{"id":1416,"date":"2026-04-21T15:01:02","date_gmt":"2026-04-21T15:01:02","guid":{"rendered":"https:\/\/keystoneinsurance.us\/?p=1416"},"modified":"2026-03-15T15:52:01","modified_gmt":"2026-03-15T15:52:01","slug":"the-great-financial-advisor-retirement-wave-what-it-means-for-investors-in-dubois-altoona-pa","status":"publish","type":"post","link":"https:\/\/keystoneinsurance.us\/?p=1416","title":{"rendered":"The Great Financial Advisor Retirement Wave: What It Means for Investors in DuBois &amp; Altoona, PA"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/i0.wp.com\/keystoneinsurance.us\/wp-content\/uploads\/2026\/03\/Wave-of-Advisor-Retirements.png?ssl=1\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"940\" height=\"788\" data-attachment-id=\"1417\" data-permalink=\"https:\/\/keystoneinsurance.us\/?attachment_id=1417\" data-orig-file=\"https:\/\/i0.wp.com\/keystoneinsurance.us\/wp-content\/uploads\/2026\/03\/Wave-of-Advisor-Retirements.png?fit=940%2C788&amp;ssl=1\" data-orig-size=\"940,788\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Wave of Advisor Retirements\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/keystoneinsurance.us\/wp-content\/uploads\/2026\/03\/Wave-of-Advisor-Retirements.png?fit=940%2C788&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/keystoneinsurance.us\/wp-content\/uploads\/2026\/03\/Wave-of-Advisor-Retirements.png?resize=940%2C788&#038;ssl=1\" alt=\"\" class=\"wp-image-1417\" srcset=\"https:\/\/i0.wp.com\/keystoneinsurance.us\/wp-content\/uploads\/2026\/03\/Wave-of-Advisor-Retirements.png?w=940&amp;ssl=1 940w, https:\/\/i0.wp.com\/keystoneinsurance.us\/wp-content\/uploads\/2026\/03\/Wave-of-Advisor-Retirements.png?resize=300%2C251&amp;ssl=1 300w, https:\/\/i0.wp.com\/keystoneinsurance.us\/wp-content\/uploads\/2026\/03\/Wave-of-Advisor-Retirements.png?resize=768%2C644&amp;ssl=1 768w\" sizes=\"auto, (max-width: 940px) 100vw, 940px\" \/><\/a><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">As the financial services industry evolves, a major shift is happening behind the scenes \u2014 <strong>a large portion of financial advisors are approaching retirement.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">According to research cited by <strong>Barron\u2019s, The Daily Upside, and McKinsey &amp; Company<\/strong>, <strong>about 38% of financial advisors are expected to retire within the next 10 years \u2014 roughly 110,000 advisors.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Even more significant:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udcca <strong>Those advisors currently manage about 42% of the industry\u2019s assets.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For investors, retirees, and those approaching retirement, this trend raises an important question:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Who will manage and protect those assets when these advisors retire?<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">The Coming \u201cAdvisor Succession\u201d Challenge<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Many investors build decades-long relationships with their financial advisors. When those advisors retire, clients may suddenly find themselves:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Assigned to a new advisor they\u2019ve never met<\/li>\n\n\n\n<li>Moved to a larger institution or call center<\/li>\n\n\n\n<li>Transitioned into a different investment philosophy<\/li>\n\n\n\n<li>Or left searching for a new advisor entirely<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">For people nearing retirement, this transition can create uncertainty at exactly the time when <strong>financial stability matters most.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Retirement planning today involves far more than simply investing money. It requires coordination between:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Investment strategy<\/li>\n\n\n\n<li>Retirement income planning<\/li>\n\n\n\n<li>Tax strategy<\/li>\n\n\n\n<li>Social Security timing<\/li>\n\n\n\n<li>Medicare planning and IRMAA management<\/li>\n\n\n\n<li>Estate and legacy planning<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">When an advisor retires without a clear succession plan, clients often lose that coordinated guidance.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Stability Matters When Choosing a Financial Advisor<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">When choosing a financial advisor, it\u2019s important to consider not only <strong>investment expertise<\/strong>, but also <strong>long-term continuity.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Many clients want to work with a professional who plans to serve their needs not just today, but <strong>for many years into the future.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That stability allows advisors to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Understand clients\u2019 long-term goals<\/li>\n\n\n\n<li>Help guide major life transitions<\/li>\n\n\n\n<li>Build trust over time<\/li>\n\n\n\n<li>Provide consistent strategy through different market cycles<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">For people approaching retirement, consistency and long-term planning can be just as important as portfolio performance.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Fiduciary Financial Planning in DuBois, Pennsylvania<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">For investors in <strong>DuBois and surrounding communities<\/strong>, <strong>Joe Zappia, III, CRPC\u00ae<\/strong>, of <strong>Venn Financial Solutions<\/strong>, has spent more than <strong>20 years helping individuals and families protect and grow their money.