Top financial advisors in Altoona, PA
The right financial advisor for you depends on how you weigh location, expertise, experience, the clients they typically serve, and how they work with you.
If you're approaching or in retirement and need to manage your income streams, these advisors can help you navigate the complexities of retirement income planning. A common mistake is not accounting for how different income sources interact with taxes and benefits, which can reduce your overall income.
- State tax considerations. Since retirement income is generally exempt from state income tax in Pennsylvania after eligible retirement age, ask how they factor this into your income strategy.
- Income sequencing. Confirm how they plan the order of withdrawals from accounts to optimize tax efficiency and cash flow.
- Benefit integration. Check how they incorporate Social Security and pension options to maximize your total retirement income.
- Longevity planning. Ask about strategies they use to ensure your income lasts through your retirement years without running out.
Here are top matches to get you started. Review each profile to compare experience, credentials, and approach.
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John F
CFP®, ChFC®, Series 63, Series 65
Altoona, PA
Cetera
John Fleming's 40 years of experience and CFP® and ChFC® credentials equip him to address retirement income planning complexities in Altoona, PA, including tax considerations and benefit integration. Affiliated with Cetera, a large firm offering diverse portfolio management and fiduciary solutions, he provides flat-fee and hourly consulting options, distinguishing him from advisors with standard AUM fees.
Experience: 40 years
Avg account: $306,089
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Michael I
Series 63, Series 65
Altoona, PA
Raymond James Financial
Michael Irwin offers 27 years of experience in retirement and business succession planning, operating from a large firm in Altoona, PA. His flat-fee structure and focus on cash flow and budgeting provide clear cost expectations, while his background as a founder and insurance agent adds practical insight into income sequencing and benefit integration for retirees.
Experience: 27 years
Avg account: $700,796
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Stephen S
CFP®, Series 63, Series 65
Altoona, PA
OneSeven
Stephen Shaffer in Altoona, PA, offers retirement income planning with 14 years of experience and CFP® certification, focusing on long-term investment strategies and diversified portfolio management. His firm, OneSeven, serves individuals and high-net-worth clients with flat-fee and hourly financial planning options, distinguishing him through independent advisory services and expertise in private investments and retirement plans for business owners.
Experience: 14 years
Avg account: $461,030
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Brian K
Series 63, Series 65
Altoona, PA
Primerica Advisors
Brian Kelly in Altoona, PA, specializes in income planning and tax-loss harvesting, which are crucial for managing retirement income streams effectively. With 13 years of experience at Primerica Advisors, a large firm offering discretionary asset management and model-delivery strategies, he provides a tiered wrap fee structure and serves both individual and high-net-worth clients, distinguishing him from advisors with smaller firm affiliations or less comprehensive investment options.
Experience: 13 years
Avg account: $228,117
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John Z
Series 63, Series 65
Altoona, PA
OSAIC
John Zerbee in Altoona, PA, brings 34 years of experience and specializes in annuities, which can be crucial for managing retirement income streams. Working with OSAIC, a large firm managing around $200 billion in assets, he offers flat-fee financial planning up to $25,000, providing structured and scalable services compared to other advisors in the area.
Experience: 35 years
Avg account: $398,336
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