Financial Planning
What would it feel like to actually have a clear plan?
There's a difference between knowing roughly where your finances stand and having an organized picture of where you are, what you have, and how to move forward. We put together personalized financial plans that take your income, goals, savings, and timeline into account, and we revisit them as your life changes. Every financial conversation becomes more grounded when there's a real, up-to-date plan to work from.
Employer-Sponsored Plans
Are you making the most of the retirement benefit your employer is already offering you?
Voya Retirement Insurance & Annuity Company has a 403(b)/Tax-Sheltered Annuity that is specifically designed for K-12 educators and employees in New York State. We focus on helping educators plan for their retirement. In fact, we are a top-five provider of retirement products and services in the U.S., serving more than 45,000 institutional clients and 10 million individual retirement plan participants.
Rollover & IRA Management
Do you have a retirement account from a previous employer that you haven't looked at in a while?
After a job change, an old employer's retirement account can quietly sit in the background for years. Those assets are still yours, and with the right attention, they can still be working toward your retirement. We help you take stock of what's sitting in old or inactive accounts, walk through all your options, and make sure those funds are actively aligned with your broader retirement strategy rather than going unmanaged.
Retirement Planning
Are you set up to retire on your own terms?
For years, you may have been contributing toward retirement through a pension, a 403(b), or both. We help you take stock of what you've accumulated, understand what your retirement income could realistically look like, and build a strategy that connects all the pieces. That includes your workplace accounts, any IRA rollovers from previous employers, and Social Security timing, where the age you file can have a meaningful impact on your monthly income throughout retirement.
Investment Management
How do you know your investments are actually working toward your goals?
What you put your money into matters, but so does whether the mix actually fits your goals, timeline, and comfort with risk. We take a close look at what you already have, talk through what you're comfortable with, and build or adjust a portfolio that reflects where you are and where you want to go. We stay actively involved over time, reviewing and adjusting as markets shift and your needs change.
Insurance & Risk Protection
If something unexpected happened tomorrow, would the people who depend on you be all right?
Thinking through what happens if something goes wrong is uncomfortable, but it matters. We help you figure out what kind of coverage makes sense for your family, income, and current obligations, and we walk you through your options clearly and without pressure before you make any decisions. Whether you're looking at life insurance for the first time, reviewing coverage you already carry, or thinking about how to protect your income if something kept you from working, we're ready to have that conversation with you.
Education Planning
How do you start saving for your child's education without putting your own future on hold?
When you have children, the question of how to pay for college tends to come up sooner than expected. We help you look at education savings alongside your other financial goals, so you're not in the position of choosing between your child's future and your own. That often includes a 529 savings plan, which offers tax advantages for qualified education expenses, but there are other options worth knowing about depending on your timeline, your child's age, and your priorities.