PENN.
Serving Families Across the Commonwealth of Pennsylvania.

PennsylvaniaRetirement
Experts.

A fiduciary retirement advisor built for Pennsylvania families. From IRA strategy to Social Security timing, we turn your savings into income that holds up for life, backed by one of the most favorable retirement tax environments in the country.

Schedule a Consultation View Services
Daniel Barram, RICP® WMCP®, Chief Investment Officer
Daniel Barram RICP® WMCP® · CIO
Lisa Barram, President
Lisa Barram President · Co-Founder
100%
Fiduciary. Always.
Pennsylvania state icon
Local
Pennsylvania Roots
RICP®
Retirement Income Certified
RPG tree icon
IRA
Ed Slott Master Elite Advisor
Rooted in Pennsylvania

Built for the way Pennsylvanians actually retire.

Most retirement advisors apply a generic national framework to every client. Pennsylvania families deserve better than that. The Commonwealth has distinct advantages that a well-designed plan can put to work, but only if your advisor understands them well enough to build around them.

We work with PA families across the full arc of retirement planning, from the final years of accumulation through decades of drawdown, coordinating every moving part so nothing falls through the cracks.

PA Tax Advantage
Pennsylvania exempts IRA distributions, 401(k) withdrawals, pension income, and Social Security from state income tax. Most retirees here leave significant money on the table by not designing their withdrawal strategy around this.
Statewide Knowledge
Whether you're in the Philadelphia suburbs, Lancaster County, the Lehigh Valley, or anywhere between, we understand what retirement actually costs in your corner of Pennsylvania and build plans that reflect it.
In-Person or Remote
Our office is in Horsham, PA. Our clients are across the state and beyond. We meet however works best for you, and our federal registration means geography is never a barrier to getting the right advice.
What We Do

Retirement services designed around Pennsylvania's strengths.

Specialized planning for PA families who want their retirement income to work harder and last longer.

01

Retirement Income Planning

Most people save for decades without ever planning how to spend it down. We build a structured income strategy that layers Social Security, portfolio withdrawals, annuities, and RMDs so every source works together, and nothing runs dry.

Social SecurityRMD PlanningIncome Sequencing
Couple looking across bridge toward city
01
Dan Barram with clients at an event
02
02

IRA & Roth Conversion Strategy

Daniel Barram holds the Ed Slott Master Elite IRA Advisor designation, one of the most rigorous IRA credentials in the country. We apply that expertise to help Pennsylvania families reduce lifetime taxes, execute strategic Roth conversions, and protect inherited assets.

Roth ConversionsInherited IRAIRA Rollover
03

Tax-Efficient Withdrawals

Pennsylvania's favorable retirement income tax treatment creates real planning opportunities, but only if you know how to use them. We sequence withdrawals across accounts to lower your lifetime tax burden and extend the reach of every dollar you've saved.

Tax Bracket ManagementPA Tax PlanningCapital Gains
Pennsylvania city skyline and river at sunset
03
Older couple walking together down a peaceful street
04
04

Social Security Maximization

When you claim Social Security affects your lifetime benefit by tens of thousands of dollars. We run detailed projections for individuals and couples to identify the filing strategy that puts the most income in your pocket over your retirement years.

Claiming StrategiesSpousal BenefitsTiming Analysis
Why Fiduciary Matters

Legally required to put your retirement first.

Not every financial professional is required to act in your interest. Many are only required to recommend something "suitable." A fiduciary standard is categorically different, and it is the only standard we work under.

No Commissions

We earn nothing from product sales. No trailing commissions, no referral fees, no hidden incentives. What you pay us is what we earn, nothing more.

No Hidden Conflicts

We have no agreements with insurers, fund companies, or anyone else that could influence what we recommend. Your plan reflects your situation, not a sales quota.

SEC Registered

Prosperity Advisers LLC is registered with the SEC as a Registered Investment Advisor. Our record is public and verifiable on FINRA BrokerCheck at any time.

Retirement Specialists

Retirement income planning is a distinct discipline. We have built our entire practice around it, from the credentials we hold to the tools we use to the clients we serve.

Our Approach

How we put your retirement plan together.

01

Discovery

We start by understanding your full picture: income sources, expenses, savings, goals, timeline, and what a successful retirement actually looks like for you.

02

Strategy

We design a personalized retirement income plan that addresses withdrawal sequencing, tax planning, Social Security timing, and IRA optimization specific to your situation.

03

Implementation

We move from plan to action: building the right portfolio, optimizing account structure, and executing the strategy across all your financial accounts in a coordinated way.

04

Ongoing Care

Retirement can span three decades. We stay with you as tax laws change, markets move, and life evolves, adjusting your plan to keep it working over the long haul.

PA Retirement Tax Advantage

Pennsylvania exempts IRA and 401(k) distributions, pension income, and Social Security from state income tax. Most PA retirees leave real money on the table by not structuring their withdrawals around this.

Independent & Federally Licensed

We answer to you alone. No product company, no fund sponsor, no insurer. Our federal registration means we serve clients anywhere in Pennsylvania and beyond.

Talk to a Pennsylvania Retirement Expert

No cost. No obligation. Just a direct conversation about your retirement goals and how to reach them.

Schedule a Consultation
Serving Families Across Pennsylvania

Retirement planning that knows Pennsylvania.

0%
Pennsylvania state tax on IRA, 401(k), pension & Social Security income

Pennsylvania's retirement tax environment is one of the most favorable in the country. But knowing the rule and knowing how to build a withdrawal strategy around it are two different things. We do the latter, coordinating every income source so your money works harder and lasts longer.

We serve PA families across the Commonwealth, from the eastern suburbs and the Main Line to Lancaster County, the Lehigh Valley, and beyond.

Areas We Serve
Greater Philadelphia
Horsham / Lansdale
Main Line
Bucks County
Montgomery County
Lancaster County
Lehigh Valley
Statewide, PA
Client Perspective

What Pennsylvania families are saying.

Real reviews from real clients. Read more on Google.

"I have been investing under the guidance of 'traditional' money managers for over 20 years, but when it came to retirement planning, I was not getting the guidance I was looking for. I met with multiple organizations to meet these needs, and RPG was by far the best choice I made."

EB
Eric B.
Google Review. 5 stars.

"We are very pleased and grateful to have discovered RPG. They have cared for our resources as if they were their own, while respecting our priorities and needs. Their staff is exceptional, responsive and helpful."

LM
Laurel M.
Google Review. 5 stars.

"Lisa and Daniel have been extremely helpful in planning our financial future. We are very pleased with their services and knowledge of every aspect of financial planning, retirement and the approach to our future financial needs."

SR
S.L. Russell
Google Review. 5 stars.
Ready to Start?

Let's build a retirement income plan that actually holds up.

You have done the saving. The harder part is making it last. A well-built retirement income plan accounts for taxes, inflation, Social Security timing, and 30 years of unknowns. That is what we do, as a fiduciary legally required to put your interests first.

Part of Retirement Prosperity Group, a BBB A+ rated fiduciary advisory firm serving Pennsylvania families and clients nationwide.

Free Retirement Consultation

A straightforward conversation about where you are, where you want to be, and what it takes to get there. No cost, no pressure.

Schedule Now Watch Our Video Library
Fiduciary • Fee-Only • Nationally Licensed