The Filbrandt Advantage Why Choose Filbrandt & Company? Universities provide generous benefit plans to their faculty. However, it is the responsibility of each individual professor to manage his or her own investments and make important financial decisions. Financial planning has many components that need to be carefully considered: INVESTMENT MANAGEMENT RETIREMENT INCOME PLANNING RETIREMENT CONTRIBUTION PLANNING TAX PLANNING HEALTH INSURANCE PLANNING LONG-TERM HEALTH CARE PLANNING SOCIAL SECURITY PLANNING ESTATE AND GIFTING PLANNING RISK MANAGEMENT BUDGETING A balanced and comprehensive approach to planning is necessary if you want to effectively create a financial strategy. Yet, there is no standard resource available to university employees that can provide an all-encompassing solution while keeping clients’ best interests first. The University Benefits Office—cannot give specific personal advice due to unwanted liability and limited resources. The Retirement Plan Vendors—are focused on their own company and products. Vendors are restricted to their proprietary financial products and can only advise on assets to which they custody. Outside Investment Brokerage Firms—are focused on their own company and products. Vendors are restricted to their proprietary financial products and can only advise on assets to which they custody. They are compensated by commissions on the sales of products, transactions, and the custody of assets. Asset Management Firms—only focus on portfolio management and the custody of assets. Therefore, they do not offer retirement planning, estate planning, etc. Many cannot manage assets located in university retirement plans; they must roll the money out (an expensive process for you). WHO CAN UNIVERSITY PROFESSIONALS CONSULT FOR FINANCIAL HELP? Filbrandt & Company is uniquely positioned to offer university faculty the best total solution through unbiased, comprehensive financial planning at the highest fiduciary standard. WHAT MAKES OUR SERVICE UNIQUE? We can begin advising professors well before they retire, allowing time to make adjustments that can contribute to successful retirement. Our position helps clients make better decisions and take full advantage of the great university benefits being offered. With no motivation to roll university assets out of the university retirement plans, our clients can leave their money within the low-cost environment of the university. We are able to work with multiple custodians (TIAA-CREF, Fidelity, etc.), allowing professors to take advantage of multiple vendors in the retirement plan and still receive comprehensive advice. In addition, with permission from the university, our fees can be debited directly from the university retirement plan assets on a tax-free basis. This results in significant savings and makes our important service affordable and stress-free. We organize and simplify clients’ financial lives by providing a digital consolidated statement into One Unified Portfolio©. Ask a question or contact us to schedule a meeting now.