Aaron Cahill, MBA, CRPC at Voya Financial Advisors

04/14/2026

NYS School District Employees Tier 6 vs. Tier 4… what's the real difference for retirement?

If you're a New York State employee, your pension tier plays a huge role in your future income.

Here's the reality:
👉 Tier 4
• Pension eligibility as early as 55
• Stronger benefit formula
• No mandatory employee contributions after 10 years
👉 Tier 6
• Full retirement age pushed closer to 63
• Reduced pension multiplier
• Required contributions for your entire career
• Benefits more sensitive to final average salary calculations

What does that mean?
Two employees…
• Same career
• Same salary
• Same years of service

Can have meaningfully different retirement incomes depending on their tier.

The key question for Tier 6 members:
"How much do I need to save in my 403(b) to close the gap?"

While every situation is different, many Tier 6 employees may need to:
• Save 10–15%+ of income consistently
• Start early to maximize compounding
• Be intentional about investment growth

The risk of doing nothing:

Hoping the pension alone will be "enough" could lead to:
• Delayed retirement
• Reduced lifestyle
• Increased financial stress later
The opportunity:
With the right plan, Tier 6 members can:
• Recreate (or even exceed) Tier 4-level income
• Build flexibility and control
• Retire on their terms

If you're unsure where you stand, it may be worth taking a closer look at your numbers. Contact me today!

03/09/2026

Many investors are wondering how the recent conflict in the Middle East may impact the financial markets going forward. The page linked below offers historical context that may be helpful for those wondering how the U.S. stock market has navigated similar moments in the past.

hartfordfunds.com

02/20/2026

Excited to be back on campus of Corning Community College on Thursday, March 5th! I'll be available from 9:00 AM - 4:00 PM in the Commons Building Room COM249 (ABC Room) for one-on-one meetings.

👉 To reserve your preferred time, please click the link in the comments

Open to all faculty and staff. During our time together, we can:

- Get you enrolled in the SUNY 403(b) and/or ORP if you're just getting started.

- Review and service an existing 403(b) and/or ORP to ensure it's working efficiently for you.

- Discuss if consolidating or switching to Voya, so your plan is easier to manage with ongoing local support is right for you.

- Start or review a retirement snapshot and get answers to your most important personal financial questions.

Regular check-ins—annually or during major life or career changes—can provide clarity and confidence in your retirement plan.

If you're unable to meet this day but would still like to talk, feel free to reach out directly and we'll find another time that works better with your schedule.

Aaron Cahill, MBA, CRPC®
Financial Advisor
Email [email protected]
Office (315) 565-4016

amazonaws.com

01/16/2026

SUNY Oswego employees — understanding your benefits is one of the most important steps toward a confident retirement.

Voya Financial Advisors Aaron Cahill, MBA, CRPC® and Adrian Dunuwila ChFC, CLU, PhD invite you to attend the Lunch & Learn workshop focused on understanding your SUNY retirement benefits and how estate planning strategies fit into your long-term financial plan.

Friday, February 6th from 11:00 AM – 1:00 PM in Marano 114

Reserve your spot today by clicking the link below. Lunch will be provided!

We'll discuss, but not limited to:

• Pension vs. ORP
• How 403(b) and 457 plans fit into retirement income planning
• Investment basics and common pitfalls
• Why estate planning strategies are a critical part of retirement planning
• Beneficiary reviews and real-life planning examples

This is an interactive session designed to help SUNY employees walk away with clarity and practical next steps. Bring your questions, thoughts, concerns, or emotional outburst.

We'll be back on campus offering in-person Open Office Hours on February 17th and 19th. Please reach out to schedule your individual meeting today!

#457

timetap.com

01/08/2026

Happy New Year! If you or someone you know is looking for a financial advisor, we are open to new clients and are looking to grow our practice. We appreciate you sharing this with someone who may find this helpful.

Whether you're changing employers, own a business, working as an independent contractor, or just need help, these transitions often create the perfect opportunity to review accounts, get organized, and make sure everything is aligned with where you're headed next.

