Financial Planning for Your Whole Financial Life

More than half of Americans (51%) believe it's likely they will outlive their savings — yet more than a third (35%) say they have taken no steps to address it.¹

When most people think about working with a financial advisor, they picture investment accounts and portfolio allocation. Investment management matters, but it is only one piece of a broader picture.

A true financial plan also addresses how much you need to save to reach your goals, when and how to draw down your assets in retirement, how to structure your income in a tax-aware way (see your tax advisor for details), what risks could derail your progress and how to protect against them, how to coordinate beneficiaries and legacy intentions with your estate documents (ask your estate attorney about this), and how your cash flow today either supports or undermines everything else.

Many families we meet in Marlton, Cherry Hill, Medford and Mount Laurel have the pieces — accounts, policies, intentions — but not a plan tying them together. That gap is where coordinated financial planning makes the largest difference.

"Financial planning isn't a product you buy once — it's a process that adapts as your life changes. The plan we build together today is a foundation, not a final answer."

— Scott Jones, BFA^™ CPFA^® CRPC^® RFC^®, Founder, Genesis Wealth Advisor Group

Our behavioral finance approach means we spend time early in the relationship understanding not just your numbers, but your relationship with those numbers. We talk about what genuinely concerns you, what you've experienced in past downturns or transitions, and what kinds of financial situations tend to produce anxiety or avoidance. From there, we build guardrails into the planning process itself — so you have structure to lean on when markets are noisy or life gets complicated.

For families across South Jersey and the Greater Philadelphia area, this is often one of the most meaningful parts of what we do together. 

Every plan we build is customized, but most comprehensive financial plans address the following areas.

What Does a Retirement Income Strategy Look Like?

We look at your current savings trajectory, Social Security timing, workplace plan options, and what a sustainable income stream could look like once you stop working. The goal is a clear picture of whether what you're building will support the life you have in mind — and for how long.

How Does Tax-Aware Planning Fit Into Your Financial Plan?

Tax-aware planning looks at how your accounts are structured, which accounts to draw from and in what order, and whether strategies like Roth conversions or tax-loss harvesting make sense in your situation (see your tax advisor for details). Taxes are not something to address only in April — they are a year-round planning consideration. Coordination errors are among the most costly mistakes we see in financial planning. Our free guide covers seven of the most common: 7 Common Planning Mistakes.

How Do You Protect Your Plan from the Unexpected?

A plan is only as strong as its ability to withstand the unexpected. We review life, disability, and long-term care insurance coverage to identify gaps and ensure your plan isn't built on assumptions that a single event could undermine.

Why Does Estate Coordination Matter in Financial Planning?

Beneficiary designations, account titling, and the intentions you have for your assets need to align with one another and with your estate documents (ask your estate attorney about this). We review what you have in place, flag potential conflicts, and coordinate with your estate attorney when needed.

How Does Your Cash Flow Affect Everything Else?

Everything begins with cash flow. We review what is coming in, what is going out, and whether the gap between the two is moving you toward your goals or quietly working against them. For business owners and dual-income households especially, this review often surfaces opportunities that weren't previously visible.

Financial planning is valuable at almost every stage of life, but it tends to carry the greatest weight at certain transitions.

Pre-retirees in the 5–15 year window — Those who are close enough to retirement to make meaningful adjustments, but still have enough time to course-correct. Families throughout Marlton, Moorestown, and Haddonfield often come to us in this window with a strong base and real questions about whether they're on track.

Business owners — Managing personal finances alongside a business adds complexity around income variability, tax structure, retirement plan options, and exit planning. We work with business owners across South Jersey and the Greater Philadelphia area who need both perspectives held together. Business owners with complex planning needs across retirement, taxes, estate, and protection planning often find the Genesis Premier Virtual Family Office™ is a strong fit for their situation.

Families navigating major transitions — Divorce, the loss of a spouse, an inheritance, a job change, or the departure of children from the household all create moments where the existing financial picture needs to be revisited with fresh eyes.

Retirees seeking a second opinion — Some clients in Cherry Hill, Voorhees, and surrounding communities come to us a year or two into retirement with a plan already in motion. They want to know whether the withdrawal strategy, the investment allocation, and the tax approach they're using are working as well as they could be.

In each case, the starting point is the same: a candid conversation about where things stand and what matters most.

Financial planning at Genesis Wealth Advisor Group is not a one-time event. It is an ongoing relationship built around your life as it changes over time.

Common Questions

What Happens in the First Meeting?

We begin with a no-pressure meeting to understand your situation, your goals, and the areas of your financial life that feel most uncertain or in need of attention. There is no commitment involved in this first conversation — just a genuine effort to understand where you are and whether we can be genuinely useful.

How Is Your Financial Plan Built?

Once we understand your full picture, we gather the detailed information needed to build a written plan: income, assets, liabilities, insurance, estate documents, tax returns, and benefit statements. From there, we design a strategy that addresses your priorities in a coordinated way — not as isolated recommendations, but as a coherent whole.

How Are Plan Recommendations Put Into Action?

For the parts of your plan that involve investment management, we handle implementation directly. For areas involving legal or tax professionals, we coordinate the conversation and help ensure the right people are aligned (ask your estate attorney and tax advisor about their respective roles).

How Often Should Your Financial Plan Be Reviewed?

Life changes. Markets move. Tax laws are revised. We schedule regular reviews to keep your plan current, identify new opportunities, and address anything that has shifted since the last time we sat down together. For clients throughout South Jersey — from Mount Laurel and Marlton to Haddonfield and Cherry Hill — these reviews often take place in person at our office at Five Greentree Centre in Marlton. We also meet virtually with clients in Pennsylvania, Delaware, Florida, Texas, Virginia, and other states where we are appropriately registered.

Our first priority is helping you take care of yourself and your family. We want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of my foundation of success.

¹ Northwestern Mutual 2025 Planning & Progress Study

Last Updated: April 29, 2026