Top financial advisors in Chambersburg, 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.
You might be considering your retirement income strategy if you're approaching or have reached the eligible retirement age in Chambersburg, PA. A common mistake is not accounting for how retirement income is generally exempt from state income tax here, which can affect your withdrawal plans.
- Tax-aware income planning. Confirm how the advisor incorporates Pennsylvania's tax exemption on retirement income into your cash flow projections.
- Withdrawal sequencing. Ask how they prioritize distributions from different accounts to optimize tax efficiency and income stability.
- Longevity risk management. Ensure they consider how to sustain your income throughout retirement, not just the early years.
- Social Security timing. Discuss strategies for when to claim benefits to maximize your overall retirement income.
Here are top matches to get you started. Review each profile to compare experience, credentials, and approach.
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Douglas H
Series 66
Chambersburg, PA
Thrivent Investment Management
Douglas Hess in Chambersburg, PA, offers expertise in business ownership considerations, which can be valuable for retirement income planning involving complex asset structures. With seven years of experience at Thrivent Investment Management, a large firm providing dedicated planning services and consolidated billing options, he supports clients with holistic, goal-based analyses that may enhance tax-aware income strategies and withdrawal sequencing.
Experience: 8 years
Avg account: $162,801
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Betty H
Series 63, Series 65
Chambersburg, PA
Equitable Advisors
Betty Hawbaker specializes in retirement income strategy and Social Security optimization, making her well-suited for clients approaching retirement in Chambersburg, PA. With 39 years of experience at Equitable Advisors, a large firm serving high-net-worth clients, she offers a hybrid advisory and brokerage approach with flexible fee structures, distinguishing her from advisors with smaller practices or narrower service models.
Experience: 40 years
Avg account: $570,841
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Gary G
Series 63, Series 65
Chambersburg, PA
LPL Enterprise
Gary Guell offers expertise in general retirement planning and tax-loss harvesting, which is crucial for managing retirement income in Chambersburg, PA, especially considering local tax exemptions. With 34 years of experience and a flat-fee structure through LPL Enterprise, a large firm serving diverse clients, he provides access to model portfolios and combines advisory and brokerage services, differentiating him from advisors with narrower focuses or different fee models.
Experience: 34 years
Avg account: $239,757
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John H
CFP®, Series 66
Chambersburg, PA
Edward Jones
John Heeter specializes in retirement income strategy and withdrawal strategies, making him well-suited to address tax-aware income planning and Social Security timing in Chambersburg, PA. With eight years of experience, CFP® certification, and a background as a US Navy veteran, he operates within Edward Jones, a large firm managing over $1 trillion in assets, offering diverse advisory services and a fee structure up to 1.35% annually.
Experience: 8 years
Avg account: $246,728
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Helen T
Series 66
Chambersburg, PA
Raymond James & Associates
Helen Taormina offers expertise in general retirement planning and wealth management, supported by nine years of experience and a Series 66 designation. Operating within Raymond James & Associates, a large firm known for its Wealth Advisory Services Program, she provides flat-fee and hourly fee structures, which may appeal to clients seeking transparent and flexible payment options in Chambersburg, PA.
Experience: 10 years
Avg account: $788,879
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