"Let's make your golden years shine."
Marilyn Weshnak, Advisor
our Approach
We help you secure your future.
At Wema Senior Strategies, we believe in helping families achieve financial peace of mind through careful planning and risk-free strategies. As a family-owned business serving New Jersey and the NYC area, we take a big-picture approach to financial planning, guiding you through every stage of life’s important decisions. With our zero-fee, zero-risk model, we’ve never lost a penny of our clients’ money. Whether you're planning for retirement, building generational wealth, or preparing for long-term care, our experienced team is here to protect and grow your financial legacy with joy and confidence.
Our services
Get to know what we do best.
our process
A simple path to financial confidence.
At Wema Senior Strategies, we believe financial planning doesn’t have to be overwhelming. Our 4-step process makes securing your future clear, straightforward, and effective.
Community promise
Giving back is investing in a better tomorrow.
At Wema Senior Strategies, we believe in supporting the community that supports us. Each year, we proudly donate to causes that matter, including our annual contributions to
cerebral palsy organizations and the annual children's charity event.
EVENTS
Join us for an upcoming seminar.
If you’re near Somerset, NJ or the greater NYC area, register below to qualify for one of our exclusive financial seminars. Our seminars cover key topics like retirement planning, tax-smart investing, and more, with expert advice from our team.
Understanding the Options
Stay up to date with us.
National Homeownership Month: Building Financial Strength
Spring Clean Your 401(k): Refresh for Financial Success
Social Security Fairness Act: Impact on Retirees Explained
MOVE?
FILET MIGNON AND A WINE TOUR
RETIREMENT READY QUIZ
You don’t have the Virus but your losses are still huge
Perception May be Reality
It’s Time to Come up with a Plan
We are here for you
How many more years do you need to live in order to wait it out?
We know you are concerned
Safety planning for retirement
Get back on your feet
Building your own
Did you know?
Is retirement good for health or bad for it?
Have you determined which is best for you?
A bigger contributor to retirement security?
Optimism that Threatens
Convert Savings into Spending
Receive What You are Entitled to
Some Differences to Reflect on
Holiday Season
A Growth Vehicle plus Guaranteed Income
Silver is the New Green
Identifying Retirement Income Gaps
Game Ready
Family Ready
How do I compare to my colleagues?
A Very Long Time
Master of Retirement
Population Aging
Want to Accumulate?
Retirement Calculators
Transform your Stress
“It’s No Myth, Lack of Diversity Puts Retirement At Risk.”
The Crisis
Boost your Financial Education
Pensionize
Transform Stress into Confidence
Volatility
Counterintuitive Thought
Were you Aware?
Is your Back to the Wall?
Check-up on the Way
Annuities: Why You Need To Know How They Work
Explore Diversified Options
In the News
Retire Your Risk
Can Your Kids Ruin Your Retirement?
Retirement Challenges for Those in Physically Demanding Jobs
The Role of Confidence
Grumps and Complainers
What is your RISE Score?
LOOKING BACK ON RETIREMENT PREPARATIONS
EFFICIENCY
DON’T ASSUME
THE POWER
YOUR TOP ASSET: TIME
WHAT CHOICES WILL YOU HAVE?
DIFFERENT FOR WOMEN
YOUR MONEY AND YOUR LIFE
ASSETS VERSUS INCOME
UNDERSTANDING THE KEY ELEMENTS
UNLESS YOU ARE WARREN BUFFET
WHAT IF THE MARKET GOES UP?
AFTER A VOLATILE END TO 2018
TOP TWO REASONS
JOIN THE CLUB
THE BIG SURPRISE
GOALS
HEALTH AND MONEY
ROLE IN RETIREMENT PLANNING
A COMPLEMENT
FREQUENTLY ASKED QUESTIONS
ONE SOLUTION TO THIS PROBLEM
CONFIDENCE
INCOME OUTSIDE OF SOCIAL SECURITY AND PENSIONS
AGING IS AN OPPORTUNITY
OCTOBER MARKS THE MONTH
PICK UP WHERE SOCIAL SECURITY LEAVES OFF
HAVING YOUR CAKE AND EATING IT TOO!
UNDERSTANDING
INSECURE
ANNUITIES
IMPORTANT ROLE
VIDEOS SAY A LOT
ENSURING INCOME
FOR RETIREMENT SAVERS
DO YOU CRAVE IT?
NEVER FALL BELOW ZERO
RETIRE YOUR RISK
TERMS
MANY USEFUL PURPOSES
PROTECTION FOR YOUR EGG
HEDGING AGAINST SOMETHING BAD
FUEL FOR RETIREMENT
BALANCE
RETIREMENT PLANNING WORKSHEET
DIFFERENCES
BASICS AND BALANCE
SOCIAL SECURITY EARLIER?
LEAVING THINGS TO CHANCE
THE RISKS AND PROCESS OF RETIREMENT
WHAT DOES THAT REALLY MEAN?
THE NEXT BIG THING
DO YOU NEED A SECURITY BLANKET?
