Portfolio managers: Shawn Richards and Brian Provost
SET YOUR FUTURE FREE
WE CREATE
RETIREMENT PLANS
AND
INVESTMENT STRATEGIES
CUSTOM TAILORED TO ASSIST
EDUCATORS
IN MANAGING THEIR 403(b)
AND HELPING THEM WORK TOWARDS
We do this in an easy to utilize digital environment as independent fiduciaries advocating for our clients.
ONE-ON-ONE ADVISING
We promise you will always work with the same person when planning your future.
Never a bot. Never a salesman.
Working together we will make decisions that work to benefit your 403(b) plan, goals, and get you to retirement as swiftly and smartly as possible.
OUR METHODS
SET US APART
We develop personal and trusted relationships with our clients to ensure there is a full understanding of 403(b) investments, goals, and the purpose behind all of our decisions.
Creating realistic and achievable financial plans
Continuous education to understand financial instruments
Evaluation and accountability of fees and details of accounts
Individualized goals and necessary steps to reach financial freedom
OUR CAPABILITIES
SERVICES THAT DELIVER RESULTS
Online meetings from any device that work around your schedule
Options for paperless documentation that saves the earth and a whole lot of hassle
Dedicated advisors that build relationships and never push a product
Ongoing reviews of goals, assets, portfolio performance and investment decisions
HOW DOES
MAKE MONEY?
There are expenses associated with all types of retirement accounts. They are internal to the account. Therefore, your investment expenses are drawn directly from the account. In a fee-based 403(b) through teacheretire we charge an annual fee of 1%. If we are utilizing A share or C share mutual funds there are standard fees for the funds that we would cover in detail on our meeting.
How much should I save?
We generally recommend that people save between 10 and 15% of their income towards retirement. With this said, if that is not currently a reality, don’t let that paralyze you. Save what you can as saving something is better than not saving at all. The contributions are flexible and can be changed at any time.
Do I need a 403(b) if I have a pension?
Yes. Your pension will replace a portion of your income, but most people take a 30-40% pay cut when they retire and rely on their pension. In addition, inflation (the cost of goods and services rising over time) is generally higher than the cost of living raises that are attached to a pension. This means the buying power of that pension is decreasing over time.
Should I pay off my student loans first?
While we typically recommend that you try to pay more than the minimum on any debt, we wouldn’t recommend completely paying off your student loans before beginning to invest. Even with extra funds going towards student loans it will still take many years to pay them off. We don’t recommend missing out on years of savings in this scenario. Do some of both!
How does a digital meeting work?
You will receive an invitation with a link to the digital “room” where we are sharing our screen. There is audio but no video. You will be the only person attending your digital meeting. You can attend the meeting from any computer or device. You can download the free Zoom app and run the entire meeting from your smartphone or tablet. Everything will work fine on a traditional PC or Mac as well.
NOW IS THE TIME
Take the first step in launching your retirement strategy today with personalized planning
Send us a message or schedule a consultation
