Author Archives: Sarah Smalley

Dreaming of Retirement MSA Webinar

July 14, 2020 | 9:00 AM (PST) & 12:00 PM (PST) 
 Register Here.



Many people can’t wait for retirement, yet they haven’t considered how they will sustain their ideal retirement lifestyle. To be confident in the amount of retirement income that you need, you should first estimate the difference in cost between your current lifestyle and the retirement lifestyle you dream about. In this class, we provide tools to help you estimate that difference. We’ll also offer a wide range of considerations to help you formalize a realistic retirement plan to help make your retirement dream a reality.

Note:  If you register and cannot attend, a recording of the webinar, along with a copy of the session presentation and handouts, will automatically be sent within 24 hours.

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You work hard for your money, but is your money working hard for you?

Middlebury College provides employees and their families a comprehensive financial wellness benefit thru My Secure Advantage (MSA).  By connecting with a personal Money Coach and taking advantage of a wide variety of online financial resources, you can build a stronger and more secure future no matter where you are in your financial journey. 

Confidential Money Coaching

You and your family can access your own unbiased, guilt-free Coach for 90 days (every year).  Coaching occurs in ongoing (30-minute) confidential telephonic-sessions and is provided by experienced, certified financial professionals, who have nothing to sell.  Their only job is to help you improve your financial life and empower you to reach your goals.  Whether it’s paying down debt, buying a home, caring for aging parents or planning retirement, your personal Coach can assist with identifying issues, discussing options, and creating an achievable action plan.

24/7 Secure Website

MSA’s website offers year-round access to online video courses, articles, calculators, its proprietary budgeting tool “Wallet”, legal forms and more.  Start by taking a quick self-assessment to pinpoint your financial goals and get actionable next steps. 

Questions?  Learn more about MSA here. To get started call 888-724-2326.

TIAA Virtual Financial Consulting.

No matter where you are in life—just getting started or planning for retirement—a session with a financial consultant can help you create a plan for your goals. And, it’s at no additional cost as a part of your retirement plan. You’ll get answers to these questions and more:
* Am I invested in the right mix of investments to help meet my goals?
* Am I saving enough to create the retirement income I need?
* How do I take income from my retirement account once I stop working?
Register for one of the sessions at www.TIAA.org/schedulenow.
Date Time Location
Friday, June 5, 2020 10 a.m. – 4 p.m. Virtual Meeting
Monday, June 15, 2020 10 a.m. – 4 p.m. Virtual Meeting
Tuesday, July 14, 2020 10 a.m. – 4 p.m. Virtual Meeting
Thursday, July 16, 2020 10 a.m. – 4 p.m. Virtual Meeting
Tuesday, August 18, 2020 10 a.m. – 4 p.m. Virtual Meeting
Thursday, August 20, 2020 10 a.m. – 4 p.m. Virtual Meeting

RSVP today, as space
is limited. Register by visiting
www.TIAA.org/schedulenow
or calling 800-732-8353,
weekdays, 8 a.m. to 8 p.m. (ET).

MiddPoints 2020-04-29 15:25:54


Schedule online

Estate planning basics
Ensuring that our assets will pass to loved ones and causes that are near and dear is important to most of us. Discover the components of a basic estate plan and strategies to ensure that your wishes are met.
May 12 at 12 p.m. (ET)


Start to Finish: The early career woman’s guide to financial wisdom
When women are starting their careers, there’s a lot to consider—career goals,job satisfaction, achieving a work/life balance. But it’s important to also consider retirement. Discover how establishing a plan now can help establish your financial future.
May 12 at 3 p.m. (ET)


Market proof your retirement*
In retirement—and the years leading up to it—protecting your savings becomes just as important as growing it. Join us to learn how to create your own personal pension with TIAA Traditional, offered by Teachers Insurance and Annuity Association of America (TIAA).**
May 13 at 12 p.m. (ET)


