• Who do you typically work with?

    We work with three primary client groups. Independent women navigating major financial transitions — including divorce, widowhood, and inheritance. Business owners planning the sale of their company and the significant financial decisions that follow. And executives, particularly in the pharmaceutical and life sciences industries in New Jersey, who have complex compensation structures including restricted stock units, stock options, and deferred compensation plans. We also work with retirees and pre-retirees throughout Morris County and northern New Jersey who are focused on income planning and long-term tax efficiency.

  • Where are you located?

    We are located at Chester Woods Professional Park, 385 Route 24, Suite 3E, Chester, NJ 07930. We serve clients throughout Chester, Mendham, Far Hills, Bernardsville, Peapack, Gladstone, Bedminster, and the broader Morris County area. We also work with clients across New Jersey, New York, and nationally through a fully virtual planning experience.

  • How is Riverstone different from a large brokerage firm?

    At a large brokerage firm, you're one of thousands of clients managed through standardized models and junior staff. At Riverstone, you work directly with William Clinton — a CFP®, CIMA®, and CPWA® with nearly two decades of experience — on every aspect of your financial life. We have the flexibility to use investment strategies that most large firms simply don't offer, including custom structured notes, private credit, and alternative investments that can meaningfully improve portfolio outcomes for the right clients.

  • How do I get started?

    The first step is a no-obligation introductory conversation. We talk about your current situation, what you're trying to accomplish, and whether we're the right fit for each other. We take the fit question seriously — we interview prospective clients just as much as they interview us, because the right relationship matters more than the size of the account.

  • What is your minimum account size?

    We don't have a rigid minimum. What matters more is whether there is a clear path to a meaningful long-term relationship. We look at your current assets, your trajectory over the next several years, and whether the planning work we'd do together would genuinely move the needle for your financial life.

  • How do you charge for your services?

    Our primary service model is fee-based asset management, meaning we charge an annual advisory fee based on the assets we manage for you. For certain investment strategies including structured notes, we may earn a commission. We are transparent about how we are compensated and happy to walk you through the full picture before you make any decisions.

  • Do you offer hourly or fee-only financial planning?

    Yes. For clients who want comprehensive financial planning without an ongoing asset management relationship, we offer hourly financial planning engagements. This works well for individuals who have specific questions they want answered or decisions they want help navigating without committing to a long-term advisory relationship.

  • How often will we meet?

    We meet with clients at least annually for a comprehensive review and more frequently when circumstances warrant it — a job change, a pending liquidity event, a market disruption, or a major life transition. All meetings are by appointment. We also proactively reach out when something in the market or tax environment is relevant to your specific situation.

  • What does financial planning actually include?

    Comprehensive financial planning at Riverstone covers retirement income planning, tax-aware withdrawal strategies, Social Security optimization, estate planning coordination, insurance analysis, and long-term cash flow modeling. We work closely with your CPA and estate attorney to make sure your plan is coordinated across all dimensions of your financial life — not just the investment portfolio.

  • When should I start working with a financial advisor?

    The earlier the better, but there is no wrong time to start. The clients who benefit most from proactive planning are typically in their late 40s and 50s, when retirement is close enough to plan for seriously but far enough away that meaningful decisions can still be made. That said, we also work with clients who come to us in the middle of a life transition — a divorce, an inheritance, a business sale — where the immediate need for guidance is acute.

  • What happens to my financial plan during market volatility?

    Your financial plan is built to withstand market volatility, not to depend on smooth sailing. During periods of market disruption, we proactively reach out to clients, review their specific situation, and identify any planning opportunities the volatility may have created — including tax loss harvesting, Roth conversion opportunities, and portfolio rebalancing. We do not make reactive changes to long-term plans based on short-term market noise.