• How do you go about deciding what PSERS retirement option to choose?
  • How do you determine when to file for social security benefits?
  • How should you allocate your rollover and other investments?
  • What will your spendable income be AFTER you retire?
These are just a few of the questions that teachers ask us all the time.  Each question is vitally important and the answers we provide are ALWAYS different for everyone depending of the unique characteristics of their lives.  It’s usually never as easy as you think it’s going to be.  But, we see teachers trying to make these decisions haphazardly rather than in an integrated fashion.  That’s dangerous because it’s how all the pieces of your plan work together based on a variety of assumptions that matters.  Exploring scenario’s and stress testing those assumptions are where you find the answers to your questions and the true value of the retirement planning process.  That’s what good planning is all about but so few in public education actually receive.  
It’s time that teachers start consulting with financial advisors who don’t have a product (annuity/life insurance) to sell.  Remember, those “endorsed” 403(b) salesmen have a menu of products they would love to offer you to make a commission.  Instead, work with fee-only experts who understand the nuances of PSERS and teachers and who can help you make smart decisions.  Remember, you can’t go back and change your mind.  Have an advisor with state-of-the-art tools and old fashioned sensibility help you every step of the way.



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