If you work at UGA, your retirement picture is more complicated than most. You may have a TIAA account, a defined benefit pension through TRS of Georgia, or both. You might have extra income from consulting, grants, or a side business. Those pieces don't automatically work together.

We help UGA faculty and staff think through:

• How your TRS pension fits into your overall retirement income plan
• Whether your TIAA allocation still makes sense as you get closer to retirement
• How consulting or extra income affects your tax situation each year
• Coordinating your retirement timing with your spouse's financial picture

Athens is home to Piedmont Athens Regional, one of the county’s largest hospitals. If you're a physician, nurse, or healthcare employee, you're likely dealing with high income, limited time, and a retirement plan that may not be keeping pace.

We work with medical professionals who want to:

• Build a plan that keeps up with a demanding career and income that varies year to year
• Reduce what they owe in taxes without doing it themselves
• Think through the financial side of owning or exiting a practice

Many people approaching retirement in Athens have spent their careers building something, and they want the next chapter to reflect that. Giving back to the university, supporting local organizations, or leaving something meaningful behind for family are all part of the picture. The question is how to do this in a tax-efficient way.

We help charitably inclined pre-retirees think through:

• Using qualified charitable distributions (QCDs) from your IRA to give tax-efficiently once you reach age 70½
• Whether a donor-advised fund makes sense for bunching contributions and managing your deduction timing
• How charitable giving fits into your broader withdrawal strategy and estate plan
• Coordinating gifts of appreciated stock or other assets to avoid unnecessary capital gains