Podcasts about 403b

This episode focuses on a question that follows many professionals in academic medicine, healthcare, and research: “Can I actually retire?” Jon Gay and Amy Walls explain that the stress behind this question often does not come from a lack of money. It comes from a lack of visibility. Retirement accounts, pensions, 403(b)s, 457 plans, IRAs, and Social Security all produce separate statements. But none of those statements show how everything works together. That leaves people with pieces of information, but not a complete picture. Amy explains that the common instinct is to start with a number. People want to know how many millions they need before they can retire. But a number by itself does not answer the real question. Retirement planning has to start with life. What does life cost right now? What expenses will go away after retirement? What expenses have been postponed for years and will finally appear? For people whose identity is closely tied to their work, retirement can also feel like a loss before it feels like freedom. That makes it important to define the next chapter before deciding what financial number is enough. Retirement planning is more complicated for people in healthcare academia. A pension can be the centerpiece, but it often requires an irreversible decision between lifetime monthly income and a lump sum. That decision depends on health, a spouse, other income, investment accounts, and taxes. Amy also explains that 457 plans are often misunderstood. Governmental 457 plans can usually be accessed after separation from service without an early withdrawal penalty, while non-governmental plans work differently. That difference can change the order in which accounts should be used. Real confidence comes from testing the plan. Retirement readiness should not stay a feeling or a hypothesis. The plan needs to be stressed against hard questions. What happens if the market drops 30 percent in year two? What if someone lives to 97? What if long-term care is needed? When the plan still works under pressure, the question shifts from “Am I ready?” to “I am ready.” We share the example of a physician researcher who believed she was behind because her peers in private practice had built business equity. Once her full financial picture was mapped against her actual life and goals, she was comfortably on track. Nothing changed financially in that conversation. What changed was her relationship to the information. A retirement plan is not a one-time snapshot. Life changes, tax laws shift, markets move, and planning needs a rhythm. Annual reviews and updates help keep the plan connected to real life. The relief does not come from hitting a magic number. It comes from finally seeing the whole picture. (00:00) Intro (00:54) Why retirement uncertainty is really about visibility, not just money (02:31) Why starting with a “magic number” is usually the wrong approach (02:50) How to build retirement planning around actual life costs (03:25) Why retirement can feel like a loss before it feels like freedom (04:05) How pensions, 403(b)s, and 457 plans need to be viewed together (07:15) How stress testing turns “Am I ready?” into “I am ready” (10:06) Why retirement planning needs regular review, not a one-time snapshot To get in touch with Amy and her team at Thimbleberry Financial, call 503-610-6510 or visit thimbleberryfinancial.com.The ThimbleberryU Podcast is produced by JAG Podcast Productions - https://jagpodcastproductions.com/

#SafeMoney #JonHeischmanSr #SocialSecurityTimingAndOptimizingIn this week's episode, host Jon Heischman, Senior talks about when to begin taking Social Security benefits with special attention to spousal distributions.Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.

The EU just fined Google €890M for making it hard to steer users to cheaper web stores — another crack in the 30% wall, and genuinely good news for every developer. That's the lead of a quieter, summer-holiday news week, with Felix flying solo while Matej and Jakub are at ChinaJoy.Felix Braberg walks two stories and a charts tour. First, the European Commission fined Google €890M (split €460M + €430M) under the Digital Markets Act for antitrust practices — preventing developers from freely informing users about cheaper offers and steering them to web stores or third-party channels. Google has 60 days to comply or face periodic penalties of up to 5% of worldwide turnover (~$403B), and it's another blow in the slow unwinding of the 30% app-store tax that companies like FastSpring exist to route around. Second, a Seeking Alpha analysis argues the market keeps underestimating AppLovin: the stock came under pressure in 2026 (swept up in the "SaaS apocalypse" sell-off after the CloudX agentic-buying launch), but the fundamentals are strong, the gaming runway is bigger than assumed, and as the dominant mediation player (AppLovin Max), it holds a structural advantage. Then the US charts: Smash Fest (Flow Games, Turkey) is now #1 in free downloads — beating Roblox — followed by Meow Doku and Vita Mahjong (same studio), with the standout story being that a copycat of Smash Fest (Royal Smash by Cypher Games) has itself cracked the top six out of ~70 clones. Plus Level Devil sold and scaling under new ownership, EA Sports FC still strong post-World Cup, and Turkey vs China duking it out for chart dominance.The through-line of a quiet week: the 30% tax keeps cracking, AppLovin keeps winning, and the copycat economy is faster and more brutal than ever.━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━⏱️ TIMESTAMPS00:00 Solo news week — Matej and Jakub at ChinaJoy00:40 Google fined €890M under the Digital Markets Act04:00 Why it's another crack in the 30% wall05:00 AppLovin: why the market keeps underestimating it07:30 US charts — Smash Fest beats Roblox08:30 The copycat that cracked the top six10:00 Level Devil sold, EA Sports FC, and Turkey vs China---------------------------------------This is no BS gaming podcast 2.5 gamers session. Sharing actionable insights, dropping knowledge from our day-to-day User Acquisition, Game Design, and Ad monetization jobs. We are definitely not discussing the latest industry news, but having so much fun! Let's not forget this is a 4 a.m. conference discussion vibe, so let's not take it too seriously.Panelists: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jakub Remia⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠r,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Felix Braberg, Matej Lancaric⁠Join our slack channel here: https://join.slack.com/t/two-and-half-gamers/shared_invite/zt-3bckldvr8-8PXvzciMWdheOzED9hq0SA---------------------------------------Matej LancaricUser Acquisition & Creatives Consultant⁠https://lancaric.meFelix BrabergAd monetization consultant⁠https://www.felixbraberg.comJakub RemiarGame design consultant⁠https://www.linkedin.com/in/jakubremiar---------------------------------------Please share the podcast with your industry friends, dogs & cats. Especially cats! They love it!Hit the Subscribe button on YouTube, Spotify, and Apple!Please share feedback and comments - matej@lancaric.me---------------------------------------If you are interested in getting UA tips every week on Monday, visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠lancaric.substack.com⁠⁠⁠⁠⁠⁠ & sign up for the Brutally Honest newsletter by Matej LancaricDo you have UA questions nobody can answer? Ask ⁠⁠⁠⁠⁠⁠⁠⁠Matej AI⁠⁠⁠⁠⁠⁠ - the First UA AI in the gaming industry! https://lancaric.me/matej-ai

