudent investment in low-cost, high quality mutual funds or other investments, updating insurance needs, and crafting estate strategies. We may also look at rolling clients out of more expensive annuities, and devise ways to minimize taxes. Sometimes we get our team CPA involved beyond annual tax projection and tax filing work.”

Kaplan combines precision analytics with an approachable, inclusive style, which she says works well with many couples.

“One person may need or like a technical approach to planning but the spouse or partner may quickly feel lost,” she said. “Our approach marries the two styles. This helps clients who feel unsure about financial issues, but seek guidance from a knowledgeable professional who won't snow them under with excessive techno-talk.”

As a fee-only advisor, Kaplan said she avoids the conflicts that can arise if an advisor earns commissions from financial products providers.

“I’m not wedded to any single product or approach,” she explained. “Instead, my advice is transparent and independent, placing the client’s needs front and center.”

Kaplan’s advisory work addresses many financial planning issues, including developing strategies to help clients avoid outliving their assets, addressing retirement timing questions, starting a new business, setting up cash flow projections, college funding strategies and risk minimization, or insurance.

“Setting up an initial plan and putting it in writing is only the beginning,” she said. “To be effective, we periodically meet and I develop an updated ‘snapshot’ that shows clients where they stand in terms of financial strength. We review our investment strategy to make sure it best addresses ongoing client needs.”

Changing tax and estate planning rules,  a challenging economy and other issues mean clients need to be ready to react to challenges and opportunities, Kaplan says.

“Many of them are focusing on other matters, like their family, and their job or business,” she said. “I’ve got the experience and training to deal with markets and other issues, and I, along with my team of professionals, can help them to balance their financial needs with their day to day living so they’re better prepared to meet their own goals and objectives.”

TAP Into Another Town's News:

TAP Into Another Town's News:

Sign Up for E-News

Berkeley Heights

Free Public Wi-Fi in Union County Parks and Facilities

January 19, 2017

The Watchung Stables is one of six new sites in Union County Parks that offer free public Wi-Fi access. There are now a total of 11 county parks and facilities that offer free Wi-Fi.

“We are committed to ensuring that our recreation facilities are up to date and welcoming to a broad range of activities.” said Chairman Bruce Bergen. “Whether it is surfing the ...

Lance, Pascrell Bill Will Keep ‘Blue Lines’ in Towns

NEW JERSEY --- U.S. Reps. Leonard Lance (NJ-07) and Bill Pascrell (NJ-09) today took up the cause of many New Jersey municipalities and law enforcement groups by proposing the Blue Line Use Exception (BLUE) Act (H.R. 566).  Legislation that will permit ‘blue lines’ to be displayed on roadways. 

“One hundred thirty five police officers died in the line of duty in ...

New Providence Historical Society presents 'History Talks' Sponsored by Wells Fargo

NEW PROVIDENCE, NJ - “History Talks” is a new series of speakers in 2017 presented  by the New Providence Historical Society covering topics relating to New Providence, Union County and New Jersey.

On February 16, 2017, Edward Eckert will give a presentation on the History of Nokia Bell Labs, sponsored by Wells Fargo. For decades, the legendary research center has given birth ...

Nicholas J. Dimakos to Speak on Handling Contested Guardianships

Nicholas J. Dimakos, an Associate of Norris McLaughlin & Marcus, P.A., will speak on the role of the court-appointed attorney at “Handling Contested Guardianships.”  Sponsored by the New Jersey Institute for Continuing Legal Education (NJICLE) in cooperation with the New Jersey State Bar Association (NJSBA) Real Property, Trust & Estate Law Section and the NJSBA Senior ...

Thank You Westfield!

January 14, 2017

Almost five years ago Imagine, A Center for Coping with Loss, opened its doors in Westfield, thanks to the vision and generosity of Dr. Gerald Glasser and the leadership of Keith Hertell, our first board chair, and all the other founding board members.  We opened our doors on the  third floor of the First United Methodist Church and started our program.

