About Us
Meet the Expert Behind Your Protection
Charles Garrett
Retirement Education Specialist
Charles Garrett, aka “Mr. 403b,” is Retirement Education Specialist with a passion for educating individuals on how to take control of their financial future.
After fourteen years in the traditional K-12 educational setting – including time spent working abroad, Charles transitioned into a full time career in financial services with a goal to educate individuals on their financial options. Charles’ work experience and expertise allows him the unique ability to relate with educators and others in various industries.
Charles’ career brings together a drive for continued learning, a commitment to leadership, and an interest in providing individuals with personalized experiences that lead to desired outcomes.
Charles’ goal is to be a beacon of light for individuals looking to secure their financial future for themselves and their loved ones.
Our Mission
Our mission is to simplify retirement planning for everyday professionals.
We believe financial confidence begins with education, not confusion — and we’re here to make sure every teacher, nurse, and public servant knows their worth and their options.
Who We Serve
Educators and school employees
Non-profit and healthcare professionals
Government and public-sector workers
Families seeking to build tax-efficient wealth
Our Approach
Discover: We learn your goals, income, and benefit options.
Design: We customize a plan built around your timeline and comfort level.
Deliver: We walk you through setup and ongoing management — one step at a time.
As a Retirement Education Specialist and licensed life insurance agent, I assist educators in building long-term financial security. My work combines retirement education, financial consulting, and advocacy for teachers across school districts.
Want protection that can work for you now and later
Allows you to leave a meaningful legacy to children, grandchildren, your business, or a favorite charity
Helps your family cover debts, housing, education, and everyday expenses
Design a strategy that aligns with your retirement and legacy goals
Ready to explore life insurance with living benefits?
| ervice | Description |
|---|---|
| 403(b) & 457(b) Plans | We help you understand and optimize your employer-sponsored retirement accounts, ensuring your investments align with your long-term goals. |
| Traditional & Roth IRAs | Flexible retirement options for individuals seeking more control and tax-smart strategies outside of their employer plan. |
| Life Insurance with Living Benefits | Protect your family while having access to funds for critical illness, chronic care, or income replacement while you’re alive. |
| Income Planning | Create a reliable income stream you can’t outlive through annuities and smart withdrawal strategies. |
| Legacy & Estate Planning | Ensure your wealth transfers efficiently and meaningfully to the people and causes you love. |