Comprehensive Financial Plan for Educators
Our One-Time Plan gives educators, public employees, and their families a complete written roadmap across their whole financial life: retirement, investments, taxes, insurance, estate, education, and benefits. It's built in 8 weeks by Chris Reddick, CFP®, EA, RICP®, a fee-only, advice-only planner in San Antonio who works with clients virtually nationwide.
$3,000 one-time · no ongoing fees
Three virtual meetings over 8 weeks and a customized written plan with prioritized action steps. Want ongoing support afterward? You can continue on our Ongoing Plan at $150/month, with no setup fee.
What Your Plan Covers
- Retirement: when you can retire, retirement income, and pension choices for TRS, TCDRS, FERS, and other plans
- Investments: a low-cost portfolio review across your 403(b), 457(b), TSP, IRAs, and taxable accounts
- Taxes: Roth conversions, withdrawal order, and bracket planning from an IRS Enrolled Agent
- Social Security: claiming strategy, including benefits after the WEP and GPO repeal
- Insurance and estate: coverage gaps, beneficiaries, and estate documents
- Education and benefits: 529 plans, student loans and PSLF, and workplace benefits
Our Comprehensive Financial Planning Process
A focused 8-week engagement built around three meetings, designed to take you from financial questions to a clear written plan and confident next steps.
1 Week 1–2
Discovery Meeting
We start by talking through your financial goals, your current situation, and what's keeping you up at night. You'll share your accounts, income, and key documents, and we'll map out what a successful plan looks like for you.
2 Week 5–6
Plan Presentation
We deliver your personalized 15+ page comprehensive financial plan and walk through every recommendation in detail: retirement, tax strategy, investments, insurance, estate, and more. You leave the meeting with a written roadmap.
3 Week 8
Accountability & Follow-Up
We review the action items you've completed, work through any questions that came up while implementing the plan, and finalize next steps. This is where the plan becomes real progress, not just a document on a shelf.
See What a Comprehensive Financial Plan Looks Like
Wondering what you actually receive? Below are three sample financial plans built with the same template, structure, and depth as the plans we deliver to clients. Each is based on a fictional household chosen to represent a different planning situation.
Educators & Public Servants
The Hendricks Family
A high school principal and an elementary teacher planning to retire together in eight years. Shows how TRS pensions, 403(b)/457(b) plans, and restored Social Security benefits work together.
- TRS Rule of 80 retirement timing
- Post-WEP/GPO Social Security strategy
- Replacing high-fee 403(b) variable annuities
- 529 plans for two daughters
Pre-Retirees
The Whitfield Family
A household with $3.2M in investable assets, a FERS pension, and heavy pre-tax savings. Shows how to manage future RMDs, IRMAA brackets, and a complex portfolio in retirement.
- Multi-year Roth conversion strategy
- IRMAA bracket management
- Portfolio simplification (23 funds to 4)
- Donor-Advised Fund & QCD planning
Young Professionals
The Patel Family
A high-earning young household with an upcoming home upgrade and a young family. Shows how to balance aggressive savings with quality-of-life decisions.
- Mega backdoor Roth activation
- Employer stock diversification & tax withholding
- S-Corp solo 401(k) optimization
- Student loan strategy & PSLF preservation
These sample plans feature fictional households created for illustration. All figures, projections, and recommendations are hypothetical and should not be considered advice for any specific individual. Your own plan will be built around your unique goals, accounts, and circumstances.
Ready to Take the First Step?
Schedule a free initial consultation to talk through your goals and see if a comprehensive financial plan is the right fit. No cost, no obligation, about 30 minutes.
