At Chris Reddick Financial Planning, we believe financial planning is a collaborative journey tailored to your unique life goals. Most of our clients are teachers, professors, and public employees in San Antonio and across the country. Here are three examples of how we help:*
Linda and Mark: Two Texas Educators Planning to Retire Together
Linda, a high school principal, and Mark, an elementary teacher, are in their early 50s and want to retire from Texas public schools at the same time. They aren't sure when they'll meet the TRS Rule of 80, whether to keep their high-fee 403(b) annuities, or how Social Security fits in now that the WEP and GPO have been repealed.
Through our One-Time Plan, we map out their retirement dates, compare their TRS annuity options, and build a step-by-step plan for their 403(b)s, 457(b)s, and their daughters' college savings. See a similar sample plan (PDF).
Robert and Susan: A Federal Retiree Managing Taxes in Retirement
Robert recently retired with a FERS pension and a large TSP balance, and Susan, a hospital administrator, plans to retire in two years. Most of their savings are in pre-tax accounts, and they worry about future required minimum distributions and Medicare IRMAA surcharges.
Our One-Time Plan lays out a multi-year Roth conversion strategy, a tax-efficient withdrawal order, and a simpler portfolio. They then continue on our Ongoing Plan, where quarterly meetings and an annual tax planning review keep the strategy on track each year. See a similar sample plan (PDF).
Karen: A University Professor Planning on Her Own
Karen is a single university professor in her late 40s. She has savings in her university's retirement plan, a 403(b), and a Roth IRA, but no one to talk decisions through with. She wants to know whether she's saving enough, how to invest without high fees, and when she could afford to retire.
On our Ongoing Plan, Karen meets with Chris quarterly. Together they track her progress, review her investments and taxes each year, and adjust the plan as her career and goals change.
*These scenarios are illustrative and based on fictional clients, designed to show the services we offer. Your own plan will be built around your goals and circumstances.
How We Work With You
We provide advice-only financial planning with no asset minimums. You can start with a One-Time Plan, continue with ongoing planning, or both. We cover retirement planning, investment planning, tax planning, college funding, and much more. Each meeting includes a clear agenda and action items, so you always know your next step.
As a fee-only, advice-only firm, our only compensation comes from the fees you pay. No sales pitches, no commissions, and no product sales. See plans and pricing.
Ready to See if We're a Good Fit?
Book a free 30-minute call to talk through your goals.
