If you teach in a public school or work in a school system, you likely have a state pension, a 403(b), a 457(b), or some combination. Each one answers different questions: Should this money grow or stay safe? When can I actually retire? How do I move old money to better investments? Below are the services that address these for educators nearing retirement or planning their next steps.
Index fund portfolios
Who manages your 403(b) funds? Green State Credit Union index fund portfolio management: low-cost funds, one mix, tax effect written down first.
Learn more →403(b) rollover
Most teachers start looking after a shift that makes last year's plan feel shaky.
Learn more →457(b) plan advice
Have your latest 403(b) statement, your pension estimate and the plan summary for your 457(b) nearby, and the examples will make more sense.
Learn more →Teacher retirement planning
Within six weeks of the intro call you receive a written plan of about 10 pages, plus a one-page calendar of the ages when each tax rule switches on.
Learn more →Pension payout options
We start by lining up every option on the plan's benefit estimate (single-life, period certain, partial lump sum, leveling) and dividing any lump sum by the yearly pension it gives up to find the break-even age.
Learn more →Roth conversion planning
The first step is a map of your income for every year from today to the RMD age of 75 (for anyone born in 1960 or later), with the pension, salary and Social Security already filled in.
Learn more →Retirement tax planning
The first step is listing every pre-tax dollar by account, along with the year the IRS forces it out.
Learn more →