Financially Independent Teachers (#233)
North Carolina teachers Dave and Brandon help colleagues and students get wise to saving for retirement (updated with correct audio track).
Teach and Retire Rich
Teacher Daniel Otter, Ph.D. and Certified Financial Planner Scott Dauenhauer CFP® of 403bwise.org discuss teacher saving for retirement issues. Never too serious, Dan and Scott strive to make learning about pensions, the 403(b), the 457(b), and investing, fun and understandable.
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Episodes (300)
Teacher Asks for and Gets Great 457(b) (#232)
Southern California high school math teacher gets a Fidelity 457(b) added to his vendor list.
Teacher/Travel Hacker Turned Fiduciary (#231)
One of our favorite guests, teacher/travel hacker Justin Garritt talks about his decision to leave the classroom to become a full-time fiduciary advisor. We also talk travel hacking and carrying a "whole ham" on a flight.
The Right Kind of Financial Advice (#230)
In the wake of the SEC's settlement with Equitable Financial we are getting a lot of inquiries about how to find the right kind of financial advice.
Equitable SEC Settlement (#229)
Fifty million more reasons to hate Equitable Financial after the Securities and Exchange Commission fined the firm $50 million for "materially misleading statements and omissions concerning investor fees."
We discuss settlement and ask the question: Why would any school district continue to let this firm sell financial products to its employees?
PSLF Waiver Event (#228)
Student loan expert (and former teacher) David Gourley discussed a time-sensitive student loan provision that could save borrowers thousands of dollars.
Prior to event he asked for volunteers to share their loan data sets. He analyzed three submissions. During the event he announced that these three educators would save $14,000, $23,000, and $50,000 respectively.
David also answered lots of student loan questions.
401(k) for Teachers? (#227)
Educators in several states have access to a 401(k). We discuss the similarities and differences between the 403(b) and 401(k), and we ask the question: Should all educators have access to a 401(k)?
New Jersey's Bad 403(b) Bill (#226)
In language eerily similar to Pennsylvania's Act 5, which prevents school districts from going single vendor, proposed New Jersey legislation would require large school districts to have at least three 403(b) vendors.
We speak with “Izzy” Tannenbaum, partner at Withum, a tax advisory and public accounting firm. Izzy supports the intent of the bill but acknowledges it contains flaws.
Sponsors of Bill A1974
Resources
LAUSD Educator on F.I.R.E. (#225)
Recently retired 49-year old LAUSD veteran talks teaching, saving for an early retirement, and what's next.
High-Cost Firm Releases "Study" That Supports Its Model (#224)
Security Benefit releases dubious "study" that to the surprise of no one supports its sales-agent based approach.
Do As We Say Not As We Do: Equitable & NLG 401(k) Plans (#223)
Vendors like AXA/Equitable and National Life Group sell high-cost products to educators but make excellent low-cost retirement plans available to their employees. We look at these firm's 401(k) plans.
AXA/Equitable Insider pt. 2 (#222)
Part 2 of interview with former AXA/Equitable vice president for business development. Topics covered include: firm's feelings toward 403bwise.org; company name change; importance of ASBO; key markets; where firm will be in 10 years.
AXA/Equitable Insider pt. 1 (#221)
Former AXA/Equitable vice president for business development dishes on firm that dominates the K-12 403(b) market in terms of market share and participant anger (part 1 of 2).
Executive Function Expert (#220)
Former teacher teaches executive function techniques to middle school, high school and college students.
PSLF Waiver (#219)
Student loan experts David Gourley and Mychal Eagleson, CFP® discuss a time-sensitive student loan provision that could save borrowers thousands of dollars.
Taxable ETF > Pre-Tax 403(b)? (#218)
At what price point does it make sense to invest in a taxable brokerage account over a pre-tax 403(b)?
Super Superintendent (#217)
Terry Slack is a Superintendent (known as District Administrator in Wisconsin) who gets the importance of offering a low-cost 403(b). His district's A-rated single vendor plan has a 75% participation rate. We talk with Terry about why and how he prioritizes employee wellness.
The Market is Down. But You Shouldn't Be. (#216)
The market is off close to 13% year-to-date. We discuss why this might not be such a bad thing.
iBond Mania (#215)
iBonds are paying eye-popping rates. We discuss.
Stars of Learned by Being Burned (#214)
We profile teacher Barb Besal who narrated Learned by Being Burned: Teachers and the K-12 403(b), and veteran journalist Steve Buel who researched, reported and wrote the series.