Some things are just out of our control, like pension reform. But, other things are completely in our control, like planning for retirement. Since pension reform has been given a reprieve, maybe it’s time to figure out how to maximize your future PSERS retirement benefits. It takes time to determine what option to choose and how to structure the lump sum with other investments (i.e. 403(b)’s), if you are going to make smart retirement decisions. Income tax management, estate planning, insurance planning are all additional areas that teachers may want to evaluate before submitting a retirement application. We are here to provide these services as fiduciaries in a fee-only environment. Come check us out – there is no time like the present!