Retirement Planning in South Jersey
Retirement should feel like the reward it’s supposed to be, not a source of financial anxiety. At Independence Wealth, we help South Jersey residents navigate the transition into retirement with clarity and confidence.
Eric Nelson, CFP® and CEPA, works exclusively with retirees and those approaching retirement. As an independent fiduciary advisor, Eric’s only obligation is to you, not to a product, a commission, or a firm’s bottom line.
What Retirement Planning Actually Looks Like
Retirement planning isn’t a one-time event. It’s an ongoing process that coordinates your income, taxes, investments, Social Security, and estate plan into a single, cohesive strategy.
At Independence Wealth, your retirement plan addresses:
Retirement Income Planning How much can you spend, from which accounts, and in what order? We build a withdrawal strategy designed to make your money last — and minimize what you hand over to the IRS along the way.
Tax Planning for Retirees Taxes in retirement are often more controllable than people realize. We look at Roth conversions, account withdrawal sequencing, and coordination with Social Security to reduce your lifetime tax burden.
Social Security Optimization Claiming Social Security at the wrong time can cost you tens of thousands of dollars. We analyze your situation to identify the claiming strategy that maximizes your benefit.
Investment Management Your portfolio should match your life — not a generic risk questionnaire. We manage investments in a way that balances growth, income, and stability based on your actual retirement timeline.
Estate Planning Coordination We work alongside your estate planning attorney to ensure your accounts are properly titled, beneficiaries are correct, and your wishes are carried out the way you intend.
Why South Jersey Residents Work With Independence Wealth
Eric works with a select number of clients, which means you get direct access to your advisor — not an assistant, not a junior planner, and not a call center.
Frequently Asked Questions
When should I start retirement planning? Ideally, today! The decisions you make in the years leading up to retirement — around Social Security timing, Roth conversions, and account positioning — have an outsized impact on your financial security in retirement.
How much do I need to retire? There’s no universal answer. It depends on your expected spending, other income sources like Social Security or a pension, your tax situation, and how long you plan to work. We build a personalized projection so you know where you stand.
Are you a fiduciary? Yes. As a registered investment advisor, Independence Wealth is legally obligated to act in your best interest at all times.
How do I get started? Start with a conversation. There’s no cost and no commitment — just a straightforward discussion about your situation and whether we’re a good fit.
Ready to Talk?
If you’re approaching retirement or recently retired and want a clear, honest assessment of where you stand, we’d welcome the conversation.
Independence Wealth is a registered investment advisor serving clients throughout South Jersey, including Burlington, Camden, and Gloucester counties.