Fee Only Financial Planning for Educators 

Stop being a target of bagel toting investment salespeople and let us create a lesson plan designed specifically for you that will work from now until you ring that final bell for retirement. 

You’ve spent your whole career putting others first: helping, guiding, instructing and serving others
at a crucial stage of development in life.  

Question: Who is looking out for you? 


The Answer: We are.

As fiduciaries and family members of current teachers, we always put your needs first. Seems simple, but schools are often targets for financial salespeople masquerading as advisors.

You know these people. They stop by the teacher’s lounge for an hour with donuts claiming to have the ‘best’ 403(b) in your district with applications ready to fill out on the spot. Then, you never hear from them again.  

We don’t believe annuities and 403(b)’s belong in the same sentence and we have no proprietary products to push. Rather, we believe in putting together a plan tailored to maximize your benefits.  

Our experienced team is fully equipped to help you navigate the tricky world of 403(b)/457 plans, Roth IRA’s, state pensions and a supplemental diversified portfolio.

Surrender charges are one of the many terrible aspects of a 403(b) annuity

About 76% of assets in 403(b) plans are in annuity-based products. Almost all of those annuities contain surrender charges. So, before investing in one of these annuities it pays to understand how these charges work and what it means for you.

Lots of choices are a good thing, right? In the 403(b) realm, not so much.

Do you ever feel overwhelmed by too many choices? The other day I walked into a specialty deli shop that had been highly recommended. A good friend – a self-proclaimed ‘foodie’ – gave the place high marks and said I should try it, however he failed to mention what...

Annuities: The Silent Killer (of Teacher’s Retirements)

So why are there some many annuities in 403(b) plans in the first place? As advisors that specialize in helping teachers making smart financial decisions on saving, investing and retirement, we are constantly amazed at why so many teachers own high-cost annuities...
Securities offered through Securities America, Inc. Member FINRA / SIPC. Check the background of your financial professional at FINRA's BrokerCheck. Advisory services offered through Securities America Advisors, Inc. Mission Point Planning and Retirement, and the Securities America Companies are unaffiliated.
Securities America and its representatives, Mission Point Planning and Retirement do not provide tax or estate planning advice. These services are provided in conjunction with a qualified tax and/or estate planning professional.
This site is published for residents of the United States, is for informational purposes only and does not constitute an offer to sell, or a solicitation of an offer to buy, any security or product that may be referenced herein. Persons mentioned on this website may only offer services and transact business and/or respond to inquiries in states or jurisdictions in which they have been properly registered or are exempt from registration. Not all products and services referenced on this site are available in every state, jurisdiction or from every person listed."

* Source: Pew Research Center
† Source: “Quantitative Analysis of Investor Behavior, 2014” Dalbar Inc. Most recent data available. An index is un-managed and one cannot invest directly into an index.

Subscribe To Our Newsletter

Join our mailing list to receive the latest news and updates from our team. *We promise to keep your email address safe.

You have Successfully Subscribed!

Pin It on Pinterest

Share This