Welcome to Dworetsky Financial

Helping You Secure Financial Peace-of-Mind

Reduce Your Financial Risk In Retirement

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About Us

Who We Are At Dworetsky Financial
Eddie Tan

Matthew Dworetsky | Retirement Planning Specialist

As one of the top advisors in the industry, Matthew has been honored with the Million Dollar Roundtable Award 4 years in a row, which is an award only given to the elite advisors in the top 1% of the industry. With a background working as a National Sales Manager for Federal Benefits at One Life America, you are hard pressed to find someone with more experience helping you plan for the later years in life!

Matt and his team have been helping clients maximize their retirement for 9 years by creating plans that are personal to each of his client’s goals. Whether you are a federal employee, small business owner, or any person looking to set up your retirement the right way, Matt is an advisor that will help you create a legacy and plan for retirement pitfalls.

Many financial advisors focus only on helping you accumulate assets. Matthew’s job is to help you look forward and plan-ahead to cut future tax bills and avoid unwanted risks. If you want to maintain a great standard of living to enjoy the finer things in life, Dworetsky Financial is here to help!

Our Financial Services

What We Do For Clients At Dworetsky Financial

What We Offer



Creating an income plan to last throughout retirement is perhaps the single most important challenge retirees will face. After all, with the fact that we’re all living longer combined with advanced medical science and technology, it’s very probable that people who are retiring today could spend 30 years or more living in retirement without earned income and only from social security and investments to support them. That’s a scary and very realistic thought.

That’s why we make income planning our top priority at our firm.  We help our clients establish a solid income plan guaranteed to last as long as they do. In other words, the income plans we prepare for our clients are guaranteed to “go the distance.” Even if that means they live to be 120 or older! They areguaranteed to always receive that monthly check.

If an income plan is the most important thing in retirement, peace of mind might be the second. Let us help you create and income strategy you can’t outlive so that you can enjoy retirement with confidence and certainty.

You’ve spent the last 40 years, or longer, in the accumulation phase of planning your retirement. Now it’s time to switch gears and focus on the preservationof your retirement assets. But it doesn’t mean that growth has to stop. In fact, that’s one of the ways we help our clients the most, by helping them receive a reasonable rate of return throughout their retirement years. The difference is, we do it without loss, guaranteed!

Did you know that Warren Buffett’s number one rule to investing is to never lose money? He also has a second rule and that is to never forget rule number one!

We specialize in helping our clients make asset protection and preservation their top priority. Many people underestimate the devastation of losses to their portfolio due to market declines and don’t realize how difficult it can be to rebuild an account.

Did you know that a loss of 25% requires a positive return of almost 34% just to get back to even? A 50% loss of your retirement account means you have to double your money (receive a 100% return) just to be whole again. Think about it. If you have $100,000 and lose 50%, you’re left with $50,000. Now you’re left with the unsurmountable task of going from $50,000 back to your original deposit of $100,000; a return of 100%. How long do you think that will take? Two years? Five years? Ten years or more? What if you experience additional losses in the process of trying to get back to even? What if you’re drawing income from this account? What kind of impact will that have?

We believe that the best way to make a dollar is to keep it. Retirement is a critical time and most retirees simply don’t have the time to recoup losses in their portfolios. Let us show you how we help our clients achieve a reasonable rate of return, in many cases averaging 4 to 6%, and without ever subjecting their retirement accounts to loss – guaranteed!

Many of our clients are the ones with the bumper sticker on the back of their RV that says, “We’re spending our kids’ inheritance,” but for many others, their goal is to leave a legacy for their children and grandchildren. That means determining (while you’re still alive) where your assets should go after you die, along with a thorough evaluation of potential tax liabilities, probate avoidance and opportunities to leverage the value of your estate using the most recent estate planning tools.

Because of the constantly changing estate tax laws and emerging vehicles to help you protect and transfer your assets effectively, it’s important to work with experienced estate planning professionals who stay current in this filed and advise clients on a day-to-day basis.

Contact our office today to schedule a one-on-one estate planning consultation.

Changing jobs and retiring are two transition times in our lives that can be stressful. Fortunately, we work with people every day who are in the same situation and looking to take control of an employer-sponsored plan or just need help transferring the money to another employer plan. We make a seemingly daunting task easy and are happy to help you with your qualified plan questions and needs.

Here are four things you can do with the money in your employer sponsored retirement plan:

  • Leave the money where it is
  • Take the cash (and pay taxes, plus a 10% tax penalty if you are younger than age 59 ½)
  • Transfer the money to another employer-sponsored plan (if the plan allows)
  • Roll the money over to a self-directed IRA

Let us help you determine if a rollover is the right move for you!



We provide FREE no-obligation benefits planning reviews provided by one of our local federal benefits counselors. In addition to the FREE benefits planning reviews, you will also receive a Federal Employee Benefits Analysis Report. These personalized and exclusive reports will help federal employees from all branches and departments navigate through the complicated waters of understanding their benefits options before and at retirement. The FREE Federal Benefits Analysis Report is the beginning of that journey, and it will be put together by a local federal employee specialist and advisor who will customize this personalized report for you at NO COST.

We realize that federal benefits can be foggy, so we have developed the tools to help you have clarity and the confidence you’re making the best decisions at retirement. If you’re confused by the lingo, the daunting definitions and the variations buried within your federal benefits, we can help you maximize your federal benefits and create tax free retirement strategies.



Distributions are tax-free at any time by optimizing your retirement portfolio. You can increase your account’s return potential by eliminating taxes, which saves you from any future shock during retirement when taxes are likely to be higher and when you will have fewer deductions.


I can provide you a detailed look at your retirement picture. This analysis will help answer the following questions:
• Can I continue my present standard of living into my retirement years?
• When can I retire without running out of money?
• How can enhancing my Social Security benefit help my specific situation?
• How could my situation change during challenging economic times?
• How would it affect my family if I die prematurely?
• How would it affect my family if I enter a nursing facility?
•What are the possible solutions if my situation changes?

Contact Us

How Can Dworetsky Financial Help You?

How Can We Help You?

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Dworetsky Financial

1959 Route 34, Suite 201
Wall Township, NJ 07719
(732) 282-2147

Dworetsky Financial

1959 NJ-34 #201
Wall Township, NJ 07719