Retirement Financial Planning for Public School Teachers
Teachers Deserve an A+ Retirement Plan
From Lesson Plans to Retirement Plans – Your Journey Starts Here
At Nicotera Wealth Management, we understand the challenges and have the solutions. We’ll work with you to ensure your transition from the classroom to a rewarding, worry-free retirement is filled with financial confidence.
Get the Score on Your Retirement Report Card
Here’s how we can help:
Personalized Retirement Planning
At Nicotera Wealth Management, we deliver a holistic, personalized retirement strategy, integrating your unique financial situation, goals, and educator-specific benefits with a comprehensive analysis of your savings, investments, debt, and insurance.
Maximizing Pension & Benefits
Advisors expertly navigate the complexities of your pension plan and Social Security benefits, guiding you to optimize the timing of your retirement while seamlessly integrating various income sources for maximum financial advantage.
Investment Management
The team at Nicotera Wealth Management will craft and manage a diversified investment strategy, aligning your overall portfolio, pension, and 403(b)/retirement plan choices with your risk tolerance and retirement timeline for optimal growth.
Debt Management & Savings Strategies
We develop personalized strategies that reduce any outstanding debt while simultaneously establishing disciplined savings habits that optimize your financial resources for a secure retirement.
Tax Planning
Our financial advisors employ tax-efficient strategies and optimize tax-advantaged accounts to help maximize your retirement income.
Ongoing Support & Adjustments
We continuously educate and empower you, adjusting your retirement plan to align with changing life circumstances, market conditions, and personal and financial goals.
Our Easy Four-Step Process Toward Your Financial Security
Our comprehensive four-step process enables us to create a truly holistic financial plan that addresses your specific needs. From retirement planning through tax strategies, insurance considerations, and investment portfolio management to business transition and estate planning, we ensure every aspect of your wealth management plan is carefully designed, tested, and implemented, empowering you to focus on what matters most.
Introduction & Discovery – Where Your Dreams Meet Our Expertise
Our first step together starts with an introduction call, during which we get to know each other, assess your complete financial situation, determine your financial goals and unique circumstances, and outline the path forward together.
Education & Financial Planning – Your Blueprint for Success
In this step, we explain and de-mystify the role of a fiduciary-driven financial advisor and how that deeply benefits you. Our financial advisors share an overview of our investment management and planning strategies, laying the groundwork for a collaborative, transparent, and expertly charted financial planning journey.
Implementation – Where Strategy Meets Action
In this crucial step, we put your personalized financial and retirement plan into action, taking into consideration every aspect of your financial health, including your income, expenses, liquid, and retirement assets along with your lifestyle goals, to ensure each decision aligns with your long-term objectives, setting the stage for lasting financial security.
Ongoing Attention – Your Success is Our Constant Focus
Our advisors continuously monitor your assets and portfolio as we provide ongoing tailored investment advice on topics like asset allocation, cash flow, income tax planning and tax preparation, retirement strategies, college planning, insurance strategies, and estate planning. Using advanced data models, we map your financial future, account for economic shifts, adjust for inflation, and continue to evaluate your plan to ensure you remain on course to achieve your goals and secure a worry-free retirement.
Getting Ready to Retire?
The Top 20 Questions You Need To Ask and Answer Before Retiring
Are you ready to retire but anxious about the what-ifs and unknowns? Not sure where to start? Download our free guide, “The Top 20 Questions You Need To Ask and Answer Before Retiring,” and gain insights and knowledge to help you with one of life’s most important decisions.
