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410 Motor Parkway, 2nd Floor, Hauppauge, NY 11788

631-389-2358
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403(b) Checkup

Free 10-Minute 403(b) Checkup for Educators | Atlas Benefits Advisor
Atlas Benefits Advisor
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FIDUCIARY • FEE-TRANSPARENT • 20+ YEARS

What Are Hidden Fees in Your 403(b) Really Costing You?

Get clear answers about hidden fees, performance, and your next steps in a complimentary 10-minute checkup.

Designed specifically for Long Island educators and nonprofit professionals. No obligation. No pressure.

Schedule My Free 10-Minute Checkup
100% Free
•
No obligation
•
Takes < 60 seconds to book

Led by Christopher J. Vargas, LUTCF® — 20+ years helping educators protect and grow their retirement

20+
Years Experience
Fiduciary Standard
Your interests always come first
Fee Transparent
We show you exactly what you pay
Long Island Focused
Specializing in K-12 & nonprofit professionals
WHAT YOU'LL WALK AWAY WITH

Clear Answers. Real Clarity.
No Pressure.

We cut through the complexity so you can make confident decisions about your retirement.

Uncover Hidden Fees

We identify expense ratios, M&E charges, administrative fees, and other costs that can quietly reduce your retirement savings over time — often without you realizing it.

Many educators are paying more in total fees than they realize.

Understand Your Coverage

Get a clear picture of exactly what your 403(b) and any group life insurance provide — and identify gaps that could leave you or your family exposed.

We review allocation, risk level, and beneficiary details together.

Actionable Next Steps

Receive straightforward, compliant recommendations you can actually implement inside your existing plan — no products pushed, just better options explained.

You decide what (if anything) to change.

How Your Complimentary Checkup Works

Simple. Private. Designed for busy professionals.

1

Book Your Slot

Choose a convenient 10-minute window that works with your schedule. No forms to fill out in advance.

2

Quick Review Call

We’ll review your latest 403(b) statement together, look at fees, performance, allocation, and any group life coverage. You ask questions. We give straight answers.

3

Clear Recommendations

You’ll receive honest, written next steps you can take inside your plan’s approved investment menu — with zero obligation to move forward.

Have your most recent 403(b) statement or login ready. We’ll guide you through everything else.
YOUR FIDUCIARY PARTNER

Meet Christopher J. Vargas, LUTCF®

With more than 20 years dedicated to helping K-12 educators, school employees, and nonprofit professionals across Long Island, Christopher built Atlas Benefits Advisor on one simple principle: put the client’s interests first — always.

He specializes in 403(b) optimization, pension strategies, and group benefits — delivering high-touch, tech-enabled planning without the complexity or pressure.

LUTCF® Certified
Long Island, NY
Fiduciary
Why Educators Choose Christopher
  • • Deep expertise in NY educator retirement systems and 403(b) plans
  • • Transparent about compensation and recommendations
  • • Focus on keeping more of what you earn — not selling products
  • • High-touch service with modern tools for busy professionals
REAL EDUCATOR STORY

Maria’s 403(b) Transformation

Elementary School Teacher • 22 Years Experience • Long Island, NY

Before the Checkup

  • • Total fees: 1.85% annually (M&E charges alone ~1.2–1.25%)
  • • Performance consistently lagged benchmarks by 2–3% per year
  • • Asset allocation too conservative for her 15+ year horizon
  • • Group life coverage had coverage gaps and above-market premiums

After Recommendations

  • • Fees reduced to under 0.60% total
  • • Switched to low-cost, diversified index-based options
  • • Allocation realigned to her actual retirement timeline
  • • Better group life coverage at a lower premium
ILLUSTRATIVE EXAMPLE
In this example, the educator reduced total annual fees from 1.85% to under 0.60%.
Lower fees can meaningfully support
long-term retirement savings over time.

* This is an illustrative example based on a real client situation. Individual results vary based on plan options, contribution history, and market conditions. Past performance is not indicative of future results.

BOOK INSTANTLY

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All times in Eastern Time • Instant email confirmation

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Common Questions from Educators

We believe in radical transparency. Here are the answers you deserve.

Ready to See What Your 403(b) Is Really Costing You?

Book your complimentary 10-minute checkup today. No obligation. No pressure. Just clear, honest answers.

Book Instantly Below

Or scroll down to pick a time that works for you • Limited spots available each week

Atlas Benefits Advisor

410 Motor Parkway, 2nd Floor • Hauppauge, NY 11788

(631) 389-2358
Fiduciary Standard • Fee Transparent • Modern Planning for Educators & Nonprofit Professionals
This is not investment, tax, or legal advice. Individual results vary. Consult your plan documents and a qualified professional before making decisions. Atlas Benefits Advisor is a fiduciary when providing advisory services.
Helping Educators &#38; Nonprofit Heroes Keep More and Stress Less!

Helping Educators & Nonprofit Heroes Keep More and Stress Less!

Get a free 10-minute checkup to learn what your plan is really costing you.

403(b)Checkup.com Sample Case Study

403(b)Checkup.com Sample Case Study

Maria’s 403(b) Review: Identifying High Fees and Making Straightforward Improvements

403(b) Tax Sheltered Annuity Overview

A 403(b) plan, also known as a tax sheltered annuity plan (TSA), is a retirement savings plan that allows employees to defer some of their salary into individual accounts. These plans are offered by public schools and certain charities, such as churches and nonprofit organizations, and are like 401(k) plans.

Learn more

403(b) vs. 457(b): Key Difference

Both 403(b) and 457(b) plans are tax-deferred retirement savings accounts offered by employers, but they have key differences in eligibility, contribution limits, and withdrawal rules.

Learn more

Book Free Review

Choose a day and time that works best for your schedule.

10-Minute Call

We will review your 403(b) and answer your questions.

Get Insights

Receive clear recommendations you can use right away.

Schedule My Free Review
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Find Hidden Fees

 We pinpoint costs you may not realize you’re paying.

Coverage Clarity

Understand exactly what your plan includes.

Clear Direction

Know what steps to take next.

Why Nonprofit Employees Trust Us

Trusted guidance. Clear answers. No pressure.
We help nonprofit professionals understand their 403(b) plans with straightforward insights they can actually use.


Learn More About Atlas Benefits Advisor

Tired of high fees eating into your retirement savings? We're here to help nonprofit employees and organizations save money and protect your future - quickly and easily!

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