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.
We know UTMB because we’re part of the community.
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.
UTMB is part of the island culture, and so are we.
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.
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. Below is an overview of how we help UTMB employees build, protect, and plan for their financial future.
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?
Do I have enough saved for retirement?
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?
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?
Do I have enough saved for retirement?
Common questions from the UTMB 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.
Shawn Gault
VP / Portfolio Management
electing investment options and evaluating retirement plan costs to preparing for retirement and reviewing insurance needs, they take the time to understand
Christo Zgourides
VP / Portfolio Management
electing investment options and evaluating retirement plan costs to preparing for retirement and reviewing insurance needs, they take the time to understand
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.
Financial guidance designed 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 Resource Center.
Financial decisions don't end after one meeting. Our goal is to provide ongoing education and practical guidance that helps you make informed decisions throughout your career.
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.
Summary Block
Why many 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.
Financial decisions aren't made in isolation. 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.
Meet with us just minutes from the UTMB campus.
Our Galveston office is conveniently located in the historic Marine Building, just a short walk from the UTMB campus. Whether you'd prefer to stop by with questions, schedule a financial planning consultation, or simply meet the team, we'd love to welcome you.
305 21st Street, Suite 160
Galveston, TX 77550
Office: (281) 256-3100
Our Planning Services
Financial planning isn't one decision. It's a series of decisions that work together to support your long-term goals.
Retirement Planning
Helping you build a retirement strategy designed to support the lifestyle you want today and in the future.
Estate & Legacy Planning
Helping you prepare for the future and coordinate with trusted legal professionals when needed.
Investment Management
Investment guidance tailored to your goals, timeline, and comfort with risk.
Ongoing Guidance
Your financial strategy isn't static. We're here to answer questions, make adjustments, and help you navigate life's changes with confidence.
Tax-efficient Planning
Working alongside your tax strategy to help you make informed financial decisions throughout the year.
Ready to build a plan that’s tailored to you?
Whether you're planning for retirement, growing your investments, or simply looking for trusted financial guidance, we'd love to learn more about your goals.
Let’s start by having a conversation.