Financial Planning for Those Who Spend Their Careers Serving Others
Emeritus Wealth Management is a wealth management practice for university employees and nonprofit hospital physicians, built around the retirement plans and career paths specific to your field rather than generic advice for any paycheck. As a fiduciary, we're legally obligated to act in your best interest, not to steer you toward whatever pays the most. We work virtually with clients nationwide, no matter which institution, hospital system, or state you call home.
Advisors Who Specialize in Your World
Your Career, Your Plan
Most financial advisors work with a little of everything. We work with one thing: the financial lives of university and college employees, administrators, and nonprofit hospital physicians. That focus shapes every plan we build, from retirement account strategy to income planning in retirement.
We specialize exclusively in clients from universities, colleges, and nonprofit hospitals, so the strategies we build start from your career.
We're fee-transparent, with no compensation from any retirement plan provider shaping our advice.
We work across TIAA, Fidelity, and Vanguard university retirement plans alike, so whatever your plan holds, we can help.
A Firm With Deep Roots in Higher Ed and Healthcare Retirement Plans
Who We Are
Our team's background includes time at TIAA, which gives us added fluency with TIAA, Fidelity, and Vanguard university retirement plans alike. We've built our entire practice around the questions academics and hospital physicians actually ask about their retirement, their benefits, and their long-term financial picture.
We're a small, personable team, and we mean that literally. Meetings happen over relaxed video calls. Andrew, our operations manager, keeps things running behind the scenes, and we're growing, with two additional advisors joining soon to support more clients across more institutions.
Financial Planning Built Around Your Field
Who We Serve
Professors, administrators, and physicians face different retirement questions, different benefits structures, and different timelines, so we built distinct planning paths for each.
For Professors and Administrators
Whether you're navigating a 403(b) through TIAA, Fidelity, or Vanguard, or planning around tenure and phased retirement, we build a plan around your specific institution's benefits.
For Physicians
Between deferred compensation, malpractice considerations, and a career timeline shaped by years of training and delayed peak earning, physician retirement planning takes a specific approach. We build ours around it.
Real experiences from people planning for their financial future.
What Our Clients Say
This testimonial was provided May 2026 by current clients of Stratos Wealth Advisors, LLC and may not be representative of the experiences of other clients. The client was not compensated, nor are there material conflicts of interest that would arise from a familial or personal relationship that would affect the given testimonial. Stratos Wealth Advisors, LLC is a registered investment adviser. Stratos Wealth Advisers, LLC and Emeritus Wealth Partners are separate entities.
Carol and I always look forward to your visits with us to assess financial performance and plan for the future.
We value your knowledge and expertise, and perhaps even more so, your willingness to listen to us.
In our visits, you always demonstrate what true professionalism means by understanding our financial needs and making it easy for us to share our thoughts.
In sum, we can think of no one better to guide our financial planning journey.
- Donald W.
Common Questions From University Employees and Physicians
What People Ask Us Before Reaching Out
Do you only work with TIAA account holders?
No. While our team's background includes TIAA, we work across TIAA, Fidelity, and Vanguard university retirement plans alike. Your plan provider doesn't determine whether we can help you, your career and your goals do. Most of our clients hold accounts across all three providers.
Do you work with clients outside Pennsylvania?
Yes. Emeritus Wealth Management is a virtual-first practice serving university employees and nonprofit hospital physicians nationwide. We meet with clients over video regardless of what state or institution they're affiliated with, and location has never limited who we can work with.
How is financial planning different for university employees versus a general audience?
University retirement plans, tenure timelines, and institutional benefits structures come with their own set of rules and options. We specialize exclusively in this audience, which means our planning process starts from your specific benefits and career path from day one.
What makes financial planning different for nonprofit hospital physicians?
Physician retirement planning often involves deferred compensation structures, malpractice considerations, and a career trajectory shaped by extended training and delayed peak earning years. We build plans around those specifics, factoring in the timeline and structure unique to a medical career.
What should I expect from an initial consultation?
A first conversation is a chance for us to understand your institution, your plan type, and your goals before we recommend anything. There's no cost or obligation, and it's the same relaxed, video-based format we use for ongoing client meetings. From there, we'll outline what a plan built around your situation would look like.
