Planning for the way universities pay and retire their faculty.
Decades of fluency with TIAA, Fidelity, 403(b), 457, and 401(a) plans — the benefit structures that confuse most generalists. We help faculty pull the right levers at the right time across a long career.
Most faculty hold several plans at once.
Each plan has its own contribution limits, withdrawal rules and investment menu. We coordinate them as one portfolio.
403(b)
The core retirement plan at most universities, often with an employer match.
457(b)
An additional plan with its own contribution limit and different withdrawal rules.
401(a)
Employer-funded plans, sometimes mandatory, with vesting schedules to track.
TIAA & Fidelity
Annuity options, legacy contracts and platform-specific rules.
The decisions that matter most.
- 01
Tenure
Increasing contributions and setting a long-term allocation.
- 02
Sabbatical
Keeping savings and benefits on track during leave.
- 03
Phased retirement
Timing reduced appointments, income and benefits.
- 04
Retirement
Turning several plans into one reliable income.
Know what to ask before you decide.
Which retirement plans am I eligible for, and does the university match?
Many faculty miss a 457(b) or a match they qualify for. Ask for a list of every plan and the employer contribution for each.
Is my 457(b) governmental or non-governmental?
The answer changes what happens when you leave the university and whether you can roll the balance into another plan.
What is the vesting schedule for employer contributions?
Leaving before you're vested can mean giving up part of your employer's contributions.
What phased retirement options are available?
Ask how a reduced appointment affects salary, contributions, health coverage and pension calculations.
How does a sabbatical affect my contributions and benefits?
Some plans pause employer contributions during unpaid leave. Knowing in advance lets you plan around it.
What retiree health coverage is available, and when do I qualify?
Eligibility often depends on age and years of service, and can be a deciding factor in when to retire.
Andrea DardenFounder and CEO
Dave McNeelyChief Investment and Financial Strategist
Mark MinderDirector of Business Strategies and Advanced Planning
Hylan MoisesPrivate Markets StrategistDarden Wealth Group is a registered investment adviser. Darden Wealth Group does not provide legal, tax, or accounting advice. See our Disclosures and Form CRS.
See if we're a fit.
Answer a few short questions about your family and finances. You'll get a recommendation and can book a time with the right advisor.