Legacy Wealth Advisors

09/03/2026

We work with New Jersey households to include housing decisions in retirement planning. Property taxes, insurance, maintenance, utilities, mortgage or rent, accessibility, and the possibility of relocating can materially affect long-term spending.

Comparing more than one housing scenario can show how staying, downsizing, moving, or paying off debt may interact with retirement income, cash reserves, healthcare, and family priorities. The assumptions should be revisited as costs and circumstances change.

Learn more about retirement planning in New Jersey.
https://www.lwanj.net/retirement-planning-services

09/02/2026

What would happen to your finances if you couldn't work? This calculator shows how long your savings might last if a disability affected your income.

See how long your current savings might last if a disability interrupted your income.

09/02/2026

This Monthly Recap summarizes market performance, major events and news from August 2026. Read more here:

U.S. stocks returned to gains in August after the S&P 500 and Nasdaq Composite both ended negative the prior two months while the Dow Industrials capped a…

09/01/2026

We support New Jersey households comparing retirement-date scenarios before committing to a single timeline. Retiring earlier or later can affect savings, pension elections, Social Security, healthcare coverage, taxes, cash flow, and the number of years the portfolio may need to support.

Testing several dates can reveal which assumptions have the greatest effect and which decisions may require more flexibility. The plan should be reviewed as work, health, markets, and family circumstances change.

Learn more about retirement planning services in New Jersey.
https://www.lwanj.net/pre-retirement-planning-services-new-jersey

08/31/2026

What will this week's economic data mean for rate hike odds?
Join Chief Market Strategist Brian Klimke on this week's episode of as he breaks down key reports on manufacturing, services, employment, and Friday's closely watched jobs report. With the Fed meeting just two weeks away, markets will be looking to see whether the data strengthens or weakens the case for another hike.

“Cetera Financial Group” refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), and Cetera Financial Specialists LLC. All firms...

08/31/2026

Do you know how to avoid internet fraud? Janet does. Learn how to keep yourself safe from data thieves of all kinds.

Learn about the dangers of internet fraud with this highly educational and fun “pulp” comic.

08/31/2026

We work with New Jersey households to coordinate Social Security with pensions, cash reserves, taxable investments, and retirement-account withdrawals. Each income source may play a different role over the course of retirement.

Comparing several timelines can show how claiming choices interact with taxes, portfolio withdrawals, longevity, and the needs of a surviving spouse. The analysis should be updated when work, health, spending, or financial circumstances change, and current Social Security rules should be confirmed before action is taken.

Learn more about Social Security planning services.
https://www.lwanj.net/social-security-planning-services

08/30/2026

We help New Jersey households incorporate healthcare expenses into retirement planning. The budget may need to account for coverage before Medicare eligibility, Medicare premiums and cost sharing, prescriptions, dental and vision care, out-of-pocket expenses, and potential long-term care needs.

These costs should be reviewed alongside retirement income, cash reserves, housing, Social Security timing, and workplace benefits. Assumptions may need to change as coverage, health, and family circumstances evolve.

Learn more about building a retirement plan around the full spending picture.
https://www.lwanj.net/retirement-planning-services

08/29/2026

We support New Jersey employees comparing the available choices for an old 401(k) after a job change. Depending on the plan, options may include leaving assets where they are, moving them to a new employer plan, rolling them to an IRA, or taking a distribution.

Fees, services, investments, creditor protections, access, and tax consequences can differ. Current and new plan documents should be reviewed before assets move because a rollover is not automatically the best option.

Learn more about 401(k) planning services.
https://www.lwanj.net/401k-planning

08/28/2026

Considering a vacation home? 5 questions to determine if you’re ready.

You may be considering purchasing a vacation property, this can be an exciting milestone, but there are a few things to consider first.