TIAA Simplified

In this episode, Greg brings up a topic discussed in an older podcast episode - BrokerageLink.

Maybe the "stay at home" phase of the pandemic was the catalyst to more interest in the stock market? Maybe there's just more education around the BrokerageLink feature?

Whatever the case, there's been a lot more interest in this awesome feature in higher ed retirement plans across the country.

Listen as I share with you my top 3 favorite reasons to be in BrokerageLink. In this episode, you'll learn if you can access ETF's in your BrokerageLink - a little known secret to many employees.

Learn how to possibly lower your costs and get access to just about any sector you can think of. On top of that, open the window to THOUSANDS of investment options.

Interested? Listen to this short podcast to help become an expert in your retirement plan.

Other informative podcasts found HERE.

Want to find out if / how you can take advantage of BrokerageLink? Click on my calendar below for a short phone converstion.

CALENDAR LINK

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.

*This episode stems from an article in Investment News (August 2021) and written by Bruce Kelly. As I explain in the episode, I read the article verbatim, interjecting my thoughts around the subject.

SEC recently penalized TIAA $97 MILLION! Listen to this episode to find out why. This podcast episode should be a wake up call to all those in higher ed that run their retirement plan on "auto pilot."

Listen as Greg shares with you as to why YOU need to act as your own fiduciary and not rely on your retirement plan vendors to always act in your best interest.

Pay close attention to a quick story that Greg shares about an employee that saved hundreds of thousands of dollars in her TIAA account only to find out most of her money was tied up in an illiquid annuity - not what she intended to do.

other informative higher ed retirement plan PODCASTS HERE.

TIAA Traditional - Watch Out!

Fiduciary - TIAA / ING / Fidelity Reps NOT the Answer

Fiduciary Part 2 - Look Out for Yourself, Because Nobody Else Will

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 today’s episode, I talk about a little known strategy I’ve used for clients accounts over the last number of years. This strategy, if done correctly, could save you investment related expenses and expand the number of investment choices. Actually, It’s a strategy I’ve never seen a university employee implement on their own. Not because they couldn’t do it alone, it’s the fact that they aren’t aware the strategy exists. Have you ever heard the old adage “you don’t know what you don’t know?” Well, that fits perfectly for this retirement plan strategy. Fact is, most employees have never been told that they could do this.

In this episode, you’ll learn:

• How to find out if your university allows this strategy
• Why this strategy may be in your best interest
• More about expenses….!
• What if you have a Roth 403(b)?
• What to do if your University doesn’t allow this strategy

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

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.

This episode is from a Zoom webinar I did, just repurposed as a podcast. There are a couple times where I refer to the screen....

In this special episode, I'll dive into what I think 2022 will bring....

2021 was the year of overshooting expectations in the stock market.  Going into 2022, regarding the stock market, where’s the catalyst to drive this market higher? 

I discuss the future prospects of the bond / stock market, as well as getting into some fun economic "stuff."

I'll share with you what the "experts" think 2022 will bring in the stock market and some ideas they have to combat some of the headwinds we may be facing soon.

One of the main headwinds is the Fed Funds rate - listen as I discuss how certain sectors of the stock / bond market have reacted during rising rate environments.

Lastly, I discuss more of the macro-economic picture and how we're in this for the long run - remember, it's a marathon and not a sprint.

Other informative podcast 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)

Back by popular demand - Roth 403b topic!

In this episode, Greg continues the conversation started in the last episode titled "Roth 403b" where he deconstructed what a Roth 403b is and gave 2 client scenarios that were advantageous when using the Roth feature in their higher ed retirement plan.

The Roth 403b topic spurred a lot of questions not answered in the first episode. Therefore, Greg put together a list of 4 questions that you can ask yourself to find out if you're a fit for a Roth 403b. Also, Greg will shed some light as to who might be a good candidate for a Roth 403b.

Informative podcasts on higher ed retirement plans found HERE.

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

Roth 403b (1st episode regarding Roth 403b)

Podcast regarding BrokerageLink

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, you're going to learn how to gain access to socially responsible / green energy investments inside your university retirement plan.

Your host, Greg Shepard, will share with you how your colleagues are accessing these investments and how one of Greg's clients now has her portfolio in 100% in socially responsible / green energy investments.

This is information you won't attain by attending your HR Benefits seminar. Greg has 20 years experience in dealing with higher ed retirement plans and this podcast focuses on all the "ins-and-outs" of higher ed retirement plans that's not known by many university employees.

other informative podcasts can be 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.

In this episode you'll learn how to use the best of TIAA AND Fidelity in the same retirement plan. Most higher ed employees have the choice of using TIAA or Fidelity. For those employees, did you realize you can use BOTH TIAA and Fidelity. Why you ask? I'll answer that very question in this episode. Some things TIAA does better and some things Fidelity does better, why not combine the 2 to get the most out of your retirement plan? Makes sense, right?

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

More episodes available at 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.

(Formally HigherEd Retire Podcast)

In this episode, Greg Shepard will unpack the Roth 403b for you to decide if it's a good option for you. Most likely, your plan now gives you the option of contributing to a Roth 403b through your employer retirement plan.

In this episode, Greg will go over....

• What is a Roth 403b?
• How the Roth 403b compares to a traditional 403b
• Who might benefit from a Roth 403b
• How to begin a Roth 403b

You don't want to miss this episode! Next to the BrokerageLink feature, this is the most underutilized feature of MOST university retirement plans (not all plans allow for Roth feature). Invest the time to listen to this short podcast. Your future self will thank you....!

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

Other informative podcasts on Univ retirement plans can be found HERE.

Not sure what BrokerageLink is? Check out this podcast....

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.

This podcast, hosted by Greg Shepard, piggybacks on a previous episode regarding the word "fiduciary" and the role it plays in your higher ed retirement plans. Specifically, Greg dives into 2 real-life stories from clients of his. You'll learn how to recognize a true fiduciary that acts in your best interest and why the reps from TIAA and Fidelity (other vendors as well) aren't your best answer. Listen to a situation one of Greg's clients found herself in that could have been 100% avoided if her reps from TIAA truly were to act in her best interest. Don't find yourself in this situation....

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

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 podcast, Greg Shepard, speaks about 2 real-life situations regarding clients of his that had unfortunate experiences with their TIAA Traditional account. You'll learn why you NEED to know the restrictions and parameters around your TIAA Traditional account before it's too late. Greg shares a story about a lady in higher ed that did a fantastic job saving for her retirement. Her only downfall - 100% of it was TIAA Traditional. Listen to why she cried in his office once he told her something that TIAA failed to tell her over the course of about 25 years - DON'T LET THIS BE YOU!!!

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

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.