We have partnered with Educational Retirement Advisors to give every staff member and their families access to FREE independent retirement planners.
We are Dedicated to Helping You Plan Your Retirement
The average cost of a complete retirement plan is over $2,000 from a fee-based planner. Our non-profit -Educational Retirement Advisors is committed to giving every employee, spouse or family member of Lakota Local School System a comprehensive plan for FREE.
You Have Questions? We Have Answers!
How does my pension plan work (STRS, SERS, OPERS)?
Is there an optimal retirement age?
How do my other retirement investments affect my ability to retire?
Should I invest in a 403(b) or a 457 plan?
How do I maximize my pension plan?
How will the windfall provision affect my Social Security Payments?
How do my spouse’s retirement savings affect our household retirement plan?
Is my plan equipped to cover long-term care if we need it?
Is there an optimal retirement portfolio strategy for me at my age and risk tolerance?
How will inflation, taxes, market fluctuations, and other factors affect my plan?
How does life insurance factor into my retirement plan?
How does Medicare work and what if I retire before age 65?
Lakota’s Dedicated Retirement Planning Team
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Justin Carras
Originally from Charlotte North Carolina, Justin graduated from Queens University of Charlotte with a Bachelor’s Degree in Business Administration and a Pre-Law Minor. Post-graduation, Justin began his finance career with Vanguard’s Business Development Group and developed a passion for helping families meet and exceed their financial goals.
Justin’s diverse background helps him create custom plans for each client. With over 10 years of experience, Justin has led financial education sessions for some of the largest fortune 500 companies and managed substantial equity portfolios. He takes a comprehensive planning approach while educating each client and their family during every step of the process. Justin is a Chartered Retirement Plan Specialist (CRPS), Chartered Retirement Plan Counselor (CRPC), Registered Investment Advisor and holds his Life and Health Insurance Licenses, so no matter the goal, he has the experience and knowledge to make it attainable.
Justin believes that financial planning should not be a mystery and works with each client to build a successful plan while focusing on the importance of financial education.
Education & Certifications
B.A. from Queens University of Charlotte – Charlotte, North Carolina
Chartered Retirement Plan Specialist from The College of Financial Planning
Chartered Retirement Plan Counselor from The College of Financial Planning
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Terry S. Mulhern
Terry brings over 18 years of financial service and insurance industry experience to every client. Terry holds an RICP (Retirement Income Certified Professional) designation of which only 7.5% of all financial planners hold. Terry is the author of the top selling book Retirement: Congratulations You Have Been Promoted to CEO
Having the RICP designation means Terry has specialized education in retirement income, and is committed to professional and ethical best practices. Typically, financial advisors are trained to help clients accumulate wealth. But what happens in retirement? Clients need to ensure that the wealth they’ve spent decades building will last through retirement and beyond.
Every individual and family are unique with specific goals around their financial future. There is no “cookie-cutter” solution to meet your goals. That is why Terry gets to know every client personally, so that he can build a customized solution to fit your specific goals.
Education & Certifications
B.S.B.A. from John Carroll University with a major in Finance - Cleveland, Ohio
M.B.A. from Case Western Reserve University concentrating in Finance - Cleveland, Ohio
Retirement Iincome Certified Professional from The American College of Financial Services
Tax-Exempt & Government Plan Consultant from The National Tax-Deferred Savings Association
