Educator's
The 
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HAVE YOU HEARD THESE BEFORE?

"Sorry, our firm has a minimum of assets that we need to manage in order to work with you."

 

"You should invest in this life insurance in order to maximize your tax benefit."

 

"Do not worry, you do not pay me for this policy the company I work for does."

 

HAVE YOU EVER FELT LIKE THIS?

You can not find anyone that understands the issues you face with your finances.

 

It is hard to piece together all of your benefits, retirement options and pensions together. It is even harder if you are married to someone with a private sector job.

 

You want to work with someone that does not receive commissions or kickbacks for giving you advice.

 

THIS IS EXACTLY WHY WE CREATED A FIRM THAT CAN AND WILL WORK WITH EDUCATORS

 

No commissions, no gimmicks, no kickbacks

Transparent fees

Certified Financial Planner(TM) preparing your plan

 

Why We Work With Educators

How We Help Educators

Everyone we work with receives advice on topics such as cash flow management, debt pay-down, student loan payment strategies, life moments planning, saving strategies, investment allocation suggestions, estate planning, tax strategy and planning, insurance reviews, employee benefit reviews, and more. Below you can find your household structure and then navigate further to your career stage to really see how we specialize in your current planning needs. 

Single Educator

Understand your pension and how it will cover your spending needs in retirement. 
Set up & save in a 403b that has low fees.
Determine whether you will benefit from a Traditional 403b, a Roth 403b, or both. 
Learn how to navigate your employee benefits.

Married Educator

Learn how your pension affects your social security and your survivor benefits.
 
Determine a social security claiming strategy for a social security and pension earning household.
 
Set up & save in a 403b that has low fees. 
 
Determine whether you benefit from making Traditional 403b contributions, Roth 403b contributions, or both.
 
Learn how to coordinate employee benefits from the private and public sector.

Two Educator Household

 Understand each of your pensions and how they will cover spending needs in retirement. 
Set up & save in 403b accounts that have low fees.
 
Determine whether you will benefit from Traditional 403b contributions, Roth 403b contributions, or both.
 
Learn how to navigate your employee benefits.  

Household Status

Entering the Working World

Set up & save in a 403b account that has low fees.
 
Determine whether you will benefit from a Traditional 403b, a Roth 403b, or both. 
Learn how to navigate your employee benefits.
 
Work through student loan debt pay-down strategies specific to educators.
 
Come up with a strategy to save for life events while working through cash flow and debt paydown.
 
 

Leaving the Education Field 

Understand what will happen to your pension and how it will be calculated.
 
Determine the best strategy for your 403b and 457, if you have one.
Understand how reciprocity will affect your retirement if you are moving to a career under a different pension system.
Come up with a strategy for the money put into the pension system if you leave before completing 5 years of service.

Taking a Few Years Off

Learn how taking time off affects your pension.
 
Determine whether you should invest in more credits or not.
 
Discover what happens to your other employer covered benefits during extended periods away from teaching. 

Career Stage

Career-Changer

Understand how reciprocity will affect your retirement if you are coming from a career under a different pension system
 
Determine the best strategy for your prior 401k if you had one.
 
Set up & save in a 403b account that has low fees.
Determine whether you will benefit from a Traditional 403b, a Roth 403b, or both
Learn how to navigate your employee benefits.

Mid-Career

Understand how your pension will be calculated and if it will cover your spending needs in retirement.
 
Make sure you are saving enough in your 403b and 457, if applicable. 
 
Determine whether the investments held within your retirement account/s still meet your risk tolerance and objectives.
 
Re-evaluate employee benefits and make sure you are taking advantage of suitable options.

Retiring

Understand your pension and how it will cover your spending needs in retirement. 
 
Navigate retirement paperwork and meetings with your pension system.
 
Correctly apply reciprocity if retiring from two separate pensions systems.
 
Determine the best strategy for your 403b and 457.
 
Strategize paying for health care during the gap between retirement and Medicare.
 
Understand social security and your pension if you ever worked in a career that paid into social security.
 

Ready to Get Started?

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Wealth of Confidence, LLC (“WOC”) is a registered investment adviser offering advisory services in the State of California and in other jurisdictions where exempted. Registration does not imply a certain level of skill or training. The presence of this website on the Internet shall not be directly or indirectly interpreted as a solicitation of investment advisory services to persons of another jurisdiction unless otherwise permitted by statute. Follow-up or individualized responses to consumers in a particular state by WOC in the rendering of personalized investment advice for compensation shall not be made without our first complying with jurisdiction requirements or pursuant an applicable state exemption. 

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