#SafeMoney #JonHeischmanSr #RuleOf100In this week's episode, host Jon Heischman, Senior talks about the "Rule of 100" in terms of planning for your retirement income.Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.

Is Social Security really running out? And if changes are coming, what should you be doing now to prepare for retirement? In this episode of Dollars & Sense, Rob Field and Chet Cowart of Nelson Financial Planning break down the latest Social Security Trustees Report and explain what it may mean for future retirees. They discuss why Social Security is not expected to disappear entirely, what could happen if no changes are made, and why it is more important than ever to build a retirement income plan that goes beyond one source of income. Rob and Chet also cover the importance of employer retirement plans, IRAs, Roth options, systematic investing, diversification, market expectations, AI and technology exposure, and how to answer the big retirement question: “Do I have enough?” Whether you are decades away from retirement or already thinking about turning your savings into income, this episode offers practical insight into how Social Security, investments, budgeting, taxes, risk tolerance, and lifestyle goals all work together in a successful retirement plan. In this episode, you'll learn: What the latest Social Security Trustees Report says about the future of benefits Why Social Security should be one part of a broader retirement income strategy How workplace retirement plans, IRAs, Roth accounts, and brokerage accounts can support your long-term goals Why systematic investing and “paying yourself first” can help build strong financial habits How diversification can help manage risk during changing market conditions Why retirement planning is about more than reaching a single account balance If you have questions about Social Security, retirement income planning, or how your investment strategy fits into your long-term goals, contact Nelson Financial Planning. We're here to help you make sense of life's decisions involving your dollars.

Jim and Chris discuss listener emails on Social Security spousal benefit calculations, variable annuities in a 403(b), converting Inherited IRAs, and the Social Security child-in-care provision’s effect on spousal benefits. (10:00) — A listener asks Chris to explain why his additional high-earning years increased his own benefit so little, due to Social Security’s bend point formula, and how that translated into only a small spousal benefit adjustment for his wife. He also asks whether Social Security stops recalculating a worker’s PIA once they reach age 70. (28:00) — Georgette asks why her 403(b) funds are classified as variable annuities rather than mutual funds, and whether they function like other variable annuities sold on the open market. (54:30) — The guys field a question about a non-spouse inherited IRA, where the account holder wants to know whether the required RMD must be taken before completing a separate Roth conversion. (1:05:15) — Jim and Chris address whether the child-in-care provision removes the early-claiming reduction to a wife’s spousal benefit, in a case where she claims at 62 and her husband, the higher earner, waits until 65. The post Social Security, 403b Variable Annuities, Converting Inherited IRAs: Q&A #2627 appeared first on The Retirement and IRA Show.

