Montgomery Township financial firm helps families navigate life’s biggest transitions

Prepared Retirement Institute, a fee-only financial planning firm based on Montgomery Avenue in Montgomery Township, off Doylestown Road, offers a team-based, coordinated approach to helping individuals and families manage complex financial decisions — particularly during life transitions such as widowhood, retirement, or business succession.

At the core of the firm’s approach is a collaborative service model, where each client is supported by a dedicated team that includes a Client Relationship Manager, Financial Planner, and Lead Advisor. This structure ensures clients receive responsive, personalized guidance rooted in both financial expertise and life-centered planning.

“With parents living longer, there’s a growing need for Gen X and Gen Y to step into roles they didn’t expect,” said Andy Dziedzic, founder of Prepared Retirement Institute. “Our clients are often simultaneously caring for their children and aging parents while trying to make smart, values-driven financial decisions under pressure. Our role is to support them through that complexity.”

Prepared Retirement Institute works with clients across the country and has built trusted relationships with CPAs, estate attorneys, and Medicare specialists to help coordinate the broader aspects of each client’s financial picture. The firm is especially equipped to serve widowed individuals and families, partnering with grief counselors, therapists, and local nonprofit organizations to ensure clients receive both emotional and financial support during life transitions.

A Holistic Approach in Action: Client Case Studies

• Navigating Loss: After the unexpected passing of her husband, one widow was left managing multiple properties and unfamiliar financial responsibilities. Prepared Retirement Institute collaborated with her attorney to organize estate documents, retitle assets, and create a long-term financial plan. The team also connected her with a local grief therapist and facilitated family meetings to support her through this transition.
• Selling a Business: A long-time business owner preparing for retirement sought guidance from PRI during the sale of his company. Working in coordination with his CPA and attorney, the PRI team helped evaluate deal structures, consider tax implications, and transition him into a retirement income strategy tailored to his goals and risk tolerance.
• Transferring Wealth to the Next Generation: A high-net-worth couple wanted to ensure their legacy was passed down efficiently and with intention. PRI facilitated family discussions, involved the adult children in the planning process, and worked with estate planning professionals to develop a multi-generational strategy that aligned with the family’s values.

    

“When there are significant assets involved, we must consider the factors beyond spreadsheets,” said Dziedzic. “Our role is to ask the right questions, bring in the right experts, and help families move forward with clarity and intention.”

Whether guiding clients through life after loss, preparing for retirement, or coordinating multi-generational planning, Prepared Retirement Institute delivers more than just financial projections. They bring together a network of professionals and a compassionate, structured process designed to reduce stress, cost, and complexity.

Whether you're navigating a major life transition or seeking clarity around your financial future, the PRI team welcomes the opportunity to support you. Visit our website to explore educational tools, including our Estate Planning Checklist, a practical guide to help you stay organized and informed during life’s most critical moments. You’ll also find access to our blogs and The Widow Empowerment Podcast, which features conversations with professionals who specialize in grief, healing, and personal resilience.

For inquiries, PRI can be contacted at [email protected] or call 215-997-5700. You can also schedule an introductory call directly through our website at www.preparedretirementinstitute.com.