Access Wealth Planning provides financial planning, portfolio management for individuals and small businesses, selecting other managers, education planning, estate planning, insurance, philanthropic planning, and tax planning. Financial planning was provided to 1–10 clients last fiscal year.
Access Wealth Planning reports 373 clients. They include 242 individual clients, 121 high-net-worth individuals, and 7 pension and profit-sharing plans. Of its assets, 100.0% ($539M across 1,009 accounts) are managed with discretion. Of its clients, 1% are outside the U.S. It advised 5 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 65% | 17% |
| High-net-worth individuals | 32% | 81% |
| Pension and profit-sharing plans | 2% | 1% |
| Charitable organizations | <1% | <1% |
| Corporations and other businesses | <1% | <1% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 242 | $89.4M | 16.6% | $370K |
| High-net-worth individuals | 121 | $437M | 81.0% | $3.61M |
| Pension and profit-sharing plans | 7 | $7.39M | 1.4% | $1.06M |
| Charitable organizations | Fewer than 5 | $347K | 0.1% | $347K |
| Corporations and other businesses | Fewer than 5 | $5.38M | 1.0% | $2.69M |
| Total | 373 | $539M | 100% | — |
- Clients
- 242
- Regulatory AUM
- $89.4M
- AUM share
- 16.6%
- Avg. per client
- $370K
- Clients
- 121
- Regulatory AUM
- $437M
- AUM share
- 81.0%
- Avg. per client
- $3.61M
- Clients
- 7
- Regulatory AUM
- $7.39M
- AUM share
- 1.4%
- Avg. per client
- $1.06M
- Clients
- Fewer than 5
- Regulatory AUM
- $347K
- AUM share
- 0.1%
- Avg. per client
- $347K
- Clients
- Fewer than 5
- Regulatory AUM
- $5.38M
- AUM share
- 1.0%
- Avg. per client
- $2.69M
Total
- Clients
- 373
- Regulatory AUM
- $539M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 1%
- Clients advised without assets under management last fiscal year
- 5
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 1–10
Access Wealth Planning charges up to 1.50% a year for its Investment Advisory Services. The fee is billed in advance and is negotiable. The brochure also prices 3 other services, listed under fee details.
Fee details and sources
Other fees
- Account Aggregation
- Account aggregation services carry a fixed fee of $1,000 to $5,000 per year, negotiable in Access Wealth's sole discretion.
- Combined Planning and Advisory
- A combined flat fee for financial planning and investment advisory typically ranges from $8,000 to $18,000 per year, billed quarterly; the fee is negotiable.
- Financial Planning
- Financial planning is a fixed fee, typically $1,500 to $5,000 depending on complexity, with 50% due on engagement; the fee is negotiable.
Darren Zagarola owns 50% to 75% of Access Wealth Planning. The leadership team of Access Wealth Planning includes Chief Compliance Officer Tracy Hagberg. It has 6 employees.
Leadership
- Tracy HagbergChief Compliance Officer
Howard MiloveMember
Howard HookMember
Darren ZagarolaMember
Investment adviser representatives
12 representatives listed in the SEC register as of 9 October 2026.
Staff
- 6 employees
- 6 in advisory functions
- 6 state-registered reps
- 1 broker-dealer rep
- 2 insurance agents
- 6 soliciting firms
- Owns 50% to 75% of Access Wealth Planning, LLC
Darren Zagarola
Control person · since January 2015
- Owns 10% to 25% of Access Wealth Planning, LLC
Howard Milove
Control person · since January 2015
- Owns 10% to 25% of Access Wealth Planning, LLC
Howard Hook
Control person · since January 2015
Access Wealth Planning’s regulatory assets grew from $362M (March 2021) to $539M (March 2026); clients rose from 351 to 373 and employees fell from 15 to 6. In 2008, EKS Associates joined it.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| March 2026 | $539M | 373 | 6 | 1 |
| March 2025 | $490M | 396 | 6 | 1 |
| March 2024 | $404M | 404 | 6 | 1 |
| March 2023 | $367M | 385 | 12 | 2 |
| July 2022 | $408M | 374 | 14 | 2 |
| March 2021 | $362M | 351 | 15 | 2 |
Firms that joined
20081 joined
- EKS AssociatesNo filed AUM
Firms whose SEC withdrawal reports a sale to this firm, and deals reported in the press. Teams that moved without selling a registered firm may not appear.
Besides its headquarters, Access Wealth Planning has 0 offices, with 1 listed address in New Jersey.
New Jersey · 1 listed address
- 120 Eagle Rock Avenue, Suite 230, East HanoverHQ
Other business names
Access Wealth Planning has reported 1 other business name to the SEC.
- Access Wealth
Contact and registration details
- Legal name
- Access Wealth Planning, LLC
- Headquarters
- 120 Eagle Rock Avenue, Suite 230, East Hanover, NJ 07936
- Website
- access-wealth.com
- Phone
- 973-740-2400
- SEC file
- 801-60406
- Structure
- New Jersey LLC
- Fiscal year end
- December
Access Wealth Planning uses Charles Schwab ($539M) as custodian for its separately managed accounts. Access Wealth Planning has custody of $116M in client assets for 122 clients.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $539M100%
At year end, Access Wealth Planning’s separately managed accounts were mostly in funds (64%) and stocks (25%).
What the accounts hold
- Stocks25%
- Funds64%
- Bonds4%
- State and local bonds3%
- U.S. government and agency bonds1%
- Cash7%
How many clients does Access Wealth Planning have?
Access Wealth Planning has 373 clients and manages $539 million for them, as of March 2026. They include 242 individual clients, 121 high-net-worth individuals, and 7 pension and profit-sharing plans.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 24 March 2026
What services does Access Wealth Planning offer?
Access Wealth Planning provides financial planning, portfolio management for individuals and small businesses, selecting other managers, education planning, estate planning, insurance, philanthropic planning, and tax planning.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
How much does Access Wealth Planning charge?
Access Wealth Planning charges up to 1.50% a year for its Investment Advisory Services. The fee is billed in advance and is negotiable.
Which custodians does Access Wealth Planning use?
Access Wealth Planning’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $539M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 24 March 2026
How many financial advisors does Access Wealth Planning have?
Access Wealth Planning has 6 investment adviser representatives registered with state securities authorities, out of 6 employees, and 6 perform investment advisory functions. 1 employee is a registered representative of a broker-dealer and 2 employees are licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Access Wealth Planning invest in?
At the end of its last fiscal year, Access Wealth Planning’s separately managed accounts held 64% registered funds (mutual funds, ETFs, BDCs), 25% exchange-traded equities, 7% cash and equivalents, 3% state and local bonds and 1% U.S. government and agency bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Access Wealth Planning?
Access Wealth Planning’s direct owners are Howard Milove (10% to 25%), Howard Hook (10% to 25%) and Darren Zagarola (50% to 75%).
Source: Form ADV Part 1A, Schedules A and B, filed 24 March 2026
How does Access Wealth Planning get paid?
Access Wealth Planning is paid through a percentage of assets under management and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
Is Access Wealth Planning registered with the SEC?
Yes, Access Wealth Planning has been registered with the SEC as an investment adviser since 1 July 2001. Its CRD number is 112973 and its SEC file number is 801-60406.
Source: Form ADV Part 1A, Item 1, filed 24 March 2026; IAPD firm record
How do I contact Access Wealth Planning?
Access Wealth Planning’s main office is at 120 Eagle Rock Avenue, Suite 230, East Hanover, NJ 07936. Its phone number is 973-740-2400. Its website is access-wealth.com.