For University of Rochester Professionals
From Multiple Accounts to One Coordinated Strategy
Your retirement benefits can be powerful, but they are not always simple. Between 403(b) accounts, pension decisions, 457(b) options, outside investments, and tax considerations, it can be difficult to see how everything works together.
At Kickstand Wealth Advisors, we help University of Rochester professionals 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 university professionals have done the right things. You have contributed consistently, built meaningful retirement assets, and taken advantage of the benefits available to you.
But over time, accounts become fragmented, statements get harder to interpret, and the most important decisions become more complex, often right when they matter most.
Multiple Moving Parts
403(b), 457(b), pensions, annuities, outside accounts, and old employer plans can create more complexity than expected.
Limited Time
When your career is demanding, financial decisions are easy to postpone or address only when a deadline appears.
Unclear Decisions
Distribution timing, tax impact, 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 together.
From Complex to Clear
See How the Pieces Fit Together
What looks simple on the surface can be more layered underneath. University retirement benefits often involve multiple accounts, plan rules, legacy products, and outside assets. Explore the pieces below to see where complexity often shows up and how a more coordinated approach can bring the full picture into focus.
Click each piece to explore where complexity often shows up.
What do I actually own?
Contributions spread across providers over the years can make it difficult 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
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
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 overwhelm you with more financial noise. It is to help you understand what you have, what 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 difficult to understand at a glance. We help you identify what you own, how each piece works, and where complexity may be creating confusion or missed opportunities.
Coordinate Your Strategy
Your university 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 your 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 helpful 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 University of Rochester professionals who have meaningful retirement savings, multiple moving parts, and a desire for advice that goes deeper than a quick conversation. A good fit may include professionals who:
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.
