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MoneyMatterUSA, Advisory LLC

We help you create
and live your
retirement dream™

Your retirement dream requires the experience, skills, and perspective of financial planners and advisors who put your financial interests first — and develop custom outcomes that align with your values.

40+ Years of Experience
3 NJ Office Locations
100% Client-First Fiduciary
Fred Saide — Financial Advisor
About Fred Saide

A Financial Genius and Sage — Your Retirement Strategist

Our increasing longevity has created serious challenges to financial and retirement planning. New strategies and outcomes within the new framework of holistic thinking from the individual and family are now necessary.

Fred Saide delivers credible information and insights — with no vested interest except helping you succeed through a 40-year retirement without running out of money.

  • Risk tolerance changes over time — and Fred builds plans that adapt with you
  • Risk capacity is quantifiable, not just behavioral — that distinction matters
  • Every strategy is unique, holistic, and aimed at certainty in retirement
  • Exit strategies, succession planning, and buy-sell agreements for business owners
Risk Management & Planning

Comprehensive Financial Services

Holistic strategies for every stage of your financial journey — from accumulation to legacy.

01
📊
Crash Test

Stress-test your portfolio against market downturns. Find out how much risk you're actually carrying — before it's too late.

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02
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Retirement Plans

Custom retirement income strategies built around longevity, certainty, and probability — not one-size-fits-all models.

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03
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Roth Conversions

Strategic Roth conversions to minimize lifetime taxes and maximize tax-free wealth accumulation for your heirs.

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04
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Best Interest Standards

Our fiduciary commitment means your interests always come first — legally and ethically. No commissions, no conflicts.

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05
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Secure Act 2.0

Navigate the landmark retirement legislation — understand how new rules affect your RMDs, contributions, and planning horizon.

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06
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Capital Gains Harvesting

Strategic harvesting of capital gains or Roth conversions to optimize your tax profile now and in retirement.

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Weekly Episodes

Listen to Our Podcasts

Each weekly episode covers what is required to retire successfully and stay retired. Fred focuses on three core considerations: longevity, certainty, and probability.

  • Taxes in retirement — the overlooked wealth destroyer
  • The problem of frailty and long-term care costs
  • Healthcare costs and their impact on retirement income
  • Estate planning, beneficiary directions, and legacy strategies
  • Producing income over one or two lifetimes
Listen to Fred Saide Podcast
New Episodes Weekly
All Podcasts Stump the Guru
Media & Recognition

Fred Saide in the Media

Featured Interview — CEO Chat on RVNTV.tv / HULU
A Holistic View of Pre- and Post-Retirement Planning

Fred Saide discusses why his process is based on a holistic view of each pre- and post-retiree — aimed at providing a strategy unique to each person that will successfully carry them through their retirement, even a 40-year one, without running out of money.

Watch on YouTube →
Sharkpreneur Podcast — Seth Greene
Business Exit Strategies, Risk Capacity & Succession Planning

Fred was interviewed on the Seth Greene Sharkpreneur podcast. Topics covered:

  • How even small businesses need an exit strategy and a succession plan in place — the IRS and federal courts are looking closely at buy-sell agreement valuation clauses
  • Why it's important to have a detailed plan with action steps that can be implemented
  • How risk tolerance changes over time for most people
  • How risk capacity is not behavioral, it's quantifiable — and why that's important
  • What it means to lose 35% from your portfolio, and why it's a smaller issue than most people think

Nothing is more important in retirement and financial planning than managing risk.

Watch on YouTube →
Market Intelligence

Stay Informed: Latest Retirement
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