The People Behind Your Retirement Game Plan

Our team comprises seasoned professionals who provide hands-on retirement guidance — and a staff genuinely dedicated to helping you turn your financial goals into reality

Game Planning for a Winning Second Half.

Retirement is where financial decisions become more connected and more permanent, and many people reach this stage feeling unsure how income, Social Security, healthcare, and protection all fit together. We built this firm to focus specifically on these transition years — helping individuals and couples move from saving to living on their assets with more confidence and clarity. With offices in Sciota, PA and Phillipsburg, NJ, we provide local access to guidance designed for the realities of retirement.

Our Mission

We exist to help people make confident retirement decisions by turning complexity into clear, coordinated plans. Our hands-on approach ensures that each client receives personalized, knowledgeable, and caring guidance — because we're genuinely dedicated to helping you get the second half right.

Explore Our Services

Industry Recognition and Credentials

Halftime Wealth Management's advisors hold the Certified Annuity Advisor (CAA) designation and have earned carrier-level recognition reflecting their depth of focus in retirement income planning.


  • Allianz Life Top Producer
  • American Equity Platinum Elite Agent
  • TruChoice Financial Top Financial Professional


These awards reflect the trust clients and carriers place in the firm's retirement planning expertise.

What You Can Expect From Us Every Day

01

Retirement-Focused Guidance

You're not getting broad, one-size-fits-all advice. Everything is tailored to fit your current situation and built around the specific decisions that come with entering and living in retirement.

02

Clear, Practical Explanations

When financial topics feel overwhelming, we give you straightforward explanations that help you understand what matters, why it matters, and what to do next.

03

Accessible, Local Support

Having offices nearby means you can meet in person or connect easily when questions come up — responsive, caring support is part of how we work.

04

Coordinated Planning Approach

Income, Social Security, Medicare, and protection strategies are aligned so each decision supports the next and your plan works as a whole.

A Team Focused on Your Retirement Experience


Michael J. Cohen, CAA

President & Owner



James Pugliese, CAA

Retirement Specialist




Elisa Guerra

Operations Director



Karen Beruta

Events Coordinator


Proudly Supporting the PA and NJ Community

Halftime Wealth Management serves individuals and families across Monroe County, Northampton County, and Warren County with a focus on retirement transition planning. Clients often come from surrounding communities where access to clear, local financial guidance makes a meaningful difference. Whether meeting in person or starting with a phone conversation, the goal is to provide consistent, accessible support throughout retirement. The firm's presence in both Pennsylvania and New Jersey allows it to stay connected to the people and communities it serves.

People relaxing on benches and grass along a curving path in a green park

REVIEWS

HERE'S WHAT OUR CLIENTS ARE SAYING:

Linda G.

Mike at Halftime Wealth Management is extremely knowledgeable of the products he offers. He is patient and kind and offers detailed explanations to help us better understand the products.
Michael is a rare financial professional that truly puts his clients needs first.

Trevor S.

Michael is a rare financial professional that truly puts his clients needs first.

Kenneth C.

Extremely happy with the financial advice and retirement plan that Michael had proposed! I have all the confidence in Halftime Wealth Management.

Rocco C.

Mike has given us a way to protect our assets. We aren’t losing a penny of our retirement nest egg and doing very well avoiding the volatility of the Market. Highly recommended!

Theresa D.

Mike is great! Very informative!

Eric P.

Great experience and great advice! Answered all of my questions in depth. Very clean and modern office. Super helpful. A+

Gregory S.

Great advice without being pushy. Owner is very nice. My only complaint is that the company should be name “Fulltime Wealth Management”, because Mike doesn’t rest until the job is done.

Mark P.

Very sensible approach to retirement planning. I highly recommend Halftime Wealth Management!

Brian C.

I had a lot of questions and Halftime Wealth Management thoroughly answered all of them and helped me put together a plan that has me securely set up for the future. Highly recommend!

Hollie F.

Mike had provided me with answers to questions that both my husband and I have been having on behalf of our parents wealth management plan. I know enough to not TRUST easily. it’s been an incredible journey so far and Mike as been available by text and phone which is so unique these days. We truly appreciate the personalized care that he and his team have shown throughout this VERY STRESSFUL time. I did not plan to be the planner for our parents and here we are! God put Mike in our path via his long time friends and that introduction was such perfect timing ! We are finding Joy in our Journey! I would recommend Halftime ! FOR SURE

Ryan S.

Halftime Wealth Management has been my go-to advisor for advice on every aspect of my financial future. All of the options for retirement plans are very confusing and Mike has answered the phone or responded to a text right away whenever I needed help. I know my financial future is in good hands because I trust and enjoy the relationship I have with Mike and his team at Halftime. Can’t recommend this firm enough.

Tessa B.

My parents were getting ready to retire and neither one of them were too locked-in on their financial planning. When they asked me for my help in finding the right advisor, we went to several seminars around the Lehigh Valley and met with 4 different advisors to see what they had to offer and how they ran their business. It was clear from the first time we met Mike that we found the right fit for my parents. He was thoughtful in his questioning and planning, putting extra emphasis on where certain money came from and how it should be spent or preserved. He showed he did not just care about his own business, but that he cared about my parents, their goals, and our entire family. He even spent the morning of a holiday coming to my parents house to meet me and my siblings so that we could all get to know one another. We are all very comfortable with Halftime Wealth for our parents, because they now have a plan that gives us peace of mind for their financial future. Thanks Mike and everyone at HT Wealth Management!

Zee F.

Awesome. Wonderful people. Love dealing with Michael & Jimmy.

Linda G.

Mike at Halftime Wealth Management is extremely knowledgeable of the products he offers. He is patient and kind and offers detailed explanations to help us better understand the products.

Trevor S.

Michael is a rare financial professional that truly puts his clients needs first.

Get the Clarity You've Been Looking For

When you're close to retirement, knowing who you're working with matters just as much as the plan itself. You won't only find knowledgeable professionals here — you'll find a team genuinely dedicated to turning your retirement goals into reality. Start with a conversation and take the first step toward a clearer, more confident second half.