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300 Bridge Street, Phoenixville, PA 19460

(610) 933-3507
jbrufkewenger@balafinancial.com
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Recently Laid Off? Get a Clear Financial Plan for Your Next Step

Recently Laid Off? Get a Clear Financial Plan for Your Next Step

A job loss can feel overwhelming — but your financial decisions don’t have to be.

Get personalized guidance on your benefits, pensions, retirement accounts, and health insurance options when you need it the most.

401(k) & Retirement Accounts

Not sure whether to roll it over, leave it, or take the income?
We’ll help you understand the most tax-efficient decision.

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Severance, Cash Flow & Liquidity Planning

We’ll review your severance package, unemployment income, and expenses so you know how long your money will last.

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Health Insurance (COBRA vs ACA)

COBRA is expensive — but sometimes it’s your best option.
We’ll help you compare plans so you don’t overpay.

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Taxes & Timing

Avoid tax pitfalls from severance, PTO payouts, and retirement withdrawals.
We help you make the best distribution choice.

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Our Primary Purpose

HOW WE WORK

A Simple, Stress-Free Process

Step 1 — Discovery Call (15 Minutes)
Tell us your concerns, what decisions you’re facing, and which severance benefits you have available.

Step 2 — Layoff Transition Review
We analyze your benefits, retirement accounts, liquidity needs, and insurance options.

Step 3 — Personalized Action Plan
You leave with clear next steps — no confusion, no guesswork.

Who We Are

Our team consists of seasoned financial professional CFPs, with more than 50 years of combined experience guiding clients through life’s most important transitions. We take a comprehensive, holistic approach that integrates financial planning, tax strategy, cash-flow analysis, and long-term investment management. For individuals navigating a layoff, we provide specialized support — from 401(k) rollover strategies and evaluating severance options to coordinating unemployment benefits, assessing insurance needs, and designing a sustainable transition plan. Our mission is simple: to help you make confident, well-informed decisions at a time when clarity matters most at this important crossroads.

MEET THE TEAM

See Our Work in Action

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