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For many teachers, retirement planning often takes a back seat to day-to-day responsibilities. Lesson planning, grading, family commitments, and packed schedules make it easy to delay long-term financial decisions. However, one of the most valuable tools available to educators is the 403(b) retirement plan. Knowing how much to contribute at different stages of your career can significantly shape your financial future. The right contribution strategy brings clarity, confidence, and flexibility when retirement finally arrives.
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For state employees, a pension is often the most valuable long-term benefit of public service. However, many employees underestimate how pension plan vesting rules affect their retirement security when they change jobs. Leaving state employment before meeting pension plan vesting requirements can result in the permanent loss of employer-funded retirement benefits.
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You don't need a financial advisor for your 401(k). Still, they can be very beneficial if you're unsure about investing, have complex finances, or want personalized guidance for goals beyond retirement. While working with an advisor adds costs, it can also bring clarity, confidence, and structure to your decisions.
Read MoreFind answers to common questions about federal pensions and our advisory process.
The advice you receive from your advisor varies depending on your specific financial goals and retirement needs.
Since advisors do not automatically have access to any of your retirement accounts or records, ensure you come prepared with all of the information the advisor may need to accurate advise you.
Of course, all the advisors in our network are fully vetted. They are licensed in their respective states and have no record of bad practices or criminality. If you need more information, call us today.
Yes, you can count on us to help with your specific state pension systems. We can easily connect you with the pension advisors who are trained in your specific state pension system. Get in touch right away.
Yes. We connect you with advisors who are trained on your specific state pension system.
Based on your specific retirement goals, the state you are located in and whether you are a State Government or University employee, we have advisors who can help.
For this, we do an initial consultation where we explore your specific retirement goals, background, and location. Once done, we forward your case to an advisor that best matches your needs and situation. For more information, call us.
We are an independent network of financial advisors specializing in the state pension systems of the United States. State Pension Advisors connects State Government and University employees with financial advisors specializing in their specific state pension system to offer the best advice to reach their retirement goals.
The advisor will want to get to know your retirement goals and need and as much information as possible to propose the best strategy to get you there. The initial meeting is all about getting to know you and what you need.
Any State Government or Higher-Education (University or Community College) employee.
Advisors must be fully licensed in their respective states, and have no record of criminality, or bad practices as an advisor.
All meetings with advisors or agents are completely free.
All agents and advisors are independent and are not associated with nor employed by your employer. This allows the advisor to provider a broader range of options and remain completely unbiased.
You can count on us to explore your goals and help you achieve them. With our help, you can make informed decisions regarding your state pension and retirement in a stress-free way. If you need more information, feel free to contact us.
