Steve Schullo Fighting Powerful Interests

ISBN 13: 9780985835729

Fighting Powerful Interests

 
9780985835729: Fighting Powerful Interests
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The pdf book, Fighting Powerful Interests, is available free on my website, latebloomerwealth.com. Amazon does not allow direct links. The paper back can be bought as a gift for your teacher friend or relative.

Steve Schullo knows the ins and outs of the troublesome 403(b)/Tax-sheltered Annuity (TSA) retirement plans. As a public school elementary teacher for years, he has experienced this in spades. This new book details Steve's true story about exposing a retirement plan that has been stocked with the ubiquitous "TSA." In turn, this industry has profited handsomely at great cost to PreKindergarden-12th grade educators and other nonprofit workers. Annuities - designed by insurance companies for insurance companies, not educators – are rife with high-cost guarantees, useless insurance coverage, mind-numbing complexity and paltry returns.

Part how-to book, part autobiography, part resource and 100% teacher-to-teacher grass-roots guide, the author describes what worked and what didn't in his multi-decade odyssey. After Steve's story which is primarily aimed at teachers, their friends and family, the second half of the book provides a wealth of everything financial for everybody: letters, investing articles he wrote for his union, recommended personal finance books, glossary, financial podcasts by leading experts and guide to find genuine trustworthy advisers. The book references 31 mainstream news reports and online articles (1994-2012) from financial reporters and industry experts who are nearly universal in condemning the 403(b)/TSA scheme.

While the reader will benefit from the experiences and information shared, Steve's book is also a call-to-action to enlighten all PreK-12 education colleagues. Most educators don't know that they are being ripped-off, and remain unaware about how costs impact their financial well-being. Thus, runaway TSA sales and cost-abuse continues, unchallenged, by powerful financial industry interests and their self-conflicted sales campaign.

Against these decades-old obstacles, there exists a positive reform model. A team comprised of educators, a benefits administrator and a financial reporter, exposed the self-conflicted and secretive 403b world and added an award-winning low-cost 457(b) plan. It wasn't easy or quick. Steve walks the reader through conflicts, accusations and push-backs from those in power to one momentous success story. After 21 years and uncalled-for drama, Steve's journey was worth every minute. Readers will benefit from the lessons learned about costs, finding trust worthy advisers and growing their retirement accounts by earning stock market index returns--and then taking their skills to reform the 403(b) system for everybody.

About the Author: Steve Schullo taught elementary students and was a technology advisor with the Los Angeles Unified School District (LAUSD) for 24 years. He wrote investment articles for the union newspaper and has been a featured in both the Los Angeles Times and U.S. News and World Report. He started an investor self-help group for teacher colleagues and is an active contributor to investment forums. Frequently quoted by the media, Steve has testified at legislative hearings, and was honored by the Los Angeles teachers’ union for his retirement planning advocacy. He currently serves on LAUSD’s Retirement Investment Advisory Committee which monitors two billion in assets. His most recent media appearance was on the PBS Frontline documentary: The Emmy-award winner, The Retirement Gamble.

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Book Description Late Bloomer Wealth Press. Paperback. Condition: New. 308 pages. Dimensions: 8.5in. x 5.5in. x 0.7in.Steve Schullo knows the ins and outs of the troublesome tax-deferred retirement plan, known to the teaching community as the 403(b)TSA (Tax-Sheltered Annuity). As a teacher in the Los Angeles Unified School District for years, he has experienced that in spades. His new book details a true and historic story about a type of retirement plan that has been stocked with the ubiquitous Tax-Sheltered Annuity by the insurance industry. In turn, this industry has profited handsomely from it over the decades - at great cost to PreKindergarden-12th grade educators and other nonprofit workers. TSAs - designed by insurance companies for insurance companies, not educators - are rife with sleaze, high fees and complexity. This book is reader-friendly and is a safe environment where reform of the 403(b)TSA can be discussed openly and with clarity. Part how-to book, part autobiography, part resource and 100 teacher-to-teacher grass-roots guide, the author describes what worked and what didnt in his multi-decade odyssey to help teachers increase their retirement nest egg. The second half of the book provides a wealth of information: Steves correspondence letters and his investing articles, recommended finance books, glossary, podcasts, and a how-to guide to find genuine fiduciary advisers. Most importantly, the book references 29 mainstream news reports and online articles (1994-2012) from many financial reporters and industry experts which are nearly universal in condemning the high-cost 403(b)TSA scheme. Steve wrote his book as a call-to-action--a grass-roots advocacy--to enlighten his colleagues in the education profession. Unfortunately, runaway TSA sales and cost abuse continues, unabated and unchallenged, by powerful financial industry interests. Inside the huge Los Angeles Unified School District, two billion dollars of Tax-Sheltered Annuities remain locked-up in hidden - and therefore high-cost - products with punishing surrender fees. Nobody in the leadership of the educational establishment discusses this disgrace publicly. Most educators dont know that they are being ripped-off, and remain unaware about how costs will impact their financial well-being and the availability of low-cost mutual funds. A team comprised of educators, an iconoclastic benefits administrator and a financial reporter, exposed the self-conflicted and secretive 403bTax-Sheltered Annuity and replaced it with an award-winning low-cost supplemental retirement plan. Steve walks the reader through conflicts, accusations and utter indifference from those in power to eventual success. It took 21 years and uncalled-for drama to clear up the mess that was the 403bTax-Sheltered Annuity in the Los Angeles Unified School District. But it was worth every minute and readers will benefit from the lessons of this tale as they go about their own retirement planning. This item ships from multiple locations. Your book may arrive from Roseburg,OR, La Vergne,TN. Paperback. Seller Inventory # 9780985835729

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