Retirement Plans (403(b), 457, IRA and Roth IRA)
Maximize your Workplace Retirement Benefits
Gain clarity around your retirement plan options and incorporate them into your broader financial strategy.
Pension Strategies
Coordinate pension benefits with Social Security and other assets
Your pension is one of your most valuable retirement benefits. We’ll help you understand your options and make informed decisions.
Life Insurance & Long-Term Care Planning
Protect what Matters Most
Protect the people and future you’ve worked hard to build with a plan tailored to your needs.
College Savings
Fulfill your Education Philosophy
Prepare for future education expenses with a tax-efficient savings strategy.
Retirement Readiness for a Career Educator
The Situation
A veteran public school teacher was approaching retirement and wanted to understand how her pension, 403(b), Social Security eligibility, and healthcare benefits would work together. She wanted confidence that she could retire on her timeline without sacrificing her lifestyle.
Our Approach
Working alongside her tax professional, we analyzed her pension options, reviewed her 403(b) and personal investment accounts, evaluated the impact of her spouse’s social security and retirement plan, and developed a coordinated retirement income strategy. We also created a long-term withdrawal plan designed to improve tax efficiency while preserving flexibility throughout retirement.
Outcome
The client retired with a clearer understanding of her retirement income sources and a coordinated financial plan designed to maximize her benefits, reduce uncertainty, and provide confidence throughout retirement.
Financial Planning for a Police Officer Near Retirement
The Situation
A police officer with over 25 years of service wanted to retire early while maintaining financial security for his family. He needed guidance on pension elections, deferred compensation assets, survivor benefits, life insurance, and transitioning from active employment.
Our Approach
We coordinated with the client’s retirement system, legal, and tax advisor to evaluate pension payout options, optimize his 457(b) deferred compensation plan, review insurance needs, and develop an investment and income strategy for retirement. We also incorporated estate planning and beneficiary reviews to ensure his family’s long-term financial protection.
Outcome
The client entered retirement with a comprehensive financial strategy that aligned his pension, retirement savings, and estate plan, providing greater clarity and confidence for the next stage of life.
Transition Planning for a Military Family
The Situation
A military officer preparing for civilian life wanted to coordinate military retirement benefits, the Thrift Savings Plan (TSP), VA benefits, and new employer retirement opportunities while creating a long-term plan for his family’s financial future.
Our Approach
Working with the client’s CPA and legal professionals, we developed an integrated financial plan that coordinated military retirement income, TSP assets, insurance needs, tax planning, and college savings goals. We also established an investment strategy designed to support both short-term cash flow and long-term retirement objectives.
Outcome
The family transitioned into civilian life with a coordinated financial plan that aligned military benefits with their long-term goals, providing greater clarity, flexibility, and confidence for the future.