Tenured Wealth Management of Raymond James

Tenured Wealth Management of Raymond James Retirement planning for college professors, physicians & business owners. Former TIAA advisors. $250M+ AUM. Farmington Hills, MI. 248-539-5102

Most financial advisors serve everyone. We serve the professionals who spend their careers in service to others. At Tenured Wealth Management of Raymond James, we specialize in retirement and wealth planning for three groups of dedicated professionals in metro Detroit and across 20+ states:

� College Professors & University Faculty — We understand your world: TIAA-CREF accounts, 403(b) plans, pe

nsion payout decisions, and the unique financial crossroads that come with an academic career. Both of our founding advisors spent nearly a decade at TIAA, working directly with Michigan university faculty. We speak your language.

� Physicians & Medical Professionals — You've spent years building income. We help you build lasting wealth, navigate practice transitions, plan for retirement on your terms, and protect everything you've worked for.

� Business Owners — Particularly business owners in Michigan's Albanian-American community. We help you separate your personal financial future from your business value, plan your eventual exit, and build a retirement that doesn't depend on the perfect sale at the perfect time. Our practice was built on a simple belief: the professionals who dedicate their lives to education, medicine, and building businesses deserve a financial team that understands the complexity of their situations — and has the credentials to navigate it. Today we manage over $250 million in assets for approximately 180 families. We don't serve everyone — and that's intentional. Our clients are not just clients. They are people we are honored to walk alongside.

� Get a complimentary Pre-Retirement Checklist — tailored for educators, physicians, and business owners:
� www.TenuredWealth.com
� (248) 539-5102
� 31500 Northwestern Hwy, Suite 150, Farmington Hills, MI 48334


Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability. Please follow this link to additional disclosures: http://raymondjames.com/smrja.htm

Raymond James & Associates, Inc., Member New York Stock Exchange/SIPC

"We've been meaning to revisit our retirement plan. We just haven't had a minute."I hear some version of that all the ti...
06/24/2026

"We've been meaning to revisit our retirement plan. We just haven't had a minute."
I hear some version of that all the time from couples balancing demanding careers.

It makes sense.

When both people are focused on students, patients, employees, clients, deadlines, and everything waiting at home, retirement planning can start to feel like something you deal with later.

The problem is that a lot can change in a year, even when life on the surface looks steady.

Your income may have shifted. Your savings rate may have drifted. Your benefits may look different than they did the last time you paid attention.

And the goals you had as a couple may have quietly evolved too.

That is why I think an annual review is one of the most overlooked habits busy couples can build.

A once a year check-in gives you a chance to look at questions like:

• Are our contribution levels still realistic
• Are we still saving in the right accounts
• Are our beneficiaries and insurance choices up to date
• Are we making decisions as a team, or just reacting as things come up

I am not saying every review leads to major changes. In many cases, it simply confirms that what you put in place still fits.

But when something does need attention, catching it early can make the next decision much easier.

At a time when nearly half of Americans over 50 are still not using a financial professional, I think that kind of regular check-in matters even more.

I care a lot about helping couples with full schedules create space for this kind of review, so the future they are working so hard for does not get pushed aside by everything happening right now.

If you have been meaning to take a fresh look, I am always happy to talk it through.

Buying a disability policy back in residency was one of the smartest things you could do on that budget.It may also be t...
06/23/2026

Buying a disability policy back in residency was one of the smartest things you could do on that budget.

It may also be the most out-of-date piece of your plan today.

Now that you're earning three or four times what you did then, that policy would likely replace only a small slice of what you bring home.

Buying more coverage helps. But what matters just as much is how it holds up as your career changes.

1. Can it grow with you?

A future health problem doesn't just raise your rate. It can freeze your coverage at the level you have the day you're diagnosed. Some policies build in an option to raise it as your income climbs, without proving you're healthy all over again. That's what keeps one health event from capping you for good.

