Your Financial Life is Complicated. Your Retirement Plan Doesn’t Have to Be.
Specialized financial planning for Michigan State University employees, State of Michigan workers, and families moving to and through retirement.
You're Approaching Retirement With A List of Unanswered Questions
Your colleagues can't help because everyone's situation is different. Generic financial advisors don't understand the nuances of university and state benefits. HR can explain your options, but they can't tell you what's right for YOUR situation.
We Bridge That Gap
For over 25 years, we've specialized exclusively in retirement planning for Michigan's university and state employees. We understand the intricacies of 401(k) 403(b) and 457 plans through VOYA (and beyond), TIAA contracts, and state healthcare transitions. We've guided hundreds of MSU faculty, state workers, and university employees through the exact decisions you're facing right now.
Questions We Help You Answer:
Can I afford to retire and maintain my lifestyle?
How should I coordinate my 403(b), 457, and pension to minimize taxes in retirement?
What happens to my healthcare benefits when I retire, and how do I bridge to Medicare?
How does investing change when I enter retirement?
Should I take the lump sum or annuity option from TIAA?
How do I boost health-specific savings through insurance benefits and my supplemental 401(k) contributions?
How do required minimum distributions (RMDs) affect my retirement income strategy?
When should I claim Social Security?
Do I need long term care insurance?
What We Do
Most Financial Advisors Don't Understand University and State Employee Benefits. We Do.
We help you navigate pension decisions, coordinate multiple retirement accounts, and create tax-smart strategies designed specifically for your situation. We specialize in:
Retirement Planning
University Benefits Navigation
Tax Strategy
Investment Management
Healthcare Planning
Social Security Optimization
Estate & Legacy Planning
Education Funding
Prioritize your goals and values
Our Process
Unlike TIAA, Fidelity, or Voya, we don't push proprietary products or start with investment recommendations. We start with you.
Strategic Reliable Blueprint
We take time to understand your goals, values, and vision for retirement before discussing any financial products.
Organize and Implement the Plan
We coordinate your pension, retirement accounts, tax strategies, and healthcare coverage into one cohesive plan.
Regularly Review and Update the Plan
Life changes, and your plan should too. We meet with you regularly to adjust your strategy as your needs evolve.
Stay Connected
We help people just like you with financial planning and retirement planning. We also specilize in MSU employee retirement plans.
Latest Posts
We embrace holistic development and support for the aim of being a first-choice employer within our sectors.
Ready to Turn Your Retirement Questions Into a Clear Action Plan?
Whether you're five years from retirement or already transitioning, we help you understand your options, optimize your timing, and create strategies that make the most of your pension, retirement accounts, and healthcare benefits.
