Tools for
Financial Sovereignty
Jastelique provides the data, protocols, and analysis required to dismantle the complexity of traditional academic retirement plans.
The Signature Audit
A comprehensive 40-page diagnostic of your specific TIAA portfolio. We identify hidden expense ratios, liquidity traps, and projected fee leakage over 20 years.
The Transfer Protocol
A step-by-step digital manual for moving assets from TIAA to low-cost providers like Vanguard or Fidelity without triggering surrender charges or tax penalties.
The Legacy Session
One-on-one session with a retirement intelligence analyst. High-level strategy for educators with complex multi-institution portfolios (403b, 457b, and Pensions).
Inside the Signature Audit
Fee Leakage Analysis
We calculate exactly how much your CREF Stock account is costing you compared to an equivalent low-cost index fund over your remaining working years.
The TIAA Traditional Stress Test
A detailed look at your "Vintage" years within the Traditional account and the specific payout options available to you.
Vendor Neutrality Ranking
A score-based comparison of your current plan against the 3 best-fit alternatives based on your risk profile.
True Independence
Has a Price.
Free advice from "Retirement Consultants" at your school is rarely free. They are often paid through commissions on the products they sell you. Jastelique's assets are paid for by you, for you. No hidden agendas.
The "Free" Consultant
- Salary Paid by Provider ✗
- Product Sales Targets ✗
- Bias Toward High Fees ✗
Jastelique Analyst
- Fee-Only Structure ✓
- 100% Provider Neutral ✓
- Focus on Cost Reduction ✓
Invest in Clarity.
The cost of inaction is almost always higher than the cost of intelligence.