Today we're trying something a little different. We're going to walk through a real retirement story in chapters — and as each new detail comes in, we're going to react to it the way a financial advisor would. Fran is 62, she figured a lot of this out on her own, and she's only now sitting down with a professional for the first time. Let's see what we find and what we might do differently from here.   Helpful Information: PFG Website: https://www.pfgprivatewealth.com/ Contact: 813-286-7776 Email: info@pfgprivatewealth.com   Disclaimer: PFG Private Wealth Management, LLC is an SEC Registered Investment Advisor. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. The topics and information discussed during this podcast are not intended to provide tax or legal advice. Investments involve risk, and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial advisor and/or tax professional before implementing any strategy discussed on this podcast. Past performance is not indicative of future performance. Insurance products and services are offered and sold through individually licensed and appointed insurance agents.   Marc: Today we're trying something a little different. We're going to walk through a real retirement story in chapters. As each new detail comes in, we're going to react to the way a financial advisor would for Fran. She didn't plan to retire at 62, and here's what happened. So let's talk about Fran's story.   Hey everybody, welcome into the podcast. This is another edition of Retirement Planning Redefined with John and Nick from PFG Private Wealth. And if you need some help, got some questions, want to reach out to the fellows, give them a jingle, or I guess not a jingle, but find them online at pfgprivatewealth.com. That's pfgprivatewealth.com. Of course, you can call them at 813-286-7776. We'll have details in the show description below if you'd like to get ahold of them. And we're going to talk about this kind of a retirement story here today, guys. Kind of break this down a little bit, so we'll get started in just a second. But Nick, how are you my friend? You doing all right?   Nick: Yeah, doing pretty well. Thanks.   Marc: Good, good. Good to have you here. Good to chat with you as always. And John, how are you, my friend?   John: I'm doing okay. Summertime started for the kiddos, which means I get to sleep in an extra 30 minutes.   Marc: Oh, there you go. Little extra sleep is always good. Exactly.   John: So it's good, yeah.   Marc: Well, let's dive in. Let's start with this chapter breakdown. So guys, we've got this story again, kind of a real case study here. So who is Fran? Whoever wants to do the setup here. Tell us a little bit about the story here.   Nick: Yeah, so I'll go ahead and start. So Fran, 62 and single, spent 30 years teaching in public schools kind of up north and decided wanted a change. So about five years ago, she moved south, rented a home, picked up a full-time admin job at a local office, and kind of did it from the standpoint in the sense of it wasn't something that she loved or had always wanted to do. It was just kind of stabilize, get a job, earn some income, and be able to cover bills and figure out what she wants to do.   Marc: Gotcha. And that's fairly normal, right? A lot of people are going down to Florida, doing this snow bird thing. And so for a first time situation, somebody walking in, like you're reviewing this case for somebody who's coming in saying, "Hey, I'd like to talk to you about getting some help." What's a couple of things from just the story setup that stands out to you?   Nick: Yeah. As somebody who kind of helps people plan for a living, I start to twitch a little bit just from the standpoint of it seems like the decisions being made are a bit on a whim and there's not necessarily kind of a broad based strategy put in place. So for example, seeing somebody that had retired as a public school teacher, most likely there's a pension involved. And we'll learn that she had waited on the pension a little bit, but was there an opportunity to take something sooner or not? Obviously with her being under the age of 65, then there's going to be costs associated and probably substantial costs associated with healthcare. So that's something that would factor into the job opportunity that she was looking for.   In this case, she had rented a home, which in situations like this oftentimes does make sense dependent upon where she's coming from, but we don't know if she had sold a previous house or had rented before and then came down to rent as well. So we've got kind of variability and costs associated with a home. And then just getting a better understanding of what other sort of assets are in play and/or what's the game plan, maybe like post 65 are all things that would help us from a planning perspective.   Marc: All right. So let me jump in and do the next piece for you. Kind of a turning point here in the story. A few months ago, guy's, Fran's office restructured. She was offered a new role, more training, longer hours, not much more pay as a single person whose paycheck covers everything, taking on more of roughly the same didn't make a lot of sense so she walked away and unfortunately she got let go, not exactly by choice but not exactly against her will either. So I guess when somebody lands in Fran's position, retired before they planned as well, Nick, as you mentioned, what's the most important thing to get some clarity on? How do you proceed in a situation like that? Now you find yourself without a job.   Nick: Yeah, this tends to be a tricky one and we've kind of run into this where, and it seems like it's happening more. We've seen this more in the last 12 months where people in their early 60s with the expectation of working a few more years and are sub 65, so have to deal with cost of healthcare and that sort of thing have been downsized, and there's substantial difficulty whether they're like a quote unquote highly trained or more specialized position, or in like France position, somebody that had done that previously and had shifted into a role that was maybe not as dynamic as had been and the other way. And so again, kind of having to adjust to whatever's going on and the situation being dictated to her versus maybe being in the driver's seat and having more options on what to do as she moves forward.   Marc: Yeah, that's the risk I think, to your point about not planning, is you're not in the driver's seat, or the catbird seat, right? You're kind of reacting to things on how they go. To that point, what she did next is started drawing Social Security right away at 62, right? So locked that in that early. So you're taking that what, 30% haircut right off the bat there?   Nick: I believe so.   Marc: Yeah. So she also picked up a part-time job at a gym she goes to. Nothing too demanding, keeps a little extra money coming in. So her monthly picture is now looking like 1,450 in social security, about 800 from the gym job, but 1,600 going out in rent before anything else. So how do you react now?   Nick: Yeah, see that's kind of the tough thing at that point, what do we have? 2,250 in income coming in from the social security and the job and a huge percentage of that is just going out just to cover rent.   Marc: Yeah, not utilities, just rent. Yeah.   Nick: Right. Not utilities, not food, not car insurance, not gas, a lot of different things.   John: No vacations.   Nick: Yeah, no vacations, not doing the things that maybe she wanted to do. And so this makes us rewind a little bit even further back, and in retrospect kind of look at as an example. So a conversation with somebody like Fran that we would have probably had if we had met her early on, knowing how dynamically an extra few years of working at a job that has a pension related to it, like a teacher.   So we might have had discussions and kind of doing some projections on maybe even a couple extra years as a teacher and then spending summers in the south, what that could have done to kind of ease her way into it and maybe break up the monotony of what she had been doing over a period of time, making sure that she really understood the impact of taking Social Security at 62 would have.   It's like in this scenario, she doesn't really have a whole lot of other options unless she would have found another full-time job. And what we start to kind of see is that if at that point in life, if somebody's kind of let go and after a few months they haven't had an opportunity to find another position, the freak-out factor really starts to kick in and they want to have something coming in no matter what and ... Go ahead.   Marc: No, I was going to say to that point, you mentioned the Social Security, right, or excuse me, the pension earlier, she's just basically getting by with what she has. What she hasn't touched, and I guess that's where it gets more interesting and I wanted to kind of tee that up since you mentioned that earlier. She hasn't touched that teacher's pension, which she hasn't started yet. 1,100 a month is going to be available but at 65, so you still got a three-year window there, right? But also the 403B with about 210 grand in it that she hasn't touched. So now you can kind of start to factor some of that stuff in. So I guess right now she's basically living paycheck to paycheck. So now you get a bit more of the fuller picture. How does that start to shift some things?   Nick: Yeah. And one of the things that we will see is that people, their normal reaction will oftentimes be to avoid using any sort of investments just because they like the idea, or there's like a psychological aspect of not touching their money, where taking Social Security at 62 is still touching your money. It's just kind of in a different way. So kind of laddering these things together and knowing that she had some money kind of set aside, we probably would have looked at potentially supplementing the income for a year, maybe two years with the money in the retirement account.   Letting the Social Security grow a little bit more, then kicking that in and then having the pension kick in where then that would give an opportunity to take a little pressure off the retirement funds, and stop withdrawals for a few years and let that grow back. Because not only does somebody lock in a lower amount when they take Social Security early, but now they just have less money for things like the cost of living adjustments to kind of compound on in the future and that sort of thing. The big takeaway of what we see here is the fact that there wasn't necessarily a retirement plan put together from a financial aspect.   Marc: Right. I mean, she's 62. Even a little planning a couple of years ahead of time might have helped a lot, right?   Nick: Yeah. Yeah. There definitely would have been an impact on what could have happened. And the thing that also happens when we have this sort of conversation, anytime anybody's going to make a substantial career change, like somebody like a teacher, for example, they have some of the best job security there is, and kind of being in the private world and shifting from being a teacher to the private world, it can be a little bit of a culture shock.   And just understanding that you can be let go and/or the dynamics in play can be substantially different. And so just that predisposition to what sort of field she was in probably didn't necessarily lock in the risk taking of uprooting, moving, and even how delaying that a couple of years could have had most likely a pretty substantial positive impact on the plan, and maybe freed her up to be able to not have to work part-time for longer or have all these other variables that she's not in control of.   Marc: Yeah. And I think ultimately for me, like what I see on stuff like this is she figured out a lot of parts on her own, and that counts for something sure, but the difference is always like instead of doing it, reacting at that moment is doing a little bit of planning just goes a long way, right? I mean, you could still build one even in this situation, but ideally the sooner you can, the better. We're not talking necessarily 10 years out, although that'd be great too, but don't just wait until the last minute and then just react to stuff.   Nick: Yeah. And the reality too is that in the short term, even though there's a lot of moving parts kind of in that range of losing the job and shifting to part-time and taking the Social Security, really where the pinch will be felt is 10 years down the road when inflation really starts to kick in, things are feeling more expensive.   Marc: That's a good point. It feels that way now, right?   Nick: Yeah. Yeah, for sure. And so it's like that thought process of like, well, hey, the increases I'm getting on my Social Security, and maybe for her a pension, aren't really keeping up with where things are going, maybe she didn't have the opportunity to work for very long at the gym even and can't find any other job and she's just now her lifestyle, her expenses, John mentioned the opportunity to be able to travel, do the things that she wants to do. Some of those things may have been taken away, and some extra more kind of detailed planning to ... Because those are the sorts of things that we would show as situations that could happen for somebody and making sure that there's contingency plans and plan B, plan C if, hey, if these things happen, where can we go? How can we adjust?   Marc: Yeah. I mean, stress testing different scenarios is a huge part of going through the retirement planning process with an advisor so that you can ... I mean, she probably wasn't expecting to lose that administrative job and having to go to the gym job, right? So life always throws things at us, so you want to make sure you got a strategy and a plan in place before you pull the trigger and go moving, or retiring, or whatever the case is, especially if you're getting close to it, especially again, 60, 62, that kind of thing.   So as always, if you got questions, need some help, reach out to the guys. If her story sounds anything like something like you're facing or could be facing, make sure you take the action now and start talking with qualified professionals and see, just sit down, have a conversation. They're complimentary often. Most places do that, just to kind of see if they can help you out and if it's going to be a good fit. So reach out to the guys, have a 15-minute chat, pfgprivatewealth.com. That's pfgprivatewealth.com or call 813-286-7776. And that's going to do it this week for Retirement Planning Redefined for John and Nick. I'm your host, Mark. We'll see you next time here on the podcast. Don't forget to hit that subscribe button. We'll catch you later.

