Author Archives: Sarah Smalley

MSA: LIVE FINANCIAL FORUMS

Win a $25 Gift Card!

Attend any event and give MSA a 👍 (like) on FACEBOOK to get entered into the $25 raffle.

Winners contacted via email.

Tuesday, September 10th 12:00 pm -1:00 pm EDT or 3:00 pm – 4:00 EDT
Why should estate planning be on your to-do list? How do you even get started? Join our webinar to learn about the steps involved and how you can use estate planning to care for your loved ones. Register on line.

Thursday, September 26th 12:00 pm -1:00 pm EDT or 3:00 pm – 4:00 EDT
Whether college is soon or far in the future, we’ll help you get better prepared to fund your savings goals as we review scholarships, grants, college savings accounts, loans, and the FAFSA. Register on line

Register Now for TIAA’s September Live Webinars

Special Topic: 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).
September 12 at 3 p.m. (ET)

Special Topic: Asset Location—A practical guide for income and estate planning

We often think about our investments in terms of how much we should invest in stocks or bonds or other investments so that we can achieve the greatest return according to our own risk tolerance, goals and time frame. Equally as important is where those assets are located to maximize the benefits of different account types—usually to minimize taxes. Learn about how the location of your assets may impact your retirement income and your beneficiaries.
September 17 at 12 p.m. (ET)

She’s Got It: A woman’s guide to saving and investing

You can discover saving and investing strategies developed especially for women and how you can put them into action.
September 17 at 3 p.m. (ET)

Money at Work 2: Sharpening investment skills

Feel more secure in your savings strategy by verifying you’re on the right track. And if you’re off track, know what adjustments you need to make. Learn how to plan your investments and hold on to as much of your nest egg as possible.
September 18 at 12 p.m. (ET)

The Starting Line: Beginning to save for retirement

You can learn how to evaluate and manage debt, find additional ways to save, create a budget and begin to plan for retirement.
September 18 at 3 p.m. (ET)

Special Topic: An Introduction to Alternative Investments—Real Estate

Learn about the role of real estate investments in a retirement portfolio and an introduction to the TIAA Real Estate Account.
September 19 at 12 p.m. (ET)

Healthy Numbers: Integrating healthcare into your retirement plan

You can learn and plan for the cost of healthcare in retirement, including supplemental insurance, and the real benefits and costs of Medicare.
September 19 at 3 p.m. (ET)

TIAA 2019 FEE DISCLOSURE EMAIL(S)

TIAA is scheduled to deliver important information about your retirement plan(s) via email and we are writing to remind you that the message may be diverted to your Clutter box. As you may already know, with Clutter, the email server keeps track of the email you read and the ones you don’t. Once you turn it on,  as new email comes in, it takes messages you’re most likely to ignore and puts them into the “Clutter” folder. In order to efficiently provide employees with accurate and up-to-date information and to remain compliant with our annual participant fee disclosure responsibilities regulated by the Department of Labor, we ask that you follow the following steps:

  1. You can turn Clutter off (or)
  2. You can “train” clutter that TIAA emails are not clutter.

To “train” your Clutter, look in the Clutter folder and drag the TIAA email from your Clutter folder to your Inbox. Moving an email in or out of the Clutter folder from any of your devices is enough to give the signal to the Clutter system that an item from TIAA is or isn’t Clutter.

TIAA August Webinars

  • This August TIAA is offering 7 informative live webinars covering a wide variety of topics, including: a retirement checkpoint, market-proof your retirement, a woman’s guide to saving and investing, demystifying insurance, strategies for staying on track, and transitioning to retirement Read more….

Register for any of TIAA’s August 2019 live webinars by visiting www.TIAA.org/webinars.

Special Topic: All about IRAs:  August 13 at 12 p.m. (ET)

You can learn the facts on IRAs, how an IRA may help you meet your retirement savings goals and which one may be right for you.

Halfway There: A retirement checkpoint:  August 13 at 3 p.m. (ET)

Give yourself a mid-career financial checkup to evaluate your current savings, formulate a plan to help pursue your savings goals and manage competing financial priorities.

Special Topic: Market-proof your retirement*:  August 14 at 12 p.m. (ET)

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).**

Postcards from the Future: A woman’s guide to saving and investing: August 14 at 3 p.m. (ET)

Fewer years in the workforce. Longer life spans. Women saving for retirement face unique challenges. You can learn what it takes to overcome these challenges and help make your retirement dreams come true on schedule.

Special Topic: Demystifying life insurance:  August 15 at 12 p.m. (ET)

Life insurance can play a critical role in your financial plan. You can learn how much you may need, what types exist, how much you can afford and much more.

Special Topic: Strategies for staying on track: August 15 at 3 p.m. (ET)

No matter how much or how little money you can save for retirement, it’s important that you start now and stay invested for your future. You can learn how taking smart financial steps today may help lead you to a solid financial future after you’ve stopped working.

Within Reach: Transitioning from career to retirement: August 19 at 3 p.m. (ET)

You can plan ahead to help make the most out of your retirement—from paying yourself to allowing for taxes, healthcare and estate planning wishes.

Want help?  It’s quick.  It’s easy.  It matters. And it’s at no cost to you!

Visit www.TIAA.org/webinars to register.