REPLACEMENT RATIO
HOW READY ARE YOU FOR THE NEXT BIG THING?
CAN YOU AFFORD IT?
DON’T BE HEARTBROKEN
MISUNDERSTOOD
WHY YOU NEED TO KNOW
WHAT KIND?
ARE YOU ONE IN FIVE?
NO BETTER TIME THAN THE PRESENT
CONSIDER YOUR FUTURE OBLIGATIONS
A SIMPLE WAY
RETIREMENT COMMUNITY RETIREMENT INCOME
FINANCIAL CERTAINTY IS POSSIBLE
AT WHAT AGE?
PLAYING A GAME
MORE LIFETIME INCOME
HISTORY
SHOULD YOU TAKE A LUMP SUM FOR RETIREMENT?
A SLAM DUNK
CRISIS IN RETIREMENT PLANNING
FACTS + STATISTICS
NEW DATA
DIFFERENCES CAN MATTER
BUT WHAT DOES THAT MEAN?
SHORTFALL OR SURPLUS?
WHAT IS IT?
ARE YOU SURE YOU KNOW WHO YOUR BENEFICIARIES ARE?
SUMMER TIME
DO YOU HAVE A DEFINED CONTRIBUTION OR BENEFIT?
GET CONFIDENT
EDUCATING
INFLATION’S IMPACT ON YOUR INCOME
SAVING WHILE PAYING OFF LOANS
THE SECRET
AT LEAST ONCE
RIGHT OR WRONG ONE FOR YOU?
NOW THAT IT IS MAY
CAN AN UP MARKET SINK YOUR RETIREMENT?
CHOICES
PREDICTABLE INCOME
GLOSSARY OF TERMS
DO YOU HAVE AN ILLUSION OF WEALTH OR AN ILLUSION OF POVERTY?
QUESTIONS TO ASK
HOW OFTEN?
BRIDGE THE GAP
HIGH TECH OR HIGH TOUCH
BASIC BUILDING BLOCKS
GROWTH POTENTIAL BUT MORE IMPORTANTLY PRINCIPAL PROTECTION
ADVANTAGES
OLDER COUPLES BOTH EMPLOYED
BRINGING BALANCE
OLDER AMERICANS WORKING LONGER
SOMETIMES IT’S FUN
ARE YOU UNDERSAVED FOR RETIREMENT?
RETIREMENT SECURITY BLANKET
LET’S LOOK BACK TO LOOK FORWARD
IF YOU LIVE LONGER
A STREAM OF CONSUMPTION IN RETIREMENT
DEFINED BENEFIT OR DEFINED CONTRIBUTION
SUCCULENT SAVINGS
ALWAYS LEARNING
HARD TO UNDERSTAND YOUR EMPLOYER PLANS?
STRUGGLING TO SAVE
RETIREMENT IQ
HEALTH CARE: CAN ANNUITIES HELP COVER THE COSTS?
BABY BOOMERS AND LOW RETIREMENT IQ
EDUCATION AND RETIREMENT INCOME
MAKING BETTER DECISIONS
IDENTIFY SHORTFALLS IN YOUR RETIREMENT INCOME STREAMS
DO YOU DRIVE IN THE FAST LANE OR THE SLOW LANE?
RETIREMENT PITFALLS
OVERCOME FEARS AND TAKE ACTION
DEBT IN RETIREMENT
DIFFERENT RETIREMENT PRODUCTS
DID YOU KNOW?
FEARS
DEBUNKING MYTHS
HOW ANNUITIES WORK
WHAT OLDER ADULTS NEED TO KNOW ABOUT MONEY
VACATIONS AND RETIREMENT
RETIREMENT QUESTIONS FOR A JOB
CALCULATORS
THOSE WHO PLAN
WEALTH ACCUMULATION AND INCOME YOU WON’T OUTLIVE
RETIREMENT READS
HAPPY BIRTHDAY
RETIREMENT INCOME OPTIONS FOR WORKING FAMILIES
DO YOU KNOW THE DIFFERENCE?
BACK TO BASICS
WILL YOU BE DRAWING DOWN ON ASSETS IN RETIREMENT?
GIVING
GUARANTEES OR DREAMS AND HOPES?
THINKING TOWARD THE FUTURE
GUIDANCE
ACCUMULATE MORE WEALTH
ONCE THE KIDS ARE AWAY, THE PARENTS WILL PLAY
DIFFERENT OPINIONS?
QUESTIONS ANSWERED
SHORTFALL OR SURPLUS
MISTAKES PEOPLE MAKE
HOW DO THEY WORK?
INCREASING INCOME WHEN THE ODDS ARE STACKED AGAINST YOU
MANAGING RISK
BENEFITS GUIDE
ARE YOU FULL RETIREMENT AGE NOW OR IN THE NEXT SIX MONTHS?
WEATHERING THE STORM
AGING IS NOT A TREND, IT IS HERE TO STAY
PREDICT THE FUTURE?
TAKEAWAYS
WORK, RETIREMENT AND FINANCIAL SECURITY IN THE 21ST CENTURY
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