#SafeMoney #JonHeischmanSr #SocialSecurityIncomeIn this week's episode, host Jon Heischman, Senior asks and answers the question, "is Social Security your missing link"; as part of your income retirement plan. Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.

Retirement account balances fell during the first quarter of 2026 as market volatility weighed on investors. Despite the decline, Fidelity reports that savings rates reached record highs and many Americans increased their retirement contributions. Subscribe to our newsletter to stay informed with the latest news from a leading Black-owned & controlled media company: https://aurn.com/newsletter Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

#SafeMoney #JonHeischmanSr #LowTaxIncomeJoin host Jon Heischman, Senior as he discusses how to generate income during your retirement years while keeping your tax burden low.Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information. 

Friend-of-the-pod Tim McGregor stops by to celebrate the re-release of HEARTS STRANGE AND DREADFUL, in which an orphan with unusual abilities in 1821 New England must confront the dark forces which have invaded Wickstead, or all who live there may be lost…their souls included.

Tuesday – We talk Tiger, drugs and his purity personality, a plane lands on water, the country that sleeps better, and an update on Jim's missing nephew. We review Love, the 1985 album from The Cult for WYDTN. It's Only Money with Scott Brown with Edgewater Family Wealth on the SpaceX IPO, 403B, and your 401K. Plus, JCS News, JCS Trivia & You Heard it Here First.

