Stonehenge Advisor Group LLC

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Stonehenge Advisor Group LLC "A basis for comparison, a reference point against which other things can be evaluated."

Stonehenge Advisor Group LLC is a full service financial consulting firm. Our specialty is in Social Security Maximization and retirement income planning, however our services include individual and group health insurance, life, short and long term disability, Medicare Advantage and Medicare Supplement insurance as well as, Medicare RX, throughout PA, NJ, DE and MD. We also offer FDIC insured Market Linked CDs.We have developed relationships with CPAs as well as, estate and elder law attorneys to assist our individual clients and small business owners with more advanced planning matters. We here at Stonehenge Advisor Group LLC are proud of the men and women that have sacrificed and served our country, in 2011 we will be assisting our veterans to qualify for the Veterans Improved Pension program commonly referred to as The Veterans Aide and Attendance Program. If you would like additional information about our services you may contact us at 610 287 4869 or by email at [email protected].

Is Your Retirement Portfolio Too Conservative? Here's What To KnowAs someone dedicated to helping pre- and post-retirees...
10/17/2026

Is Your Retirement Portfolio Too Conservative? Here's What To Know
As someone dedicated to helping pre- and post-retirees build a truly Tailored Retirement Income Plan, I often see concerns about how much risk to take in your portfolio. The key is finding the right balance between risk and return—something that should shift as you move through the stages of retirement. For younger investors, having a higher percentage of stocks makes sense to maximize growth potential. By the time you reach your 80s and beyond, the focus naturally turns toward preserving what you’ve built. But it’s important to remember: being too conservative can expose your nest egg to the quiet threat of inflation. That’s why regular rebalancing and exploring alternative income sources aren’t just smart—they’re essential parts of a resilient retirement strategy.


https://www.roomvu.com/agent-news/john-crowley/1970253-Is-Your-Retirement-Portfolio-Too-Conservative%3F-Here%27s-What-T

Barbara Corcoran Says Your Retirement Isn't Safe Until You've Done These Key ThingsBarbara Corcoran recently highlighted...
10/16/2026

Barbara Corcoran Says Your Retirement Isn't Safe Until You've Done These Key Things
Barbara Corcoran recently highlighted some essential steps for a secure retirement, and they align closely with the approach I use when helping clients design Tailored Retirement Income Plans. It’s vital to have a clear understanding of your income, expenses, investments, and withdrawal rates. Keeping long-term funds invested is key to staying ahead of inflation, while maintaining accessible cash ensures you’re prepared for any emergencies. Thoughtful, purposeful spending on experiences that truly matter can make all the difference. Setting decision deadlines and making a habit of reviewing your finances regularly are habits I encourage to help keep retirement plans on track. These are the pillars I focus on with pre- and post-retirees at Stonehenge Advisor Group.


https://www.roomvu.com/agent-news/john-crowley/1971336-Barbara-Corcoran-Says-Your-Retirement-Isn%27t-Safe-Until-You%27v

10/15/2026

The Retirement Number for $10,000 a Month
When considering how to generate $10,000 a month in retirement income, it’s essential to take a strategic approach—one I’ve developed and refined with clients for years at Stonehenge Advisor Group. The foundation is understanding how your withdrawal rate and total savings work together. For example, applying the familiar 4% withdrawal guideline, you’d need a portfolio of about $3 million to support that $10,000 monthly goal, with withdrawals adjusted for inflation over time.

If you begin saving at age 30, plan to retire at 67, and achieve an average annual return of 10%, you’d need to contribute roughly $757 each month. However, waiting until age 50 means monthly savings must rise dramatically to about $6,200. Automating those contributions can go a long way toward ensuring consistency, and choosing an investment mix that balances growth with your comfort level is key to staying invested through market cycles.

I always recommend working backward from your desired income, estimating how much you’ll need, and building a disciplined plan as early as possible. With the right guidance, retirement security can become not just a goal, but an achievable reality.

10/14/2026

US Single-Income Couples Protect Retirement Futures
As someone who's spent years guiding couples through the intricacies of retirement income planning, I've seen the landscape for single-income households evolve. Today, about half of married couples are dual earners, while around 40% of married couples with children manage on just one income. With rising costs—from housing to student debt—balancing a one-income budget is increasingly challenging, even as educational and career opportunities encourage more women to stay in the workforce.

When planning for your financial future, it's important to look beyond the day-to-day. Start by reviewing your retirement readiness: at minimum, continue contributing enough to secure your employer's match. If possible, explore options like part-time work or a spousal IRA to maintain long-term savings momentum.

One strategy I've found effective in my practice is reverse budgeting—set your savings goals first, then allocate your spending. Aim to keep about a year's worth of liquid reserves in accessible accounts such as money markets, CDs, or taxable investments. Social Security decisions also deserve careful coordination; for single-income couples, delaying benefits for the older, primary earner can enhance survivor benefits. As always, these decisions are nuanced, and professional guidance can help clarify the best path forward for your household.

