Financial Planning for Philadelphia's Academic and Medical Community

Philadelphia is home to one of the most concentrated academic and medical ecosystems in the country. Professors, administrators, and physicians at institutions like the University of Pennsylvania, Drexel, Temple, Villanova, Penn Medicine, Jefferson Health, and CHOP spend their careers building meaningful retirement benefits — and deserve a financial advisor who actually understands how those plans work.

A Specialist for University and Nonprofit Hospital Retirement Plans

Emeritus Wealth Management focuses exclusively on university and college employees, administrators, and nonprofit hospital physicians. We know how TIAA, Fidelity, and Vanguard 403(b) plans are structured, how annuity options inside TIAA function, and how the retirement decisions facing an academic or hospital-based physician differ from those facing someone in the private sector. 


If your financial life is centered on a university or nonprofit hospital retirement plan, you may benefit from a specialist, someone who has spent years working inside this world.

Philadelphia-Based, Available Wherever You Are

Emeritus Wealth Management is headquartered in Philadelphia, available by appointment for local clients. But our practice is built to serve clients nationwide — fully virtual, with no geographic limits on who we work with. Whether you're at an institution in Center City or across the country, the experience is the same: a focused, personable team that meets you on your schedule, without the formality of a traditional advisory firm.

 

We work with clients at universities and nonprofit hospitals across the country, and the Philadelphia area's depth of academic and medical institutions makes it a community we know well.

What We Help Philadelphia Academics and Physicians Navigate

The financial questions facing university employees and nonprofit hospital physicians in the Philadelphia area are specific. We work through them with clients every day:

 

  • When to begin drawing on TIAA annuity income, and which payout option fits your retirement picture
  • How to coordinate retirement plan distributions with Social Security timing
  • How to structure income across TIAA, Fidelity, or Vanguard accounts to manage taxes in retirement
  • Whether your current asset allocation still makes sense as retirement approaches
  • How to think about disability coverage, life insurance, and long-term care as part of a complete financial plan
  • What financial planning looks like for physicians navigating nonprofit hospital employment versus private practice

Fiduciary Advice, No Affiliation with Any Plan Provider

Emeritus Wealth Management is an investment advisor. We are not affiliated with, employed by, or compensated by TIAA, Fidelity, Vanguard, or any university or hospital system in the Philadelphia area, including those mentioned on this page. The institutions referenced here are named as market context only, to reflect the community we serve. As fiduciaries, we're obligated to act in your best interest.

Explore the Planning Areas Most Relevant to You

  • Do you work with clients at Philadelphia-area universities and hospitals specifically?

    Yes — the academic and medical institutions across the Philadelphia area represent exactly the client community we focus on. That said, our practice is fully virtual and nationwide, so we work with university and nonprofit hospital employees regardless of where they're located.

  • Are you a TIAA advisor in Philadelphia?

    We're an Investment Advisory practice with deep fluency in TIAA plans — not a TIAA employee or affiliated representative. Our team's background includes time spent working inside TIAA, which gives us a detailed understanding of how TIAA products work. We also work extensively with Fidelity and Vanguard 403(b) plans.

  • What makes Emeritus different from other financial advisors in Philadelphia?

    We work exclusively with university employees, administrators, and nonprofit hospital physicians — which means every planning conversation we have is grounded in the specific retirement structures, benefit decisions, and income patterns that define this professional community.

  • Do I need to come into an office to work with you?

    No. Our practice is virtual-first by design. We meet with clients over video, and the process works the same whether you're in Philadelphia or anywhere else in the country. Our office is available by appointment for local clients who prefer an in-person meeting.

  • Do you offer retirement income planning for professors and physicians approaching retirement?

    Yes — retirement income planning is one of the core areas we focus on. That includes decisions around TIAA annuity income, Social Security timing, account distribution sequencing, and tax planning in retirement. If you're within five years of retirement, that's exactly when these conversations matter most.