Your Local Bergen County Fee-Only Financial Advisors and Investment Managers.

Serving Bergen County And All Of Northern New Jersey Including:

Oakland, Wyckoff, Waldwick, Ridgewood, Westwood, Park Ridge, Fair Lawn, Paramas, Bergenfield, Hackensack, Englewood, Fort Lee, Ringwood, Ho-Ho Kus, Saddle River, River Vale, Old Tappan, Woodcliff Lake, Franklin Lakes

  • Definition: At-las

    a person who supports a
    heavy burden; a mainstay

  • Definition: Fi-du-ci-ar-y

    a person to whom property or power
    is entrusted for the benefit of another

Serving as a fiduciary is a tremendous responsibility and requires putting our clients first 100% of the time. Our belief is that the financial services industry can and should help people use money as a tool to achieve better results and greater fulfillment in their lives. Financial advisors must behave as if they are advising a family member; without an agenda, a sales motive or conflict of interest. To give top quality advice, the advisor must have financial degrees from a university and years of experience in finance so they can properly convey the pros and cons of their client’s options. It also requires the advisor to work independently, without influence to serve their client as the only boss they need to satisfy. We came to this belief separately, early in our careers.

Why Choose Atlas Fiduciary Financial?

Our unique science-driven approach to planning and investment management is backed with the integrity of a Fee-Only Fiduciary and delivered by an always-available team, with the industry’s highest levels of education and experience. We are passionate about creating personalized portfolios aligned with your goals and risk tolerance.

Signed fiduciary commitment

The signed fiduciary oath we provide each client. Our commitment to your success is in writing.

Advanced and relevant education

Our advanced and relevant education (every member of our team is either a BS, MS or PhD in Personal Financial Planning and Investments)

Gold-standard certifications

Our advanced gold-standard certifications (CFP®, CFA®)


Our years of experience (Senior advisors have over 30 years working in senior levels of finance for CEOs, business owners and individuals)

Personal client relationships

Our relationships are personal. We are a boutique firm where clients are encouraged to stop by our office any time, have our cell phone numbers, and know we care about them personally.

Available for you face-to-face

Our clients are our neighbors and our friends, and our partnership is valued and long-lasting.

Fee-Only Financial Advisors In Oakland NJ

A lot of firms throw around the term Fiduciary, and unlike Atlas Fiduciary Financial some of these firms do really not even qualify to use that distinction. But we get asked all the time what does fee-only fiduciary even mean? To put things simply …

The client is our only boss Our advice is purely independent, objective and merit-based.

New Jersey Is Our Home

We Are Here For You In
Northern New Jersey & NY

Our office is located at: 393 Ramapo Valley Road, Suite 2, Oakland, NJ 07436

We are honored to be a member of the Bergen County community as Fiduciaries, providing financial planning and investment management services, to help you live your best life.

Please stop by our Oakland Office at 393 Ramapo Valley Road

We are here Monday through Friday between 9-5 or make an appointment to ensure our availability at 941-879-9290.

Our investment approach involves empirically proven, cutting-edge techniques to deliver return and income with less risk.

As scholars, studying investment theory and working with nationally-known Ph.D.’s, we use advanced theory beyond the 1990 Nobel-Prize winning principles of asset allocation and risk management. As known industry thought leaders, we collaborate with other professionals to continuously enhance our approach.

What Exactly Is The

S.M.A.R.T.E.R. Approach To Financial Solutions?

Scientifically Managed Assets
Requiring Trust, Education & Responsibility

Simply put, the SMARTER system is the confluence of our Scientifically-based management strategies rooted in decades of real-world experience, backed by Fee-Only Fiduciary commitments and provided with relationship-building, ongoing personal service for our client’s needs and goals.

What Does This Mean For Mean For You?

Your needs, goals and aspirations are placed in the center of the most effective asset management strategies, executed by Fee-only Fiduciaries with industry leading education, and delivered with personal service, that leads to long-term success and relationships.