Paying Yourself: Income options in retirement
Learn the rules that govern retirement assets and find out when to consider using different income sources.
May 13 at 3 p.m. (ET)


The 411 on 529 college savings plans
Learn how 529 college savings plans work and how to invest in one for a child,grandchild, yourself or other loved one.
May 14 at 12 p.m. (ET)

MiddPoints 2020-04-29 15:25:39

We know that there is a lot of uncertainty in the world
today. And just as we have for more than 100 years, TIAA
is here to help you.
You can access virtual counseling by phone or on any device, and get
advice and education about your retirement savings, managing debt
and your investment strategy. Both are highly secure and private.
Take advantage of advice and education
When you meet virtually with a financial consultant, you’ll get answers
to these questions:
* Am I saving enough?

* Should I change or balance my investment strategy?
*Am I on track to meet my retirement goals?
Financial advice is available as part of your retirement plan at no
additional cost. Take advantage and schedule a virtual counseling
session today.

Schedule an Appointment

The CARES Act JUST MADE HSAs MORE POWERFUL

In late March, the largest stimulus bill in history, the Coronavirus Aid, Relief, and Economic Safety Act (known as the CARES Act) was signed into law. The legislation includes several provisions that will make a major impact on those with health savings accounts (HSAs), flexible spending accounts (FSAs) and health reimbursement arrangements (HRAs).

HSA-qualified plans can now cover telemedicine prior to meeting deductible.

Effective March 27, 2020, high-deductible health plans (HDHPs) are permitted to cover telemedicine and remote care services before an HSA participant meets their deductible—or at reduced or no cost-sharing. Previously HSA-qualified health plans could only cover preventive medical expenses prior to participants meeting their deductible. Now HDHPs can cover telemedicine services in the same way they cover preventive care services without interrupting a participant’s HSA eligibility.
The provision is temporary and expires December 31, 2021.

Rx not required to get reimbursed for
over-the counter medicine.


The CARES Act repeals the prescription requirement for over-the-counter drug reimbursement. Participants no longer need to see a physician in order use tax-free HSA, HRA and FSA dollars for things like aches, pains and upset stomachs. Expenses can be covered through reimbursement until HSA debit card systems are updated with these change.

Menstrual care products now qualify
for reimbursement.

The CARES Act adds items such as tampons, pads, liners, cups, and sponges as qualified medical expenses. Prior to the CARES Act, menstrual care products were not considered qualified medical expenses under the rules of tax-advantaged accounts. Now participants can use tax-free HSA, HRA and FSA dollars to buy these important necessities. Expenses can be covered through reimbursement until HSA debit card systems are updated with these change.

A TIAA Financial Essentials webinar

Quarterly economic and market update
This quarter, Brian Nick, Chief Investment Strategist, Nuveen, will be joined by TIAA’s Chief
Financial Planning Strategist, Dan Keady.
Together they will share views on the financial markets, including the impact the health crisis is
having on the U.S. economy, policy and investing in public markets. They will also cover the
challenges that investors face and strategies to navigate them.
Space is limited. Register today. Three live sessions: Wednesday, April 15, 12 p.m. to 1 p.m. (ET),
Friday, April 17, 12:30 p.m. to 1:30 p.m. (ET) or Monday, April 20, 3:30 p.m. to 4:30 p.m. (ET).

Visit TIAA.org/webinars to register.

Sign up for a virtual financial counseling session

We know that there is a lot of uncertainty in the world
today. And just as we have for more than 100 years, TIAA
is here to help you.
You can access virtual counseling by phone or on any device, and get
advice and education about your retirement savings, managing debt
and your investment strategy. Both are highly secure and private.
Take advantage of advice and education
When you meet virtually with a financial consultant, you’ll get answers
to these questions:
Am I saving enough?
Should I change or re-balance my investment strategy?
Am I on track to meet my retirement goals?
Financial advice is available as part of your retirement plan at no
additional cost. Take advantage and schedule a virtual counseling
session today.
MAKE AN APPOINTMENT