The Texas Retirement System for Teachers is the largest public retirement system in our great state of Texas. Guiding more than 1.8 million Texas residents into retirement, it provides educators with pensions and health care. At Campos Wealth Management, we can not only help you understand your benefits as an educator in TRS, but we can help you take advantage of them. We also understand the problems with TRS, like solvency and lack of COLA. Your pension figures to be one of the key elements of funding your retirement, and we can assist you with planning in conjunction with other forms of retirement income, like Social Security and your 403(b). We can also help you plan for the event that those retirement accounts just don’t cut it by advising and teaching you about alternative retirement options.

Today’s permanent life insurance and annuity options are completely different than in the past, offering living benefits in retirement with the potential for growth, lifetime retirement income and protection from stock market downturns. Other optional coverages can kick in if you want to make sure your spouse, heirs or favorite charity receive a death benefit—tax-free in most cases. Yet other new policies offer coverage if you need long-term care at some point but provide other benefits if you don’t. Depending on your unique situation and goals, we analyze hundreds of policies from multiple carriers to find the right retirement strategies for you.

After you have saved money your entire working career, it can be challenging to stop work in retirement and begin using your savings for monthly income and living expenses. How much should you withdraw, and from which accounts? How can you be sure you won’t run out of money now that you are retired and have no income coming in? Campos Wealth Management has developed specific strategies to help you generate reliable monthly income in retirement using the assets you have saved, helping ensure you will not run out of retirement income no matter how long you live.

Owing money is scary, and with the average American climbing a mountain of debt, sometimes it can be difficult to see the peak. Though the thought of owed money might live in the back of your head, it’s important to know that you’re not alone, and you never will be. Campos Wealth Management specializes in planning how you can attack your debt head on. When you feel like you’re under water, we work with you to assess your budget, your income level and your tolerance for risk to find the best, quickest and easiest paths back to the surface.

What are your financial goals? At Campos Wealth Management, we believe it’s important to have goals, and we don’t see a reason why they shouldn’t be lofty. Whatever those goals are, we can help you reach them. If you are unsure what goals you have and which direction you should be going, we can use our first meeting to set a course for success. It’s our job at Campos Wealth Management to be your compass, keeping you focused and driven toward your goals. With the right amount of motivation and the proper planning, we can keep you and your family on track for a long, successful career and a happy, relaxing retirement.

It’s important to have a budget. Campos Wealth Management can help analyze your income versus expenses to determine how much you should be spending and saving, because the two are equally important. We can also help you incorporate retirement planning into your budget, because your pension and/or Social Security may not be enough when it comes to funding your retirement by themselves. With proper planning, you can create additional retirement income sources. We can help you by weighing your necessary expenditures with your income, then determining how much you can use to invest in your future.

Your retirement accounts can dictate how comfortable your life is once you decide to call it a career. Campos Wealth Management can help you assess and potentially roll over some of those accounts into other options that you own—instead of your former employer—which may help you build cash value faster and/or increase your income in retirement.