As your needs change so will your financial solutions. With our ongoing personal service, the SMARTER system provides financial solutions that evolve with both client and, the financial environment affecting their life.

Our Promise To You

As scholars, studying investment theory and working with nationally-known Ph.D.’s, we use advanced theory beyond the 1990 Nobel-Prize winning principles of asset allocation and risk management. As known industry thought leaders, we collaborate with other professionals to continuously enhance our approach.

Superior Qualifications

Education matters since it facilitates the ability to assess what is best for the client. Every person we hire has a minimum of a university financial degree and a CFP® designation. Senior members of our team hold terminal university financial planning degrees and gold-standard financial planning and investment credentials.

Fiduciary Promise

Be certain, your interests always come first. From the day our firm was founded we’ve provided strictly fee-only financial advice. That means your advisory fee is our only compensation. Unlike fee-based advisors who are often paid in part by the companies whose products they recommend, Atlas Fiduciary Financial does not accept commissions, referral fees or any other compensation from outside sources. As a result, you can feel confident that our guidance is free of bias, objective and based upon merit, using an analytical evaluation of your options. And we will share our thought process so you understand and feel confident you are making the right choice.


Education matters since it facilitates the ability to assess what is best for the client. Every person we hire has a minimum of a university financial degree and a CFP® designation. Senior members of our team hold terminal university financial planning degrees and gold-standard financial planning and investment credentials.

Proactive Action Discipline and Communication

Life transitions cause financial stress making it difficult to make the right decisions. We listen deeply to uncover your unique needs in addition to explaining the pros and cons of each potential solution to foster an empowered decision.

Peace of Mind

We help you control the controllable, to achieve goals and protect against risk.


Our client relationships are genuine and rewarding. We are grateful and humbled to do meaningful work contributing to our client’s well-being.

Contributing to Your
Financial Peace of Mind

Contributing to Your Financial Peace of Mind

At Atlas Fiduciary Financial, we care about our clients and are humbled by the opportunity to contribute to your long-term success. By helping you control particular aspects of your financial life, we aim to guide you away from making mistakes and instead focus on what really matters to you.

Who We Are

Stephen C. Craffen
CIO AND Senior Fee-Only Planner Stephen C. Craffen CFP®, CFA®, ChFC, CLU

Steve worked as an engineer for about 10 years before changing careers and joining Prudential. After a few years, he became disenchanted with the sales-oriented approach to delivering financial advice since it did not have the client’s best interests at heart and he believed strongly in the value of financial planning. In 1993 he left Prudential and founded an independent advisory firm, and in 1998 joined the National Association of Financial Planners (NAPFA). Today he leads the Northern, NJ office for Atlas.

Steve feels so strongly about NAPFA and its mission to “fix” the way advice is delivered to consumers that he has been involved as a volunteer for many years in many roles, serving as eastern region chair and president and gradually rising through the ranks of governance until he was elected to the highest position, Chair of the National Board (2018-2019). NAPFA membership was a natural fit for us since we believe the client comes first and that providing detailed financial planning is key to the success of our clients.

Steve loves helping people organize the financial aspects of their lives and planning for their future whether it will be for early retirement, buying a second house or even just helping to provide a feeling of security in knowing that you can achieve your goals and dreams in life. He particularly likes to work with executives, professionals and business owners.

CEO + Founder Dr. Laura Mattia PH.D., MBA, CFP®

Atlas Fiduciary’s principal, Dr. Mattia, is committed to the profession and the community. In 2016 after moving to Sarasota she was hired by the USF Business College Dean to work with the state of Florida to create a new registered Certified Financial Planners™ degree, ultimately ensuring that the people of Florida are better served by a new breed of educated financial planners.

