We Are Covid-19 Compliant

We will keep a safe 6 feet distance. We also can provide a mask for you, as well as hand sanitizer.

Money Matters USA Income Specialists

“We help you get the retirement you always dreamed about”

We never use a pre-set solution. We do not favor one income or tax method. Each person is unique and each strategy set will fit that person. You can schedule an appointment at one of our three locations located in Bridgewater, Short Hills, or Cranford. We can also meet virtually through Zoom, with no video required on your end, or a meeting by phone as well.


(908) 791-3831

Our Locations

Short Hills


Not all money is taxed the same rate

Your Retirement Solutions

Retirement, Income Planning & Financial Planning

Does your current financial adviser make a difference in your life? The answer matters. Why hire us? Do you lie awake at night wondering if your nest egg will last as long as you do? As a fee only firm, we make certain you do not outlive your income. We maximize your Social Security, and harvest income from the correct asset (bucket) so you pay income taxes at the lowest marginal rate.

We are completely independent and work only for our clients putting their interests first. We are specialists in retirement income planning and that is all we do. We design and develop a study for each client so they can sleep soundly at night because they no longer worry about running out of income or cash flow.

We never use a pre-set solution. We do not favor one income or tax method. Each person is unique and each strategy set will fit that person.

Case Study: Risk

Measuring the risk tolerance of an investor is an absolutely crucial piece of any financial advisor’s
arsenal nowadays.

401K & IRAs

When you enroll in a 401k plan you put a percentage of each paycheck into the account. These contributions are placed into investment offered by your plan which you then select.

Right Capital

Are you ready for retirement? See you financial goals. Track your expenses. See all of you accounts in one place. Unlock more value.

Income Insight

Income insight answers many questions about how long your money will last through retirement. It also can show you how to improve & increase your financial potential & guide you through retirement.

About Money Matters USA

Meet Frederick Saide

Frederick Saide is an accomplished insurance and financial services industry professional with many years of experience. His expertise in identifying and capitalizing upon emerging market opportunities drove tremendous premium, revenue and profit growth for each organization.

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How can we help you with your retirement

Our Purpose

Our purpose is to help people determine a baseline for their longevity and to review their retirement planning.

Retainer Based

We charge a flat fee paid quarterly. Our initial fee is paid in two installments. We don't require assets to be managed by us.

MoneyMatterUSA, Advisory LLC operates only in the state of NJ. No offer may be made or accepted from any resident outside the state of NJ.

MoneyMattersUSA, Advisory LLC and Foundation Insurance Services, LLC are independent companies with common ownership. Advisory services are offered through MoneyMattersUSA, Advisory LLC and Insurance services are offered through Foundation Insurance Services, LLC; Frederick Saide Financial Advisor. Frederick Saide is not connected with or endorsed by the United States Government, the federal Medicare program, Medicaid program, or the Social Security Administration.