• Coordinate 403(b), 457(b), pension, IRA, and other retirement assets within a unified retirement strategy
• Evaluate Traditional and Roth contribution options based on current and expected future tax circumstances
• Review investment allocations across multiple employer-sponsored retirement accounts
• Model pension income, retirement plan distributions, Social Security, and personal investments together

• Build and manage investment portfolios outside employer retirement plans
• Coordinate taxable, tax-deferred, and Roth accounts for greater tax efficiency
• Evaluate charitable giving, capital gains, tax-loss harvesting, and asset location strategies where appropriate
• Coordinate tax planning for supplemental and self-employment income with the client’s tax professional

• Model the financial impact of changing institutions, leaving academia, or moving into administration
• Evaluate pension eligibility, vesting, retirement accounts, and benefit changes before a career transition
• Plan for phased retirement, emeritus arrangements, or continued professional income after full-time employment
• Develop retirement income strategies around pensions, deferred compensation, Social Security, and investment assets

• Coordinate salary, summer compensation, consulting income, speaking fees, and other supplemental earnings
• Plan for sabbaticals, leaves, phased workloads, and other periods of changing income
• Maintain appropriate liquidity for taxes, major expenses, and periods of reduced compensation
• Integrate income from multiple institutions or professional activities into the broader financial plan

• Evaluate employer life, disability, health, and other available benefit programs
• Incorporate tuition remission or tuition assistance benefits into education and family planning
• Coordinate university benefits with coverage available through a spouse or other employer
• Evaluate individually owned life, disability, and long-term care insurance where additional protection is appropriate

• Review beneficiary designations, account ownership, and asset titling as circumstances change
• Coordinate retirement accounts and investment assets with the broader estate plan
• Develop charitable giving strategies for universities, foundations, and other philanthropic priorities
• Coordinate trusts, planned gifts, and other estate strategies with attorneys and tax professionals

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