Financial Planning for University Employees and Physicians
Financial planning at Emeritus means coordinating every account you hold into a single strategy built around your career, not a generic checklist. We work with university and college employees, administrators, and nonprofit hospital physicians nationwide.
Planning Built Around Who You Are
Two Audiences We Know Well
Professors, administrators, and physicians face different benefits structures, timelines, and financial pressure points, so we tailor the planning process to each.
Professors and Administrators
From tenure timelines to 403(b) plan selection, we help university employees make sense of the decisions that shape retirement.
Physicians
Deferred compensation, malpractice considerations, and a career timeline shaped by extended training call for a different planning approach.
Planning Built Around What You Need
Three Areas of Specialized Support
Beyond audience-specific planning, we offer focused support in the areas that matter most to our clients' retirement accounts and income.
Retirement Account Planning
Coordinating how your TIAA, Fidelity, and Vanguard retirement accounts work together, from contribution strategy to allocation decisions as retirement approaches.
Retirement Income Planning
Turning decades of retirement savings into a sustainable income stream, with a strategy for withdrawals, required distributions, and tax timing.
Asset Preservation and Insurance Planning
Reviewing insurance coverage and asset protection strategies so a single event doesn't undo years of planning.
Ongoing Reviews, Not a One-Time Document
A Plan That Keeps Checking In
A financial plan built once and never revisited stops reflecting your actual situation within a year or two. We review each client's plan two to three times per year, adjusting for changes in income, account balances, tax law, or retirement timeline as they come up.
When a question falls outside financial planning itself, we coordinate directly with your outside CPA or estate attorney so your tax and legal picture stays consistent with your financial plan. We don't provide tax or legal services ourselves, but we make sure the professionals who do are working from the same information we are.
Financial Planning Questions From University Employees and Physicians
What People Ask Before Getting Started
What does a financial planner do for college professors?
A financial planner reviews all of your retirement accounts, including your 403(b), and builds a coordinated strategy for contributions, investment allocation, and eventual income. For university employees, that also means accounting for tenure timelines and benefits specific to higher education institutions.
Do I need to have a TIAA account to work with Emeritus?
No. We work across TIAA, Fidelity, and Vanguard university retirement plans alike, so your specific provider doesn't determine whether we can help you. Most of our clients hold accounts across more than one of these providers.
How often will I meet with my advisor?
Clients typically meet with their advisor two to three times a year to review the plan and adjust for any changes in income, goals, or market conditions. Financial planning at Emeritus is an ongoing relationship, not a one-time document.
Will you try to sell me specific financial products?
No. We're a fee-based wealth management practice, which means our recommendations aren't tied to selling any particular product or provider. Advice comes first, and any product recommendation only follows if it genuinely fits your plan.
Do you handle tax preparation or estate planning directly?
We don't prepare taxes or draft estate documents ourselves, but we coordinate closely with your CPA or estate attorney when those pieces intersect with your financial plan. This keeps your overall strategy aligned across every professional you work with.
