Teachers and Educators 

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

by | September 21, 2020 | Annuities, Behavioral Finance, Educators and 403(b) | 0 Comments

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.

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

by | November 13, 2019 | Educators and 403(b), Teachers | 0 Comments

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

by | May 6, 2019 | Annuities, Educators and 403(b), Teachers | 0 Comments

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...
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Stop being a target of pizza-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. 

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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."


The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on the following objective criteria: Credentialed as an investment advisory representative (IAR) or a registered investment adviser; Actively employed as a credentialed professional in the financial services industry for a minimum of five years; Favorable regulatory and complain history review; Fulfilled their firm review based on internal firm standards; Accepting new clients; One-year client retention rate; Five-year client retention rate; Non-institutionalized discretionary and/or non-discretionary client assets administered; Number of client households served; Educational and professional designations. Wealth managers do not pay a fee to be considered of awarded.


* 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.

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