DeGerolamo Financial Strategies

DeGerolamo Financial Strategies Since 1993 I have provided retirement and personal financial planning services to families, executives, professionals, and business owners. TC125437(0222)P

I use my credentials, experience and expertise to help guide you in making informed and impartial choices. FINANCIAL PLANNING FOR BABY BOOMERS

Retirement Distribution & Legacy Planning

You are now entering, or are already in, the retirement stage of life—a period when thoughtful planning becomes even more important. The focus shifts from accumulating wealth to creating a sustainable income strat

egy that supports your lifestyle for decades to come. Securities and investment advisory services are offered solely by Equity Services, Inc., Member FINRA (FINRA.org) and SIPC (SIPC.org), Rosetree Building 2, 1400 N Providence Road, Suite 3007, Media, PA 19063, (610) 891-9700. DeGerolamo Financial Strategies is independent of Equity Services, Inc. National Life Group is a trade name of National Life Insurance Company (NLIC), based in Montpelier VT, and its affiliates. ESI is a Broker/Dealer and Registered Investment Adviser affiliate of NLIC. Anthony DeGerolamo is a Registered Representative and Investment Adviser Representative of Equity Services, Inc. and offers securities in NJ, PA, DE, NC, SC, FL. He is also insurance licensed in NJ, PA, DE, NC, SC, FL. Legal and tax advice are not offered. Please consult your advisors prior to implementing strategies to determine how they may affect your personal situation.

Every family is different.Every goal is different.That's why conversations about life insurance should begin with unders...
08/31/2026

Every family is different.
Every goal is different.

That's why conversations about life insurance should begin with understanding your unique needs, priorities, and long-term goals.

Asking questions is a great place to start. What questions do you have that I can help answer? Let's connect.

As summer comes to a close, it's a good time to organize important financial and personal documents.Keeping items like i...
08/28/2026

As summer comes to a close, it's a good time to organize important financial and personal documents.

Keeping items like insurance policies, beneficiary information, and estate planning documents in a secure, accessible location can make things easier for you and your loved ones when they're needed.

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.

With Italian American Heritage – I just got recognized as one of their top fans! 🎉
08/22/2026

With Italian American Heritage – I just got recognized as one of their top fans! 🎉

With Riverton Country Club – I just got recognized as one of their top fans! 🎉
08/22/2026

With Riverton Country Club – I just got recognized as one of their top fans! 🎉

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.

With Yogi Berra Lodge #3015 – I just made it onto their weekly engagement list by being one of their top engagers! 🎉
08/17/2026

With Yogi Berra Lodge #3015 – I just made it onto their weekly engagement list by being one of their top engagers! 🎉

With Beverly Taylor – I just made it onto their weekly engagement list by being one of their top engagers! 🎉
08/17/2026

With Beverly Taylor – I just made it onto their weekly engagement list by being one of their top engagers! 🎉

Address

1108 Barclay Boulevard Suite C_D
Marlton, NJ
08053

Telephone

+18568908181

Website

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