Educators & Public Employees
(561) 248-0205Your 403(b) and 457 stay exactly where they are. This is an analysis, not a sales call.
What your analysis covers
Your pension, projected.
Estimated monthly benefit at different retirement dates.
Survivor options compared.
What each choice means for you and your spouse, side by side.
Your 403(b)/457 in the picture.
How your plan savings add to your income.
"What if" scenarios.
The difference between projected income and what you'll need, in today's dollars and future dollars.
A second engine for your retirement.
If your analysis shows a gap, the solution often isn't moving your 403(b) or 457. It's adding something alongside it.
For many educators, that's a properly designed cash-value life insurance policy. It can do three jobs at once:
Protect your family with a death benefit while you're working.
Build cash value over time, with growth that is tax-deferred.
Provide supplemental retirement income through policy loans and withdrawals, which may be income-tax-free when the policy is structured and managed correctly.
It can also help with one of the biggest decisions you'll make: your pension survivor option. In some cases, life insurance can protect your spouse so you can consider a higher monthly pension. Whether that makes sense depends entirely on your health, age, and family — which is exactly what the analysis looks at.
Life insurance is not right for everyone. Policy loans and withdrawals reduce the cash value and death benefit, and a policy can lapse if not managed properly. We'll look at the full picture — costs included — before you decide anything.
Why educators work with me
I'm independent and compare options across leading insurance carriers.
I spent 46 years in investment management before focusing on retirement income.
I never ask for a decision on the first call. Every client has at least three meetings first.
I meet by Zoom, on your schedule — evenings and summers included.deserves the same kind of guiding star.