{"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 & Altoona, PA"},"content":{"rendered":"\n
\"\"<\/a><\/figure>\n\n\n\n

As the financial services industry evolves, a major shift is happening behind the scenes \u2014 a large portion of financial advisors are approaching retirement.<\/strong><\/p>\n\n\n\n

According to research cited by Barron\u2019s, The Daily Upside, and McKinsey & Company<\/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

Even more significant:<\/p>\n\n\n\n

\ud83d\udcca Those advisors currently manage about 42% of the industry\u2019s assets.<\/strong><\/p>\n\n\n\n

For investors, retirees, and those approaching retirement, this trend raises an important question:<\/p>\n\n\n\n

Who will manage and protect those assets when these advisors retire?<\/strong><\/p>\n\n\n\n

\n\n\n\n

The Coming \u201cAdvisor Succession\u201d Challenge<\/h2>\n\n\n\n

Many investors build decades-long relationships with their financial advisors. When those advisors retire, clients may suddenly find themselves:<\/p>\n\n\n\n

    \n
  • Assigned to a new advisor they\u2019ve never met<\/li>\n\n\n\n
  • Moved to a larger institution or call center<\/li>\n\n\n\n
  • Transitioned into a different investment philosophy<\/li>\n\n\n\n
  • Or left searching for a new advisor entirely<\/li>\n<\/ul>\n\n\n\n

    For people nearing retirement, this transition can create uncertainty at exactly the time when financial stability matters most.<\/strong><\/p>\n\n\n\n

    Retirement planning today involves far more than simply investing money. It requires coordination between:<\/p>\n\n\n\n

      \n
    • Investment strategy<\/li>\n\n\n\n
    • Retirement income planning<\/li>\n\n\n\n
    • Tax strategy<\/li>\n\n\n\n
    • Social Security timing<\/li>\n\n\n\n
    • Medicare planning and IRMAA management<\/li>\n\n\n\n
    • Estate and legacy planning<\/li>\n<\/ul>\n\n\n\n

      When an advisor retires without a clear succession plan, clients often lose that coordinated guidance.<\/p>\n\n\n\n

      \n\n\n\n

      Stability Matters When Choosing a Financial Advisor<\/h2>\n\n\n\n

      When choosing a financial advisor, it\u2019s important to consider not only investment expertise<\/strong>, but also long-term continuity.<\/strong><\/p>\n\n\n\n

      Many clients want to work with a professional who plans to serve their needs not just today, but for many years into the future.<\/strong><\/p>\n\n\n\n

      That stability allows advisors to:<\/p>\n\n\n\n

        \n
      • Understand clients\u2019 long-term goals<\/li>\n\n\n\n
      • Help guide major life transitions<\/li>\n\n\n\n
      • Build trust over time<\/li>\n\n\n\n
      • Provide consistent strategy through different market cycles<\/li>\n<\/ul>\n\n\n\n

        For people approaching retirement, consistency and long-term planning can be just as important as portfolio performance.<\/p>\n\n\n\n

        \n\n\n\n

        Fiduciary Financial Planning in DuBois, Pennsylvania<\/h2>\n\n\n\n

        For investors in DuBois and surrounding communities<\/strong>, Joe Zappia, III, CRPC\u00ae<\/strong>, of Venn Financial Solutions<\/strong>, has spent more than 20 years helping individuals and families protect and grow their money.<\/strong><\/p>\n\n\n\n

        Joe works with clients throughout:<\/p>\n\n\n\n

          \n
        • DuBois<\/li>\n\n\n\n
        • St. Marys<\/li>\n\n\n\n
        • Ridgway<\/li>\n\n\n\n
        • Johnsonburg<\/li>\n\n\n\n
        • Clearfield<\/li>\n\n\n\n
        • Curwensville<\/li>\n\n\n\n
        • Brookville<\/li>\n\n\n\n
        • Punxsutawney<\/li>\n\n\n\n
        • Clarion<\/li>\n\n\n\n
        • Altoona<\/li>\n\n\n\n
        • State College<\/li>\n\n\n\n
        • Johnstown<\/li>\n\n\n\n
        • Indiana, PA<\/li>\n<\/ul>\n\n\n\n

          As a fiduciary financial advisor<\/strong>, Joe is required to act in the client\u2019s best interest at all times<\/strong>.<\/p>\n\n\n\n