TIAA July Webinars

This July TIAA is offering 7 informative live webinars covering a wide variety of topics, including: social security strategies for married couples, financial guidance for women, saving for retirement, investing, and more.  Click on the “Read More” link below to see the full event listing as well as registration details.   Read more….

Register for any of TIAA’s July 2019 live webinars by visiting www.TIAA.org/webinars.

Special Topic: Social Security strategies for married couples July 16 at 12 p.m. (ET)

Married couples can take advantage of some strategies that may help to increase lifetime Social Security benefits. You can learn the basics about spousal benefits, understand the many variables involved in claiming strategies and how married couples can boost their benefits by coordinating the timing of their claims.

Charting Your Course: A financial guide for women July 16 at 3 p.m. (ET)

Women can face unique financial challenges. You can discover tailored approaches to saving for retirement and tips to make your money work hard.

Tomorrow in Focus: Saving for your ideal retirement July 17 at 12 p.m. (ET)

Find out how retirement savings, planning and the real benefit of time are essential features of retirement investments.

Money at Work 1: Foundations of Investing July 17 at 3 p.m. (ET)

Discover how you can manage risk versus reward, as well as understand the role of investing and managing risks, ways to help accelerate savings and tools that can help sustain a portfolio.

Special Topic: Quarterly economic and market update July 18 at 12 p.m. (ET)

TIAA’s Chief Investment Strategist will discuss economic and market developments that may impact your retirement savings strategy.

Debt consolidation and understanding the mortgage process July 18 at 3 p.m. (ET)

Discover how to manage and consolidate debt, and get a primer to help make the mortgage process easier to navigate.

Planning for Retirement: The Why, What, and How July 23rd, 12 p.m. to 1 p.m. (ET)

Join us for a webinar discussing the challenges and risks people face in retirement, and

how good planning can address them.

Want help?  It’s quick.  It’s easy.  It matters. And it’s at no cost to you!

Visit www.TIAA.org/webinars to register.

Dreaming of Retirement

  • Live Financial Forum

Dreaming of Retirement | July 9, 2019 | 9:00 AM (PST) & 12:00 PM (PST) | Register Here.

Many people can’t wait for retirement, yet they haven’t actually run the numbers for their ideal retirement lifestyle budget. The first step is calculating your current lifestyle costs and projecting how your monthly budget will change when you retire. This class helps you assess whether you are on track with your savings to sustain your retirement budget, and we’ll offer a wide range of considerations to help you formalize a realistic retirement plan.

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?

When it comes to our finances, we always wonder if we are making the right moves, and searching for answers can feel overwhelming.

Middlebury College provides all employees access to financial well-being thru My Secure Advantage (MSA).

MSA helps you make the most of your hard-earned dollars!  When it comes to living a financially stress-free life, every decision you make adds up.  Through MSA, employees and their covered dependents can work with a personal Money Coach and utilize website services to make financial stress a thing of the past.

What’s Included

  • 90 days (per calendar year) of personalized money coaching with a personal, confidential, unbiased, and guilt free Money Coach.  Coaches don’t sell products or services: their only job is to provide expert guidance and improve your financial life.
  • Guidance on financial topics, goals, challenges, or questions.  Whether you’re getting by, digging out, or saving big, connecting with a Money Coach to discuss options, identify things to consider, and build out a plan can only help

Work with MSA to tackle questions like “Should I be saving more or paying down debt?” “When will I be able to retire, and how much do I need?” “What type of portfolio is best for me?” “How do I balance enjoying life now with saving for the future?” and more.

  • Online tools include videos, calculators, articles, and budgeting software to help you stress less and save more.

Questions?  Learn more about MSA here. To get started, sign up, and schedule your first appointment with a Money Coach call 888-724-2326.

June TIAA Webinars

  • This June TIAA is offering 6 informative live webinars covering a wide variety of topics, including: financial planning for the LGBT community, market proofing your retirement, income options in retirement, investing for women, market volatility, as well as managing income and debt. Read More…

Start the summer with live webinars that can help you improve your financial knowledge. Reserve your spot today. Register for any of TIAA’s June 2019 live webinars by visiting www.TIAA.org/webinars.

Special Topic: Equally Prepared—Financial planning for the LGBT community June 11 at 12 p.m. (ET)

You can learn about the specific challenges faced by the LGBT community—both financial and legislative even with the U.S. Supreme Court’s marriage equality ruling—and potential solutions to address them.

Special Topic: Market-proof your retirement June 11 at 3 p.m. (ET)

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).

Paying Yourself: Income options in retirement June 12 at 12 p.m. (ET)

You can learn the rules that govern retirement assets and find out when to consider using different income sources.

Start to Finish: The early career woman’s guide to financial wisdom June 12 at 3 p.m. (ET)

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.

Special Topic: How smart investors ride out market volatility June 13 at 12 p.m. (ET)

What’s the best way to handle market ups and downs? TIAA offers best practices and actionable steps to help investors steer through stormy markets while remaining on to help stay on the path to financial security.

Inside Money: Managing income and debt June 13 at 3 p.m. (ET)

Discover how to help make your money work harder by using your cash flow more effectively, developing good saving habits and better managing debt.

Want help?  It’s quick.  It’s easy.  It matters. And it’s at no cost to you!

Visit www.TIAA.org/webinars to register.