We work with individuals, families, business owners, and independent contractors. If you'd like to learn more about the different ways we help, feel free to head over to our website to explore further.

My approach is collaborative and ongoing. There is no shame in needing guidance and we care deeply about helping people feel confident and supported. There is no fee to meet or have your questions answered. We take time to explore your situation, discuss options, and are fully transparent about how we do business. If it's a good fit, we move forward together—with clarity and trust. If not, you'll still leave with helpful insight.

If you or someone you know would benefit from a conversation, we'd be happy to connect. Feel free to message us here or reach out directly.

Thank you, we wish you all the best in 2026,

Aaron Cahill, MBA, CRPC®
Financial Advisor
Voya Financial Advisors, Inc.

Email: [email protected]
Office: (315) 565-4016

Investment adviser representative and registered representative of, and securities and investment advisory service offered through Voya Financial Advisors, Inc. (member SIPC).

www.cahill-financial.com

12/19/2025

🎄✨ Merry Christmas & Happy Holidays!

As many of you can imagine, taking a photo with a seven-year-old and a five-year-old is always an adventure especially while skating at the downtown Syracuse ice rink — a little chaos, a lot of laughter, and plenty of outtakes.

Wishing you and your family a holiday season filled with joy, good health, and special moments with the people who matter most. Thank you for all the relationships, trust, and support this past year.

Cheers to a happy, healthy New Year!

12/18/2025

Important news for individuals with disabilities & their families

Starting January 1, 2026, ABLE accounts are expanding — increasing the disability age-of-onset requirement from before 26 to before 46.

This change will allow millions more people, including those with later-in-life disabilities and many veterans, to access tax-advantaged savings without jeopardizing SSI or Medicaid benefits.

ABLE accounts can be used for:
• Housing
• Healthcare
• Transportation
• Education
• Assistive technology

This expansion is a meaningful step toward greater financial independence and flexibility.

If this may impact you or someone you care about, now is the time to start planning ahead.

www.fa-mag.com

12/17/2025

As the school break begins, I want to wish all school district employees, educators, and families a wonderful and well-deserved break.

Thank you for everything you do each day to support students and strengthen our communities. Your dedication, patience, and commitment truly make a difference.

I hope this time allows you to relax, recharge, and enjoy special moments with friends and family. Wishing you all the very best in 2026!

11/25/2025

As Thanksgiving approaches, I've been thinking about how grateful I am for the people I get to support. The conversations we've had, the trust you place in me, and the stories you've shared have all shaped the work I'm lucky to do each day.

Being invited into your financial lives and family planning is something I never take lightly, and I truly appreciate the relationships we've built over the years.

During this season of gathering with the people who matter most, it's a great opportunity to open up conversations with parents, grandparents, or even your own children about the value of having a thoughtful, up-to-date estate plan. We can't predict the future, but we can prepare for it — and if you or your family need guidance, I'm always here to help.

Wishing you and your family a meaningful and restful Thanksgiving filled with connection, gratitude, and all the small moments that make the holiday special.

Happy Thanksgiving!

11/14/2025

Big Update: Retirement Contribution Limits for 2026 & What It Means for You

Starting January 1, 2026, the Internal Revenue Service has released the new contribution limits for retirement plans — and there are some important changes to know:

The annual elective deferral limit for 401(k), 403(b) and most 457(b) plans is raised to $24,500 (up from $23,500).

For savers age 50 and older, the "catch-up" contribution limit is now $8,000 (up from $7,500).

For the age-60-63 "super catch-up" bracket, the limit remains $11,250.

The annual individual retirement account (IRA) contribution limit rises to $7,500 (up from $7,000).

The IRA catch-up limit for those age 50+ increases to $1,100.

A key threshold for those age 50+ in employer-sponsored plans: If your prior year F**A wages from your employer exceed $150,000, your age-50+ catch-up contributions in 2026 must be made on a Roth (after-tax) basis.

If you're working in education or with a school-district employer, these updates are especially relevant for your year-end planning.

Let's connect and review your plan before 2026 kicks in so we can make sure you're positioned to take full advantage of these changes.