2. Does it protect your specific specialty?

You could be unable to operate and still able to teach or consult. Under a weaker definition, that counts as working, so the policy pays nothing. A "true own-occupation" definition pays your benefit if you can't perform your specific clinical duties, even if you choose to teach, consult, or work in another field.

3. What if you're only partially sidelined?

Most disabilities don't stop you from working entirely. The more common one is a chronic issue that forces you to cut back your clinical hours. Without the right feature, an income drop like that can pay nothing. A "residual" provision bridges it, paying in proportion to what you've lost.

These features often get left out of residency policies to keep early costs down. That's why reviewing the fine print is one of the first things I do with new clients.

If you haven't reviewed your policy in a while, now's a good time to. That way you know what it pays, how your specialty is defined, and whether you can raise your coverage.

And that's something you don't want to leave for later, because the gap between your income and what an old policy would replace only widens the further along you get.

Honoring the fathers and father figures who encourage, support and inspire us every day. Happy Father's Day!
06/21/2026

Honoring the fathers and father figures who encourage, support and inspire us every day.

Happy Father's Day!

You're at the beach with your family.The kids are building a sandcastle, the dog's chasing a frisbee, and everyone's rig...
06/19/2026

You're at the beach with your family.

The kids are building a sandcastle, the dog's chasing a frisbee, and everyone's right where they should be.

Except part of you is still running the numbers. The loans. The mortgage. Whether retirement is really on track.

Most families I work with don't ask me how to beat the market. They ask a quieter question:
"Are we going to be okay?"

That's what real planning is for. Not a number on a statement, but being able to sit on the beach and actually be there, knowing the debt, the kids, and your retirement are accounted for.

Because building the life was never the hard part.

Being able to enjoy it while you build it is.

Retirement isn't the finish line—it's a new beginning.With people living longer than ever, retirement can last decades, ...
06/18/2026

Retirement isn't the finish line—it's a new beginning.

With people living longer than ever, retirement can last decades, making it more important to intentionally build a lifestyle that supports your health, passions, and sense of meaning.

Whether it's pursuing an encore career, giving back through volunteering, learning something new, or deepening relationships, there are many ways to create fulfillment in this next phase.

I'm sharing a Thrive Guide with ideas and inspiration—and if you'd like help turning those ideas into a plan that fits your life and aligns with your finances, I'd be happy to connect.

https://www.raymondjamesconnect.com/aFuQdm

"My peak earning years started a decade late. How am I supposed to catch up?"If you're a faculty physician, you've asked...
06/17/2026

"My peak earning years started a decade late. How am I supposed to catch up?"

If you're a faculty physician, you've asked yourself some version of that on the drive home. You gave ten years or more to training before your first attending paycheck, while your loans kept growing on a resident's salary.

The answer starts in the benefits package that came with your appointment.

If your university offers both a 403(b) and a 457(b), the two carry separate contribution limits: up to $24,500 into each for 2026, $49,000 combined. That's twice what most professionals can defer, arriving right when your income can finally use it.

In fact, the latest Bureau of Labor Statistics wage data puts healthcare in 23 of America's 30 highest-paying jobs. No surprise the salaries get the attention. It's also no surprise the structure that lets a late starter catch up almost never does.

I spent nine years administering those exact plans in higher education before co-founding Tenured Wealth Management, helping university physicians use both limits to make up ground a late start was supposed to have cost them.

You earned your place on that chart the long way. With the right structure, the decades ahead can give you part of that time back.

This coming Sunday is the summer solstice. It's also Father's Day. The longest day of the year and the day we set aside ...
06/15/2026

This coming Sunday is the summer solstice.

It's also Father's Day. The longest day of the year and the day we set aside for dads last shared a date in 2015, and after this weekend they won't again until 2032.

When Stella and Sadie were little, I thought those long June evenings were a gift for them: one more trip to the park, one more backyard game before bedtime finally arrived.

I see it differently now that they're older. The extra daylight wasn't just for them. It was for the dad who got one more hour of watching them be kids.

