Investment Management Services
Beth Israel Lahey Health employees
what you have
Which retirement program you are in depends on which hospital employs you, and the terms differ across the system. Decisions about how much to contribute, whether to choose pre-tax or Roth, how to invest, and how to treat an employer-funded benefit should reflect your goals, tax situation, retirement timeline, other assets, and personal priorities. We bring these decisions together in one coordinated strategy designed around the life and retirement you are working toward.
At some entities in the system, the workplace savings plan is a 401(k) rather than a 403(b). Contributions may be pre-tax, Roth, or a combination of the two. We help you decide how much to contribute, which type of contribution to use, and which investments fit your goals, risk tolerance, and retirement timeline.
At other entities, the workplace savings plan is a 403(b), and at some it sits alongside a second plan. Where both are available to you, they share one annual limit on what you can defer. We help you determine which to use, or how to divide your contributions between them.
Where a match is offered, your employer adds to your account when you contribute to your own. The formula, the service required before it begins, and the point at which it becomes yours to keep all differ across the system. We confirm the terms that apply to you and set your contribution rate to receive the full amount.
Several entities add a contribution whether or not you save anything yourself, in some cases tied to your years of service or the hours you work. A benefit that arrives without an election is an easy one to overlook. We confirm what you receive and account for it in your retirement projections.
Some hospitals in the system continue to fund a retirement benefit in your name, and others closed or replaced theirs years ago. If you hold one, no election is required while you are working, and the decision comes when you choose the form the benefit takes. We help you weigh those forms against your income needs, your other assets, and your estate plan.
The hospitals that formed Beth Israel Lahey Health brought their own retirement plans, and those plans were never merged into one. Employees who have worked at more than one may hold balances in more than one arrangement. We locate what you hold across the system and treat it as a single portfolio.
what people ask us
Here is what we look at to find yours.
Start by contributing at least enough to receive the full employer contribution available to you. From there, choose an amount that fits comfortably within your budget, taking into account debt, emergency savings, and other financial priorities. The goal is to select a contribution rate you can maintain consistently, even during tighter periods. We will help you determine the right amount and revisit it as your income and circumstances change.
The terms differ across the system, so employees frequently apply a rule of thumb they heard from a colleague at another hospital. We read the provisions that govern your own plan, confirm what you are eligible for and when, and identify anything you are leaving unclaimed.
Moving between entities does not always move your retirement benefits with you, and balances left behind are easy to lose track of over a career. We help you locate what you hold, understand the terms attached to each piece, and decide whether consolidating any of it makes sense.
We evaluate any IRAs, taxable investments, old employer retirement plans, and other household assets alongside your Beth Israel Lahey Health accounts. When appropriate, we can help consolidate accounts and coordinate everything within one investment strategy aligned with your goals, risk tolerance, retirement timeline, and tax situation.
If you hold one, there is generally more than one way to receive it, and the choice is difficult to reverse. Choosing among the available forms requires careful consideration of your retirement income needs, survivor protection, life expectancy, other assets, and estate plan. We help you integrate this decision into your overall retirement strategy rather than treating it in isolation.
how we work
A personalized process designed to answer your questions, clarify your choices, and integrate your Beth Israel Lahey Health benefits into your broader financial life.
Start with the questions on your mind. We will take it from there.
We connect them with every part of your financial life, with one team coordinating the decisions that affect one another.
Your contribution strategy, the form any employer-funded benefit takes, Social Security, and the income your savings will need to provide throughout retirement.
Your workplace accounts and outside investments are coordinated as one portfolio, aligned with your goals, retirement timeline, and risk tolerance.
How contributions, investments, withdrawals, and other income sources can be coordinated to manage taxes now and in retirement.
Whether your life and disability coverage are sufficient to protect your income, your family, and your financial plan.
Beneficiary designations, wills, trusts, powers of attorney, healthcare directives, and guardianship provisions are coordinated to carry out your wishes and protect the people you care about.
Financial guidance through a change in role or employer, a move to part-time work, retirement, divorce, an inheritance, caregiving responsibilities, and other major life events.
before you get in touch
We work with Beth Israel Lahey Health employees at every stage of their careers, from those beginning to build savings to those preparing for retirement.
The earlier you begin, the more opportunity you have to strengthen your financial future. Decisions about contribution rates, Roth versus pre-tax savings, investment selection, vesting, and the form an employer-funded benefit eventually takes can have a significant long-term impact.
Choose a video meeting from wherever you are, or an in-person meeting at our Westborough office.
Start with whatever matters most to you, whether that is your retirement date, an employer-funded benefit, investment accounts, contribution strategy, or debt. We will help you understand how each decision fits into your broader financial plan.
Finivi Inc. is not affiliated with, endorsed by, or sponsored by Beth Israel Lahey Health, Inc., Beth Israel Deaconess Medical Center, Lahey Hospital & Medical Center, or any affiliated entity. These employers are named here only to identify groups of employees the firm serves. References to their benefit provisions come from publicly available employer, union, and plan materials current as of July 2026, and are included for identification and educational purposes. This material is educational and is not personalized investment, tax, accounting, or legal advice, and it is not a recommendation to buy or sell any security or to adopt any particular strategy. Everyone’s situation is different. Benefits vary by hospital, hire date, job classification, and bargaining unit, and are subject to change. If anything here conflicts with a plan document or a collective bargaining agreement, those documents govern. Check the details against your own plan documents before acting, and talk to a qualified tax advisor or attorney about your specific situation. Public Service Loan Forgiveness eligibility depends on federal program rules and individual circumstances and is not guaranteed. Finivi is not a law firm or an accounting firm and does not provide legal or tax advice. Investing involves risk, including the possible loss of principal. Registration with the Securities and Exchange Commission does not imply any particular level of skill or training. Advisory services offered through Finivi Inc., an SEC Registered Investment Advisor.