Page 8

{ your finances { yourfinances

Get your plan on in 2016

Financial planning is a career-long process—a journey. It starts your first day on the job. Every financial decision you make (or don’t make) along the way can impact when you will reach your final destination and what it will look like when you arrive. If you don’t have a plan, make 2016 the year you get it done. You don’t have to be an expert in finances or investing to do well financially, but having a plan is essential. Our financial planners can help tailor a plan to suit your goals and your situation regardless of where you are at on your journey. Our financial planning services are designed for the education community and can help get you on track and keep you on track toward financial security.

Just starting out Free One-Hour Consultation The free consultation is great for Wisconsin public school employees just starting their careers, starting to plan, or looking for a quick plan checkup. Just one hour can help you get started down the road to financial security. Our planners will help you: • Understand and determine an appropriate asset allocation. • Evaluate your retirement savings account options. • Calculate savings goals. Bonus: You can take advantage of the free one-hour consultation one time per year.

Building your assets

8

Portfolio Analysis If you have started saving and have investments but are wondering whether you are invested appropriately for your age, life stage, and risk profile, a Portfolio Analysis might be appropriate. You’ll receive a comprehensive evaluation of your current investment portfolio (including investments you or your spouse may have with other companies) and recommendation of adjustments needed to align your portfolio with your financial goals, risk tolerance, and investment objectives. This fee-based service includes two hours of analysis and a 30-minute consultation to deliver the report.

Cost: As low as $350 Participants in our 403(b) program get a 50% discount off the full price of $700.

Wondering if you’re on track for retirement Retirement Income Projection If you are 11+ years from retirement and are wondering if you’re on track to meet your retirement goals, the Retirement Income Projection may be just what you need. You will play an active role in gathering specific data and other details necessary for the projection. The Income Projection provides you with: • A comprehensive view of your retirement expenses and income. • An estimate of your Wisconsin Retirement System (WRS) pension benefit based on the annuity option and retirement date that you choose. • Your Social Security benefit estimate, and more. The Retirement Income Projection is a fee-based service and includes three hours of analysis and a 30-minute consultation to deliver the report.

• A retirement income distribution cash flow analysis. • A tax analysis to help you understand and anticipate your future income tax liability, and more. Cost: As low as $950 Participants in our 403(b) program get a 50% discount off the full price of $1,900. WEAC members receive an additional discount up to $150.

“Meeting with Brenda brought us such a level of comfort. It gave us a real peace of mind knowing that we’re on track and able to maintain our lifestyle. The plan was very thorough—it gave us a budget, when we should take Social Security, and even a timeline to buy our next car—it was really beneficial.”

Retired educators Nick and Karen Niehausen (Kettle Moraine and North Lake).

Cost: As low as $250 Participants in our 403(b) program get a 50% discount off the full price of $500.

Planning your retirement Retirement Income Analysis For those within 10 years of retirement, this highly focused, fee-based plan will give you the answers you seek about your readiness to retire. This comprehensive analysis will provide: • Strategies for preserving your retirement assets. • Suggested adjustments to meet your goals. • An estimate of your WRS benefit and Social Security benefit. weabenefits.com weabenefits.com

Your$ Magazine -- Winter 2016  

Protecting what’s important: What you don’t know may prevent you from protecting what you value most. Also in this issue: Learn the benefits...

Your$ Magazine -- Winter 2016  

Protecting what’s important: What you don’t know may prevent you from protecting what you value most. Also in this issue: Learn the benefits...

Advertisement