Public Employee Retirement Advisors
What We Can Do For You
We Know How to Navigate Public Pension Systems
We understand that post-retirement can be a scary time when it seems like more money is going out than is coming in. Without a plan, you are at risk of spending all you have accumulated over your lifetime. We are experienced at preserving your assets for you, your spouse, family, and future generations.
Are you prepared or scared?
Nobody wants to be scared of their future and that is why we are here to help you. Because we are a part of a team of professionals, we have the knowledge and power to make sure that you are choosing the right strategy. We will be advised by tax attorneys, data analysis experts, accountants, insurance experts, and more just to make sure that we provide you with a specific plan/strategy that is right for your future.
Gap Analysis
Retirement Investment
Your retirement account should never be subject to down falls in the market, economic failures, and uncertainties in the world. It should gain interest annually, and that should be locked into our account. We will help you understand investing. Protect your Retirement. And Grow your Money.
Pension Strategies
How Your Pension Works
First of all, a pension plan is a type of retirement plan that provides monthly income during your retirement. A pension plan requires your employer to contribute money as you work. Not every business offers this plan. Understanding how your pension works can help you to make better choices in your retirement.
Your pension should be one of many tools in your retirement toolbox.
Unfortunately, most pensions do not provide enough money for you to live on during your retirement so there needs to be other avenues for money. Many people supplement their pensions with an IRA, or a company matched 401K. Of course, you will also receive social security. Knowing tax laws and financial strategies can save you money and time when it comes to your retirement.
Long Term Expenses
Living Well
We understand the specific type of planning that you need to do. When you work with us, you will be guided through our process so you will be in total control when it comes to how every penny of your Estate is distributed. We help you thru the process of protecting yourself from long term expenses.
Maximum Income
Strategies to Maximize Income in Retirement
- Bucket strategy – Divided into 3 buckets based on when you will need access to your funds.
- The first bucket is for your emergency fund and money you plan to spend within the next couple of years.
- The second bucket is for the money you will use in the next 3 to 10 years. Usually, this money should be put in safer investments.
- The third bucket is for the money that you don’t plan on using for a decade or more.
- Annuities – This is a contract that you make with an insurance company whereby you pay a certain amount of money and the insurance company sends you guaranteed monthly checks for the rest of your life.
- Maximizing social security – This is a guaranteed source of retirement income, but it is based on many factors, such as, how long you worked and at what age did you take retirement.
- Earning money while you are retired – You can always work part time while you are retired for extra money and to help with boredom.
- Tax knowledge – Different investments create different tax laws, so knowing how to handle taxes can be a plus.
- Health savings accounts – These may be used for other things besides medical expenses.
- Downsizing – You can always make changes to your daily life in order to save money
Testimonial
Secure Future
"Working with Anna was helpful in determining my retirement needs and developing a plan to meet those needs. As someone who has only sporadically paid attention to and planned for retirement, I was very nervous about taking a solid, honest look at my financial situation in this area. I thought it was a real possibility that I would have to work many years past retirement age in order to have basic living expenses. Anna was kind, knowledgeable, and thorough. She explained concepts and options to us until we understood and could make informed decisions. She explained the PERS system and what to expect and presented a plan to us that will allow us to live comfortably and travel upon retirement. Thank you so much!" - Margaret M.