CHAPTER 9: A Note About Everything I Left Out

I haven’t covered everything in terms of retirement, and I didn’t even scratch the surface of investments. Whether on your own before you are 59.5, or if you are approaching retirement, you should know there are virtually unlimited options for investing that were not mentioned here; investments such as commodities, real estate, REITS, crowd funded investments. You name it, you can buy it. None of those investments are mentioned in this book.

What I tried to do here was give you a brief summary of what I’ ve learned working with approximately 20 new district and upper education employees per week, 50 or so weeks a year, for multiple years. Yes, I have my opinions, they are an unavoidable part of being human. But I take fiduciary responsibility very seriously, and I feel that unscrupulous sales practices and just plain lack of information about plans and products is a giant failing in the public employee space.

I’ m here to say it’ s not your fault. I tell my clients this all the time. I would have a hard time doing your job for a day, let alone 30-plus years, and I wouldn’t expect you to understand mine from a 15-minute conversation with a 403(b) Rep named Cliff in a breakroom. What I do know is many of the state pension systems have valuable information on their websites, and the reps who work the phones are knowledgeable and there to serve

you. Your contributions pay for their services, so you should never feel embarrassed to reach out to them and ask your questions, nor should you feel uncomfortable calling your 403(b) or other plan providers and asking them about fees, rates, caps, and really anything else you don’t understand.

A Shiny New Apple

I’ ve been wanting to write this short book for several years, but I’ m happy that I didn’t write it until now, as my knowledge base continues to grow with every new person I see or speak to on the phone. I’ m not some fast-talking, slick, financial salesperson trying to fit your needs into a predetermined solution. Your needs are highly individual, and your solutions should be as well.

At heart I’ m an Italian American girl from New Jersey, which obviously means I love food, but more than that it means I love family. I consider you to be part of my family and I would like you to be treated as such. I think you should have an apple on your desk every day and you deserve sound advice while working, and damn, when your time comes, you deserve to retire with dignity.

From the bottom of my heart, I thank you for your tireless devotion to our children and to our world.

Gianna Campo and the PRES Financial (Public Retirement Exit Solutions) Family

PRES Financial is located in Wellington Florida and co-founded by Gianna Campo and Ed Orell. We offer live and virtual retirement

advice in all 50 states and have financial representatives available in English and Spanish. We are a financial services firm offering retirement planning services using insurance products.

To Contact PRES Financial: Phone: 877-216-9573 Email: info@presfinancial.com Website: https://www.presfinancial.com/

Gianna Campo is an Investment Advisor Representative offering advisory services through Verity Asset Management, A Registered Investment Advisor. Verity Asset Management and PRES Financial are not affiliated companies. Nothing in this publication is an offer to buy or sell securities.

Financial Advisors do not provide specific tax/legal advice and this information should not be considered as such. You should always consult your tax/legal advisor regarding your own specific tax/legal situation. We are not affiliated with any US, state or local government or Teacher’ s association.

Investing involves risk, including possible loss of principal. Insurance and annuity guarantees are backed by the financial strength and claims-paying ability of the issuing company.

Annuities and Life insurance products contain fees, such as mortality and expense charges (which may increase over time), and may contain restrictions, such as surrender periods.