403(b) & 457 Plans

A 403(b) is a retirement savings plan designed specifically for public school employees. It works alongside your pension to help fill your retirement income gap. Contributions typically come out of your payroll pre-tax and grow tax-deferred while in the plan, so you only pay taxes when you take the money out.

Some employers also offer a supplemental 457 or 457(b) plan. It is likewise tax-deferred, but it gives you access to your money through loans and unforeseen emergency distributions if the need arises. If your employer offers both a 403(b) and a 457(b), contributing to both can meaningfully increase what you set aside each year.

We know the last thing teachers have is time to learn retirement and tax planning. Our expertise extends to 403(b) and 457 plans and other annuities, with deep experience crafting a diversified approach that puts your money to work in the way that is best for you.