Three moments where the right plan changes everything.
Approaching retirement?
You've saved for thirty years. Now you need a plan for what comes next, from consolidating old accounts to knowing your number is real.
Plan Your Retirement →Already retired?
The paycheck stopped, but the bills didn't. We help you turn savings into income designed to last, sequenced with taxes in mind.
Build Your Income Plan →Thinking about legacy?
Estates, trusts, business continuity. We work alongside your attorney and CPA so what you built transfers on your terms.
Protect Your Legacy →Your financial life doesn't happen in separate boxes.
Investment decisions affect taxes. Retirement decisions affect income. Business decisions affect family wealth. Estate decisions affect the next generation. BGS brings those pieces together so your financial strategy reflects the life the money is meant to support.
Wealth & Investment Management
Portfolio strategy, asset allocation, risk analysis, ongoing investment management and long-term financial decision-making.
Retirement Planning
Planning around accumulated assets, pensions, 401(k)s, IRAs, Social Security, timing and financial independence.
Retirement Income & Tax-Aware Strategy
Coordinating withdrawals, income sources, RMDs, tax implications and long-term sustainability.
Insurance & Risk Management
Helping protect income, family, assets, business interests and long-term plans from risks that could disrupt them.
Estate & Legacy Planning
Helping families coordinate strategies intended to preserve and transfer wealth across generations, in collaboration with appropriate legal and tax professionals where needed.
Business Owner Planning
Planning around succession, business continuity, key-person risk, buy-sell considerations, owner retirement and transitioning business wealth into personal and family wealth.
The Three Cornerstones of a Financial Life
Wealth Management
Preservation
Income
Financial Life
Accumulation & Wealth Management
Build and manage wealth with a disciplined strategy designed around goals, risk, time horizon and the life ahead.
Retirement Income
Turn accumulated wealth into an income strategy designed to support life after work.
Lifestyle Preservation
Protect the lifestyle, family priorities and legacy the wealth was built to support.
Build.
Preserve.
Transfer.
For more than three decades, Mario Sicari has helped individuals, families and business owners make informed financial decisions designed to build wealth, preserve what they have created and transfer it thoughtfully across generations.
Investment strategy, accumulation, financial discipline and long-term growth.
Retirement income, tax-aware decision-making, insurance, risk management and financial independence.
Estate planning coordination, family conversations, business succession and multigenerational wealth.
Your business may be your largest asset. It shouldn't be your biggest financial blind spot.
Personal wealth and business wealth are rarely separate for an owner. BGS helps business owners think through the decisions that connect the company they built with the future they want to create.
- Business succession
- Business continuity
- Buy-sell planning considerations
- Key-person protection
- Owner retirement strategy
- Tax coordination
- Personal wealth outside the business
- Preparing for a transfer or sale
Real advisors. Real conversations. One coordinated team.
Mario V. Sicari
More than 30 years in financial services. Author and financial advisor to families and business owners across generations.
Advice you can actually understand.
At BGS, financial planning isn't something that happens behind a curtain. We believe you should understand the decisions being considered, why they matter and how each piece connects to your goals.
Understand what you own, what you are planning for and why specific decisions are being considered.
Long-term financial decisions should be driven by goals and strategy, not the headline of the day.
Investments, retirement, taxes, insurance, business interests and estate planning should work together rather than compete with one another.
Wealth doesn't stop with one generation.
The largest transfer of wealth in history is underway, and most families are less prepared for it than their balance sheets suggest. Preparing heirs matters as much as preparing documents: talking openly about money, teaching the next generation financial literacy, and coordinating estate strategy, business succession and wealth transfer so they work together.
BGS helps families think beyond simply transferring assets — toward transferring judgment, values and a plan the next generation actually understands. It's the thinking behind Mario's books, and behind the family conversations we help clients start.
Explore Estate & Legacy PlanningThe goal isn't just to pass down assets. It's to pass down the ability to keep them.
*Award disclosure carried in full in the site footer and on request.
Credentials that hold up. A record you can verify.
- Mario V. Sicari, AIF®, CLU, ChFC, CLF
- Five Star Wealth Manager: 2017, 2019, 2020, 2021, 2024*
- Cetera Executive Council 2012–2021 · Diamond Council 2022–2025
- When acting in the capacity of an investment advisor representative, Mario serves in a fiduciary capacity.
He wrote the books on it.
Mario's writing carries the same philosophy as the practice: wealth is created through discipline, preserved through planning, and passed on through preparation. One book for the generation building it, one for the generation protecting it.
Invested in more than markets.
BGS is part of the northern New Jersey community it serves, and has publicly supported local and national organizations for years.
Our Community- Trinity Church Food Pantry
- Paramus Food Pantry
- St. Cecilia Food Pantry
- Alina's Lodge
- Hackensack Children's Hospital
- St. Jude Children's Hospital
Your financial life is already connected. Your plan should be too.
Whether you're building wealth, preparing for retirement, leading a business or planning what comes next for your family, the first step is understanding where you are and what matters most.