Tuesday – We talk Tiger, drugs and his purity personality, a plane lands on water, the country that sleeps better, and an update on Jim's missing nephew. We review Love, the 1985 album from The Cult for WYDTN. It's Only Money with Scott Brown with Edgewater Family Wealth on the SpaceX IPO, 403B, and your 401K. Plus, JCS News, JCS Trivia & You Heard it Here First. See omnystudio.com/listener for privacy information.

#SafeMoney #JonHeischmanSr #LifeInsuranceJoin host Jon Heischman, Senior as he discusses the life insurance secondary market in this week's episode.Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information..

#SafeMoney #JonHeischmanSr #TheRightAnnuityJoin host Jon Heischman, Senior as he explores how to select the right contract for an annuity investment.Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.

Send us Fan MailNJ high school teacher is married to NJ high school EC teacher. Before having their first child, they caught the FIRE bug in their early to mid twenties. They didn't do it forever, but they lived on a very modest 40k per year in annual spending for a handful of years while investing around 80K each year (combined). This early maximization caused them to become teacher millionaires before the age of 35. After having a daughter and moving from being renters to homeowners, they no longer invest at such a high rate, but they don't have to. They are now COAST FI. Projection LabNectarine 

#ThisMorning | How to #Rollover Your #401k (or #403b or #457b) to an #IRA | Ben Norquist, Convergent Retirement Plan Solutions | #Tunein: broadcastretirementnetwork.com #Aging, #Finance, #Lifestyle, #Privacy, #Retirement, #wellness

In this insightful episode of the Clarity Podcast, host Aaron Santmyire engages in a compelling dialogue with Scott Larson, a renowned tax expert specializing in the financial intricacies faced by pastors and missionaries. The conversation revolves around Larson's pivotal work, 'The Tax Man Cometh', which serves as a comprehensive resource aimed at elucidating the complex tax landscape that ministers must navigate. Larson articulates the critical need for pastors to understand their tax responsibilities, particularly the distinction between their roles as employees and self-employed individuals under the tax code. He sheds light on the prevalent misconceptions that hinder many in ministry from making informed financial decisions. For instance, Larson reveals that many pastors rely on anecdotal advice from peers rather than consulting qualified tax professionals, which can lead to detrimental financial missteps. He emphasizes that this reliance on informal networks often results in confusion and fear, particularly regarding self-employment taxes and the implications of housing allowances. As the discussion progresses, Larson underscores the importance of proactive tax planning and the necessity for pastors to seek out knowledgeable advisors who can help them structure their financial affairs. He advocates for a shift towards greater financial literacy within the ministry, positing that a deeper understanding of tax laws not only aids in compliance but also empowers ministers to optimize their financial health. This episode ultimately serves as an essential guide for those in ministry, equipping them with the knowledge and confidence to navigate their tax obligations effectively.Takeaways: This podcast episode emphasizes the critical importance of understanding financial realities for missionaries and ministers. Scott Larson provides invaluable insights into navigating the complexities of taxation for religious leaders, which is often misunderstood. The discussion highlights the misconceptions that many pastors have regarding their tax liabilities and the importance of proper tax planning. Listeners are encouraged to consider their financial futures by actively engaging in retirement planning through vehicles like 403B accounts. The episode underscores the necessity of professional guidance, as many pastors receive inadequate tax advice from unqualified sources. Emphasizing proactive financial stewardship, Scott Larson stresses the significance of accurately reflecting one's ministry in tax filings.

Jim and Chris discuss listener emails on IRMAA appeals using Form SSA-44, avoiding the 10% early withdrawal penalty, and whether a 403(b) distribution can be rolled into an IRA. Jim also manages to turn a discussion on Superbowl food to a conversation on retirement planning for the Go-Go phase of life (with a few other stops in between). So, if you typically skip the banter you may want to tune in around (10:10) for that discussion. (16:30) George shares his experience repeatedly filing Form SSA-44 to correct IRMAA determinations and explains how Social Security processed and applied his updated income information. (35:00) A listener asks whether a qualified annuity can be used instead of a 72(t) series of substantially equal periodic payments to avoid the 10% early withdrawal penalty. (1:04:45) The guys discuss whether 403(b) distributions can be completed as 60-day rollovers into Traditional and Roth IRAs, and whether a custodian could refuse to accept the rollover. The post IRMAA, Early Withdrawal Penalty, 403b Distributions: Q&A #2606 appeared first on The Retirement and IRA Show.

