Smart Retirement Planning and Wealth Strategies for Your Next Chapter
If you’re within 10 to 15 years of retirement, now is the time to take a serious look at your financial future. The pre-retirement years are some of the most critical for financial planning, and the decisions you make now can shape the lifestyle, security, and freedom you’ll enjoy later. At OMNI 360 Advisors, we provide tailored financial services for pre-retirees who want to retire on their own terms—with clarity, confidence, and control.
Our holistic approach helps you prepare for retirement with smart tax strategies, investment planning, healthcare considerations, and income distribution planning—so you can transition smoothly from earning a paycheck to living off your assets.
Who We Serve
OMNI 360 Advisors works with individuals and couples who are approaching retirement and want to ensure they’re financially ready. Our clients include:
- Professionals planning to retire within 5 to 15 years
- Business owners preparing to sell or transition their companies
- Dual-income couples coordinating joint retirement goals
- Individuals managing pensions, Social Security, and 401(k) distributions
- High-income earners optimizing retirement savings before exiting the workforce
Whether you’re just beginning to think about retirement or already setting a timeline, we help you create a customized plan that aligns with your lifestyle goals and long-term needs.
Strategic Financial Services for Pre-Retirees
As retirement nears, it’s no longer just about saving—it’s about protecting what you’ve built and ensuring it lasts. OMNI 360 Advisors offers a full suite of services designed specifically for individuals entering this next phase of life.
Retirement Income Planning
The top question for most pre-retirees is: “Will I have enough to retire comfortably?” We help you answer that with detailed retirement income projections. Our advisors evaluate your savings, pensions, Social Security, and other income sources to develop a sustainable withdrawal strategy that ensures your money lasts through retirement.
Investment Portfolio Review & Risk Management
As you near retirement, protecting your principal becomes more important than chasing aggressive returns. We review your current investment portfolio, assess your risk tolerance, and rebalance your allocations to ensure your assets are aligned with your retirement goals and time horizon.
401(k), IRA & Pension Optimization
Your retirement accounts are powerful tools—but only if used wisely. We help you maximize contributions, plan required minimum distributions (RMDs), and determine when and how to roll over accounts to minimize taxes and penalties. If you have a pension, we assist with decisions around lump-sum vs. annuity options.
Social Security Strategy
Timing your Social Security benefits can significantly impact your lifetime income. We evaluate different claiming strategies, consider spousal benefits, and help you decide the optimal time to begin taking benefits based on your health, income needs, and other retirement income sources.
Tax Planning Before and During Retirement
Pre-retirees often face peak earnings years that can be used strategically to reduce future tax burdens. We help you manage income, deductions, charitable giving, and Roth conversions to reduce lifetime taxes and preserve more of your wealth for retirement.
Healthcare & Long-Term Care Planning
One of the most overlooked expenses in retirement is healthcare. We help you prepare by reviewing Medicare options, estimating future medical costs, and planning for long-term care insurance or self-funding strategies. This planning ensures you won’t have to compromise your lifestyle due to unexpected health events.
Estate Planning & Legacy Protection
As retirement nears, it’s essential to ensure your estate documents are up to date and aligned with your goals. We coordinate with estate attorneys to help you establish or revise your will, trusts, powers of attorney, and healthcare directives. We also advise on strategies for transferring wealth to children or charitable organizations in a tax-efficient manner.
Business Succession & Exit Planning
If you’re a business owner planning to retire, succession planning is key. We guide you through the process of valuing your business, finding buyers or successors, and structuring your exit for maximum financial and tax benefit. Our goal is to help you monetize your life’s work and transition with peace of mind.
Why Pre-Retirees Choose OMNI 360 Advisors
Retirement-Focused Expertise
We specialize in helping individuals and families transition from accumulation to distribution. Our team understands the unique financial challenges of pre-retirement and tailors every strategy to your timeline and vision for the future.
Personalized Planning for Real Life
There’s no one-size-fits-all approach to retirement. We build custom strategies based on your lifestyle goals, risk tolerance, family situation, and financial picture, so you feel confident and prepared.
Tax-Efficient, Long-Term Strategies
We help you not only save money, but keep more of it. Our proactive planning minimizes taxes before and during retirement so you can enjoy more of what you’ve worked so hard to build.
A Partner for the Journey
We’re with you every step of the way, adjusting your plan as your life and goals evolve. As retirement approaches and beyond, you can rely on us for ongoing support and trusted financial advice.
Prepare Today for the Retirement You Deserve
Retirement should be a time of freedom, not financial uncertainty. OMNI 360 Advisors provides the expertise, tools, and personalized guidance you need to make the most of your pre-retirement years and step confidently into the next chapter of life.
Start Planning with Confidence
Call us at (609) 452-0889 or contact us online to schedule a complimentary consultation and start building your custom retirement strategy today.
How we do business – ADV Part 3 – CRS (Please see attached document)
LINDA FARINOLA, CFA, CFP©, EA
Neel Shah, Esq., CEPA, CFP®
BRYAN KATZ CFP®, CHFC®, CLU®, CASL®, RICP®
Jill Katz
Ron McIntire
