For professionals with institutional benefits
Strong Benefits Deserve a Clear Strategy.
The benefits offered by colleges, universities, nonprofits, and area healthcare systems can be genuinely valuable, but they are not always simple. Between 403(b) and 457(b) plans, pensions, outside accounts, and tax considerations, it can be hard to see how everything works together.
At Kickstand Wealth Advisors, we help professionals with institutional benefits bring clarity to complex financial decisions with an advisor who takes the time to understand the full picture.
the challenge
You’ve Built the Savings. Now Comes the Strategy.
Many professionals across universities, nonprofits, and healthcare systems have done the right things. You have contributed consistently, used the benefits available to you, and built meaningful retirement assets over time.
But over time, accounts become scattered, statements get harder to interpret, and the most important decisions become more complex, often right when they matter most.
Multiple Moving Parts
403(b) and 457(b) plans, pensions, annuities, outside accounts, and old employer plans can create more complexity than expected.
Limited Time
When work and life are full, financial decisions are easy to postpone or address only when a deadline appears.
Unclear Decisions
Distribution timing, tax impact, pension elections, account coordination, and retirement income planning all need to work together.
Disconnected Guidance
You may have access to support, but that does not always mean every account, tax decision, and retirement goal is being reviewed as one coordinated plan.
From Complex to Clear
See How the Pieces Fit Together
What looks straightforward on the surface can be more layered underneath. Institutional benefits may include multiple retirement plans, pension choices, legacy products, and outside assets. Explore the pieces below to see where complexity often shows up and how a more coordinated approach brings the full picture into focus.
Click each piece to explore where complexity often shows up.
What do I actually own?
Contributions spread across plans and providers over the years can make it hard to see how each account is invested, and whether the pieces still make sense together.
our approach
Prepared Advice, Not Just Quick Answers
Complex decisions deserve more than a rushed conversation. Our approach is built around preparation, clarity, and long-term partnership.
A Typical Experience
Meetings can feel time-constrained
Advice may focus on the immediate question
Complex products may be difficult to explain clearly
You may work with different advisors over time
Decisions can feel disconnected from the larger plan
The Kickstand Approach
Detailed review before the conversation
Clear explanations of your options
Coordinated planning across accounts
Tax-aware retirement income strategy
A consistent team that knows your situation
What we help you do
Clarity first. Then a plan.
The goal is not to add more financial noise to an already full schedule. It is to help you understand what you have, which decisions matter most, and how each piece can support the life you are working toward.
Clarify Your Accounts
You may have multiple retirement accounts, old employer plans, annuity products, and outside investments that are hard to understand at a glance. We help identify what you own, how each piece works, and where complexity may be creating confusion or missed opportunities.
Coordinate Your Strategy
Your benefits, outside accounts, investments, tax picture, and retirement goals should not be viewed in isolation. We help connect the pieces into one coordinated strategy, so each decision supports the bigger picture.
Plan With Taxes in Mind
Retirement income decisions can affect more than monthly cash flow. We help evaluate withdrawal timing, account sequencing, Roth opportunities, and other tax-sensitive decisions with a long-term view.
Move Forward With Clear Next Steps
Clarity is only useful if it leads to action. We translate complex account structures and planning decisions into clear recommendations, practical next steps, and ongoing support from a team that understands your situation.
WHO WE HELP
Is This the Right Fit?
This page is designed for professionals across universities, nonprofits, and healthcare systems who have meaningful retirement savings, multiple moving parts, and a desire for advice that goes deeper than a quick conversation.
2
Forbes® Winners
50+
Are age 50 or older
$750K–$4M
Have this amount in investable assets
3+
Have multiple retirement accounts
1
Want one clear plan to bring clarity to their finances
Meet your Advisor
Ben Forte
Ben works with professionals who have built meaningful retirement assets but want more clarity around complex benefits, account structures, and long-term planning decisions.
With experience serving university and healthcare professionals, Ben understands how quickly retirement planning can become complicated, especially when multiple accounts, plan rules, tax decisions, and family goals all intersect.