There are important changes coming to 401 (k), 403 (b), and 457 retirement plans in 2026, so I'm focusing on how these updates may impact catch-up contributions for individuals over age 50. With the Secure Act 2.0 on the horizon, higher earners will soon have to make their catch-up contributions as Roth (post-tax) rather than pre-tax contributions, potentially affecting their take-home pay and tax strategies. Tune in as I walk you through what you need to know, how to prepare for these new rules, and actionable steps to make the most of your retirement savings.  You will want to hear this episode if you are interested in... [00:00] 2025 retirement contribution limits. [05:26] Roth 401(k) catch-up contribution. [08:05] 2026 salary tax example analysis. [11:37] Tax impact on pre/post contributions. [14:20] Tax-free Roth options. Navigating the 2026 Catch-Up Contribution Changes Employer-sponsored retirement plans, such as 401(k), 403(b), and 457, have long offered "catch-up contributions" for participants aged 50 and above. These extra contributions serve as a valuable tool for bolstering retirement savings during peak earning years. The catch-up contribution limits for 2025 will allow participants to contribute an additional $7,500 on top of the standard $23,500 annual maximum, totaling $31,000. There's also a "super catch-up" for those aged 60-63, which jumps to $11,250. But starting in 2026, the Secure Act 2.0 introduces a pivotal change: If you earned over $145,000 in 2025: You'll be required to make catch-up (and super catch-up) contributions after tax to Roth accounts, not as pre-tax traditional contributions. For those earning under $145,000, it's business as usual; you can still make catch-up contributions pre-tax if you choose. How These Changes Impact Retirement Savers The biggest impact? High-income earners will see an immediate difference in their take-home pay. Traditional pre-tax contributions typically reduce taxable income in the year made, lowering both federal and state taxes. Roth contributions, however, do not offer this upfront tax savings; instead, they provide tax-free withdrawals in retirement. This means that someone earning $170,000 could see their annual tax bill rise by nearly $2,300 when $8,000 of their retirement saving shifts from pre-tax to post-tax Roth dollars. If you earn even more, say, $300,000, the annual difference climbs above $3,500, all while saving the same amount. The tax diversification benefit of Roth accounts remains, but the immediate budget hit is real. Preparing for the 2026 Transition These are my top tips for getting ready for 2026: 1. Check Your Plan's Roth Options: Verify with your HR or retirement plan administrator whether your employer plan supports Roth 401(k) (or equivalent) contributions. If it doesn't, advocate for plan amendments, employers have until 2026 to comply. 2. Assess Payroll Impact: Use online paycheck calculators to estimate your net pay under the new rules.. 3. Consider Alternatives if Roth Isn't Available: If your employer doesn't offer Roth options, you can still open a Roth IRA, though income limits may apply. Those exceeding these limits can explore the "backdoor" Roth IRA strategy or even simply invest in a taxable brokerage account with tax-efficient ETFs. The Long-Term Upside of Roth Savings While losing the immediate tax break feels like a setback, forced Roth contributions offer unique advantages: Tax-Free Growth: Money in Roth accounts grows tax-free, and withdrawals are also tax-free. Estate Planning Boost: Funds left in Roth accounts can pass to heirs with minimal tax consequences. Retirement Flexibility: Roth assets aren't subject to required minimum distributions (RMDs) during the account owner's lifetime. A consistent series of $8,000 annual Roth catch-up contributions, invested over a decade at 6-8% returns, could grow to $105,000 - $115,000 tax-free, with possible doubling over the next two decades if left untouched. Change is coming to catch-up contributions for high earners, beginning in 2026. By understanding these new rules and taking proactive steps now, you can minimize disruption and position yourself for long-term retirement success. The road to retirement is always evolving, make sure your strategy evolves with it. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Salary Paycheck Calculator – Calculate Net Income  Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

Barb O'Neill, CFP®, AFC®, walks us through 403(b) withdrawal strategies in retirement. Transitioning From 403(b) Saver to Post-Career Spender (blog post w/resources) Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

We had a blast speaking with North Carolina educator/retirement plan advocate, Daniel Noles. Not only is he helping colleagues get wise to saving for retirement, he makes his own kids listen to our pod. But don't hold that against him! As he closes in on retirement he's considering a second act as a financial advisor.  Gaston County Schools - D plan but excellent 457(b) option Educator Turned Advisor Mary Ann Sullivan Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

Jeff Santoro is an educator from New Jersey and Jason Hall is a financial writer and analyst. Together they host the Investing Unscripted podcast. We talk about getting wise to saving, music, and even engage in a little stock picking.    Investing Unscripted West Windsor-Plainsboro Regional School District Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

We share our recollections of, and interactions with, the former Wall Street Journal columnist, founder of HumbleDollar.com, and friend of 403bwise.   No Regrets Farewell Friends Thank You, Jonathan Podcast with Jonathan Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

Our guest, Danny Kofke, is a jack-of-many-trades: elementary school teacher for 18 years, author of 6 books including Where to Spend. Where to Save. A Teachers Guide to Managing Your Finances, and Director of Training and Outreach for the Southern Education Retirement Consortium.  Danny Kofke Where to Spend, Where to Save: A Teacher's Guide to Managing Your Finances Southern Education Retirement Consortium Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

Student loan guru and former teacher, David Gurley, who we have dubbed the "Loan Ranger," returns to update us on the ever-changing world of student loans.  K-12 Planning studentaid.gov Student Loan Planner Student loan repayment plans have shifted — and more changes are ahead. Here's what borrowers need to know (CNBC) Student Loans Are About to Look Very Different (NY Times) Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

Charly Stoever (they/he/papi) is a nonbinary latinx money coach, speaker, and host of the Unicorn Millionaire Podcast. They help LGBTQ+, BIPOC, and first-gen folks crush debt and start building a six-figure retirement, without needing a six figure salary. They're a formerly undocumented Mexican American and ex-stock broker who has traveled solo to 39 countries and is full time international pet sitter. Charly provides tips for new social workers on what to look for regarding benefits offered by employers (i.e 403B). Charly also provides ways social workers can find communities to learn more about personal finance. Charly also provides tips to build a solid financial foundation for 2026 like be concious of spending, learn to budget and increase income while decreasing expenses. Instagram: @travelercharlyWebsite: www.unicornmillionaire.com The podcast is sponsored by Bas Moreno Consulting providing financial education and counseling for people of color in the #sandwichgeneration who are struggling with their finances while caregiving. To book a free 45 minute consultion use this link: https://calendly.com/basmoreno/consultationFollow the podcast on Instagram: https://www.instagram.com/thesocialworkrantspodcastThe podcast is hosting its 1st live event in over a year. Join me on October 4th in NYC to celebrate Hispanic Heritage Month and 5 years of the podcast. Get your tickets here: https://www.eventbrite.com/e/the-social-work-rants-podcast-live-celebrating-hispanic-heritage-month-tickets-1625829191879?aff=oddtdtcreator

