Retirement income plans for school employees
YourPensionCheck.com helps teachers, Administrators, and school staff evaluate their retirement income plan and craft a complete retirement strategy — reviewed against your district's plan, your pension, and your timeline.
The basics
You contribute from your paycheck, your money grows tax-deferred, and you choose from a list of vendors your district has approved. Here's what that means in practice.
Contributions come out of your paycheck pre-tax — no separate transfers or bank logins required.
Your balance grows without annualtaxation — you pay taxes later, typically in retirement.
You choose from a pre-approved list — we review what's on it before recommending anything.
We review your supplemental plan options alongside your pension, so the two are coordinated rather than assessed in isolation.
Where your district offers it, a Roth option lets you contribute after-tax dollars now in exchange for tax-free qualified withdrawals later.
With a Roth account, qualified withdrawals in retirement owe no tax on either your contributions or the growth on top of them.
How it works
Scheduling is built around a school calendar, but the steps themselves are the same as any retirement plan review.
A review of your current situation, goals, and timeline.
We pull your district's vendor list and review your existing contributions.
A strategy matched to your timeline, pension, and goals.
We handle the paperwork with your district to put you on the right path.
Terms
A consultation does not commit you to any product or change.
Any product costs are disclosed in writing before enrollment.
We are not affiliated with your district or a specific 403(b)/457(b) vendor.
Your current balance is not affected unless you authorize a change.
About
Our partners have worked with public school employees on 403(b)/457(b) plans and retirement planning for [over 20 years] — from employees starting their first account to those a few years from retirement. That focus means familiarity with common district vendor lists, pension structures, and contract calendars/deadliners.
YourPensionCheck.com is independent of any school district and any specific retirement income provider.
Client feedback
"I'd been contributing for eleven years and didn't understand what it was invested in. The review explained more than a decade of open enrollment emails did."
"No sales pitch on the first call — just someone who'd read and understood our district's vendor list and how my pension works!"
"We reviewed how my retirement income plan fit with my pension, not just the account by itself. That part wasn't covered elsewhere."
FAQ
A 403(b)/457(b) is one of the only benefits offered by your employer that you have to enroll in manually, because its "supplemental". Additionally a 403(b)/457(b) is a tax-advantaged retirement account available to employees of public schools, state employees, and certain nonprofits. Contributions come through payroll deduction, balances grow tax-deferred (or tax-free with a Roth option, if offered), and vendors are selected from a list your district has pre-approved. Each has higher contribution limits than a traditional IRA and is tax-advantaged regardless of your household income level. BONUS: If your district has both a 403(b) and a 457(b), you may be able to double-up, making this one of the highest potential tax-advantaged savings situations the IRS allows!
Your pension is a separate, defined benefit administered by your state retirement system — we don't manage it directly. Your supplemental retirement income plan(s) supplement your pension. We review all of your plans together, along with any other assets, so your final income strategy accounts for your Total Retirement Income, from both guaranteed and non-guaranteed sources.
No. The initial consultation, pension analysis, and supplemental plan review are free. If you move forward with a new retirement income solution, compensation is typically built into the product itself, standard for a licensed insurance producer — this is disclosed before you sign anything.
You can generally choose from any vendor on your district's approved list, and in many cases can change vendors later. We review your district's current list before recommending anything.
Yes. Our agents are generally open to reviewing your existing account(s), explaining the fees and structure, and providing an assessment of whether your current product still fits your goals or whether an alternative makes more sense. It's important to review your supplemental accounts periodically, say every couple of years, to be sure they're doing what you thought they would. It's prudent to review the newest supplemental plan options available to you every few years also, as these tend to change periodically. The options don't always change for the better, but often times they do offer added features that can benefit you.
Contact
Submit your information and you'll be contacted to schedule a consultation, typically within one business day.