Tom Belding
Financial Advisor
Belding Financial Planning
Fee-Only financial planner located in Chatham, NJ, serving clients locally and across the country
I am Fee-Only
I do not accept commission, referral fees, or compensation of any kind based on selling financial products, without exception.
I am a Fiduciary
I will put your best interests first, and fully disclose and manage unavoidable conflicts fairly in your favor, at all times.
Things to Know
Tom Belding is a Chatham, NJ fee-only financial advisor serving clients locally and across the country.
Belding Financial Planning provides comprehensive financial planning to help clients organize, grow and protect their assets through life’s transitions.
As a fee-only, fiduciary, and independent financial advisor, Tom Belding is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.
Get to Know Tom Belding
Tom Belding’s distinctive career has taken him through science, economics, entrepreneurship, education, and finance…
And now brings his rich base of experience and knowledge to help you achieve your financial goals.
His career began in medical and, later, economic research, working at Johns Hopkins University and Harvard University. He moved on to corporate and non-profit executive roles, with finance a common thread. He has provided economic and financial information services to corporations and government agencies and has been a CFO. He has broad experience with budget management, short and long-term planning, and financial strategy, as well as benefit plans – and helping participants use them to their best advantage. He has managed retirement assets and trust accounts for individuals and organizations and found time to teach financial literacy.
Corporate employers have included Automatic Data Processing, Inc. (ADP), BELKO, Inc., and The Newgrange School of Princeton, Inc. Business experience covered many countries around the world. Educational service included developing guidelines for private school finance in New Jersey.
More recently, Tom opted to switch from organizational financial leadership and planning to being a CFP® financial advisor. This combines his expertise with his passion for helping others.
Tom is a strong believer in giving back to his community. He is a Past President of the Chatham Board of Education, a current member of the Planning Board. He is recognized as a Paul Harris Fellow by Rotary International.
He holds master’s degrees in applied economics, health services administration, and human genetics from the University of Michigan, and a B.A. in zoology from the University of Maine.
Tom is devoted to his family, including two grown sons and their families. In his spare time, he and his wife Meg like to combine their love of sports and travel. You may be just as likely to find them on an exciting ballroom dance floor – particularly on New Year’s Eve – as you would kayaking the Hudson.
Belding Financial Planning, an office of CGN Advisors, LLC. See website for disclosures.
I Can Help You With:
- Comprehensive Financial Planning
- Retirement Income Planning
- Investment Management
- Tax and Estate Planning
- Special Needs Planning
- Financial Coaching
Ideal Clients:
- Retirees and Near Retirees
- Mid-Career Professionals
- Special Needs Individuals and Their Families
- Business Owners and Executives
FAQ with Tom Belding
- Do you sell any financial or investment products like annuities or insurance that make you commission?
- What does it mean to be a fiduciary?
- I do not live in area. Can I still work with you?
- Do you work remotely/virtually?
- Who are your preferred clients?
- How often will we meet?
- Where will my assets be held?
- What process and timeline can I expect when I become a client?
- Do you offer a free consultation?
- I am ready to have a conversation. How do we start? Click here to schedule a meeting
No! In fact, I am a “Fee-Only” financial advisor. The term “Fee-Only” (or fee-for-
service) refers to how an advisor is compensated. A fee-only advisor is paid directly by
their client and does not earn commission of any kind for product sales or referrals. It
is the only method of advisor compensation that is transparent, objective, and
minimizes conflicts of interest. In addition, a fee-only advisor must act in their client’s
best interest as a fiduciary 100% of the time.
- Do you sell any financial or investment products like annuities or insurance that make you commission?
No! In fact, I am a “Fee-Only” financial advisor. The term “Fee-Only” (or fee-for-
service) refers to how an advisor is compensated. A fee-only advisor is paid directly by
their client and does not earn commission of any kind for product sales or referrals. It
is the only method of advisor compensation that is transparent, objective, and
minimizes conflicts of interest. In addition, a fee-only advisor must act in their client’s
best interest as a fiduciary 100% of the time. - What does it mean to be a fiduciary?
- I do not live in area. Can I still work with you?
- Do you work remotely/virtually?
- Who are your preferred clients?
- How often will we meet?
- Where will my assets be held?
- What process and timeline can I expect when I become a client?
- Do you offer a free consultation?
- I am ready to have a conversation. How do we start? Click here to schedule a meeting
Fee-Only and Fiduciary - Without Exception
Watch Our Video: Fee-Only, Fiduciary, Independent
Tom Belding's Designations and Affiliations
Belding Financial Planning is an Affiliated Office of CGN Advisors, LLC
Media Mentions and Industry Involvement
Office Locations
14 Fairmount Avenue - Chatham, NJ 07928
Advisor Disclosure
Belding Financial Planning, an office of CGN Advisors, LLC. See website for disclosures.
