Comprehensive Retirement Planning with Tranquility Path
We specialize in gently guiding pre-retirees and retirees to and through the distribution phase of their financial life. As fiduciaries, our goal is to provide you with a tranquil path to retirement by creating a solid retirement plan, with an income you can depend on. We strive to reduce your worries so you can focus on the things that are most important to you. We are located in central New Jersey and help families across the country.
Who We Serve
Retirement is a new beginning.
We work with pre-retirees and retirees to help you transition from your working years to your golden years. While most advisors only focus on accumulating money for their clients, there’s a unique skill set needed to develop and implement strategies for individuals transitioning to retirement. We guide our clients through retirement income planning, Social Security strategies, investment management, insurance, and legacy planning.
- Pre-Retirees
- Retirees
- The Next Generation
Our Process
We’ll guide you through the opportunities and challenges you may face.
Discovery Session
First we get to know each other. We take the time to understand your unique situation and retirement goals, answer questions, and help determine if we are the right fit.
In-Depth Review
Then we’ll run an analysis based on your current situation and what your dream retirement looks like so we can prepare custom strategies for you.
Your Action Plan
We’ll present you with a custom roadmap that helps keep you on track as you work toward your unique retirement goals.
Implementation & Guidance
Once you’re confident with the plan, we implement it, consistently track your financial progress, and adapt to new goals as your life evolves.
Our Services
Helping you live your ideal retirement.
We design custom strategies that prepare you for any curveballs life might throw your way. We help you create a more tranquil retirement with our flexible, fiduciary, fee-based approach to make the most of your wealth.
Investment Management
We’ll help you navigate the complex world of retirement savings and identify investment options to grow your money, such as IRAs and 401(k)s, while enjoying tax benefits. If you have equity compensation, such as stock options or RSUs, they can be a valuable feature from your employer and a way to share in your company’s success. It’s important to consider using your equity compensation to build wealth for the future and incorporate it into your financial strategies.
Retirement Income Planning
Work toward a worry-free retirement with a well-planned distribution strategy, where you don’t rely solely on investment income to sustain your lifestyle and allow your portfolio to grow. We’ll also help you plan for required minimum distributions (RMDs) to shield your retirement savings from potential tax penalties. By following a comprehensive distribution plan, we can help you achieve peace of mind and the retirement you deserve.
Insurance Planning
Financial planning is about growing your wealth, but insurance planning is about managing it. Insurance planning is a cost-effective strategy to prepare for unexpected events such as the death of a loved one, the need for long-term care, or a disability. Depending on your personal situation, there may be strategies where insurance can help with retirement income, tax benefits, or estate planning.
Social Security & Medicare Strategies
Understanding your Social Security benefits is crucial when pursuing long-term financial stability. With our professional guidance, we’ll help you understand the features of different claiming strategies and develop a personalized plan that integrates your Social Security income with your overall financial picture. We’ll also educate you about Medicare programs so that you can make informed decisions about your healthcare.
Estate Preparation & Legacy Planning
Estate and legacy planning involves the process of deciding how you want to distribute your wealth and assets among your family and loved ones after you pass away. We’ll help you determine the right questions to ask to make sure your family and community are taken care of.
About Us
Seeking a tranquil path toward the financial well-being of you and your family.
As an independent RIA and a fiduciary, we always focus on what works best for you and your family. We are not stockbrokers, market-timers, or stock pickers, and we do not chase yesterday’s winners. We have our feet firmly grounded in Nobel Prize-winning investment strategies that help us determine high-quality options for lifetime income throughout retirement. Let us help lead you toward true financial peace of mind in retirement by creating a financial road map that addresses your goals and dreams.
Our Client Stories
I always recommend Oscar as he’s very knowledgeable and helps ease your worries about the future.
