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Financial Planning in Middletown, NJ

Client Centered

Whether you're looking for comprehensive financial planning,  hands-on wealth management, or a trusted financial advisor in Middletown, the work we do is the same: understanding your full picture and helping you make confident decisions. At Oceanic Capital Management, we're an independent, fiduciary advisory firm serving individuals and families in Middletown, NJ and across Monmouth and Ocean County; local, independent, and legally bound to put your interests first, every time.

Sound financial guidance is more than an investment account and a retirement date. It's a coordinated strategy that connects your income, taxes, investments, insurance, and estate into a single plan that evolves with your life. Based just minutes from Middletown in neighboring Red Bank, we understand the financial realities of living here: New Jersey's property and income taxes, the cost of putting kids through college, and what it takes to retire comfortably. Whatever you need  financial planning, wealth management, or straightforward financial advice your strategy should reflect all of that. 

Comprehensive Financial Planning

What Is Comprehensive Financial Planning?

A real financial plan ties every piece of your financial life together so the decisions you make in one area support the others. When you work with our team, your plan can address:

Wealth Management & Goal Planning

Coordinating and actively managing your investments, planning, and overall financial picture in one ongoing relationship, so every decision works together as your wealth grows.

Retirement Planning

Building a sustainable strategy for Social Security timing, withdrawal sequencing, and healthcare costs so your money lasts as long as you do.

Investment Management

Constructing a diversified, low-cost portfolio matched to your goals, time horizon, and tolerance for risk.

Tax Planning

Coordinating your investments and income to reduce what you owe, with particular attention to New Jersey’s tax environment.

Estate & Legacy Planning

Working alongside your attorney to transfer wealth efficiently and protect the people you care about.

Insurance & Risk Review

Making sure the right protections are in place so an unexpected event doesn’t derail the plan.

We don’t sell one-size-fits-all products. We build a plan around you, then revisit it as your life changes.

Why Choose Us

Why Middletown Families Choose Oceanic Capital

Choosing a financial planner is one of the most consequential decisions you’ll make for your family’s future. Here’s what sets our approach apart.

01

We’re fiduciaries, always

As a fiduciary firm, we are legally and ethically obligated to act in your best interest. Our advice is never driven by commissions or sales quotas. When you do better, we do better.

02

We know the area

Our office sits in Red Bank, just up the road from Middletown, and we work with families across Monmouth County every day. We understand how New Jersey’s property taxes, state income tax, and estate rules shape the financial decisions of local families, and we plan accordingly. Generic, out-of-state advice misses these details. We don’t.

03

Your plan is genuinely personal

There is no template. We take the time to understand your situation, your goals, and your concerns before we recommend anything. Whether you’re saving for a first home in Lincroft, putting children through college, or preparing to sell a business, your plan is built for your circumstances.

04

Transparent, conflict-free pricing

Our fee structure is straightforward, with no hidden costs. As a fee-based advisory firm, our compensation is tied to your success, not to the products we sell.

05

A relationship, not a transaction

Financial planning is a journey, not a one-time event. With over 50 years of combined experience guiding clients through bull and bear markets, our advisors stay by your side through every life transition.

Your goals deserve a plan built around them, and an advisor dedicated to putting you first. Let’s review where you stand and map out the steps ahead, together.

Review My Financial Plan

Serving Middletown from Our Red Bank Office

Our office is located in Red Bank, just minutes from Middletown, and we serve families throughout Monmouth and Ocean County. Because we meet by phone, video, or in person, we’re always as close as you need us to be. Whether you’d like to stop by the office, sit down with us closer to home, or handle everything remotely, we make working together easy.

Communities We Serve

  • Middletown
  • Lincroft
  • Holmdel
  • Rumson
  • Colts Neck
  • Tinton Falls
  • Red Bank
  • Monmouth & Ocean County

Not located in Middletown or Red Bank? We work with clients throughout New Jersey and beyond. Distance is never a barrier to good planning.

Meet Your Advisors

The People Behind Your Plan

With over 50 years of combined experience, our advisors have guided clients through bull and bear markets and countless life transitions. Get to know the team you’ll be working with.

Douglas J Lyons, CFP®, CFA®, CDFA®
Douglas J Lyons, CFP®, CFA®, CDFA®
Managing Director

Doug brings more than 30 years of experience helping clients pursue their goals through tailored, comprehensive wealth management. He previously served as Executive Director of Private Wealth Consultants at UBS and was part of Merrill Lynch’s High Net Worth planning team. A longtime Bay Head resident, he enjoys tennis, sailing, surfing, and golf.

View full profile → Thomas H. Yorke, CFP®
Thomas H. Yorke, CFP®
Managing Director

Tom is a seasoned professional with over 30 years of institutional and retail investing experience, specializing in financing, fixed income, and portfolio diversification. His Wall Street career spans EF Hutton, Lehman Brothers, and Refco Securities. A lifelong Monmouth County resident, he is active in charitable causes including Clean Ocean Action.

View full profile →

Frequently Asked Questions

Yes. Financial planning is the core of our work, but we serve as a complete financial advisor and wealth manager for our clients — managing investments, providing ongoing advice, and coordinating every part of your financial life. As a fiduciary firm in the Middletown area, we’re obligated to act in your best interest in every one of those roles.
Yes. For clients who want hands-on, ongoing management of their investments and broader financial picture, we provide wealth management built around your goals and risk tolerance. We serve Middletown and the surrounding Monmouth County communities from our Red Bank office, in person or remotely.
Yes. We help Middletown-area business owners plan for the eventual sale or transfer of their business as part of their overall financial strategy — coordinating the timing, tax implications, and personal financial goals so the transition protects both the value you’ve built and your future.
Absolutely. Many people come to us simply wanting to know whether their existing portfolio or plan still fits their goals. We offer a straightforward, no-obligation second-opinion review and will tell you honestly whether you’re on track — whether or not you decide to work with us.
Our office is in Red Bank, and we work with individuals, families, and business owners throughout Monmouth and Ocean County — including Middletown, Lincroft, Holmdel, Rumson, Colts Neck, and Tinton Falls. We meet in person, by phone, or by video, so we’re always as close as you need us to be.

We’re here to help

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