Education Professionals

Your career runs on a different calendar - and a different retirement system.

A career in K-12 or higher education comes with its own financial rhythm - state pension systems, layered 403(b) and 457(b) plans, uneven pay schedules, and, for many, little or no Social Security coverage from teaching itself. Whether you are trying to make sense of a crowded 403(b) vendor list, deciding whether to purchase service credit, or planning around a sabbatical or a move between states, we can partner with you to build a plan around how your career actually works. We help K-12 and higher education clients do this through:

403(b) and 457(b) Optimization Planning

Social Security Fairness Act Planning

Pension Maximization and Survivor Benefit Planning

Financial Planning

Retirement Income Planning

Portfolio Optimization

Multi-State Pension and Service Credit Planning

Long-Term Care Planning

Risk Planning and Mitigation

Public Service Loan Forgiveness Planning

Roth Conversion Analysis and Planning

Tax Planning

Intentional planning for those who teach

You have spent your career educating others - but is your own financial picture as clear as a well-planned lesson? Do you know how your pension, 403(b), and 457(b) fit together, or whether Social Security applies to your teaching years? Are you prepared for the cash flow gaps between school years, or the tradeoffs of purchasing service credit or changing states mid-career?

Our wealth advisors understand the pension systems, 403(b) vendor landscape, and Social Security rules unique to K-12 and higher education careers, and can help create and implement a plan you're confident in. Strategizing and planning in partnership with you is the essence of The Mile Marker FORMula™. We focus on what matters most to you and help guide your financial future through adaptable financial planning and a long-term relationship.

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Frequently Asked Questions

For K-12 and higher education clients, SRG Financial Advisors offers 403(b) and 457(b) optimization planning, financial planning, multi-state pension and service credit planning, Public Service Loan Forgiveness planning, Social Security Fairness Act planning, retirement income planning, long-term care planning, Roth conversion analysis and planning, pension maximization and survivor benefit planning, portfolio optimization, risk planning and mitigation, and tax-efficient planning.
Yes. Public Service Loan Forgiveness analysis and planning is one of the services SRG Financial Advisors offers to education professional clients.
Yes. Multi-state pension and service credit planning is one of the services SRG Financial Advisors offers to education professionals.
Yes. Pension maximization and survivor benefit planning is one of the services SRG Financial Advisors offers to K-12 and higher education clients.
Yes. Roth conversion analysis and planning is one of the services SRG Financial Advisors offers to education professional clients.
Yes. SRG Financial Advisors' wealth advisors say they understand the pension systems, 403(b) vendor landscape, and Social Security rules unique to K-12 and higher education careers and use that knowledge to build a confident plan through The Mile Marker FORMula™.
Yes. SRG Financial Advisors partners with education professionals to plan for the cash flow gaps between school years, alongside broader financial planning and risk mitigation.
Yes. Tax-efficient planning is one of the core services SRG Financial Advisors offers to education professionals, alongside Roth conversion analysis and retirement income planning.
Yes. Long-term care planning is one of the services SRG Financial Advisors offers to K-12 and higher education clients.
SRG Financial Advisors notes that a career in K-12 or higher education comes with its own financial rhythm — state pension systems, layered 403(b) and 457(b) plans, uneven pay schedules, and often little or no Social Security coverage from teaching itself.