Retirement Planning and Long Term Care

With our expert professional network we have access to professionals with over thirty years of experience in complex business, family and financial strategies and goals. Our professionals are here to help guide you through the often overwhelming process of creating an insurance and financial plan.

Call Joe or Mercedes Ritter for more information or to schedule an appointment 610-947-5771.

Edward A. Zabielski, Jr., LUTCF, CAP®

Headshot of Edward A. Zabielski

Edward A. Zabielski, Jr. has over thirty-five years of experience as a Financial Advisor to high net worth individuals and companies throughout the United States and abroad.

Mr. Zabielski designs and implements strategies to guide clients through a wide range of complex business, family, and financial decisions.

Mr. Zabielski is the president of Edward A. Zabielski, Jr. & Associates in Middletown, Delaware. Mr. Zabielski has earned the Chartered Advisor in Philanthropy (CAP) designation and helps individuals, small businesses, and non-profits reach their Philanthropic goals, while also meeting their non-charitable estate planning and wealth management needs. In 1996, he and his wife, Patricia, formed The Edward A. Zabielski, Jr. Foundation to help less fortunate children. In 2002, he was elected to the Board of Trustees of the National Association of Insurance and Financial Advisors (NAIFA) and re-elected in 2004. Mr. Zabielski has received numerous industry awards throughout his career, including membership in the Top of the Table and International Forum. These achievements have placed him among the top one percent of financial service professionals worldwide. He is a member of the National Football League Players Association (NFLPA), which provides NFL players access to a diverse group of qualified financial professionals. His success and expertise have lead him to become a prominent nationwide speaker regarding financial strategies.

Schedule a Review

Review your individual situation and personal needs.

Everyone’s financial situation is unique. That’s why it’s so important to find out as much as we can about you and your financial goals. The more we know about you, the more precise recommendations we can make and the more we can help you. As a result, we may take some time to discuss your hopes, dreams and objectives — the things that really matter to you.

Analyze and review your needs.

As needed, we will work with you to identify and prioritize your objectives, and then help establish benchmark goals. This is important because we live in a world of unlimited choices. People often fail to achieve objectives because they try to accomplish too much at once, or they don’t attach specific deadlines to their goals. By breaking down your goals to specific objectives, you can look at available resources and decide which goals are realistic and which need to be adjusted and scaled down.

Develop and implement a strategy.

Develop and implement a strategy that may help you achieve your goals. Based on our conversation and analysis, our professionals can recommend some insurance and financial products that may help you achieve your financial goals.

Coordinate your financial activities.

If you would like, we can also coordinate your insurance and financial activities for you with the other members of your team of financial, tax and legal advisors.

We can provide ongoing service as your needs and situation changes over time. Strategies need to be adjusted periodically as your life changes. We will work with you over the years to help keep your program on track with your changing needs.

Common Questions about Retirement Planning and Long Term Care

Have a question you would like answered about retirement planning or long term care added to this list? Please submit your question via our contact form.

Financial Planning Disclosures

Annuities - Consult with a licensed financial professional to determine if an annuity is appropriate for your needs.

Guarantees are backed by the financial strength and claims paying ability of the issuing company.

Product and feature availability may vary by state and broker/dealer.

Ken Klein

Headshot of Ken Klein

As a Financial Strategist, Ken applies his expertise in systematic problem solving to optimize financial strategies for his clients. Ken is passionate about his work with families and individuals in need of financial guidance. Ken’s area of expertise lies in implementing tax-smart strategies for retirement. Ken is our CPA and the Sole Proprietor of Extra Mile Tax Prep Service, Product Manager of Smiths Detection Inc., and the Vice President of Engineering and Operations at AccelaPure Corp. Ken’s past professional experience also includes positions at Berger Instruments Inc. and Hewlett Packard.

Ken received his Bachelor’s Degree in Mechanical Engineering from Iowa State University. He went on to pursue a Master of Science Degree in Management of Technology from National Technology University in Ft. Collins, Colorado. Ken is a FINRA Series 6, 63 and 65 licensed, and has completed the IRS Annual Filing Season Program for the past 2 years.

Growing up in Burlington, Iowa, Ken developed a love for the outdoors. He worked his way up to becoming an Eagle Scout and was also a past canoe guide in Minnesota. Ken has maintained an active lifestyle through hiking, camping, canoeing, kayaking, and scuba diving. Ken resides with his wife, Janet, in Newark, Delaware, where he is an Elder and the Treasurer of the Bible Fellowship Church. He is the father of three grown children, Jason, Stephanie and Caleb, and proud grandfather of 6 wonderful grandchildren.