The plans Burmeister and I build are measured in dollars. But what they're really for is time like this: unhurried, daylit, spent with the people you love.

So if you're a dad, I hope Sunday gives you the longest, fullest version of an ordinary day with your family. And if you're lucky enough to still have your dad nearby, you know exactly where some of that extra daylight belongs.

Happy Father's Day!

3,000 followers. Not a big deal, right? It's certainly not like I've been counting down the days. In fact, I only really...
06/09/2026

3,000 followers.

Not a big deal, right?

It's certainly not like I've been counting down the days. In fact, I only really noticed when a friend pointed it out to me.

Which is how most of our successes happen, isn't it?

I mean, it's not like you drew a circle around the Roth contribution you made in March 2014. You didn't throw a party the year you hired your second employee (if you did, good for you!). And you didn't take the day off after paying the first year of college tuition from the savings you'd started to set aside on your daughter's first birthday.

You did the thing, and then you moved on. But that thing was more meaningful than you realized.

Until you did.

After all these years, that's how I've come to think of financial planning: a slow, steady stream of unremarkable milestones that add up to the retirement you pictured for yourself from the very beginning.

It's less PGA Championship than mornings on the putting green and at the driving range.

As for me? Well, I'm going to keep posting, commenting, and connecting with people I genuinely enjoy getting to know. Because that's where the real meaning is behind the numbers I work with.

Two academic physicians can both have a 457(b) and not have the same plan.The difference comes down to one word in the p...
06/08/2026

Two academic physicians can both have a 457(b) and not have the same plan.

The difference comes down to one word in the plan documents: governmental or non-governmental.

If you're at a state university, public medical school, or state-affiliated hospital, your 457(b) is governmental. The money is held in trust for you. You can roll it into an IRA whenever you leave, and it has the protections you'd expect a retirement account to have.

If you're at a private university or hospital, your 457(b) is non-governmental. Until the money is distributed to you, it's still your employer's asset. You can't roll it over to an IRA, and distribution timing is set by the plan, not by you.

Usually, this isn't an issue. But if your institution experiences financial difficulties, the money in a non-governmental plan ranks alongside the claims of the institution's other unsecured creditors.

That means the calculus is different. A governmental 457(b) is essentially another retirement account. A non-governmental 457(b) is a long-term promise from your employer.

Having spent nine years on the administrative side of higher-ed retirement plans before Burmeister and I started Tenured Wealth Management, I've seen how much that one word in your Plan Description can impact what's available to you in retirement.

If you have any doubts about which version you're contributing to, now's a great time to check your plan details. And if you're thinking about what this might mean for the rest of your plan, I'm always just a call or DM away.

Another school year's almost over. Just a couple of days left now. And like every year before this one, you went over an...
06/03/2026

Another school year's almost over. Just a couple of days left now.

And like every year before this one, you went over and above: cheering on your students at soccer matches and the science fair, chaperoning school trips, and holding extra study sessions to help students feel more confident heading into spring testing.

There are a thousand and one things you did that made an impact. And as rewarding as that is, it's also exhausting.

Both of my parents were teachers, so I know that exhaustion firsthand.

It's why summers were so magical to me as a boy. It wasn't just that time seemed to slow down so that days felt like weeks. It was because my parents were home during the day and I could sense a different, calmer rhythm around the house.

It wasn't until I watched my wife go through the same experience when our daughters were younger that I realized my parents had felt some of that magic, too.

It was the one time of year they got to dial down the hectic pace for more than a week or two, do the things they'd had to keep putting off while managing their classrooms, and wake up each day to be just being Mom and Dad.

When they came home after the last day of classes in June, I'd watch them both exhale.

It's an exhale you know better than anyone.

And it's with that exhale in mind that I want to thank you for everything you did to make this year such a success. I hope you have an incredible summer ahead and that you get to experience some of that long-ago magic these next couple of months.

Address

31500 Northwestern Highway Suite 150
Farmington Hills, MI
48334

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

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