Financial Planning for the UTMB Community
We help UTMB employees make informed financial decisions with guidance built around the unique retirement plans, investment options, and benefits available through the university. With more than 20 years of experience working with university retirement plans in Texas, we’re here to help you understand your options and plan confidently for the future.
Let’s start with a conversation.
We know UTMB because we’re part of the community.
UTMB is part of the island culture, and so are we.
As Galveston residents, we’ve built lasting relationships with many members of the UTMB community. We’ve worked with university employees for more than two decades and understand the financial questions that come with every stage of a career.
Our experience extends beyond investment management. We understand the retirement plans available through UTMB, the investment options employees are asked to choose from, and the insurance decisions that often affect long-term financial planning. Most importantly, we understand the people behind those decisions because we’re part of the same community.
Many of the conversations we have with UTMB employees begin with the same questions. If you’ve wondered about any of these topics, you’re not alone.
Where should I be investing my retirement money?
Which retirement plan is right for me?
How much should I contribute each month?
Am I paying unnecessary investment fees?
Should I manage my investments myself or work with an advisor?
How often should I review or change my investments?
Common Questions from the UTMB Community
How much can I safely withdraw when I retire?
Should I keep my retirement money in the UTMB plan after I retire?
Is my employer-provided life insurance my best option?
How should I budget paying off my student loans?
We organize our services into four areas.
Every member of the UTMB community has different financial goals. Our services are organized into four areas, making it easier to identify the support that’s right for you.
There are several ways we help UTMB employees build, protect, and plan for their financial future.
Retirement Planning
Build a retirement strategy around your goals, your timeline, and the unique retirement plans available through UTMB. We’ll help you understand your options and make informed decisions with confidence.
Insurance Planning
Your employer benefits are an important part of your financial picture, but they aren’t always the best fit. We’ll help you review your life insurance options and determine whether additional coverage or alternatives may better serve you and your family.
Investment Guidance
Choosing investments doesn’t have to be overwhelming. We help you evaluate your investment options, understand fees, and build a portfolio that aligns with your financial goals and comfort with risk.
Financial Planning
Your retirement plan is only one piece of your financial future. We bring together retirement planning, investments, insurance, and long-term financial planning to help you make informed decisions through every stage of life.
Meet Sean & Christo
Guidance from professionals who understand the UTMB retirement system.
Sean and Christo work closely with members of the UTMB community to help them navigate retirement planning, investment decisions, and the financial questions that come with every stage of their careers.
From selecting investment options and evaluating retirement plan costs to preparing for retirement and reviewing insurance needs, they take the time to understand your goals and provide practical guidance built around your unique situation.
OUR TEAM
Shawn Gault
Vice President of Portfolio Management
Research-driven portfolio management focused on long-term performance and wealth preservation.
Christo Zgourides
Director of Wealth Management
Research-driven portfolio management focused on long-term performance and wealth preservation.
Financial guidance designed specifically for the UTMB community.
Many UTMB employees come to us looking for answers to the same questions.
Some want help selecting the right investment options within their retirement plan. Others want to understand whether they’re contributing enough, how their investments should change over time, or what retirement might look like years from now. Many also have questions about life insurance and whether their employer-sponsored coverage is the best option for their family.
Every situation is different. We take the time to understand your goals, explain your options, and help you make informed financial decisions with confidence.
UTMB FINANCIAL NEWS • INVESTING • RETIREMENT PLANNING
UTMB Resources
Financial decisions don’t end after one meeting. Check out our latest articles about ongoing education and practical guidance that helps you make informed financial decisions throughout your career.
Join Our Newsletter
Stay up to date with articles and videos covering retirement planning, investment strategies, university benefits, and other topics designed specifically for members of the UTMB community.
Why UTMB employees choose to work with us.
The retirement resources available through UTMB are valuable, and we encourage employees to take advantage of them. Many people, however, prefer having someone they can call when life changes.
Career changes, growing families, retirement planning, insurance decisions, and unexpected life events all affect your financial future.
We build long-term relationships with our clients so they have a trusted team to turn to when those moments arise.
Let’s start by having a conversation.
Every financial journey is unique. Whether you’re planning for retirement, growing your investments, protecting your family, or simply looking for a trusted financial partner, we’re here to help..
305 21st Street
Suite 160
Galveston, TX 77550
