Selecting the right mix of benefits isn’t about choosing every available option—it’s about choosing the right combination for your situation.

As independent financial advisors, our role is to help guide you through your benefit options so you can choose a combination of benefits that fits your life, your financial goals, your budget, and your family’s needs.

As an employee of North Fayette Valley Community School District, you have access to a dedicated financial advisor.  The advisor's role is to help you make confident decisions about your employee benefits, retirement planning, and cash flow—so your finances support your life, not complicate it.

North Fayette Valley Community School District and Knox Financial Services have an agreement that provides you with a complimentary, one-hour financial planning meeting with a member of Knox Financial Services between April 1, 2026, and March 31, 2027, to review your benefits, retirement plans, and receive both a paycheck analysis and retirement income projection if you wish.  Both online and in-person meetings are available per our customary business hours.       

If you have a change that requires a change in benefits, such as retirement, divorce, change in family status, or addition or loss of a family member, you are eligible for another complimentary financial planning meeting.

Knox Financial Services is not compensated for group benefits offered through North Fayette Valley Community School District, including health insurance, disability, HSA accounts, or other group insurance products.  Knox Financial Services may receive compensation for certain 403(b), Roth IRA, or other investment accounts purchased through Knox Financial Services.

Choosing benefits is one of the most important financial decisions you make each year—and, perhaps, one of the most confusing.  Our Team will help you understand and evaluate:

• Health insurance options (HSAs, FSAs, deductibles, and coverage choices)
• Employer retirement plans (401(k), 403(b), pensions, matching formulas)
• Insurance benefits (life, disability, supplemental coverage)
• Open enrollment decisions and life‑event changes

The goal is simple: help you select benefits that fit both your needs, tax situation, and your budget.

Your employer-sponsored retirement plan, IPERS, may serve as the solid foundation of your long‑term retirement financial strategy.   However, IPERS will not replace 100% of your income in retirement.   Additional savings may help you fill in the retirement income gap, allow flexibility, and provide tax efficiency.  Our Team will help you:

• Visualize the amount of retirement income you may expect
• Identify any gaps or shortfalls in your strategy
• Understand how much to contribute and where to invest
  
• Coordinate employer plans with IRAs and other savings
  
• Plan for retirement income—not just account balances
  
• Adjust your strategy as your career and life evolve

Whether retirement is decades away or right around the corner, having a clear plan brings peace of mind.

Your financial life includes more than employee benefits and retirement plans.  The Knox Financial Services Team may also help with:

• Budgeting and cash flow planning
• Managing debt (student loans, credit cards, mortgages)
• Saving for major goals (emergency fund, home purchase, education)
• Making sense of financial tradeoffs and priorities
  

Good planning brings clarity—not restriction—so you can enjoy your money today while planning responsibly for the future.

You have access to a variety of educational resources designed to simplify financial decision‑making. These materials are created to explain benefits, retirement planning concepts, and everyday financial topics in straightforward language:

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