TIAA Simplified

This particular question comes up now-and-again, "should I hire a financial advisor to help me out with my university retirement plan(s)?"

This question gets more complicated when those in higher education state that the reps at TIAA and Fidelity serve as their "advisor."

Listen as Greg gives you an idea as to when a financial advisor would be advantageous and also shares with you when a financial advisor wouldn't be beneficial to your situation.

Greg also dives into the reason as to why reps at TIAA and Fidelity, although great folks, shouldn't be considered your financial advisor.

Lastly, learn what type of financial advisor you should be on the lookout for and what type / how much compensation both parties should expect.

Podcast Episode - Why I'm a Hypocrite on TIAA Traditional

Podcast Episode - TIAA Traditional - Watch Out!

📆 Jump on my calendar to see how we can improve your higher ed retirement plan

Greg's Calendar

**Disclosure**

S&A Financial Services, Inc. is a Registered Investment Advisor. Content submitted is for informational purposes only and should not be considered as investment advice or as an offer of solicitation for the sale or purchase for any specific securities, investments, or investment strategies. Always consult with your tax advisor or attorney regarding your specific situation.

In this episode of HigherEd Retire, Greg will take time to answer your questions. Thanks to you, HigherEd Retire podcast has reached new heights of popularity. With the newfound attention, comes quite a few questions, which is GREAT!

Remember, this podcast is to help those in higher education get the most out of your retirement plan - So keep those questions coming!

Greg will take a few questions that pertain to the general public and answer them via podcast episode once per month. This is the first "Office Hours" episode and Greg will continue to answer your questions to the best of his ability as long as you're willing to ask.

Jump on Greg's calendar to see about improving your TIAA situation

🎤 HigherEd Retire Podcast

**Disclosure**

S&A Financial Services, Inc. is a Registered Investment Advisor. Content submitted is for informational purposes only and should not be considered as investment advice or as an offer of solicitation for the sale or purchase for any specific securities, investments, or investment strategies. Always consult with your tax advisor or attorney regarding your specific situation.

(Formally HigherEd Retire Podcast)

TIAA Traditional rates have climbed to a level that's hard to ignore. With these high rates, comes a lot of attention and questions surrounding said investment.

Do note, there are A LOT of nuances around TIAA that can make this investment more complex than you think.

In this episode, Greg shares with you his views of TIAA Traditional from a financial advisor's perspective. Greg's been working with higher ed retirement plans for over 20+ years so he's been around TIAA Traditional for quite some time.

You'll also hear in this episode that there's just too much to get into with TIAA Traditional so Greg will be dividing some of the more important topics related to TIAA Traditional in future episodes. So make sure to subscribe to get those important episodes directly downloaded to you.

Podcast Episode - Why I'm a Hypocrite on TIAA Traditional

Podcast Episode - TIAA Traditional - Watch Out!

📆 Jump on my calendar to see how we can improve your higher ed retirement plan

Greg's Calendar

**Disclosure**

S&A Financial Services, Inc. is a Registered Investment Advisor. Content submitted is for informational purposes only and should not be considered as investment advice or as an offer of solicitation for the sale or purchase for any specific securities, investments, or investment strategies. Always consult with your tax advisor or attorney regarding your specific situation.

(Formally HigherEd Retire Podcast)

Catchy title, right? Let's be honest, nothing exciting about the Lifetime Income Annuity option presented to you from TIAA Traditional inside the RC contract. I get bored even typing it!

However, this could be one of the most important decisions you make when it comes to your retired financial life - AND IT'S IRREVOCABLE!!!

Make note that this episode is strictly for the RC contract on the TIAA platform. There's been many higher ed institutions that have mapped over the RA contract to the RC contract. This episode pertains to those TIAA platform plans.

Listen as Greg shares with you 3 different options you'll face on how to liquidate that TIAA Traditional account. Greg talks about one particular client faced with this decision and leaves it to you, the listener, as to what you think the best option is.

As stated in the episode, make sure you know ALL the fact surrounding the liquidation options prior to making any irrevocable decisions. Also, none of the strategies discussed in this episode should be construed as investment advice. There is no "one-size-fits-all" strategy when it comes to liquidating the TIAA Traditional account.

Other Resources:

Podcast Episode - Why I'm a Hypocrite on TIAA Traditional

Podcast Episode - TIAA Traditional - Watch Out!

📆 Jump on my calendar to see how we can improve your higher ed retirement plan

Greg's Calendar

**Disclosure** S&A Financial Services, Inc. is a registered investment

advisor. Content presented is for informational purposes only and should not be

considered as investment advice or as an offer or solicitation for the sale or

purchase of any specific securities, investments, or investment strategies.

Always consult with your tax advisor or attorney regarding your specific

situation.

It's that time of year again! All the "experts" and market analysts shower you with their take on what the new year will bring and try to convince you how their take on things is so much better than the one you heard 10min ago on a different channel / article.

In this episode, take the time to listen to what Greg thinks 2023 will bring, with a caveat. Greg openly tells you that it doesn't matter what he thinks or anyone else for that matter. He'll share with you the "experts" take on 2022 and how that worked out for them. Hint....not very well.

In this episode, Greg reminds everyone to be humble and realize that you're not smarter than the stock market - nobody is. He'll share with you actionable tips to take into the new year to help improve your higher ed retirement plan.