10/13/2026

Managing your money and lifestyle could help you retire earlier
The FIRE (Financial Independence, Retire Early) movement is generating a lot of interest among those who want to take control of their financial future. At its core, FIRE means saving 50–70% of your income and building a nest egg worth 25 times your annual expenses—an ambitious goal that calls for discipline, a strong income, and, ideally, an early start. There are several variations, including Lean, Fat, and Barista FIRE, each with its own approach to balancing lifestyle and savings. As someone who has spent years guiding pre- and post-retirees through the process of creating tailored retirement income plans, I’ve seen firsthand how aligning your money management with your lifestyle goals can open up possibilities for an earlier, more confident retirement.

10/12/2026

US Social Security: What the 2032 Forecast Means
As someone who’s spent years guiding clients through the complexities of retirement planning at Stonehenge Advisor Group, I keep a close eye on Social Security’s long-term outlook. The latest forecast signals that the Social Security trust fund may run out by 2032. If no policy adjustments are made before then, beneficiaries could see automatic benefit reductions of around 20%. The program’s future depends on several factors: the strength of our labor market, consistent earnings growth, public health, and national saving habits. There are also broader policy levers at play—expanding workforce participation, supporting smoother phased retirements, improving access to childcare and leave, and shaping immigration policy to sustain the growth of our working population. It’s worth noting that projections for 2025 and 2026 suggest net immigration losses nationwide, which could further strain the system. These are big-picture risks, but they directly impact the retirement plans we build together. Staying informed about policy shifts and their implications is essential for crafting a retirement income plan that stands the test of time.

10/11/2026

Honoring the Significance of Indigenous Day

Immediate vs. Deferred Annuity: Best Choice for Your Retirement PlanWhen mapping out a retirement income plan, understan...
10/11/2026

Immediate vs. Deferred Annuity: Best Choice for Your Retirement Plan
When mapping out a retirement income plan, understanding the nuances between immediate and deferred annuities can make a real difference. Annuities provide a steady stream of income, offer death benefits, and allow your savings to grow tax-deferred—a combination that can bring genuine peace of mind. Immediate annuities begin paying you within 12 months, making them a good match for those ready to start drawing income soon. Deferred annuities, on the other hand, let your money grow before payments begin. The choices—fixed, variable, or indexed—each come with their own risks, from inflation to liquidity constraints. At Stonehenge Advisor Group, I’ve seen how the right annuity mix can help shape a retirement that’s both secure and flexible. The key is tailoring your strategy to fit your unique goals and timeline.


https://www.roomvu.com/agent-news/john-crowley/1969207-Immediate-vs.-Deferred-Annuity%3A-Best-Choice-for-Your-Retirem

Here's the Minimum Income Retirees Say They Need To Sleep Well (It's Less Than You Think)When it comes to retirement, ma...
10/10/2026

Here's the Minimum Income Retirees Say They Need To Sleep Well (It's Less Than You Think)
When it comes to retirement, many people are surprised at the minimum income needed for peace of mind—often, it’s less than expected. I’ve seen firsthand, through years of helping clients at Stonehenge Advisor Group, that aiming for 70%-80% of your pre-retirement earnings is a solid guideline, especially when you focus on your actual monthly expenses. Your retirement income will likely draw from core sources like Social Security, investment accounts, and any pensions you may have. As we design a Tailored Retirement Income Plan, it’s essential to factor in longevity, healthcare needs, inflation, and paying off debt, while keeping your strategy diversified and flexible. Thoughtful planning around these elements can help ensure you truly rest easy in retirement.


https://www.roomvu.com/agent-news/john-crowley/1996371-Here%27s-the-Minimum-Income-Retirees-Say-They-Need-To-Sleep-We

How Much Can You Safely Withdraw If You Retire Early?One of the most common questions I hear at Stonehenge Advisor Group...
10/09/2026

How Much Can You Safely Withdraw If You Retire Early?
One of the most common questions I hear at Stonehenge Advisor Group is, “How much can I safely withdraw if I retire early?” The answer depends a great deal on how long you’ll need your portfolio to last. For a 40% stock and 60% bond allocation, research shows safe withdrawal rates are 3.9% for 30 years, 3.5% for 35, 3.3% for 40, and 2.9% for 50 years. Early retirees especially need to consider the timing of Social Security and embrace spending flexibility as part of a tailored retirement income plan. Thoughtful planning gives you confidence for every stage ahead.


https://www.roomvu.com/agent-news/john-crowley/2064595-How-Much-Can-You-Safely-Withdraw-If-You-Retire-Early%3F

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3810 Township Line Road
Collegeville, PA
19473

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Monday 8am - 6pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 6pm

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