Discover why 401k millionaires hit an all-time high. Are you on track for financial freedom...or not? Financial freedom is a combination of money, compounding and time (my McT Formula). How well you invest can make the biggest difference to your financial freedom and lifestyle. If you invested well for the long-term, what a difference it would make because the difference between investing $100k and earning 5 percent or 10 percent on your money over 30 years, is the difference between it growing to $432,194 or $1,744,940, an increase of over $1.3 million dollars. Your compounding rate, and how well you invest, matters!  INVESTING IS WHAT THE BE WEALTHY & SMART VIP EXPERIENCE IS ALL ABOUT - Invest in digital assets and stock ETFs for potential high compounding rates - Receive an Asset Allocation model with ticker symbols and what % to invest -Monthly LIVE investment webinars with Linda 10 months per year, with Q & A -Private VIP Facebook group with daily community interaction -Weekly investment commentary -Extra educational wealth classes available -Pay once, have lifetime access! NO recurring fees. -US and foreign investors are welcome -No minimum $ amount to invest -Tech Team available for digital assets (for hire per hour) For a limited time, enjoy a 50% savings on my private investing group, the Be Wealthy & Smart VIP Experience. Pay once and enjoy lifetime access without any recurring fees. Enter "SAVE50" to save 50% here: http://tinyurl.com/InvestingVIP Or set up a complimentary conversation to answer your questions about the Be Wealthy & Smart VIP Experience. Request an appointment to talk with Linda here: https://tinyurl.com/TalkWithLinda (yes, you talk to Linda!). SUBSCRIBE TO BE WEALTHY & SMART Click Here to Subscribe Via iTunes Click Here to Subscribe Via Stitcher on an Android Device Click Here to Subscribe Via RSS Feed LINDA'S WEALTH BOOKS 1. Get my book, "3 Steps to Quantum Wealth: The Wealth Heiress' Guide to Financial Freedom by Investing in Cryptocurrencies". 2. Get my book, “You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Men love it too! After all, you are Wealth Heirs. :) International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. WEALTH LIBRARY OF PODCASTS Listen to the full wealth library of podcasts from the beginning.  SPECIAL DEALS #Ad Apply for a Gemini credit card and get FREE XRP back (or any crypto you choose) when you use the card. Charge $3000 in first 90 days and earn $200 in crypto rewards when you use this link to apply and are approved: https://tinyurl.com/geminixrp This is a credit card, NOT a debit card. There are great rewards. Set your choice to EARN FREE XRP! #Ad Protect yourself online with a Virtual Private Network (VPN). Get 3 MONTHS FREE when you sign up for a NORD VPN plan here.  #Ad To safely and securely store crypto, I recommend using a Tangem wallet. Get a 10% discount when you purchase here. #Ad If you are looking to simplify your crypto tax reporting, use Koinly. It is highly recommended and so easy for tax reporting. You can save $20, click here. Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom.  (This post contains affiliate links. If you click on a link and make a purchase, I may receive a commission. There is no additional cost to you.)

The managing director for Morningstar Research Services and the author of the Substack column Basis Pointing, Jeff Ptak, talks saving and investing.  It's So Simple Substack: Basis Pointing Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

The One Big Beautiful Bill Act (OBBBA) has a lot of pieces, some of which affect educators. Barbara O'Neill gives us the 411 on this legislation.  An OBBBA Summary for 403(b) Plan Participants Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

Lucretia Ryan of FinancialFreedomforWomen.org walks you through the questions to ask to determine when to take Social Security. This is a recording of a 403bwise.org Event that occurred on August 19, 2025. FinancialFreedomforWomen.org Presentation Slides Most Americans Claim Social Security at the Wrong Time Podcast: Dirty Little Secrets of Medicare “Advantage” Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

Nick Maggiulli, Chief Operating Officer for Ritholz Wealth Management, discusses his blog Of Dollars And Data and his new book The Wealth Ladder: Proven Strategies for Every Step of Your Financial Life.  The Wealth Ladder Of Dollars And Data Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

Long-time educator, basketball coach, and personal finance instructor, Julius Prezelski, discusses teaching, coaching and his recent retirement. Long Time Basketball Coach Fin Lit Educator Retires Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

Dan and Scott drop hint about new project they are working on. They also talk about their recent vacations, and the importance of choosing the right teaching location.   Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

More than 20 years ago legislation (AB2506) was proposed to allow California school districts who wanted to reform their 403(b) plan to be able to reform their 403(b) plan. The industry hated the proposal. It threatened their multi-vendor, high-cost, agent-driven model. We speak with former TIAA-CREF Regional Manager, Dick Shafer, whose company spearheaded the effort to fix the broken California K-12 403(b) plan.   California Dreaming (of better 403(b) plans) Dick Shafer Green Light for Single Vendor 403(b) Plans in California 403bcompare.com 403bwise Facebook Group 403(b) & 457(b) Basics: How to start a 403(b) (pod) 403(b) & 457(b) Basics: Asset Allocation (pod) Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

In this episode, host Jannese Torres dives into the inspiring journey of Gabby, a 46-year-old teacher aiming to retire by 57. Discover how Gabby transformed her financial landscape by maxing out her 403B and Roth IRA, investing in index funds, and strategically planning her retirement. Jannese shares expert insights on optimizing contributions, understanding withdrawal strategies, and the importance of asset allocation as retirement approaches. Tune in to learn how you can take control of your financial future and make early retirement a reality.Need help creating your financial freedom plan? Book Your Investor Power Hour CallWant your question answered on the show? Ask your question here!More from YQD™:Full show notes: Visit our blog.Watch the full interview on YouTube — don't forget to subscribe!Grab my book Financially Lit! in English or Español.Ready to level up? Learn more about our signature programs.This episode is sponsored by BetterHelp — Get 10% off your first month: betterhelp.com/dinero Hosted on Acast. See acast.com/privacy for more information.