          \n\n\n\n

          Experience You Can Count On<\/h2>\n\n\n\n

          At Venn Financial Solutions<\/strong>, the advisory team brings 65+ years of combined industry experience<\/strong>, focusing on both pre-retirement and post-retirement planning.<\/strong><\/p>\n\n\n\n

          Their planning approach addresses many of the issues retirees face, including:<\/p>\n\n\n\n

            \n
          • Asset management<\/li>\n\n\n\n
          • Retirement income strategy<\/li>\n\n\n\n
          • Tax-efficient withdrawals<\/li>\n\n\n\n
          • Estate and legacy planning<\/li>\n\n\n\n
          • Risk management and market volatility<\/li>\n<\/ul>\n\n\n\n

            Unlike many advisory firms that follow a single strategy, the firm utilizes both:<\/p>\n\n\n\n

            Strategic Money Management<\/strong>
            Long-term investment strategies designed to grow wealth over time.<\/p>\n\n\n\n

            Active (Tactical) Money Management<\/strong>
            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

            This flexible approach helps clients navigate market volatility while staying focused on long-term financial goals.<\/strong><\/p>\n\n\n\n

            \n\n\n\n

            Low-Cost, Long-Term Investment Philosophy<\/h2>\n\n\n\n

            Another key focus at Venn Financial Solutions is keeping investment fees and expenses low whenever possible.<\/strong><\/p>\n\n\n\n

            Instead of operating as a transactional business, the firm prioritizes long-term relationships with clients.<\/strong><\/p>\n\n\n\n

            That means:<\/p>\n\n\n\n

              \n
            • Personalized financial strategies<\/li>\n\n\n\n
            • Ongoing guidance through life changes<\/li>\n\n\n\n
            • Regular portfolio reviews<\/li>\n\n\n\n
            • Clear communication and transparency<\/li>\n<\/ul>\n\n\n\n

              For many clients, their advisor becomes a long-term partner in their financial journey.<\/strong><\/p>\n\n\n\n

              \n\n\n\n

              Recognized by the Local Community<\/h2>\n\n\n\n

              Venn Financial Solutions has also received recognition from the local community for its commitment to financial planning.<\/p>\n\n\n\n

              \ud83c\udfc6 2024 Readers’ Choice Award for Financial Planning<\/strong> \u2013 Tri-County Weekend Newspaper<\/em><\/p>\n\n\n\n

              \ud83e\udd47 Best Financial Planners \u2013 Best of Tri-County<\/strong><\/p>\n\n\n\n

                \n
              • Gold: 2021, 2023, 2024, 2025<\/li>\n\n\n\n
              • Silver: 2022<\/li>\n<\/ul>\n\n\n\n

                These honors reflect the trust that many families across the region have placed in the firm.<\/p>\n\n\n\n

                \n\n\n\n

                The Bottom Line<\/h2>\n\n\n\n

                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

                For those approaching retirement, it\u2019s important to work with a financial professional who offers:<\/p>\n\n\n\n

                \u2714 Long-term stability
                \u2714 Fiduciary responsibility
                \u2714 Coordinated retirement planning
                \u2714 Experience navigating market cycles<\/p>\n\n\n\n

                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

                \n\n\n\n

                \ud83d\udccd Joe Zappia, III, CRPC\u00ae & Team<\/strong>
                Venn Financial Solutions \u2013 DuBois, Pennsylvania<\/strong><\/p>\n\n\n\n

                Serving clients in DuBois, St. Marys, Ridgway, Johnsonburg, Clearfield, Curwensville, Brookville, Punxsutawney, Clarion, Altoona, State College, and Indiana, PA.<\/p>\n\n\n\n

                \ud83d\udcde 1-800-569-2867<\/strong><\/p>\n\n\n\n

                We engineer retirement income.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

                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 & Company, about 38% of financial advisors are expected to retire within the next 10 years \u2014 roughly 110,000 advisors. […]<\/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_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_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}},"categories":[143,62],"tags":[],"class_list":["post-1416","post","type-post","status-publish","format-standard","hentry","category-advisor-retiring","category-financial-planning"],"aioseo_notices":[],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p5ZNiF-mQ","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/posts\/1416","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1416"}],"version-history":[{"count":1,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/posts\/1416\/revisions"}],"predecessor-version":[{"id":1418,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=\/wp\/v2\/posts\/1416\/revisions\/1418"}],"wp:attachment":[{"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1416"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1416"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/keystoneinsurance.us\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1416"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}