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We specialize in helping those in higher education navigate their retirement plans.

University Retirement Plans

S&A Financial Services, Inc. is independent of TIAA and Fidelity, however we have the unique ability to manage your university retirement plan due to the relationship we have with TIAA and Fidelity.  We have the privilege of being able to deduct our management fee directly from your retirement plan with pre-tax dollars.  

Why work with S&A when I can go directly to TIAA and/or Fidelity?

Yes, TIAA and Fidelity reps can work with you with your accounts, however, they are employees of their respective company and can't provide unbiased advice.  We have the ability, if in your best interest, to combine TIAA and Fidelity investments into one portfolio in order to take advantage of both carriers best investments.  When choosing between working with S&A or TIAA/Fidelity, I always tell prospects...."pay attention to who's paying the light bill. The TIAA/Fidelity reps will recommend their own products and are told what to do by those paying the light bill."  It's impossible for those reps to provide true, unbiased advice.  At S&A, we offer independent advice (we pay our own light bill) and will do what's in your best interest.   

What is Brokerage Link and Why do I Want it?  

Brokerage Link is an account that most university's provide to their employees - mostly unbeknownst to employees.  This is an account linked to your 403(b), 457(b), or 401(a).  Here are some advantages of Brokerage Link..... 

  • Thousands of investment choices 
  • Sector investments.  We can gain access to any sector you'd like - can't do that in your "core" university retirement plan
  • 401(a) accounts have access to ETF's through Brokerage Link
  • Index investments with expense ratios of 0.03%
  • NO trading costs for investments we use

HigherEd Retire Podcast

Started in 2019, Greg Shepard hosts this podcast specifically to help those in higher education.  Greg's goal is to share with you information about your retirement plan that you just won't find anywhere else.  

Below, you'll find various videos regarding your University Retirement Plan.

Target Date Funds

Learn 3 Strategies to Improve YOUR Univ Retirement Plan {Recorded Webinar}

Best Kept Secret In YOUR Univ Retirement Plan {Recorded Webinar}

Ready to see how we can help?    Schedule 30-min phone call