Equitable fires agent who threatened teacher. Delaware has an excellent low-cost, state-run 403(b) plan. We discuss.  Equitable Agent Threatens Teacher (blog) Equitable Agent Threatens Educator (pod) Truth About SIOs (pod) 403bwise Facebook Group 403(b) & 457(b) Basics: How to start a 403(b) (pod) 403(b) & 457(b) Basics: Asset Allocation (pod) Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

In episode three of our new pod series: 403(b) & 457(b) Basics, Scott and Dan explain how to get exit a bad 403(b). It's often difficult but very possible.  Stuck in a Bad 403(b)? How to Get Out of Equitable/AXA Bad 403(b) Vendors w/Good Choices 403bwise Facebook Group 403(b) & 457(b) Basics: How to start a 403(b) (pod) 403(b) & 457(b) Basics: Asset Allocation (pod) Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

We check in with Jeff York on how retirement's going and discuss his attempts to hire an estate fiduciary who would act as the trustee of his estate.   The Wealthy Custodian (pod) The Wealthy Custodian in Retirement (pod) Questions to Ask a Professional Fiduciary  Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

No doubt that summer is a great time to relax. It can also be a good time to make sure your financial house is in order. Dan & Scott discuss wise money moves, and Dan talks about taking out his first ever car lease.  State of Student Loans? Chaos (pod) The Importance of Asset Allocation  Tripit Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

Plan consultant Barbara Healy, CFP® and her colleague Jackie Fabitore-Matheny, had the solution to what woes the K-12 403(b) more than 25 years ago. Imagine if districts had listened? We talk with Barbara about what could have been (and what might still be).  Barbara Healy EGTRRA Industry Lobbyist Brian Graff Describes How Many Vendors His Retirement Plan Has (1:03 mark) Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

Student loan expert and financial planner David Gourley updates Dan and Scott on the volatile state of student loans (particularly PSLF loans) right now.  K-12 Planning Public Service Loan Forgiveness Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

Tennessee passes an anti-pubic employee law that will subject teachers and others to private company financial sales pitches. We break it down into three parts: 1) What it is 2) What we dislike about it 3) What teachers and state employees should do. Tennessee Throws Teachers to the Wolves (Blog Post) Tennessee Legislators Illegally Voting with Sticks (John Oliver) Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

Who better to make sense of the tariff situation than one of our favorite guests, Cullen Roche, economist, and founder and chief investment officer of the Discipline Funds, a low-fee advisory firm.    An Autopsy of American Exceptionalism Three Things - China Deal Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

Scott finds out just how much commission Equitable salespeople get for selling EQUI-VEST products. No wonder they fight reform so hard. No wonder they love to initiate exchanges.  The Price of Enrollment Podcast on SIOs Plan Fee Disclosure Form for University of Jamestown Equitable Plan Fee Disclosure Brochure Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

Who better than best-selling author Morgan Housel to help put April's market volatility in perspective? Well we couldn't get Morgan on the pod but we have the next best thing: Morgan Houselisms! Enjoy.  First 100 Days of Trump 2 Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

Retired Los Angeles Unified School District teacher, principal and district administrator, Mary Ann Sullivan, is now officially a CFP®! Not only that, she is opening an advice-only, fee-only firm.  Note: Mary Ann meant to say that the number of experience hours needed for a CFP® is 4,000 for apprenticeship and 6,000 for standard pathway (not the 2,000 and 4,000 hours respectively that she mentioned in interview). 395 Financial Planning Retired Teacher Pays It Forward (Maggie Mason/Santa Barbara) Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

In episode two of our new pod series: 403(b) & 457(b) Basics Scott and Dan look at asset allocation. They describe what it is, why it's important and they go over several strategies for allocating a 403(b) and a 457(b).  Importance of Asset Allocation by Barb O'Neill The Price of Peace: Why diversification is difficult, but necessary by Nick Maggiulli Risk Tolerance Assessment Cullen Roche Discipline Funds Basics of the 403(b) & 457(b): How to start a 403(b) (pod) Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

Barbara O'Neill, PhD, CFP, AFC, owner/CEO of Money Talk: Financial Planning Seminars and Publications, and a monthly columnist for 403bwise talks spring cleaning your personal finances.  Spring cleaning is more than deep cleaning and decluttering. It is a great time to neaten up your finances.  Spring Cleaning Your 403(b) and Personal Finances The Truth About So-Called "No Fee" Products Meridian Wealth Management 403bwise.org

Nicole and Larry Dubill, two Buffalo, NY area educators, share passion for education, music, and 403(b) advocacy.  Cleveland Hill School District 403(b/457(b) Vendor List Hamburg Central School District 403(b)/457(b) Vendor List The Truth About So-Called "No Fee" Products Meridian Wealth Management 403bwise.org Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®).