Teacher Benefit Services

Our Philosophy
Our mission is to help individuals with the knowledge and tools necessary to navigate the complexities of retirement planning, enabling them to reach their financial goals.

We are committed to offering well-rounded education, tailored financial strategies, and expert support to help our clients achieve financial security and enjoy peace of mind, paving the way for a fulfilling retirement.

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A 403(b) is a smart investment choice for your future.

Adding a 403(b) to your retirement plan can help you build a future you will enjoy. Even if you start with small savings, they can add up over time and make a big difference.

Did you know?

• The 118th Congress passed the Social Security Fairness Act (HR82), which was signed into law on January 6, 2025.

• Most school districts and state pension plans only provide 58% to 69% of your income when you retire. Most state teacher pension websites encourage participation in a 403(b) plan.

• As an employee of a school district or system, you are eligible to participate in a 403(b) plan. This plan is similar to a 401(k) and allows you to save pre-tax money from your paycheck to better prepare for your retirement.

Frequently Asked Questions

Frequently Asked Pension Questions

	How much of my final salary will my pension provide me when I retire?
	Are there any recent or proposed legislation that could impact my pension calculations and payouts?
	Why is my age considered in the pension calculation, and what is the ideal age to retire to maximize my pension income?
	How are my sick days and vacation days factored into the calculations?
	Does my state pension include any disability or life insurance provisions? If so, how do they work?
	How is my pension taxed, and how long will it last?
	How does my state pension affect my Social Security benefits?

Frequently Asked Questions

Welcome to Teacher Benefit Services

Teach - Learn - Retire

Our mission is to help individuals with the knowledge and tools necessary to navigate the complexities of retirement planning, enabling them to reach their financial goals. We are committed to offering well-rounded education, tailored financial strategies, and expert support to help our clients achieve financial security and enjoy peace of mind, paving the way for a fulfilling retirement.

Do you have questions about the Social Security WEP or GPO rules?

Most school districts and state pension plans only provide 58% to 69% of your income when you retire. Most state teacher pension websites encourage participation in a 403(b) plan.

As an employee of a school district or system, you are eligible to participate in a 403(b) plan. This plan is similar to a 401(k) and allows you to save pre-tax money from your paycheck to better prepare for your retirement.

As an added perk, contributing to a 403(b) plan can lower your state and federal taxes.

Did you know that the 118th Congress passed the Social Security Fairness Act (HR82), which was signed into law on January 6, 2025?

Once implemented, the Social Security Fairness Act will remove the WEP and GPO reductions to Social Security benefits for individuals who are also eligible for public pensions from work not covered by Social Security.

Find out how this significant reform impacts you as a teacher or professional in the education industry. We are here to help you understand how these changes will affect your retirement and benefits.