Summit Retirement Advisors

Three exciting updates here at Summit. First, we are adding an encrypted document vault so clients can store and transmit personal information securely.

Second, once planning is complete, clients will receive access to the software so they can build models and run what if scenarios in the future.

Third, we have begun searching for and hiring a staff CPA who will work in house so tax strategy, investment strategy, RMDs, Social Security planning, financial planning, and business planning remain aligned.

These changes are about strengthening how we serve and improving coordination across everything we do.

What makes you comfortable and what makes you money may not be the same.

Money is a tool. It will not bring happiness, but it can bring misery if handled poorly. Growth often happens outside your comfort zone, where outcomes are not guaranteed.

Learning to calculate risks, identify opportunities, and plan your next moves are skills that take intention. Losing can be a better teacher than winning when you are accountable, coachable, and focused on improving.

Comfort feels safe. Growth requires movement.

Early career faculty face financial decisions that quietly shape the rest of their academic careers.

Starting salaries are often lower than later stages, benefits can feel limited, and student loans frequently coexist with early retirement savings.

One of the most common questions new faculty ask is whether a 403(b) alone is enough.

A 403(b) is often a core retirement tool, but it rarely addresses the full picture by itself.

As compensation and benefits evolve, planning strategies should evolve with them.

Read the full article to understand how early career planning can support academic growth over time.

https://www.research-wealth.com/blog/financial-planning-assistant-professors-403b

Volatility can’t be timed, but it can be planned for.

Right now, U.S. markets are experiencing elevated and persistent volatility, causing anxiety for many investors.

The truth is, market temperament can shift without warning. That’s why stress testing your strategy is so important.

Just as you keep an emergency fund and contingency plan for life’s curveballs, you can prepare your investments for years of underperformance or even losses.

This isn’t about predicting the future, it’s about building a plan that works no matter what it throws at you.