Investment Management Services
Mass General Brigham employees
what you have
Your Mass General Brigham retirement benefits can play a central role in your financial future. Decisions about how much to contribute, whether to choose pre-tax or Roth, how to invest, and how to take your Cash Balance account 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.
Mass General Brigham funds this plan, and you make no contribution and no investment election while you are working. The decision comes at the end, when you choose the form your balance takes, and that choice is not easily reversed. We help you weigh the options against your income needs, your other assets, and your estate plan.
This is the plan you fund yourself, through pre-tax contributions, Roth contributions, or a combination of the two. Left alone it runs on defaults, at a contribution rate you did not choose and in an investment selected by your date of birth. 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.
Employer matching contributions are added to your account when you contribute to the 403(b). The plan terms determine how much you must contribute to receive the full match, and how long you must stay before it belongs to you. We review the provisions that apply to you and confirm your contribution rate is set to receive the full amount.
This plan is open to a limited group of employees. A 457(b) sponsored by a tax-exempt employer operates under different rules from one sponsored by a state employer. Those differences affect how the balance is held and how it may be moved. We review the terms that apply to you and weigh the value of the deferral against those constraints.
Newly hired employees generally complete a year of service before employer-paid retirement benefits begin, and this plan provides a cash payment during that period. Certain other employees receive payments as well. The money is paid as compensation, and Mass General Brigham encourages employees to direct it into the 403(b) and, where eligible, the 457(b). We help you determine the best use of it in your case.
Employees with longer service may hold balances in plans that preceded the current program. The plan that applies to you is determined by your employer within the system and the date you were hired. Colleagues in the same department may hold different retirement benefits for that reason. We identify what you actually hold before making recommendations about the rest.
what people ask us
Here is what we look at to find yours.
Start by contributing at least enough each pay period to receive the full employer match. 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.
Pre-tax contributions lower your taxable income today, while Roth contributions can provide tax-free income in retirement. The decision involves more than comparing tax rates. Your Cash Balance account, Social Security, required withdrawals, and other income sources can all affect your future tax picture. Using both options may give you more flexibility to manage taxable income throughout retirement.
The right investments depend on many factors, including your goals, risk tolerance, time until retirement, existing holdings, and the current economic and market environment. We help you determine which options are appropriate, which to avoid, and when it may make sense to favor one investment over another as conditions and your needs change.
We evaluate any IRAs, taxable investments, old employer retirement plans, and other household assets alongside your Mass General Brigham 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.
These payments are taxable compensation. They are reduced by withholding before they reach you, and they do not add to your retirement savings on their own. We look at your remaining capacity in the 403(b), your eligibility for the 457(b), your marginal tax rate, and your near-term cash needs to determine where those dollars are best directed each year.
If you are eligible, the 457(b) can add deferral capacity beyond the 403(b). It also carries constraints that a 403(b) does not, in how the balance is held, how it can be moved, and how and when it is eventually paid out. We read the terms that apply to you and weigh the deferral against those constraints and against your expected income in the years the balance would be paid.
When you leave, there is generally more than one way to receive the balance, 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
We evaluate your Cash Balance account, retirement savings, Social Security, other assets, expected expenses, taxes, healthcare costs, and retirement goals. We then test your plan against different market conditions and life expectancies to determine a realistic retirement date and identify the changes that could help you retire sooner.
how we work
A personalized process designed to answer your questions, clarify your choices, and integrate your Mass General Brigham benefits into your broader financial life.
We discuss the decisions on your mind, your financial priorities, and what you want your benefits and savings to accomplish.
We evaluate your retirement accounts, income, taxes, insurance, debts, and other assets to understand how everything fits together.
We evaluate each option within the context of your financial situation, explain the tradeoffs, and organize your decisions by timing and importance.
We help you implement the recommendations, coordinate your investments, and keep your strategy aligned as your life and financial needs evolve.
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 your Cash Balance account takes, Social Security, and the income your savings will need to provide throughout retirement.
Your workplace accounts and outside investments 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 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 Mass General Brigham 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 your Cash Balance account eventually takes can have a significant long-term impact.
Meet with us remotely or in person, either at our Westborough office or wherever you feel most comfortable.
Start with whatever matters most to you, whether that is your retirement date, your Cash Balance account, 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 Mass General Brigham Incorporated, Massachusetts General Hospital, Brigham and Women's Hospital, 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 member institution, 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.