Simplicity Wealth Princeton2026-04-17T16:23:16+00:00

Simplicity Wealth Princeton

Money is personal. We believe investors deserve professional guidance that provides them with a customized financial strategy focused in their individual needs and objectives.

A Disciplined, Holistic Foundation

Simplicity Wealth Princeton is a comprehensive financial services firm with local advisors dedicated to helping Princeton‘s residents and beyond navigate their financial journey with confidence.

Our approach is built on holistic planning, where investment and insurance strategies are designed to complement one another to help you meet your financial goals.

The foundation of each plan is based on understanding:

  • Impact of Key Considerations: How six fundamental financial planning considerations may impact your financial life and which strategies may be implemented to help mitigate their effects.
  • Wealth Optimization: How to effectively accumulate and protect your wealth over time, aligned with your risk tolerance and investment preferences.

Our mission is to help investors build confidence through a focused, personalized approach to their financial strategy. We provide strategic guidance designed to assist our clients in making informed decisions for their financial future.

Team

Chris Lester ChFC®, RICP®, CCPS®, NSSA, CLTC®

Partner/Advisor

Keith Lester CLTC®

Associate Advisor

Kate Erchick NSSA®, CLTC®

Associate Advisor

Simplicity Wealth Senior Leadership

Services

Income Planning

Ensure your retirement income lasts as long as you do.

We help you create a reliable, tax-efficient income stream by integrating Social Security, pensions, annuities, and investments. The result is a sustainable withdrawal strategy you can count on throughout retirement.

Investment Planning

Grow and protect your nest egg with purpose.

Our investment strategies are customized to match your risk tolerance, time horizon, and retirement goals. We focus on asset allocation, downside protection, and consistent performance—not speculation.

Tax Planning

Keep more of what you’ve earned.

Smart tax planning is essential in retirement. We work with tax professionals to help you minimize tax liabilities through Roth conversions, withdrawal sequencing, charitable giving strategies, and more.

Long-Term Care Planning

Prepare today so you’re not caught off guard tomorrow.

We help evaluate your options for long-term care coverage, balancing affordability with quality care to protect your assets and preserve your independence.

Healthcare Planning

Make confident Medicare and health coverage decisions.

Healthcare can be one of the biggest expenses in retirement. We assist in estimating costs, understanding Medicare choices, and integrating those expenses into your retirement plan.

Legacy Planning

Leave a legacy that reflects your values.

We help you plan how your assets will be distributed, protected, and preserved for future generations—while also reducing probate costs, taxes, and family stress.

Annuities

Protect your principal while generating guaranteed income.

Fixed Indexed Annuities (FIAs) and other annuity options can offer growth potential, income guarantees, and even tax mitigation strategies. We’ll help determine if an annuity fits your plan.

Business Owners

Retiring from or selling a small business can be a complex and time-consuming process.

Small business owners encounter distinct hurdles when planning for retirement. Without employer-sponsored options like 401(k) plans or pensions, they must take full responsibility for building and funding their own retirement savings.

Life Insurance/LifeLink

Do you know how much life insurance you need?

You’ve made the smart choice! An advisor can help you decide how much coverage is right for you, keep you on track throughout the process, and be there for you in the future.

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Kai-Zen®

Your retirement success depends on how much you save-not just your rate of return.

Kai-Zen® is a supplemental retirement savings plan that offers individuals a solution to underfunded retirement plans. The solution utilizes capital leverage to create tax-free income and inheritance opportunities that close the retirement income gap and create generational wealth.

Estimate The Potential Benefits

Media

Financial Videos

Guides

Tax Planning Guide
Work To Reduce Your Taxes 

Retirement & Inflation Guide
What To Know And How To Prepare

Social Security Guide
What To Know And How To Maximize

Blog

Events

Live Events

Events in April–May 2026

  • April 23, 2026 (1 event)


    April 23, 2026

    Live each Thursday, Chris talks about a financial topic.

    Presenter: Chris Lester

    EVERY THURSDAY at 4:30 pm ET (unless otherwise announced)!

    FILL OUT THE FORM TO REGISTER!

  • April 30, 2026 (1 event)


    April 30, 2026

    Live each Thursday, Chris talks about a financial topic.

    Presenter: Chris Lester

    EVERY THURSDAY at 4:30 pm ET (unless otherwise announced)!

    FILL OUT THE FORM TO REGISTER!

  • May 2, 2026 (1 event)


    May 2, 2026

    Location:
    Rutgers Business School
    100 Rockafeller Rd
    Piscataway, NJ

    What You'll Learn:

    • How to maximize Social Security benefits and how to minimize taxes on them.
    • Strategies to consider before deciding to apply for benefits.
    • What to do if you have other income from pensions or IRAs.
    • What is the future of Social Security and what does it mean to you?
    • When it makes sense to delay benefits - and when it does not.
    • How the wrong Social Security decision can cost you money.
    • How your current employment will affect benefits.
    • How two little-known strategies could increase your family income and survivor benefits.
    • Can you fix your Social Security election if you made a mistake?
    • How cost-of-living adjustments (COLAs) impact benefits.
    • Learn how all of your assets fit together with Social Security to fund your quality of life in retirement.

    REGISTER HERE

     

  • May 9, 2026 (1 event)


    May 9, 2026

    Location:
    Allentown High School.
    27 High Street,
    Allentown, NJ 08501

Fill out your information below to register.





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    Contact Information

    Mailing Address:

    PO Box 240
    Cream Ridge, NJ 08514

    Our Phone:

    (732) 302-1810

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