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Joe works with clients throughout:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>DuBois<\/li>\n\n\n\n<li>St. Marys<\/li>\n\n\n\n<li>Ridgway<\/li>\n\n\n\n<li>Johnsonburg<\/li>\n\n\n\n<li>Clearfield<\/li>\n\n\n\n<li>Curwensville<\/li>\n\n\n\n<li>Brookville<\/li>\n\n\n\n<li>Punxsutawney<\/li>\n\n\n\n<li>Clarion<\/li>\n\n\n\n<li>Altoona<\/li>\n\n\n\n<li>State College<\/li>\n\n\n\n<li>Johnstown<\/li>\n\n\n\n<li>Indiana, PA<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">As a <strong>fiduciary financial advisor<\/strong>, Joe is required to <strong>act in the client\u2019s best interest at all times<\/strong>.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Experience You Can Count On<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">At <strong>Venn Financial Solutions<\/strong>, the advisory team brings <strong>65+ years of combined industry experience<\/strong>, focusing on both <strong>pre-retirement and post-retirement planning.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Their planning approach addresses many of the issues retirees face, including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Asset management<\/li>\n\n\n\n<li>Retirement income strategy<\/li>\n\n\n\n<li>Tax-efficient withdrawals<\/li>\n\n\n\n<li>Estate and legacy planning<\/li>\n\n\n\n<li>Risk management and market volatility<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Unlike many advisory firms that follow a single strategy, the firm utilizes both:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Strategic Money Management<\/strong><br>Long-term investment strategies designed to grow wealth over time.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Active (Tactical) Money Management<\/strong><br>Portfolio adjustments designed to respond to changing market conditions. When markets decline, portfolios can shift toward safer positions to help reduce losses, then reposition as markets recover.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This flexible approach helps clients navigate <strong>market volatility while staying focused on long-term financial goals.<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Low-Cost, Long-Term Investment Philosophy<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Another key focus at Venn Financial Solutions is <strong>keeping investment fees and expenses low whenever possible.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Instead of operating as a transactional business, the firm prioritizes <strong>long-term relationships with clients.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That means:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Personalized financial strategies<\/li>\n\n\n\n<li>Ongoing guidance through life changes<\/li>\n\n\n\n<li>Regular portfolio reviews<\/li>\n\n\n\n<li>Clear communication and transparency<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">For many clients, their advisor becomes a <strong>long-term partner in their financial journey.<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Recognized by the Local Community<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Venn Financial Solutions has also received recognition from the local community for its commitment to financial planning.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83c\udfc6 <strong>2024 Readers&#8217; Choice Award for Financial Planning<\/strong> \u2013 <em>Tri-County Weekend Newspaper<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83e\udd47 <strong>Best Financial Planners \u2013 Best of Tri-County<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Gold: 2021, 2023, 2024, 2025<\/li>\n\n\n\n<li>Silver: 2022<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">These honors reflect the trust that many families across the region have placed in the firm.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">The Bottom Line<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">With tens of thousands of financial advisors expected to retire over the next decade, investors may soon face significant changes in the advisory landscape.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For those approaching retirement, it\u2019s important to work with a financial professional who offers:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2714 Long-term stability<br>\u2714 Fiduciary responsibility<br>\u2714 Coordinated retirement planning<br>\u2714 Experience navigating market cycles<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Planning ahead can help ensure that your financial strategy continues to support your retirement goals \u2014 no matter how the industry changes.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udccd <strong>Joe Zappia, III, CRPC\u00ae &amp; Team<\/strong><br><strong>Venn Financial Solutions \u2013 DuBois, Pennsylvania<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Serving clients in DuBois, St. Marys, Ridgway, Johnsonburg, Clearfield, Curwensville, Brookville, Punxsutawney, Clarion, Altoona, State College, and Indiana, PA.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udcde <strong>1-800-569-2867<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>We engineer retirement income.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>As the financial services industry evolves, a major shift is happening behind the scenes \u2014 a large portion of financial advisors are approaching retirement. According to research cited by Barron\u2019s, The Daily Upside, and McKinsey &amp; Company, about 38% of financial advisors are expected to retire within the next 10 years \u2014 roughly 110,000 advisors. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[143,62],"tags":[],"class_list":["post-1416","post","type-post","status-publish","format-standard","hentry","category-advisor-retiring","category-financial-planning"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 4.9.8 - aioseo.com -->\n\t<meta name=\"description\" content=\"38% of financial advisors may retire within 10 years. 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