OUR SERVICES
Financial Services... Just the Way They Should Be:
Offering unbiased financial solutions tailored to your needs, ensuring truly independent and client-focused advice. We focus solely on what’s best for you and your financial goals.
Strategy Is The Key
STRATEGY is the thoughtful application of knowledge and experience at the right PLANNED time to help make your financial goals a reality. Whatever your goals, we can help you reach them.
Retirement Income Planning
Income is the first function of retirement to satisfy. The more efficient we are at satisfying the desired income streams, the more money is generally left over for Liquidity and Legacy.
Comprehensive Planning
At Cumulative Wealth Solutions, we create custom comprehensive plans to help our clients achieve their financial goals. Whether paying off debt, saving for retirement, investing for education, protecting against risk, minimizing taxes, or managing estate distribution, we are here for you.
OUR TEAM & APPROACH
Our financial planning services are provided by registered representatives Steve Melchiorri and Steven Sirot, supported by a dedicated client service team. With more than 25 years of experience, we focus on education, structure, and real-life planning — helping clients make informed decisions with confidence.
Frequently Asked Questions
Q1. What types of clients do you work with?
We work with individuals and families seeking clear, comprehensive financial planning. Our approach is designed to support a wide range of financial goals and life stages.
Q2. Do you charge a separate fee for financial planning?
No. Comprehensive planning is part of the ongoing relationship and is not billed as a separate planning fee.
Q3. How is your planning approach different?
Our approach is education-first. We focus on helping clients understand their options so decisions are made confidently, without pressure or urgency.
Q4. What areas does your financial planning cover?
Our planning typically addresses retirement income, investments, tax considerations, risk management, and legacy planning — all within a clear, real-life framework.
Q5. Where are you located, and who do you serve?
We are located in Cedar Knolls, New Jersey, and work with clients throughout New Jersey and surrounding areas.
OUR PARTNERS
We work with carefully selected partners to support our clients while maintaining an independent, client-first planning approach.
ABOUT CHELSEA FINANCIAL SERVICES
Trusted by thousands of clients & Licensed in 51 U.s. States & Territories
Chelsea Financial Services is a national independent Broker/Dealer, established in New York City over 23 years ago, licensed to offer securities and insurance products. We are a member of both FINRA (Financial Industry Regulatory Authority), SIPC (the Securities Investor Protection Company) and MSRB (Municipal Securities Rulemaking Board. Clearing is handled through Hilltop Securities, a diversified investment bank with a long and successful history, dating back to 1946.
25+
Years of Service
1B+
Assets Managed By
Hilltop Securities,
Our Clearing Partner
80+
Chelsea Advisors
and Registered Representatives
51
States & Territories
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Take the first step toward your financial future today. You'll be glad you did.