For USU Faculty & Staff
Planning built around a career at Utah State.
TIAA, a URS pension, decades of retirement decisions, and a giving plan that reflects your values. We help USU faculty and staff turn a long career into a confident retirement.
What we hear from USU faculty
- You have a large TIAA balance and aren’t sure whether to annuitize, take the lump sum, or blend the two.
- You’ve accumulated fragmented accounts over a long tenure and want them working together.
- You’re weighing when to claim Social Security and how Medicare and IRMAA will affect your income.
- You want your charitable giving handled well, including QCDs and appreciated assets.
What we plan around
TIAA: annuity vs. lump sum
The single biggest decision for many faculty. We model the tradeoffs against your actual income needs, not a rule of thumb.
URS pension and gap years
Coordinating a pension, TIAA, and Social Security so the early retirement years are funded tax-efficiently.
Medicare, IRMAA, and income timing
Keeping income under the thresholds that quietly raise your Medicare premiums.
Estate and charitable giving
QCDs, donor-advised funds, and appreciated-asset gifts that do more with the same dollars.
The Adams Wealth Plan™
A disciplined process, built around you.
Planning isn’t a one-time event. It’s an ongoing relationship that adapts as your life and the markets change. Explore each step below.
Why USU faculty work with us
We manage money in-house and sit alongside advisors who understand the USU and TIAA world specifically. You get evidence-led planning from a team that has done this many times, not a generic retirement template.
A good advisor takes the emotion out of investment decisions.
Let’s look at your plan together.
A no-obligation review of your TIAA, pension, and retirement income plan. Fee-only, and local to Cache Valley.