Many of you are invested in variable annuities, which may be much more expensive to own. They have an additional mortality and expense risk fee, which creates a drag on the growth of your money. It can be 1% or higher. We will help educate you on how to cut this expense.
Many teachers have all their money in pretax retirement plans. This means that all the money coming out of your retirement accounts is taxable in retirement. We help individuals find ways to create tax-free pools of money to access.
There are up to 10,000 or more different ways the average couple can claim their social security. Which is best? We will help you determine what is best for your situation.
Many retired educators believe in education. We will show you some simple strategies to help your children and even grandchildren out, which only requires a small amount of money, but will be impactful for them regarding college.
In the last 20 years, we have had three significant Black Swans in our economy that have caused people to lose substantial amounts in retirement. In 2000, 2001 and 2002, which was the tech crash and 911, which gave us three negative years back-to-back. Then we had the housing crisis in 2008, and now we have the COVID Pandemic.
Many have had to sell assets at a loss to give them the retirement income they desperately need causing them to create severe damage to the nest egg they need to live the rest of their life. Does your retirement income distribution strategy put you in a position where you don’t have to sell assets at a loss to produce your income?
Many teachers have unknown risks in their retirement that they don’t have a plan for. Is your teacher retirement prepared with the 12 pillars of a secure retirement? Here is a book to answer that question.
The opinions expressed herein are those of the firm and are subject to change without notice. The opinions referenced are as of the date of publication and are subject to change due to changes in the market or economic conditions and may not necessarily come to pass. Any opinions, projections, or forward-looking statements expressed herein are solely those of author, may differ from the views or opinions expressed by other areas of the firm, and are only for general informational purposes as of the date indicated.