Authenticity Financial
Kevin Roche

Kevin Roche, CFP®

Senior Vice President, Wealth Advisor, CFP®

Authenticity Financial · Powered by Farther — SEC-registered investment advisor

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Kevin Roche, CFP®, helps professors and healthcare professionals turn complex pensions and taxes into clear, confident retirement plans. As a fiduciary advisor, Kevin provides holistic financial planning that puts your interests first. After years advising at institutions like USF, Stanford, UCSF, and WestEd, Kevin specializes in decoding the fine print of 403(b), 401(a), and pension contracts, including fixed annuities, guaranteed accounts, and TIAA Traditional, identifying what's liquid, what's locked, and when in-service rollovers make sense after 59½.

His planning incorporates taxes into holistic financial planning, including cash flow planning, multi-year tax bracket strategies, Social Security timing, and minimizing lifetime tax and income drag. He helps coordinate Social Security and RMDs, and timing Roth conversions to maximize lifetime after-tax income, not just this year's refund. As a fiduciary, Kevin is committed to acting in your best interests. Provides tax-aware planning; not a CPA/tax advisor. Consult a CPA for tax filing. If you're an academic or clinician considering a move, retiring soon, or simply unsure what your pension contract means, Kevin will translate your statement into a step-by-step strategy and align your investments to it.

Away from work

Kevin lives in the San Francisco Bay Area with his wife Mikaela, son Cameron, and their Golden Retriever Moose. Kevin has a dual bachelor’s degree in Business Administration/Finance and Philosophy with a focus on Ethics, from California State University at Fresno, and nearly 20 years of experience working in financial services. He is the son of European immigrants, and aside from spending time in the San Joaquin Valley during college, he has lived in San Francisco or the East Bay Area for his entire life. Outside of work he enjoys cooking, gardening, going to the gym, and taking Moose on long walks. Check out his newsletter to see what he’s harvested from the garden recently or which recipes he’s cooking up in the kitchen.

Kevin Roche sitting in his garden holding Moose, his Golden Retriever
Kevin and Moose in the garden
Kevin Roche picking cherries in an orchard
Cherry picking in the Central Valley
Moose the Golden Retriever sitting on a pier at Lake Tahoe
Moose at Lake Tahoe

Retirement planning for California professors

A closer look at how Kevin works with academics across the UC, CSU and community college systems — UCRP, CalSTRS, CalPERS, 403(b), 457(b) and TIAA.

Read the guide

Areas of focus

  • Financial Planning
  • Retirement Planning
  • 403(b) Plans
  • 401(a) Plans
  • Pension Analysis
  • Tax Planning
  • Roth Conversions
  • Social Security Timing