Financial Planning for Retirees
Build Your Best Future With Our Financial Advisors
At Ausperity Private Wealth, we help retirees design thoughtful, tax-aware income strategies that integrate all available sources—investment accounts, pensions, and Social Security—into a cohesive, sustainable plan. The goal is simple: to convert your assets into dependable income without sacrificing flexibility or peace of mind.
Especially with Social Security, timing and coordination are key. Whether it’s delaying benefits for a larger payout or aligning your plan with a spouse, we’ll guide you to make the most of what you’ve earned.
Common Questions Our Wealth Management Advisors Hear From Retirees
ALL SERVICES- What should I look for in a retirement or estate planner?
- What are the most critical components of a successful retirement plan?
- Who can I trust for retirement advice near me?
- When should I take Social Security?
- How do I set up an income stream that adjusts to the market?
- How do I protect my family from taxes?
- What happens if I need long-term care later?
- How do I update my estate plan to avoid probate?
The Benefits of Our Retirement Planning Moorestown, NJ Experts
Get Expert Advice on Your Retirement Goals
Case Study
The Challenge
A recently retired married couple approached us to help manage their assets. They both worked for Fortune 100 companies, and each had substantial 401(k) assets and pensions.
They were hesitant to retain the full burden of managing their wealth on their own, given the consequences of making a mistake. They wanted the ability to go online and conveniently see up-to-date information.
The Solution
We started by creating a financial plan with a cash flow model that tested several distribution strategies, as these clients had the ability to take their pension as a lump sum or as monthly annuity payments. We identified the time horizon and degree of withdrawals from their retirement assets and set an allocation to utilize our “active rebalancing” strategy.
The non-retirement assets were not being managed in a tax efficient manner, so we made a few changes to reduce taxable income. We discussed the benefits of a different income strategy; Roth conversions, as their financial plan showed a substantial increase in taxes due to required minimum distributions (RMDs). We set a Social Security claiming strategy specific to them and their customized plan and will review and update their plan yearly to keep the clients on track and continue to give them confidence in their financial decisions.
With greater clarity around their financial picture, the clients recognized they could sustain their lifestyle while beginning an annual gifting strategy for their two children. As part of our comprehensive wealth management services, we extended planning support to the next generation—developing financial plans for each child and overseeing the investment of the annual gifts alongside their broader assets.
The client scenarios are presented for illustrative purposes only and are not representative of all client experiences. Past performance is not a guarantee of future results. No part of this scenario should be understood as a recommendation of an investment product or strategy or construed as individualized investment, tax, or legal advice.