Other Resources:

HigherEd Retire Podcast Episodes

https://safinancialservices.com/higered-retire-podcast

Jump on Greg's calendar to see about improving your TIAA situation. https://calendly.com/greg-safinancialservices/30min

HigherEd Retire YouTube Channel

https://www.youtube.com/channel/UCEEvSjdlIkiPR2GDyWFu88w

S&A Financial Services, Inc. is a registered investment

advisor. Content presented is for informational purposes only and should not be

considered as investment advice or as an offer or solicitation for the sale or

purchase of any specific securities, investments, or investment strategies.

Always consult with your tax advisor or attorney regarding your specific

situation.

In this episode, Greg talks about one of his most successful (financially) clients and how he achieved the status of multimillionaire without a huge salary.

Since this clients passing, Greg shares with you his successes and missteps for you to avoid.

Listen as you'll hear that his client remained humble in the sense that he understood he wasn't smarter than the stock / bond market and that it paid to actually pay a financial advisor in order to brainstorm ideas and help implement them.

Lastly, learn what mistakes he made that wasn't apparent until his health deteriorated and realized by myself and his siblings after his death.

There's a lot you can learn from this client. As he was a professor for most of his life, he'd be thrilled to know that he's helped some of you out there with just one or two actionable items.

Jump on Greg's calendar to see about improving your TIAA situation.

Other Resources:

Podcast - BrokerageLink

Podcast - Roth 403b

Podcast - Rollover 403b to IRA

In this episode, Greg shares his thoughts around a popular LinkedIn post he made. Apparently, there's a lot of interest in how your university pension is invested.

Listen as Greg talks you through some nefarious investment decisions made by 3 of Canada's largest pension funds and how that relates to your US university pension.

Did you know that it's public information as to how your university pension is invested? You also have access to pension performance numbers as well.

Lastly, listen as Greg advocates that you, the employee, ask questions about how your pension is invested and above all - ask about investment costs in your pension.

In this episode, Greg mentions joining his private LinkedIn Group. Click link below to request to join.

HigherEd Retire LinkedIn Group

S&A Financial Services, Inc. is a registered investment advisor. Content presented is for informational purposes only and should not be considered investment advice or as an offer of solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Always consult with your tax advisor, competent financial advisor, or attorney regarding your specific situation.

(Formally HigherEd Retire Podcast)

Lucky episode for you - 2 in one. Not sure why I did 2 short episodes, but figured each were too short to stand alone.

First part, listen as I share with you why I'm a self-proclaimed hypocrite when it comes to TIAA Traditional fixed account. I'll share with you why I've change my mind for now, but also why you need to be very careful if deciding to proceed with this fixed investment.

Second part of episode really lends itself to the employees in the Nebraska University system. Your retirement plan has enhanced in a way that you now have access to an AWESOME feature called BrokerageLink.

Listen as I share with you why I think it's a great idea that you educate yourself on this feature and the top 2 benefits you can take away from BrokerageLink.

Lastly, I'll share with you via link below access to my new private LinkedIn Group, HigherEd Retire, where I'll share with you all kinds of great nuggets of wisdom when it comes to higher ed retirement plans.

📆 Jump on my calendar to see how we can improve your higher ed retirement plan

Other Podcast Episodes

BrokerageLink - Why are you NOT doing this?

TIAA Traditional - WATCH OUT!

S&A Financial Services, Inc. is a registered investment

advisor. Content presented is for informational purposes only and should not be

considered as investment advice or as an offer or solicitation for the sale or

purchase of any specific securities, investments, or investment strategies.

Always consult with your tax advisor or attorney regarding your specific

situation.

You don't have to be an employee of the Univ of Missouri System

to appreciate this episode. This story of pension shortfall has been rewritten

all over the country at various public higher ed institutions.

If you are in the UM System, listen as

Greg walks you through the epic fail of your pension. Learn how the Board of

Curators are proposing ways to break your original employment contract

regarding the pension (albeit, mistakes made dating decades ago).

Listen as you'll learn of ways the CIO is trying to make up for

Curators desire to "increase investment returns to pay for employee

pensions."

This episode is important for ALL higher ed employees dependent

upon pensions upon retirement. There's a reason pensions are becoming a

dinosaur.

Question is, how do these institutions fix this epic fail...?

Informative higher ed podcasts found HERE.

S&A Financial Services, Inc. is a registered investment

advisor. Content presented is for informational purposes only and should not be

considered as investment advice or as an offer or solicitation for the sale or

purchase of any specific securities, investments, or investment strategies.

Always consult with your tax advisor or attorney regarding your specific

situation.

(Formally HigherEd Retire Podcast)

In this episode, you'll learn the differences between the 403b and the 457b. Listen as Greg shares with you a couple features of the 457b account that has become more attractive since the rule changes a couple years ago.

Most higher ed employees aren't even aware of this account in their retirement plan.

Jump on Greg's calendar to see about improving your TIAA situation.

Other Resources:

BrokerageLink Podcast

Roth 403b Podcast

www.safinancialservices.com

S&A Financial Services, Inc. is a registered investment

advisor. Content presented is for informational purposes only and should not be

considered as investment advice or as an offer or solicitation for the sale or

purchase of any specific securities, investments, or investment strategies.

Always consult with your tax advisor or attorney regarding your specific

situation.