At Konty Financial Services, our goal is to help educators and public employees choose the investment and income strategies that work for them. We help Colorado teachers build retirement portfolios that result in a comfortable and fulfilling retirement.
We'll provide you with a personalized analysis of your portfolio and advise you on strategies so you can work toward a successful retirement.. We’ll review your pension for free and help you answer these questions:
- When should you start your pension?
- Should you take your pension as an annuity or a lump sum?
- If you leave early, can you take a partial employer contribution with you?
- How do your benefits accrue over time?
- What type of survivor option should you choose?
- Where else should you be investing in order to build a secure financial future?
We know the last thing teachers often have time for is retirement planning. When it comes to planning for retirement, it’s best to have a diversified approach to your investments for retirement and tax planning.
The goal of our independent approach to retirement planning helps our public school clients pursue their goals while typically lowering their overall financial advising and investment management expenses.
Retirement & Financial Planning For Teachers
Our goal is to help simplify the retirement planning process so you can have an easy and comfortable retirement. We understand how the various intricacies of the Colorado Public Employees' Retirement Association (PERA) program and other topics impact your financial planning goals. Financial services for public school employees include:
- 403(b) Investments
Tax Deferred Annuity 403(b) is a retirement savings plan designed specifically for public school employees. They work alongside your pension, helping to fill your retirement income gap.
- 457(b) Investments
Deferred Compensation 457(b) plans are typically offered by your employer and allow pre-tax contributions.
- Pension Maximization Strategies
With pension maximization, a retiree selects the single life only distribution option and uses the additional monthly income to purchase a life insurance policy to guarantee his or her spouse a death benefit.
- Life Insurance | Disability Insurance | Long-Term Care Insurance
Get the help you need to find an insurance plan that works for you, your family and your budget.
- College Savings Planning
529 Plans offer a tax-advantaged way to save for college. Starting early and putting away even a small amount of money each month can have a huge impact on future educational expenses.
All of the above-mentioned items play an important role in a teacher's planning. We are able to apply our experience in these topics when discussing, implementing, and monitoring a client's long-term retirement plan.
