Welcome to
Belding Financial Planning

At Belding Financial Planning, we put your interests first—always. As a fee-only fiduciary, we are committed to providing unbiased, transparent advice tailored to your unique financial needs. With no hidden agendas or conflicts of interest, you can trust that every recommendation we make is grounded in integrity and aligned with your goals and needs.

What We Do

Life’s transitions often raise difficult financial questions:

  • Am I prepared for retirement?
  • How can I protect my family’s future?
  • How can I limit my tax exposure?
  • What’s the best way to care for a loved one with special needs?

We help answer these questions every day, crafting personalized financial plans to bring insight and support as you navigate your future.

Why Work with Us?

Our approach is built on:

  • Expertise You Can Trust: Decades of experience spanning finance and economics
  • Comprehensive Solutions: From tax and retirement planning to special needs and estate planning
  • Fiduciary Commitment: Advice focused on your best interests, provided on a fee-only basis.

I can be your Coach, Guide & Mentor

Ready to have a chat to see if I can help you?

SCHEDULE A CHAT WITH TOM

Meet Tom Belding CFP®, ChSNC®

Guiding You Through Life’s Transitions

Tom has dedicated his career to helping individuals, families, and organizations make good financial decisions. Whether you’re rebuilding after a loss, preparing for retirement, planning for a loved one with disabilities, or looking for ways to minimize taxes and get the most from your investments, Tom provides tailored solutions that bring clarity to your financial choices.

Tom’s career began in medical and economic research at Johns Hopkins University and Harvard University. Moving to Automatic Data Processing, Inc., he managed a business that provided economic and financial data services to banks, brokerage firms and manufacturers. He later became an entrepreneur, CFO, and financial educator. He has managed investments, retirement plans and trusts for individuals and non-profits. As a Financial Advisor, he helps clients build realistic plans to achieve their financial goals. His primary focus is pre-retirees, retirees, and widows. He also serves the special needs community as a Chartered Special Needs Consultant® (ChSNC®). He has experience with individuals with disabilities not only as a Financial Advisor, but also as a family member, teacher and program administrator.

Tom is deeply involved in his community, having served as President of the Board of Education and as a member of the Planning Board in Chatham, New Jersey. His dedication to service has been recognized with the prestigious Paul Harris Fellow award from Rotary International.

Family is at the heart of Tom’s life. He and his wife Meg are devoted to their children, grandchildren and many friends and relatives. They also share a passion for travel and recreation, whether kayaking the Hudson or ballroom dancing at venues like the Hofburg Imperial Palace in Vienna. Their shared sense of adventure and purpose reflects Tom’s holistic approach to life and work.

As a fiduciary, Tom is legally and ethically bound to act in your best interests—always. Additionally, as a fee-only advisor, he offers complete transparency around compensation, with no commissions or hidden incentives. Whether you’re preparing for retirement, managing your assets, or planning care for a loved one, Tom offers guidance to help you approach financial decisions with confidence.

Interested in Special-Needs Planning? See the ChSNC® resources at the bottom of this page.

A Trusted Team

Our clients are an essential part of the team. Iterative planning meetings complimented by high value online tools make sure our clients are engaged and empowered. We also collaborate with other trusted professionals—attorneys, CPAs, insurance specialists, and therapists.

Backed by the expertise of CGN Advisors, LLC and the reliability of our primary custodian–Charles Schwab, we ensure that every aspect of your financial plan and investments are managed securely, with care and attention to detail, whether you’re navigating life transitions, preparing for retirement, planning for a loved one with unique challenges, or just trying to make sense of a complicated financial picture.

Build the Future You Deserve

You deserve a financial partner who listens, understands, and helps you move forward with clarity. Schedule a conversation today to start planning for what matters most.

SCHEDULE A CHAT WITH TOM