Emergency Savings

Emergency Savings

In 2017, 34% of American households experienced a major, unexpected expense – and only 39% of Americans said they would be able to cover even a $1,000 emergency. Every financial plan should start with an emergency savings – it’s the backbone, foundation, and buttress...
New 403(b) Rules Adopted by TRS

New 403(b) Rules Adopted by TRS

The Teacher Retirement System of Texas (TRS) was given authority by the Texas Legislature in 2001 to oversee 403(b) companies and products.  In our view, they have done an excellent job of fulfilling their responsibilities over the past 16 years while managing to...
Having trouble paying your Student Loans?

Having trouble paying your Student Loans?

When you’re struggling to pay other bills after graduation, it’s easy to forget that like all good things, that grace period on your student loans is coming to an end. If you can’t afford your scheduled payments, or even if you’ve fallen behind, there are several...
Educator Social Security Info

Educator Social Security Info

In this video, we’re going to discuss your Social Security benefit and how it relates to your TRS pension. First, it’s very important to understand that your TRS annuity is never reduced by Social Security. However, your TRS benefit may impact how much you...
Flash Market Commentary—February 2018

Flash Market Commentary—February 2018

By now, you may have noticed a recent wave of increased volatility and uncertainty in the markets. As to be expected after such a long bullish streak, the market has inevitably faced some downturn. We want to reassure you TCG Advisors prioritizes each client’s...