Marlon Hannon

Marlon Hannon Please contact me to help you fully analyze your needs and recommend appropriate solutions.

Client-focused financial professional delivering strategic solutions that protect income, preserve assets, and secure long-term financial stability through health, life, disability, and long-term care coverage As a licensed Agent of New York Life Insurance Company I offer a variety of products that can help you meet a number of insurance and financial needs, including, but not limited to college f

unding, retirement, managing costs for extended periods of care and lifetime income strategies. Neither New York Life Insurance Company, nor its agents, provides tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professionals before making any decisions. Any testimonial on this site is based on an individual’s experience and may not be representative of the experience of other customers. These testimonials are no guarantee of future performance or success. I am not licensed in all jurisdictions.

5005 LBJ Freeway, Suite 1600
Dallas, TX 75244

04/17/2026

Most federal employees think FERS is just a standard pension. But the truth is how you approach FERS determines whether you retire comfortably or end up surprised by gaps. Here’s what most people miss. FERS isn’t just the pension. It’s a 3-part system: Pension, Social Security, and TSP. The pension formula rewards longer service and higher salaries and timing your retirement by even one year can change your monthly check by hundreds. Also, TSP contributions and allocations matter just as much as your pension estimate. Plenty of professionals assume their agency will handle the details. But the secret was those who review their FERS benefits every year, run projections, and adjust their TSP are the ones who retire on their terms.

Are you counting on “standard” retirement advice or are you taking control of your FERS outcome?

04/15/2026

Teachers make the same pension mistake. They set it and forget it. Years pass. Paychecks come and go. But the pension? Out of sight, out of mind. Here’s the problem, many never check if they’re actually on track for the retirement they want. They assume the default plan is the best fit, it rarely is. Small changes like increasing contributions or reviewing investment mix can mean thousands more down the line. It’s easy to think, “I’ll deal with it later.” But later sneaks up fast. A quick review once a year can make all the difference. When was the last time you looked at your pension statement?

04/12/2026

Leaving your job? Don’t ignore your 401k. Most people just let it sit there, hoping it sorts itself out. But here’s the reality, leaving it with your old employer often means higher fees and fewer choices. Cashing out? You’ll get hit with taxes and penalties. Rolling it over to an IRA or your new employer’s plan gives you more control and investment options.

It’s not just about “keeping your money safe.” It’s about making it work for you, even after you move on. Surprising how many folks leave thousands behind because they’re not sure what to do next. What’s your move roll it, leave it, or cash out? Let's have a quick 15 minute conversation. ,

Most people mess up their 401k without even realizing it. Here are the 3 most common mistakes:1️⃣ Not contributing enou...
04/10/2026

Most people mess up their 401k without even realizing it. Here are the 3 most common mistakes:

1️⃣ Not contributing enough to get the full employer match
That’s basically free money left on the table year after year.

2️⃣ Letting your 401k sit in default funds
Those “target date” options might not actually fit your goals or risk tolerance.

3️⃣ Cashing out when switching jobs
You get hit with taxes and penalties. Plus, your retirement savings take a massive step back.

A lot of people think just “having” a 401k is enough. But the truth is how you use it matters way more. Curious do you know what your 401k is actually invested in?

04/09/2026

Most people think retirement planning is just for financial advisors.

But let’s be honest—most teachers wait until it’s “time” and then scramble.

Here’s what actually works if you want peace of mind later:

1. Start early—even if it’s just a little. Compound growth is real.
2. Track your pensions and benefits. Don’t assume HR will do it for you.
3. Diversify. Relying on one fund (or the state) is risky.
4. Revisit your plan every year. Life changes—so should your numbers.

Teachers spend a lifetime helping others—but rarely plan for themselves.

Don’t let your future become an afterthought.

What’s one step you wish you’d taken sooner?

03/22/2026

Inflation is still the #1 threat to your wallet. 65% of Americans say it’s their top financial concern. Even as salaries go up, the cost of living rises faster:
- Food prices climb every month
- Rent and utilities squeeze budgets
- Everyday expenses chip away at savings

The result? Most people feel poorer even when they earn more. Savings dwindle. Retirement plans get delayed. Debt becomes the fallback. What’s the fix? Start tracking your spending with ruthless honesty. Look for small leaks, subscriptions, wasted food, hidden fees. Revisit your budget every quarter. Don’t assume pay rises will save you. Inflation isn’t just numbers—it’s the reality for working professionals everywhere. How are you adapting?

