At The Pension Geeks, our goal is to ensure you get every penny you are due from your pension — without working a day longer than you have to.
The Pension Geeks is the educator-focused division of Envision Financial Group, Inc. — dedicated to helping school employees understand their pensions, plan for retirement, and take an active role in securing their financial future. We want to be a positive voice, motivating school employees to take a more active role in their investments.
Learn More About Our ProcessWe start with your most recent pension statement, years of service, and any projections you've received. We walk you through exactly what we need — no paperwork headaches.
We run your numbers across different retirement ages, showing the projected monthly benefit, total lifetime payout, and the dollar value of retiring earlier or staying longer.
Unmodified vs. survivor benefit elections — we translate each choice into clear dollar terms so you can decide what actually fits your family situation.
We layer in your 403(b) and any other retirement assets to build a complete income picture — so you leave knowing exactly what retirement looks like for you, not just what your pension pays.
Teachers, administrators, support staff, and school district employees have something most workers don't: an extraordinary pension waiting for them at the end of their career. The Pension Geeks exist to make sure you don't leave a single dollar of it on the table.
We specialize in the 403(b) school employee marketplace because that's where Wade has spent the past 30 years. As a former national sales manager for a company that designed and marketed 403(b) programs across 44 states — and now as an independent fiduciary advisor — he knows this world from every angle.
Whether you're just starting out in education, mid-career and curious what retirement actually looks like, or counting down your final years before you walk out the door, we give you the clearest possible picture of what's ahead.
"Teachers have a tough job. Depending on the district, some of them don't get paid a lot. But all of them have this amazing pension waiting for them. Our job is to show them that — with passion and excitement — and let them decide what they want to do from there."
— Wade N. Murphy, AIF®, The Pension Geeks at Envision Financial Group, Inc.
Schooled grew out of the presentations Wade gave at school sites across Southern California — the same stories, the same framework, the same honest take on how the 403(b) world works and how to navigate it as an educator.
It covers the fundamentals: how to think about your pension, what to do with your supplemental savings, how to avoid the most common and costly mistakes, and what a truly client-first retirement planning process actually looks like from the inside.
We'll send you a copy for free. Contact us and we'll get one out to you — no pitch, no follow-up pressure.
Request Your Free CopyWe review the investment options approved by your school district, evaluate their fees and structures, and help you build an allocation genuinely aligned to your timeline and risk tolerance — not the options that are easiest to sell.
The Roth 403(b) is one of the most underused tools available to school employees. We help you understand when it makes sense and how to use it alongside your traditional 403(b) to build tax-diversified retirement income.
Most educators accumulate accounts from prior jobs that haven't been touched in years. We review what you have, clarify your options, and help you decide whether consolidation or a change in strategy makes sense.
Wade spent 15 years on the inside designing annuity products before becoming an independent fiduciary. There is no one better positioned to tell you whether an annuity you've been shown is genuinely in your interest — or not. We evaluate them with no commission at stake.
You're thinking about more than just your own retirement. We help families build college savings strategies alongside their retirement plans — so both goals move forward together, without one coming at the expense of the other.
For clients who want ongoing management of their investment accounts, we offer the same disciplined, fiduciary-standard portfolio stewardship as Envision Financial Group — transparent fees, documented process, clear reporting.
A free pension analysis takes about 30 minutes and costs nothing. Most educators walk away surprised by what they've already built. Schedule a call and we'll show you the same.