University 403(b) Advisory

 

Professional Advice Based On Your Personalized Goals

My name is Jeff Adkins, and I am a financial advisor with more than 20 years of experience.  In addition to managing taxable and IRA accounts for individuals I offer personalized investment management to participants in 403b plans which are sponsored by many universities* throughout Kentucky.  Working together, I can help you plan for your retirement and manage your investments in your 403b plan.  Your 403b plan, a vehicle for saving and investing can become the cornerstone of the income you need to provide a comfortable retirement.

If you feel uneasy making investment decisions or prefer a personal relationship with an independent advisor, consider having a conversation with me.   As your independent advisor, I will routinely meet with you so we can track your progress and will be there for you when you have questions or concerns.  I will manage your investment accounts based on your objectives and comfort level for risk in a fiduciary capacity. (See video below)

 
 
 
 
 
 
 
 
 
 
I can also help you answer some other questions you may have such as:
  • Am I doing the things I should be doing to have a secure retirement?
  • How much income can I expect in retirement?
  • Am I on track financially to retire on time?
  • Am I deferring enough? Should I defer more in the voluntary plan?
  • Should I invest in a Roth?

Additional Services

In addition to managing your 403b investments we can also discuss and integrate other planning issues that may be important to you:

  • Retirement Income Planning – Including phased retirement options
  • Social Security Benefits
  • Medicare Benefits – Coordinated with university provided carveouts
  • Estate & Wills
  • Education Planning
  • Long Term Care

Together we will complete an advisory agreement and Investment Policy Statement as part of the process to define your personalized objectives and risk tolerance.  An Investment Policy Statement (IPS) is a document drafted between you (client) and me (advisor) that outlines the general rules.  This statement defines your general investment goals and objectives and describes the strategies that I will employ to help meet those goals and objectives.

403(b) Advisory Fees:

Advisory fees are billed quarterly at an annual rate of .70% (7 tenths of one percent) for managed assets under $1,000,000. For managed assets at and above $1,000,000 the annual advisory fee will be .50% (1/2 of one percent). A total maximum annual fee limit of $10,000 will apply per advisory relationship. There is no minimum asset level to establish adivosry services.

If you would like to have a conversation to discuss your situation please call or email me to schedule an appointment.  You can reach me by phone at 502.893.4584 or by email at jadkins@jlacapital.com.  I look forward to hearing from you.

 

*The university must allow the arrangement and the 403b provider must approve the advisor to use the platform.  The approval of an advisor is not an endorsement by the university or the 403b provider.