We Are Covid-19 Compliant

We will keep a safe 6 feet distance. We also can provide a mask for you, as well as hand sanitizer.

Foundation Insurance Services, LLC

Helping You Plan For a Financially Independent Future

Foundation Insurance Services, LLC is offering a free guide that walks you through the new changes to Social Security claiming rules’ impact on your Social Security options. Social Security planning remains a necessary source of reliable income you cannot outlive.


(908) 791-3831

Our Locations

Short Hills


Discover when, why, and how to maximize your benefits

Maximize Your Social Security

Build The Foundation of a Stable, Secure Retirement Income Plan.


Since we don’t know how long we will live, it’s often necessary to use an annuity when evaluating life time income options.

Cash Flow Planning

Cash flow planning is a crucial component of any comprehensive financial plan. We have the tools to get you through your retirement.

Frederick Saide on 103.7 Tri-States Radio

Tune in Saturdays from 6 to 7 am on 103.7 FM “Tri-States Radio” an iHeart Radio station, and learn the latest on retirement planning.

MoneyMattersUSA® with Fred Saide

Listen to our Podcast MoneyMatters with Fred Saide on all the leading podcast sites.

If you are age 55 you are entering the Retirement Red Zone. If you are five years before retirement or five years into retirement it’s a critical time when you have less time to recover from mistakes and poor investment performance. Our Guide helps explain the pitfalls which include (not limited to) Sequence Risk, Longevity Risk, and Behavioral Risk. Click here to download the Guide. We are available to answer your questions book a time to speak here.

About Foundation Insurance Services LLC

Meet Frederick Saide

Fred specializes in advising those transitioning into retirement and those already retired answer the questions that most perplex them: how do I harvest income in the most tax efficient way? Retirement income comes from integrating assets which form a three legged stool. Harvesting assets in the most tax efficient manner makes the difference between a successful or a stress filled retirement. Contact us today for an initial complementary consultation. We never charge for the initial session.

Life is filled with curve balls. Being able to
change on the fly is necessary to retire successfully. Fred discusses what it takes to make the necessary adjustments to switch from accumulation to deaccumulation. Up for the conversation?

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Our Mission

We are business to consumer-driven. Not only do we work directly with consumers, we also work with business owners & high net worth individuals who want concierge quality.

Why FIS?

Our purpose is to be the trusted advisor to individuals, business owners, executives, & professionals looking toward retirement.

Foundation Insurance Services LLC operates only in the state of NJ. No offer may be made or accepted from any resident outside the state of NJ.

Foundation Insurance Services LLC and MoneyMattersUSA, Advisory LLC are independent companies with common ownership. Advisory services are offered through MoneyMattersUSA, Advisory LLC and Insurance services are offered through Foundation Insurance Services, LLC; Frederick Saide Financial Advisor. Frederick Saide is not connected with or endorsed by the United States Government, the federal Medicare program, Medicaid program, or the Social Security Administration.