If you are a teacher, professor, administrator, or school employee in Texas, retirement planning can feel more complicated than it should. You may have a TRS
Roth conversions are one of the most powerful tools in a retiree’s tax planning arsenal. But executed without care, they can trigger Medicare’s Income-Related
Starting January 28, 2026, federal employees with a Traditional TSP balance gained a powerful new tool: the ability to convert pre-tax savings directly to Roth
Having a pension is becoming increasingly rare, especially in the private sector. Many private pensions have been frozen, and employees can no longer contribute
Early retirement from federal service requires careful financial planning. The federal government's Thrift Savings Plan (TSP) is a valuable tool for federal
What the Rule of 80 Is and Why It Matters
If you're a Texas public school educator, your retirement benefits are managed by the Teacher Retirement System of
When it comes to saving for your children's future, choosing the right account can make a huge difference. Each type of account has different rules about taxes
As a professor with nearly 25 years in higher education, I understand firsthand the unique challenges educators and public service professionals face when it
As a financial planner, I frequently hear this question: "Should I use a target-date fund or build my own portfolio?"
The answer isn't about which approach
Bear markets are inevitable, but permanent loss is not. The mix between stocks and bonds in your portfolio largely determines how far you fall during a downturn
When you inherit an IRA from someone other than your spouse, you face decisions that can shape your tax bill for a decade or more. The SECURE Act and subsequent
A research-based guide to one of retirement planning's biggest decisions
As an educator-turned-financial-planner, I frequently field questions from teachers