03/20/2026

Managing finances as a teacher can be challenging, but with some strategic planning, it’s possible to achieve financial stability. Here are some tips that might help:

1. **Create a Budget**: Track your income and expenses to understand where your money is going. This will help you identify areas where you can cut back and save more.

2. **Emergency Fund**: Aim to save at least three to six months’ worth of living expenses. This fund will provide a safety net in case of unexpected expenses or emergencies.

3. **Take Advantage of Discounts**: Many companies offer discounts to teachers. Always check if there’s a discount available before making purchases.

4. **Plan for Retirement**: Contribute to retirement plans such as a 403(b) or IRA. Take advantage of any employer matching contributions to maximize your savings.

5. **Side Income**: Consider tutoring, freelancing, or selling educational materials online to supplement your income.

6. **Professional Development**: Invest in courses or workshops that can help advance your career and potentially increase your salary over time.

7. **Debt Management**: Prioritize paying off high-interest debt. Consider consolidating or refinancing loans to lower interest rates.

8. **Tax Deductions**: Be aware of deductions available for educators, such as classroom supplies, which can reduce taxable income.

9. **Insurance Review**: Ensure you have adequate health, life, and disability insurance coverage to protect yourself and your family.

10. **Financial Literacy**: Continuously educate yourself about personal finance. Books, podcasts, and online courses can provide valuable insights.

By implementing these strategies, teachers can work towards achieving their financial goals while navigating the unique challenges of their profession.

03/19/2026

Most new teachers don’t realize their retirement isn’t what it used to be. Older colleagues often have generous pension plans. But many new hires are on reduced tiers, or less-than-ideal benefit structures. Here’s what’s changed:

• Pension formulas are less generous for recent hires
• Vesting periods are longer than before
• Many plans don’t include healthcare after retirement
• Salary averages used for benefits are lower

It’s not just disappointing, it impacts your entire career.

A few numbers:
→ In some states, new teachers retire with 30% less income than those hired before 2010.
→ Some districts now require double the years for full benefits.

If you’re early in your teaching career, it’s worth understanding the fine print. Are you planning your future with the right info?

03/19/2026

36% of teachers plan to retire in the next decade. Some states? It’s closer to 45%.

That’s not just numbers, it’s a wave that’s already hitting schools. Classrooms are losing experienced voices. Districts scramble to fill gaps. Students feel the impact. But retirement isn’t getting easier:

- Pension systems face funding issues
- Policy changes make planning tricky
- Many teachers aren’t sure if their 403(b) will cover their needs

It’s more than a staffing problem. It’s a retirement readiness crisis. For educators, planning ahead matters more than ever:

1. Know your pension and 403(b) options
2. Track policy changes, don’t get caught off guard
3. Start building your financial plan now

Is your district ready for the wave? Are you? How are you preparing for what’s next?

03/18/2026

I recently spoke with a teacher who had been contributing to a 403(b) for over 10 years. When we reviewed the plan together, they realized they had never actually looked at the fees or investment options. This is very common. Many teachers enroll when someone visits the school and never review the plan again. A simple review can make a big difference over time.

Healthcare costs are crushing Americans. Nearly 1 in 3 cut back on basics just to pay medical bills. Some skip meals, ...
03/16/2026

Healthcare costs are crushing Americans. Nearly 1 in 3 cut back on basics just to pay medical bills. Some skip meals, delay family plans, or put off buying a home because healthcare eats up their budget. Stats don’t lie:

- 74% of workers rank healthcare as their top financial worry
- Medical debt is a leading cause of hardship for middle-class families

Why is this happening?

- Premiums keep rising
- Out-of-pocket costs climb every year
- Even with insurance, surprise bills are everywhere

Here’s the reality:

Healthcare isn’t just a medical issue, it’s a financial one.

How many are making tough choices just to stay insured?

Is it time we rethink what “affordable” really means?

Address

Dallas, TX

Opening Hours

Monday 7am - 9pm
Tuesday 7am - 9pm
Wednesday 7am - 9pm
Thursday 7am - 9pm
Friday 7am - 9:30pm
Saturday 7am - 9pm

Website

Alerts

Be the first to know and let us send you an email when Marlon Hannon posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Marlon Hannon:

Shortcuts

Share

Category