K-12 Educators

This teacher came to Fortress Financial thinking she may be able to bridge the gap to social security with her 403(b)s and retire now even though she wouldn’t get her full pension benefits. She was a stay-at-home mom for her kids until they were old enough for school, so although she was 55 years old, she only had 21 years in the NJEA pension.

We showed her a strategy where she could get her full pension benefits, including lifetime health insurance benefits, without draining her emergency money. This made her decision easy. She put in her papers to retire and finished the school year.

She is now retired and doing some charity work. For us, it was very satisfying to see her whole disposition change within a year.

*These results are for illustrative purposes only and should not be deemed a representation of future results. Circumstances, solutions, and/or results are based on specific facts tied to unique client situations. Favorable results cannot be guaranteed even in a similar scenario. Each specific set of circumstances will differ depending on client needs and profile. Actual results may be more or may be less than those shown. Past performance does not guarantee future results. This assessment is that of the writer, and not the recommendations or responsibility of Cetera Wealth Services, LLC or its representatives. The solutions presented in this scenario are being offered through Fortress Financial.

Educator Services

• Budget Planning
  
• Estate planning
  
• Implementation strategies
  
• Personalized investment management
  
• Philanthropic planning
  
• Retirement income planning
  
• Risk management