Who are you going to trust to preserve your hard earned nest egg?
The first step to a comfortable, stress-free retirement - and the most important - is to find a Functional Retirement Advisor (FRA).

About Falbo Retirement

THE AVERAGE PERSON retiring in the 21st century has no idea what challenges await them in their “second life.” They have worked hard to diligently save towards their end goal—a comfortable, stress-free retirement. However, retirement isn’t just about sipping piña coladas on the beach; in fact, the most crucial part of your fiscal responsibility starts now. But where to begin?

The first step—and the most important—is to find a Functional Retirement Advisor (FRA).

A FRA is a trustworthy, empathetic financial advisor who specializes in taking a holistic approach to retirement planning and places an emphasis on plans not products. Your FRA should care just as much about knowing you as a person as they do about knowing the ins and outs of your finances.  That’s what allows the FRA to apply a personalized approach to your retirement.

seniors enjoying retirement

Joseph Falbo Wrote the Book on Functional Retirement Advisors

image of paperback and ebook

This book guides you step-by-step on how to identify the FRA that is right for you.

What You’ll Learn:

  • The one investing discipline every legitimate FRA practices
  • Techniques to define your retirement vision & how to calculate “Your Number”
  • The one question to ask your FRA that no one ever asks
  • How an FRA saves you from the mainstream financial news tsunami
  • How to spot problematic personality traits of a retirement advisor before it becomes an issue


Available at Amazon

Free EBook

Available Here

About the Author: Joseph F. Falbo, CFP®, AIF®, CRC®


  • Master rank in 5th degree black belt in Vadha Kempo Karate and Mixed Martial Arts
  • Avid chess player
  • Diehard New York Giants fan
  • Loves Bruce Springsteen

I am a CERTIFIED FINANCIAL PLANNER™. I have been a Financial Advisor since 1995 specializing in pre-retirees and retirees. I strive to help grow and preserve their wealth using cutting edge, customized and personalized strategies. This helps them to pursue and retain the lifestyle they want in retirement.

I am committed to serving my clients’ financial interests. My main goal is to help preserve and aim to grow your wealth so that you can live your entire retirement with dignity and independence. I use extensive personal and professional experience in all areas of investment planning to help you pursue your goals.

I use ongoing financial education to help you make confident financial decisions. I am registered to provide a wide variety of investment planning strategies custom-tailored to each client’s situation. I endeavor to provide my planning services in a professional, non-threatening, stress-free environment. A high level of caring, personal service, and trust is expected and provided.

I grew up in New York but moved to New Jersey when I was 30 years old and I have lived there ever since. I currently live in East Hanover with my wife. I enjoy spending time with my nieces and love being with my family and friends that all live nearby. In my free time, I enjoy learning about and implementing new ways to live an active and healthy lifestyle.

CRC conferred by InFRE®