Andrew Pemberton is one of our dedicated Financial Professionals here at Universal Retirement, focusing on guiding clients through the critical transition from their working years into a stable retirement.
A significant portion of Andrew’s practice is dedicated to supporting the people who keep our communities running—including school teachers, first responders, healthcare staff, and everyday families. Navigating public pension systems, state-level formulas, and employer plans like 403(b)s or 401(k)s can often feel like learning a second language. Andrew excels at breaking down these complex rules into straightforward, easy-to-digest concepts, ensuring clients know exactly what their benefits mean for their future.
The ultimate goal of Andrew’s work is to eliminate financial anxiety. By taking a comprehensive look at a client's current situation, he designs a customized, step-by-step strategy aimed at maximizing lifetime income, minimizing market volatility, and ensuring long-term peace of mind.
