Ronald J. Garutti Jr., CFP of Lifetime Financial Planning, LLC

Ronald J. Garutti Jr., CFP of Lifetime Financial Planning, LLC Welcome to my business page. I hope to educate. Ron had the dual role of advisor and Registered Principal at LFF. Ronald J.

In search of providing more detailed and comprehensive written financial plans, Ron joined Newroads Financial Group in July of 2008 following a 13-year stint at Langdon Ford Financial (LFF). Prior to working at LFF, Ron earned his Bachelor of Science degree from the Rutgers University School of Business in 1995. He obtained his CERTIFIED FINANCIAL PLANNERTM certification in 2003 and continues to m

aintain that certification with continuing education credits earned annually. Ron regularly attends financial services and financial planning seminars and conferences to keep current on the many aspects of comprehensive financial services, including financial planning. Ron and business partner, Jason Newcomb, have appeared in several web-based videos in an effort to educate clients about current market perspectives and to provide updates on Newroads Financial Group. He has appeared in The Star Ledger, New Jersey’s largest newspaper, where he has contributed to multiple financial columns and business related news articles dating back to 2001. He has also appeared in The New York Times, The Wall Street Journal, InvestmentNews magazine, Growing Wealth magazine, The Daily Record, The Courier News, Entrepreneur.com, and Eons.com. Ron was a Main Platform speaker at both the 2009 and 2010 “Road To Personal Wealth” financial conferences, held at Rutgers University and Caldwell College, respectively. Ron and Jason are co-founders of “An Evening With Eric LeGrand”. Intended as a one-time event in 2013 to help Eric launch his foundation, Team LeGrand, as part of the Christopher & Dana Reeve Foundation. The event was such a success that it continues as an annual event of inspiration and great fun. All expenses associated with hosting and marketing are personally funded by Ron and Jason. As a result, 100% of donations raised go directly to finding a cure for spinal cord injuries. To date over $335,000 has been raised from the first seven events and it continues to grow each year. Ron is highly involved in supporting his Alma Mater. In 2010 he found a new way to support his second home as a guest lecturer. He has lectured as a guest speaker in a financial planning class in the undergraduate School of Management and Labor Relations curriculum. Ron is also a volunteer for the Rutgers Leadership Academy where he helps student athletes with career education. In 2012 Ron became an inaugural volunteer of the Rutgers School of Business teamUP mentoring program where he continues to mentor 1-2 students each semester through a semester long one-to-one goal setting and educational relationship. Ron, his wife, Jen, and their two children, Devon and Trey, live in Raritan Twp, New Jersey, where they are both very active in their community. Ron enjoys spending time with his family, watching Devon blossom as a young equestrian rider, coaching all of Trey’s sports, an occasional round of golf and following the Rutgers football team wherever they may play. Fun fact – Ron has attended every Rutgers Football bowl game the team has played except The Garden State Bowl in 1978. Ron serves on the Board of the Flemington Falcons and is also a founding member of the Football Coaches Leadership Council for the HC Falcons football team. Garutti Jr., CFP® is a Registered Representative (and Investment Advisor Representative), of Securian Financial Services, Inc. Securities and investment advisory services are offered through Securian Financial Services, Inc., member FINRA/SIPC. Newroads Financial Group is independently owned and operated. 16 Harrison Street, Clinton, New Jersey 08809 Tracking 2932552 DOFU 02/2020

05/10/2026
05/04/2026

This isn’t new—but it should still concern all of us.

Financial literacy isn’t being taught well in many schools. What is growing? - Gambling.

More kids are using sports betting apps and prediction markets—and many are finding ways around age restrictions to do it.

After 31 years working with clients, I’ve always believed one thing: If we don’t teach the next generation about money, someone else will—and not always in a good way.

One of the most rewarding parts of my work is talking with clients’ children about saving, investing, and how money actually works. I have a meeting coming up with a mom and her two teenagers, and I’m genuinely looking forward to it.

So here’s my offer:
If you know a student (high school or college) who wants to better understand personal finance, I’m happy to meet with them—no cost, no obligation.

We can cover anything:
• budgeting
• investing basics
• avoiding common mistakes
• how to think about money long-term

This isn’t about gaining clients. It’s about building better decision-makers.

Feel free to message me directly or pass my name along.

Here is a quick update on the Yen, changes at the Fed and Inflation. Please feel free to contact us if you have any ques...
02/11/2026

Here is a quick update on the Yen, changes at the Fed and Inflation. Please feel free to contact us if you have any questions.

LPL’s Chief Economist, Dr. Jeffrey Roach highlights the potential impact of a new Fed Chair, improvements with inflation expectations, and why the yen could weaken further.

After 3 flight cancellations and a successful standby flight I arrived in Orlando last night. I was determined to succee...
11/11/2025

After 3 flight cancellations and a successful standby flight I arrived in Orlando last night. I was determined to succeed. I’m looking forward to a great 2 days learning with other leaders.

11/05/2025

Next week I am heading to Orlando to participate in LPL's annual "Elevate" conference. I look forward to 3 jam packed days of educational meetings, learning from colleagues and listening to industry experts. Stay tuned for future updates.

Here is a nice summary from the investment team at our broker dealer. We are always here to chat about anything and ever...
03/13/2025

Here is a nice summary from the investment team at our broker dealer. We are always here to chat about anything and everything as you navigate the financial world. We think it is worth your 11 minutes.

LPL’s Chief Investment Officer Marc Zabicki and Chief Economist Jeffrey Roach discuss the drop in yields and the softer economic data and what it means for p...

Life is better with cookies!
08/04/2023

Life is better with cookies!

It's National Picnic Month!
08/01/2023

It's National Picnic Month!

American workers being less productive means bad new for the FedDisclaimer: This material represents an assessment of th...
07/28/2023

American workers being less productive means bad new for the Fed
Disclaimer: This material represents an assessment of the market environment at a specific point in time and is not intended to be a forecast of future events, or a guarantee of future results. This information should not be relied upon by the reader as research or investment advice regarding any funds or stocks in particular, nor should it be construed as a recommendation to purchase or sell a security. Past performance is no guarantee of future results. Investments will fluctuate and when redeemed may be worth more or less than when originally invested.

Federal Reserve officials are widely expected to announce on Wednesday a pause in their regimen of rate hikes.

Grocery prices on the rise again
07/21/2023

Grocery prices on the rise again

US grocery prices ticked up in May after dipping in March and April. Inflation in America continued to fall significantly, but rising prices at the supermarket is unwelcome news to those struggling to pay for food.

Address

3461 Route 22, Bldg. 5, Suite E3
Branchburg, NJ
08809

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