Since then we have served over ...

Union County Clerk Recognized for Tech Achievement

January 14, 2017

UNION COUNTY, NJ -- Union County Clerk Joanne Rajoppi was nationally recognized for her leadership in the use of electronic recording technology.

Rajoppi was presented with the national 2016 eRecording All-Star Trailblazer Award, a competitive recognition sponsored by the global business solutions company Corporation Service Company. The Trailblazer award recognizes a recording office that has ...

Ciattarelli Announces Successful Throat Cancer Surgery, Scales Back Gubernatorial Campaign Temporarily

January 15, 2017

TRENTON, NJ - State Assemblyman Jack Ciattarelli, R-16th, a candidate for the Republican nomination for governor, announced yesterday that he had undergone successful surgery for throat cancer in November, and will be curtailing his campaign schedule temporarily.

Gearing up for a primary campaign against several other Republicans who want to run for New Jersey, Ciattarelli, a Hillsborough ...

It’s Go Time.

This one goes out to all the juniors out there. 

I can feel you squirming in your seats, “Who me?” Yes, you!  The time has come to turn that college dial up a notch.  “But I still have so much time left!”  But you really don’t.  Ideally in a year from now you’ll be sifting through acceptance letters and weighing college options ...

Mayor's Round Table on the Road with the Rotary Club of Berkeley Heights: Volunteerism Makes a Difference in the Community

GILLETTE, NJ - Mayor's Round Table is a monthly show hosted by Dr. Donald DeFabio, who sits with Mayor Robert Woodruff to talk about current issues that affect the township as well as answer questions submitted by citizens. This month, the Mayor's Round Table went on location and were guests of the Rotary Club of Berkeley Heights on Dec. 16 at Chimney Rock Inn in ...

Ciattarelli Announces Successful Throat Cancer Surgery, Scales Back Gubernatorial Campaign Temporarily

January 15, 2017

TRENTON, NJ - State Assemblyman Jack Ciattarelli, R-16th, a candidate for the Republican nomination for governor, announced yesterday that he had undergone successful surgery for throat cancer in November, and will be curtailing his campaign schedule temporarily.

Gearing up for a primary campaign against several other Republicans who want to run for New Jersey, Ciattarelli, a Hillsborough ...

Back Pain & Sciatica: Fix it Forever

Back pain is the second reason after the common cold for visits to the doctor: 80 % of the American public has back pain of sufficient intensity to seek care and treatment. Sciatica, pain shooting down the leg, is often related to back pain and is successfully treated with non-surgical and natural treatment.

Before any treatment can begin for your back and leg pain an accurate diagnosis and ...

Upcoming Events


Fri, January 20, 8:00 AM

Berkeley Heights YMCA, Berkeley Heights

New Class- Strike a Balance

Health & Wellness


Fri, January 20, 12:00 PM

Summit YMCA, Summit

Duplicate Bridge at the Y

Arts & Entertainment


Fri, January 20, 12:30 PM

Summit YMCA, Summit

Mah Jongg

Arts & Entertainment Education


Fri, January 20, 3:00 PM

Summit YMCA, Summit

Afterschool Sports For Middle Schoolers



Fri, January 20, 3:00 PM

DeFabio Spine and Sports Rehab. LLC, Berkeley Heights

TGIF Chiropractic Happy Hour

Health & Wellness


Sat, January 21, 9:30 AM

Summit YMCA, Summit

STEM Saturdays


Berkeley Heights Strikers FC Wins 3 X 3 DTS Tournament

BERKELEY HEIGHTS, NJ - The Berkeley Heights Strikers FC girls U8 team won the Girls 3v3 indoor Tournament "U8 Girls" bracket held at DTS Soccer Centers in Somerville.

The Strikers, a festival team of 17 first and second 1st graders representing the Berkeley Heights Youth Soccer Club, entered two teams in the bracket. The "blue" squad went ...