RETIREMENT PLANNING

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RESOURCES FOR EMC EMPLOYEES

NRECA Pension Plan Guidebook

An easy-to-read guidebook covering your NRECA pension plan. Includes how benefits are calculated, types of payment you can receive, lump sum vs. annuity considerations, quasi-retirement, and additional resources.

Lump Sum vs. Annuity Decision Guide

The NRECA pension plan offers lump sum and annuity options for receiving your pension benefit. This guidebook provides helpful tips for deciding which is right for you.

Quasi-Retirement for EMC Employees

Some EMC pension plans offer a “quasi-retirement” option to employees. This guidebook provides information on this benefit and topics you should consider if you’re eligible for quasi-retirement

Social Security for Co-op Employees and Retirees

Social Security replaces around 40% of pre-retirement income for the average American. This article provides tips to use when determining when you should file for your benefits.

Is a 401(k) Rollover Right For You?

This helpful guide covers the pros and cons of your 4 options for handling your EMC 401(k) account when you leave the co-op due to retirement or other reasons.

EMC Retirement Newsletter
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ABOUT US

EMCretirement.com is a service of Halley Hill Wealth Management LLC. We are a fiduciary Registered Investment Advisor (RIA) and specialize in serving employees and retirees of Electric Membership Cooperatives.
Put our experience with NRECA and EMC benefit plans to work for you!


Schedule EMC Retirement Consultation
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Zack Purvis, CFA is founder and president of Halley Hill Wealth Management and EMCretirement.com. Zack has worked in the financial services industry since 2003. He grew up in an “EMC family” and his mother worked for a Georgia-based EMC for 39 years. He is passionate about serving EMC employees and helping them make their retirement years as worry-free as possible. Zack holds the Chartered Financial Analyst (CFA) designation and is a “Double Dawg” with both a bachelors in finance and MBA from University of Georgia.

(478) 235-2674

zpurvis@halleyhill.com

EMC Retirement Services

Our comprehensive retirement and wealth management services are designed for the unique needs of EMC employee and retirees. We’d love the opportunity to speak with you to see if we’re a fit for your needs.
Schedule a complimentary consultation or call us at (478) 235-2674.

Schedule EMC Retirement Consultation

Financial Planning

  • Retirement Readiness Assessment
  • Tax Efficiency Planning
  • Pension Benefit Analysis
  • Safe Withdrawal Strategies
  • Employer Benefits Analysis
  • Social Security Strategies
  • Roth Conversion Analysis
  • Estate & Legacy Planning
  • Risk Tolerance Assessment
  • Education Cost Planning
  • Insurance Assessment & Planning

Investment Management

  • Customized Portfolio Construction
  • Lump Sum Investment Strategies
  • Tax-efficient Portfolio
  • Investment Rebalancing
  • 401(k) Rollovers & Consolidation
  • Performance Assessments
  • Tax Loss Harvesting
  • Diversification & Risk Analysis
  • Income Strategies
  • Education Cost Planning
  • Insurance Assessment &Planning

As a fiduciary, we firmly believe in full transparency for the services we provide and the fees we charge for these services. Our fee schedule below includes comprehensive retirement planning services and ongoing investment management based on your unique needs.

Comprehensive Wealth
Management Fee
Assets Managed Annual Fee as % of Account Value
$0 – $1,000,000 1.00%
Next $2,000,000 0.85%
Next $2,000,000 0.75%
Above $5,000,000 0.50%
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