Financial Guidance for Educators

Education professionals and teachers have unique financial needs. As educators, they often seek an advisor who can share insight into the unique opportunities available to their profession rather than simply implement a generic financial plan or merely help them make decisions about their 403(b). Primarily working with this demographic, I understand these unique needs and have shaped my practice to address their concerns. I strive to provide ongoing education and can explain complicated concepts in a more simplified manner. Through this, my goal is to help clients not only understand the financial strategies I create but to also empower them to make decisions and feel confident in their future retirement.

Whether an education professional is at the beginning of his or her career or preparing for retirement, I can help and answer questions they may have, such as:

• When can I retire?
• How can I use my Partial Lump-Sum Option Plan (PLOP) to my advantage?
• Can I afford to send my child to college?
• What’s the risk in my investment portfolio?
• Should I consider life insurance for my family?
• How can I create a steady stream of income that lasts through retirement?
• Should I roll over my 403(b), 401(k), or other retirement account?
• How can I maximize my pension benefits?
• Is pension diversification a strategy I should pursue?
• How do my spouse and I coordinate our plans for maximum efficiency?

My goal is to help clients develop a “financial lesson plan” and feel confident with their strategy. Based in Xenia, Ohio, I work with education professionals in a number of school districts in the greater Dayton and Cincinnati areas and beyond.