Retirement Income Planning | Marlton, NJ Advisor

The typical retiree has just $288,700 saved — barely a third of the $823,800 they say they need.¹ And in 2025, one in four workers reduced their retirement contributions.²

Your Paycheck Stops. Your Decisions Continue.

Retirement income planning is about more than replacing a paycheck. It’s about creating a steady, tax‑aware stream of income from the savings you’ve built over many years, in a way that supports your life and the people you care about.

At Genesis Wealth Advisor Group in Marlton, New Jersey, we sit down with individuals, families, and business owners to work through a simple but important question together: “Will what I’ve saved support the life I have in mind — and for as long as I might need it?”

Rather than looking at investments in isolation, we bring the moving parts into one coordinated plan — Social Security timing, 401(k) and IRA withdrawals, pension decisions, tax‑bracket management, Roth conversions, and risk protection — so you can see the full picture and understand the trade‑offs.

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"Most people spend decades focused on building savings. Far fewer have a clear plan for how to actually use it. That transition — from saving to spending — is where the real planning work begins."

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

Who We Typically Help

Retirement income planning can be valuable for almost anyone approaching retirement, but it tends to be especially important if you are:

Within about 10 years of retirement and want a clearer picture of whether your current savings and spending line up.
An employee at a larger employer (such as FedEx, Northrop Grumman, Comcast, Delta, or a hospital system like Kaiser Permanente or CommonSpirit) and you want to see how your 401(k), pension, or deferred compensation fit into an overall plan.
Already retired and wondering if the way you’re drawing from accounts today is the best way to support the future.
A surviving spouse who needs help reshaping income after the loss of a partner.
Business owners navigating both personal retirement income and the financial complexity of a potential sale often benefit from the coordinated approach we offer through the Genesis Premier Virtual Family Office™.

The goal is the same in each case: a plan that feels understandable, fair, and consistent with your priorities — not just a set of numbers on a page.

What a Retirement Income Plan Covers

Every plan is customized, but most retirement income strategies we build touch on the following areas.

When Should You Claim Social Security?

Social Security is one of the few lifetime income sources most people will have, and when you claim can significantly change the total benefits you receive. We walk through different claiming ages, spousal and survivor benefits, and how those decisions interact with your other income so you can choose a path that fits your situation and comfort level.

Our business is built on a foundation of thoughtful client relationships.

Which Accounts Should You Draw From First in Retirement?

You may have several types of accounts — 401(k)s, IRAs, Roth accounts, and taxable investment accounts. Which one you draw from first can affect both how long your money lasts and how much you pay in taxes over time. Together, we look at your current and expected tax brackets and build a withdrawal sequence that seeks to keep more of your money working for you. Many of the sequencing and coordination errors we see most often in retirement planning are covered in our free guide: 7 Common Planning Mistakes.

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We also Cover:

What Should You Do With Your 401(k) When You Retire or Change Jobs?

If you are retiring or changing jobs and have a 401(k) at a company like Apple, AT&T, GM, John Deere, or Eli Lilly, deciding what to do next is a key step. We review the options your plan allows, compare them to IRA or Roth alternatives, and talk through fees, investment quality, and flexibility so you can choose a path that feels reasonable and well‑supported.

How Do You Know If Your Savings Will Cover Your Retirement Expenses?

A practical starting point is to compare your expected expenses with your reliable income sources — Social Security, pensions, and any annuity income. The difference between the two is the “gap” your portfolio needs to fill. We use planning tools to estimate this over time and then design a drawdown approach, often combining systematic withdrawals, dividends, and cash reserves, to help you navigate both rising and falling markets.

How Should You Plan for Healthcare Costs in Retirement?

Healthcare costs can be one of the more unpredictable parts of retirement. We factor in Medicare, potential supplemental coverage, and the risk of needing extended care at some point. The goal is not to predict the future, but to make sure your income plan acknowledges these possibilities rather than ignoring them.

Can a Roth Conversion Reduce Your Taxes in Retirement?

There are often years — for example, after you stop working but before you claim Social Security — when your taxable income is temporarily lower. In those years, partial Roth conversions may make sense. We model different scenarios so you can see how converting some assets now could change future required minimum distributions and your flexibility later on.

Why We Bring Behavioral Finance Into Retirement Income

As a Behavioral Financial Advisor (BFA™), Scott E. Jones incorporates behavioral finance into the planning process. That means we talk openly about the patterns that show up for many people — such as the discomfort of seeing account values move, the temptation to react quickly in volatile markets, or the tendency to put off certain conversations — and we build practical guardrails around them.

This isn’t about judging decisions. It’s about creating a process together so that, when markets are noisy or life is complicated, you don’t have to make big choices alone or on impulse.

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Where and How We Work With Clients

Genesis Wealth Advisor Group is headquartered at Five Greentree Centre in Marlton, NJ, and we regularly meet with clients from Marlton, Cherry Hill, Mount Laurel, Moorestown, Haddonfield, Voorhees and throughout South Jersey. We also work virtually with families, professionals and business owners in Pennsylvania, Delaware, Florida, Texas, Virginia and other states where we are appropriately registered.

Some clients come to us ten or more years before retirement; others reach out a year or two into retirement when they want a second opinion on what they’re already doing. Wherever you are on that spectrum, the first step is simply a conversation.

Common Questions

How much income can I reasonably plan on from my savings?

There isn’t one number that fits everyone. It depends on your total savings, Social Security and pension benefits, other income sources, expected spending, and how long the money needs to last. We use planning software and a structured conversation about your lifestyle to estimate a sustainable range, then revisit it regularly as life unfolds.

When is the right time to start retirement income planning?

Many people find that starting 5–10 years before their planned retirement date gives them enough time to adjust savings, refine their investment approach, and consider Social Security and tax decisions in a measured way. That said, if you are already retired, it’s still useful to step back and review how your current withdrawals line up with your goals.

Is there a single “best” order to withdraw from accounts?

Not really. A sequence that works well for one household might not be right for another. The order often changes over time as tax laws, markets, and your life change. Our role is to explain the trade‑offs clearly, help you choose an approach that fits your circumstances, and adjust it as needed.

Can you work with my 401(k) at a specific employer?

In many cases, yes. We provide individual 401(k) guidance and management for employees and retirees at a wide range of employers, including Apple, American Airlines, Home Depot, Delta, AT&T, GM, Capital One, Eli Lilly, Kaiser Permanente, Chevron, Shell Oil, Google, Mayo Clinic, T‑Mobile, Oracle, FedEx, Northrop Grumman, John Deere, Comcast, Caterpillar, United Healthcare, Nestle, Toyota, SAP, Siemens, and CommonSpirit, among others. If you’re not sure whether your plan is eligible, we can look at it together.

¹ Clever Real Estate 2026 Retirement Statistics Survey
² Dayforce 2026 State of Retirement Savings Report

Date Updated: April 29, 2026

Retirement Income Planning in Marlton, NJ — Genesis Wealth Advisor Group