Getting an early start on retirement planning—especially with the help of a professional—can make a big difference in how smooth and successful your retirement will be. But with so many advisors, specialists, and salespeople out there, it can be tough to know who to trust. That’s where Zynergy Retirement Planning comes in. We’re here to help you understand the role of financial planners and give you the information you need to make a smart choice when choosing a retirement planning professional in Burlington County, NJ.

When Should You Start Retirement Planning?

The best time to start is as early as possible. Ideally, you’d begin saving in your 20s when you start working. The earlier you save, the more time your assets have to grow through compounding—where your gains build on past gains year after year. That’s why starting early matters so much.

Visit our blog for helpful answers to common retirement questions, like:

• What Does a Diversified Portfolio Look Like?
• Is NJ A Retirement Friendly State?
• Are CDs a Good Investment?
• What is Dividend Yield?

Types of Retirement Planning Professionals

Another big step is choosing the right type of retirement planner. Certified Financial Planners (CFPs) are considered the most trusted in the field—but their pay models vary and can affect the kind of advice you receive:

• Commission-Based Financial Planners earn only when they sell products. They often focus more on sales than on giving advice. Think of a car salesman pushing a sports car when what you really need is a reliable minivan.
• Fee-Based Financial Planners charge a fee but also earn commissions. They might care more about your goals, but since they still profit from product sales, conflicts of interest can arise. It’s like being sold a decent car but with a lot of costly extras you didn’t ask for.
• Fee-Only Financial Planners are paid only by their clients, with no commissions. Their guidance is focused on your needs, not on product sales. Imagine a car expert helping you find the best fit—without pushing anything unnecessary—just to make sure you get the right deal.

Why Choose a Fee-Only Financial Planner?

A fee-only CFP® works only for you. Here are three great reasons to choose a fee-only financial planner in Burlington County:

1. No sales pressure: Their advice is based on what’s best for you, not on selling products.
2. Advice-focused: They’re paid to give advice, not to sell, so your success is their priority.
3. Aligned interests: Many charge a percentage of assets managed, which means they do better when you do better.

Make Sure Your Planner Is a Fiduciary

Choosing a fee-only planner is a great start—but they should also be a fiduciary. This means they are legally and ethically required to put your needs first. Working with a fiduciary gives you confidence that your retirement plan is being handled with your best interests in mind.

When Do Most People Retire?

There’s no single right answer. While many people retire between 62 and 70, the decision depends on your personal situation. Ask yourself:

• Can I afford to stop working?
• Am I physically able to continue working?
• Do I still enjoy what I do?
• What will I do with my time after retirement?
• Would I rather retire sooner with a simpler lifestyle or later with more financial freedom?

Your answers will help you build a timeline that fits your life, not someone else’s.

Connect with a Virtual Retirement Planning Expert

If you’re nearing retirement in Burlington County, NJ, finding a reliable Certified Financial Planner is crucial. Zynergy Retirement offers virtual planning services tailored to Burlington County residents. As fee-only fiduciaries, we provide honest, personalized guidance with no product pushing. Reach out today to get started!

Retiring in Burlington County, NJ

Burlington County offers several advantages and factors to consider as you plan your retirement:

• Cost of Living: While lower than other parts of New Jersey, the cost of living is still above the national average due to housing and property taxes.
• Housing Options: From single-family homes to 55+ communities, there are housing choices to suit various needs and budgets.
• Healthcare Access: The county is home to respected medical facilities like Virtua Memorial in Mount Holly and Virtua Marlton Hospital—important for retirees managing their health.
• Outdoor Activities: Burlington County is rich in outdoor attractions, including parks, rivers, and trails. It’s great for hiking, fishing, and golf, especially with access to the Pine Barrens and Delaware River.
• Cultural and Social Life: Towns like Moorestown and Bordentown feature lively downtowns, with shops, restaurants, and local events that keep life active and engaging.
• Transportation: With NJ Transit and easy access to Philadelphia and New York City, it’s a convenient location for travel and day trips.
• Taxes: New Jersey’s property taxes are high, but seniors may qualify for relief programs and exemptions that ease the burden.
• Senior Services: Burlington County offers many senior-friendly programs, like wellness classes, transportation help, and community events to stay involved.
• Climate: Residents experience all four seasons. Some enjoy the variety, while others may consider relocating for warmer weather.
• Affordability: Burlington County is more budget-friendly than northern New Jersey. Still, it’s important to consider your finances carefully to see if it aligns with your retirement goals.

In the end, your decision to retire in Burlington County should reflect your financial picture, personal preferences, and lifestyle goals. Take time to explore towns in person, speak with a planner, and think through your options to make the best choice for your future.