MSU Employees: Not sure what to do with your TIAA or Fidelity account?
You’ve done a great job saving.
You’ve contributed consistently.
You’ve built real retirement assets.
But at some point, the question changes from:
“Am I saving enough?”
to
“Have I accumulated enough retirement assets?”
That’s where things start to feel unclear.
You might be thinking:
-
Should I annuitize my TIAA account?
-
How much income do I actually need?
-
What should stay invested and flexible?
-
Am I taking too much risk… or not enough?
-
What other options are available for my situation
-
When should I take Social Security?
-
What does retirement actually look like month to month?
-
Am I on track… or just hoping I am?
These are the right questions.
Decision should be based on your full financial picture:
-
Your income needs
-
Your lifestyle goals
-
Your flexibility needs
-
Your other income sources
Not just a default option or a single recommendation. You don't have to figure this out on your own.
We’ve worked with MSU employees for over 18 years and understand how these plans work.
But more importantly—
we help you understand how they fit into your life.
MSU Retirement Clarity Check
A short, 15-minute conversation to help you:
-
Understand your current setup
-
Identify gaps or risks
-
Get a second opinion on annuitization or income strategies
-
Clarify what your next step should be
This is not a full financial plan.
It’s a starting point to help you move forward with more clarity and confidence.
What does it cost to work together?
This is one of the most common questions we get.
The answer depends on what you’re looking for, but most MSU employees we work with fall into one of two approaches:
• A one-time financial plan to get clarity and direction
• An ongoing relationship that includes planning and investment guidance
Initial planning typically falls between $1,200 and $2,000, depending on complexity.
For those who choose to work together long-term, planning is often incorporated into the ongoing relationship.
We’ll always walk through this clearly before moving forward so you know exactly what to expect.