When my wife and I decided to have kids, we knew we needed to enlist the help of a financial advisor. One of my patients highly recommended Oscar Casas at Tranquility Path Investment Advisors, and since partnering, he has helped me plan for retirement and understand my risk tolerance. When I have questions, he always gets back to me, and he helps me understand my options so I feel confident I’m making the best decision. I always recommend Oscar as he’s very knowledgeable and helps ease your worries about the future.
We have been with Tranquility Path Investment for several years now, and it’s one of the best decisions we’ve ever made.
I had recently retired and was at a complete loss as to what to do with my small retirement funds. My husband and I were introduced to Henry Zupko and his wife by close friends of ours, and we shared a table with them at an event we attended. Henry was gracious and professional, and so we made our first appointment to see him. Through our partnership, we watched our investments grow, which has allowed us to do so many more things that I previously could only dream of, like extensive traveling. Please do yourself a favor and make an appointment with Tranquility; they’re professional, courteous, and easy to work with. They never pressure—just great advice. We have been with Tranquility Path Investment for several years now, and it’s one of the best decisions we’ve ever made.
Henry’s amazing financial advice, combined with the ability to thrive on my husband’s income, changed our lives.
Because of Henry’s expertise, I was able to retire from a very stressful career as a physician in order to volunteer as a health and education advocate while being available when our youngest child had special needs. Henry’s amazing financial advice, combined with the ability to thrive on my husband’s income, changed our lives. My youngest is now in his fifth year of his Ph.D. at age 23 and has also partnered with Tranquility Path as his financial advisor. Henry has been so helpful that we have referred many others to him. We moved to Washington State over 20 years ago, and Tranquility Path was able to continue advising us, our friends, and the next generation. Henry’s ethics and effectiveness are what had us working with him in the first place and what keep us working with him. We appreciate the comfort and confidence Henry and his team give us during and despite terribly uncertain times!
The best benefit of partnering with Henry has been his ease of accessibility and his ability to handle our needs in a timely manner.
We decided to seek the help of a new financial advisor when we felt our advisor at the time wasn’t providing adequate or reliable information so that we could retire. Based on a recommendation from our lawyer, we reached out to Henry Zupko. Henry has helped us maintain a budget so we can be comfortable while also traveling and pursuing our hobbies and interests. We’ve recommended Henry to several people, sharing how professional, personable, and astute with financial matters he is—and they’ve all been very pleased with the recommendation. The best benefit of partnering with Henry has been his ease of accessibility and his ability to handle our needs in a timely manner.
More than anything else, partnering with Oscar and Tranquility Path has given me peace and confidence regarding my future.
When I first started out in my career, I realized I had meaningful questions about retirement planning, tax benefits, and life insurance needs. I decided to seek the help of a financial advisor to get answers to those questions. Oscar Casas and Tranquility Path were recommended to me by a trusted mentor who had worked with the team for decades, so I reached out. After ending a long tenure growing my retirement at one company, Oscar helped me roll over and optimize my nest egg so it could grow safely and quickly based on my risk tolerance and time window. I have recommended Oscar and Tranquility Path to everyone—my friends, coworkers, and family. All of them are glad to have an educational and patient advisor in their corner, and very happy with the fee structure compared to other advisors they’ve spoken with. More than anything else, partnering with Oscar and Tranquility Path has given me peace and confidence regarding my future.
Blog
Cut through the confusion with our financial insights.
Navigating Retirement: How Social Security Fits Into Your Financial Future
By Henry Zupko, MBA, CFP® As retirement approaches, you’re likely considering the Social Security piece of the puzzle. Amidst the wealth of information around retirement timelines, benefit utilization, and withdrawal strategies, it can be a
The Biggest Financial Mistakes We See Pre-Retirees Make
By Oscar Casas, CFP®, CRPC®, MPAS®, ABFP℠ The years leading up to retirement are crucial for building the wealth to support your desired retirement life. As you get closer to retirement age, it’s important to
You’ve Inherited Money, Now What Should You Do?
Inheriting assets can bring about many mixed emotions, ranging from surprise and hope for the future to feeling overwhelmed with decisions that need to be made and sadness at the loss of your loved one.
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