Retirement Planning for AT&T Employees: Pension, Mod 75 & Benefit Strategies

Robert Howarth is an accomplished executive with over 20 years of leadership in B2B SaaS, professional services, and custom software development, renowned for driving innovation and transformation. As Chief Revenue Officer, Robert led groundbreaking initiatives, forging high-impact enterprise partnerships and cultivating alliances within global technology ecosystems to deliver innovative, client-centric solutions. His tenures have earned him the prestigious CRO of the Year award and led to consistent Inc. 5000 recognition by implementing forward-thinking approaches that accelerated growth and market leadership.

A visionary leader, Robert excels at building high-performing teams that align cutting-edge approaches with Agile development methodologies to deliver transformative, technology-driven outcomes. Known for fostering partnerships that drive innovation, Robert consistently positions organizations at the forefront of their industries.

Based in Salt Lake City, Utah, Robert enjoys backpacking, snow skiing, mountain biking, and road biking, embracing the state’s rugged landscapes with a passion for outdoor adventure.

With over 10 years of experience as an advisor, Michael brings a laser-focused approach to holistic wealth management. His first foray into retirement planning was when his mother retired from Kaiser Permanente Walnut Creek. As a first generation American, Michael had the duty of translating for his family – and he felt, firsthand, the stress and anxiety that large financial decisions can cause for the majority of retirees.

Michael provides fiduciary advice to soon-to-be retirees of large corporations. And he makes it his number one priority to chop down complex financial concepts – including pensions, 401K/TSA, Social Security, and taxes – into easy-to-understand bites for his clients. Michael’s expertise enables him to add a strong layer of financial advice to a company’s HR team – with a particularly strong understanding of the retirement programs offered by PG&E, AT&T, Kaiser Permanente, Chevron, Northrop Grumman, Boeing, and Raytheon.

Born and raised in Oakland, CA, Michael is an active member of the dog rescue community – having fostered many dogs through rescue organizations including Chows Plus and Love Second Chances. You can find him exploring around town with his latest rescue, Chow Chow Maple.

With over 27 years in investment and retirement planning, Steve is seen as a trusted partner to his clients for all of their financial planning needs. Understanding that each situation is unique, he works to understand every family’s specific goals – and then chart the best path forward to accomplish them.

Steve is honored to have guided hundreds of corporate employees to a happy and successful retirement.

A native of the San Francisco Bay area, Steve enjoys spending time outdoors and playing golf with friends.

Jordan works closely with individuals and families to understand their holistic wealth management needs, and he is privileged to help his client base navigate each life stage. Prior to joining Farther, Jordan held roles at Bank of America and Merrill Lynch. 

A graduate of Yeshiva University, Jordan resides on Long Island with his wife and 1-year-old daughter. An avid golfer and traveler, Jordan cherishes the time he gets to spend with his family and friends.

Raymond began his journey in wealth management as a retirement planner where he worked exclusively with corporate employees from Fortune 500 companies helping them plan for the transition into retirement. This invaluable experience taught him the importance of financial planning and how financial aspirations may differ, thus requiring unique investment strategies tailored to your needs.

A good financial plan should be a living and breathing plan that changes and grows with you as you reach milestones. It should serve as a roadmap to navigate through life’s obstacles. Raymond uses a holistic approach to serve individuals, families and business owners to account for Trust and Estate Tax planning, Retirement Income and Risk Management necessities. He has extensive experience with income planning to maximize your Pension, Social Security and other sources of income to produce a comfortable future.

Raymond is a Bay Area native and grew up in the East Bay. He loves to travel and learn about different cultures by sharing food and stories. His most recent trip abroad was to the Philippines, Vietnam and Hong Kong.

Mike initially began his financial experience as a client of a retirement planning firm. He witnessed, first-hand, how beneficial having a financial plan could be when he lost his first wife to cancer. At a young age, he became a widower and single father of three children. He knows each planning situation is unique: Mike seeks first to understand a client’s concerns and objectives, and then designs a plan specific to their situation to help them achieve peace of mind. Mike’s passion comes from helping clients enjoy their lifestyle and worry less about their wealth. 

Even as a native of Colorado, Mike still enjoys discovering new areas of the beautiful state, spending time with family, looking for lost golf balls (i.e. hiking), Jeeping, and exploring.

All too often, life gets busy – and we fall into a comfortable routine… Some might say we go on “autopilot”. Our personal dreams, aspirations, and goals are moved down the priority list, as life is consumed by day-to-day activities. Our money story is often the culprit behind this autopilot routine. The challenge becomes identifying our current financial situation and deciding if, when, and how to take action. These actions, or non-actions, can have compounding effects – years down the road – in a positive or negative manner.

James has spent over a decade empowering his clients to take action toward their financial freedom. His approach is focused on education and making sense of the complex financial strategies available to each individual client. A partnership is created that encourages collaboration between James, his clients, and other professionals brought onto a client’s wealth team. The framework created by these partnerships allows for all parties to participate in the alignment of the personal goals of the client and the pathway that the financial strategies offer to obtaining financial freedom.  

James is an “outside the box” type of person. He loves learning, tackling challenges, and creating new experiences. You can find James cycling over the highest peaks in Europe, improving a skill set (such as his swim technique), assisting his kids in navigating life, and becoming location independent with his wife (via the implementation of an RV lifestyle).

Growing up in the former Soviet Union and seeing the entire country transform before her eyes, Yuliya learned that only one thing is for certain: life is a constant change. 

Yuliya is passionate about helping her clients navigate financial complexities and adapt to their changing circumstances with joy, rather than fear. Her expertise encompasses retirement planning (or the work-optional stage of life), business succession, tax optimization strategies, risk management, and estate planning. 

Yuliya lives in San Diego, CA, with her husband and their two sons. She enjoys skiing, camping, cheering on her sons’ sports teams, and hiking with friends.

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