Family Wealth Management

Family Wealth Management visit us at www.familywealthadvisory.com Your financial well-being and security are our top priorities. a SEC Registered Investment Advisory Firm.

You and your family can count on us every day for advice and service that helps in the pursuit of your financial dreams.”— Marty Higgins, Founder of Family Wealth Management

Licensed in AL, CT, DE, FL, IL, KS, MD, NC, NJ, NY, PA, SC, VA, and WV

This is not an offer or solicitation in any jurisdiction where we are not authorized to do businses. If references are made of the Mutual of Omaha compa

nies and their products or services, please refer to the following link for important information: http://www.mutualofomaha.com/disclosure
Securities offered through Mutual of Omaha Investor Services, Inc., a Registered Broker/Dealer, Member FINRA/SIPC. Advisory services offered through Mutual of Omaha Investor Services, Inc. FINRA (www.finra.org)/ SIPC (www.sipc.org). Family Wealth Management and the Mutual of Omaha companies are not affiliated. The third-party comments displayed are not verified, may not be accurate and are not necessarily representative of our client experiences. Mutual of Omaha Investor Services, Inc. and its representatives do not provide tax or legal advice. Any tax or legal information provided is merely a summary of our understanding and interpretation of some of the regulations and is not exhaustive. Please consult a qualified professional specific to your situation. Any links to third-party websites and resources are provided solely as a convenience to you and not as an endorsement of the content. We make no representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party.

08/29/2026

Market downturns are never comfortable, but they can feel especially different once you're retired. When you're working, you may have more time to ride out market fluctuations without relying on your investments for regular income. In retirement, however, withdrawals during a declining market can create additional challenges for your long-term financial strategy.

That's why retirement planning isn't only about how much you've accumulated. Cash reserves, diversified income sources, investment allocation, and a coordinated withdrawal strategy can all play a role in preparing for periods of market uncertainty.

🎥 Watch this reel to learn why having a plan before volatility arrives can be an important part of protecting your retirement strategy.

👉 Ready to take another look at your retirement plan? Visit https://www.familywealthadvisory.com/ to learn more and schedule a conversation with the Family Wealth Management team.

Two retirees can earn the same average return and have very different outcomes.Why?Because in retirement, timing matters...
08/27/2026

Two retirees can earn the same average return and have very different outcomes.

Why?

Because in retirement, timing matters.

An early market downturn in retirement can be more damaging than the same downturn later.

That is the sequence-of-returns risk.

The risk is not simply “the market went down.” It’s “the market went down while income still had to come out.”

A strong retirement strategy should look beyond average returns and address:

🔹 Where income will come from
🔹 How much cash or short-term reserves make sense
🔹 Which accounts to draw from first
🔹 When to rebalance
🔹 How RMDs and Social Security fit into the withdrawal strategy

Sequence-of-returns risk does not make many headlines.

But for anyone entering retirement, it can be one of the most important ideas to understand.

The goal is not to predict the next downturn. It’s about being prepared.

By 2030, women are expected to control nearly two-thirds of private wealth in the United States, representing roughly $3...
08/26/2026

By 2030, women are expected to control nearly two-thirds of private wealth in the United States, representing roughly $30 trillion, according to a landmark 2020 study by McKinsey & Co.

That shift is already underway.

More women than men now graduate from college. Women-owned businesses generate more than $2.7 trillion in annual revenue.

And because women statistically live longer than men, many also manage the final, and often most complex, chapter of a family’s financial life.

The numbers tell an important story:

🔸 Women make or influence a growing share of household financial decisions.

🔸 Yet many still report feeling less confident, less heard, and less well served by traditional financial preparation.

🔸 That gap isn’t about ability. It is about whether the guidance, questions, and process reflect the realities of modern wealth.

Today is Women’s Equality Day.

A financial strategy should reflect the life being built and the goals that matter most for women and men alike: family dynamics, longevity, business ownership, caregiving, legacy, and the financial decisions that shape what is possible.

Does yours?

