Retirement Planning for Healthcare & University Professionals
You’ve spent your career mastering your craft. Let’s bring the same care to your retirement.
We help physicians, nurses, faculty and staff across the University of Rochester, UR Medicine and Rochester Regional Health coordinate 403(b) and 457(b) savings, pension decisions and Social Security timing into one retirement plan.
How Should Healthcare and University Professionals Plan for Retirement?
A retirement picture at a university or a teaching hospital looks little like one in the private sector. Benefit packages are layered, 403(b) and 457(b) plans each carry their own choices, and for some clients a pension decision sits alongside both. The harder questions arrive near the end: when to begin drawing income, how Social Security timing fits with your 403(b) and other savings, and how to manage tax exposure over the span of your retirement rather than one year at a time. Provider choices matter too, since 403(b) fees, penalties, and investment options vary, and depending on the plan’s choices you may be able to change providers if yours isn’t serving you well. Wealth advisor Sean Hantes focuses his practice on University of Rochester and health care professionals approaching retirement, coordinating these decisions into a structured income plan, with investments chosen to match the withdrawals you’ll need and the ups and downs you can live with. Whether you are weighing a retirement date or timing Social Security against a pension, Sean keeps the pieces connected in one plan, and he revisits it with you as tax rules and your priorities change.
Why U of R Professionals Work With The Pitti Group
Most university clients arrive having saved carefully for years, and what they want from us is coordination: a second set of eyes on decisions that only happen once. Sean keeps the process calm and orderly, which suits people who’d rather hand the details to a specialist than juggle every account and deadline alone. Sean works alongside a family-run, fee-only fiduciary team, and Sal has been advising clients since 1994.
University of Rochester Benefits Questions
Yes. As fiduciary advisors we can help you review your 403(b) investment choices, fees, and provider options, and coordinate the account with the rest of your retirement plan.
Yes, and that coordination is most of the work. Your 403(b) sits alongside IRAs, taxable accounts and Social Security, and the order you draw from them shapes your tax exposure for years. We plan the accounts together rather than one at a time.
It depends on your other income sources, your tax picture, and when you file for Social Security, because the pieces move together. We model the options inside your plan so you can see the trade-offs before deciding.
Often, yes. Filing earlier or later changes how much income your savings need to produce in the meantime, which affects withdrawals and taxes. Coordinating the two decisions is a core part of the retirement income planning we do.
No. Many of our university clients prefer to have an advisor coordinate the details rather than track every account and deadline themselves. We handle the coordination and explain each decision as it comes.
A Clear Look at Where You Stand
Bring your 403(b) statement and your questions. The conversation is complimentary, there’s no obligation, and you can expect straight answers about what comes next.
Request a Complimentary Call →Prefer to talk now? Call (585) 337-4000