Dr. Mattia’s Ph.D. academic research has made her aware that 78% of single-female-headed households in Florida are financially struggling and baby boom women are less financially literate than men, putting them at risk when they become divorced or widowed. Many of these women seek assistance from the Women’s Resource Center (WRC), a 501(c)(3) located in Sarasota, Manatee and Venus. Dr. Mattia wanted to help so she created the Women’s Money Empowerment program at WRC, where women (or anyone in need) can receive pro bono financial advice, financial education, and overall financial guidance as they navigate through life transitions

Dr Laura Mattia recognized as an Amazing Women on Suncoast View Television

Our Team

All advisors at Atlas Fiduciary Financial are distinguished as Certified Financial Planner (CFP®) Fee-Only Professionals, and participate in various programs of continuous education.

A Team Of Highly Educated Financial Advisors With Top-Industry Credentials

Three of Atlas’ team members also have MBAs, and two have Ph.D.s. Additional certifications include: CFA and CPWA®—both advanced certifications in investing— and the CLU and CHFC certifications in insurance.

 Want to learn more about working with us?

Want to learn more about working with us?

We can meet in person if you live near our offices in Sarasota, Florida or Oakland, NJ, or we can meet virtually no matter where you live. Contact Us to set up an appointment.

Atlas Fiduciary
Northern New Jersey Office

New Jersey Financial Planning FAQs

What Makes The Best Financial Advisor In Northern New Jersey?

In New Jersey, discerning individuals seek out a financial advisor who not only understands their needs but also aligns with a philosophy of unwavering integrity and transparency. Atlas Financial stands prominently as such a Fee-Only Fiduciary, where we ensure that every piece of advice and strategic planning is conducted with your best interests at the forefront. Our Fee-Only model means our advisors' sole compensation comes from client fees, not commissions, allowing us to provide unbiased and tailored financial planning strategies designed to achieve your personal and financial aspirations.

Our dedication to being the top Fee-Only Fiduciary in New Jersey is evident in our personalized approach to financial planning. Understanding that every client's situation is unique, Atlas Financial shuns the one-size-fits-all approach, instead crafting bespoke plans that resonate with your individual goals, whether you're navigating the vibrant urban financial landscapes or the quiet suburban retreats of the Garden State.

At Atlas Financial, transparency is not just a policy—it's our focus. As a trusted Fee-Only Fiduciary in New Jersey, we provide clear, upfront pricing, ensuring you are fully informed about the cost of our services. Our commitment to ethical standards is unwavering; we hold ourselves to a fiduciary standard that mandates we act in the best interest of our clients at all times. This strong ethical foundation is the cornerstone of the trust our clients place in us to manage their wealth and guide their financial decisions.

Our investment management philosophy is proactive and informed, benefiting from strategic, research-driven decisions that optimize portfolio performance while minimizing risk. This approach, free from the constraints of selling products, focuses solely on performance that aligns with our clients' financial objectives. At Atlas Financial, collaboration is key—we believe that the most successful financial outcomes are achieved through partnership. Our Fee-Only Fiduciaries are not just advisors; we are your partners in financial success.

When you start your journey with Atlas Financial, you're choosing the pinnacle of financial guidance and service. Our comprehensive financial planning in New Jersey takes into account all aspects of financial wellness, from estate planning to tax strategies, ensuring a cohesive strategy that adapts to life's changes. Our team's expertise, backed by years of experience and a deep understanding of both local and broader economic landscapes, provides sophisticated advice that anticipates trends and navigates financial intricacies.

We empower our clients through education and engagement, enabling them to make informed decisions with confidence. Our personalized portfolio management reflects each client's individual life goals, risk tolerance, and timeline.

Choosing Atlas Financial means building a relationship based on trust. Our Fee-Only Fiduciary commitment in New Jersey ensures that we are transparent, responsive, and always accessible. We invite you to join the many New Jersey residents who have entrusted us with their financial advisory needs.

To experience the difference a true Fee-Only Fiduciary in New Jersey can make, contact Atlas Financial today. Let's begin the conversation about your financial future and chart a course toward achieving your dreams. Your journey to financial security and prosperity starts with Atlas Financial, where your best financial future is our sole focus.

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