There is usually no single moment when the roles begin to shift with aging parents.A confusing medical bill.A missed pay...
08/25/2026

There is usually no single moment when the roles begin to shift with aging parents.

A confusing medical bill.
A missed payment.
A scam text that almost got clicked.

When and how do you step in without taking over?

The goal is not to take control.

The goal is to make sure helpful people, information, and safeguards are in place before decisions have to be made under pressure.

One potential conversation starter you could try…

“We are reviewing our own estate documents and realize we should understand where everything is.”

Sometimes, that is enough to open the door.

The families who tend to feel best about how this chapter goes are the ones who approached it as a proactive exercise rather than a response to a problem.

We are glad to be part of that process at whatever stage a family is ready to begin.

As today is National Senior Citizens Day, we wanted to draw attention to something that can sometimes fall through the c...
08/21/2026

As today is National Senior Citizens Day, we wanted to draw attention to something that can sometimes fall through the cracks: the Medicare Part B late enrollment penalty.

Most don’t know that if you miss your Initial Enrollment Period (the 7-month window around your 65th birthday), Medicare tacks on a 10 percent surcharge to your monthly premium for every 12 months you delay enrollment.

No cap. No expiration date.

Delay two years, pay 20 percent more. Delay by five years, you pay 50 percent. Every month. For life.

How to manage it?

You are only exempt from this penalty if you qualify for a Special Enrollment Period (SEP).

This usually means you delayed signing up because you (or your spouse) were still actively working and had "creditable" health insurance through that active employer.

If you’re concerned, ask your financial professional where to find the most up-to-date Medicare information.

08/21/2026

It’s natural to want to protect your savings in retirement — but being too conservative may create long-term challenges. Inflation can quietly reduce your purchasing power, making it important to balance stability with growth.

👉 Watch the reel to understand how to approach this balance.
👉 Visit familywealthadvisory.com to explore your strategy.

Donating appreciated stock to charity has pros and cons. So, most donors still write the check.When you contribute appre...
08/19/2026

Donating appreciated stock to charity has pros and cons. So, most donors still write the check.

When you contribute appreciated securities directly to a donor-advised fund (DAF), you can manage capital gains tax on the gain and perhaps deduct the full fair market value.

The charity receives the full amount. Nothing is lost to taxes in between.

From there, you can focus grants to any eligible nonprofit on your own timeline. The funds can stay invested and may grow while you decide.

💡 If you're holding appreciated positions and giving is part of your strategy, how you give matters as much as how much you give.

📋 **Some donor-advised funds are considered mutual funds and are sold only by prospectus. The prospectus will provide information on charges, risks, expenses, and investment objectives and should be reviewed carefully before investing. Investment companies can provide a prospectus, or you may prefer to ask your financial professional.**

💡 Consider asking your financial professional to work with your tax, legal, or accounting professionals if a DAF sounds interesting.

08/15/2026

Many high earners are surprised to find they don’t feel financially ahead — even with strong incomes. The difference often comes down to how cash flow is managed and whether a consistent investment strategy is in place. Building wealth isn’t just about what you earn, but what you keep and invest over time.

👉 Watch the reel to explore how to better align income with long-term goals.
👉 Visit familywealthadvisory.com to learn more.

Some professionals assume their financial strategy is in better shape than it is. Not because they're careless. Because ...
08/14/2026

Some professionals assume their financial strategy is in better shape than it is. Not because they're careless. Because they're busy.

Today is National Financial Awareness Day. Four questions worth sitting with:

▸ If something happened to you tomorrow, would your family know what you have, where it is, and what to do?

▸ Are you on track to replace your income in retirement, or are you assuming you will be?

▸ Has your financial strategy changed as much as your life has in the last 12 months?

▸ If markets dropped tomorrow, do you have written goals or a general sense of what you'd do?

You don't have to answer all four today. But if one made you pause, that's the one worth paying attention to.

Address

Marlton, NJ

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Website

Alerts

Be the first to know and let us send you an email when Family Wealth Management posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category