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Most teachers are sold a 403(b) by whichever vendor showed up at the school first. Hidden fees, low caps, and the wrong pension election can quietly cost a teacher hundreds of thousands of dollars over a 30-year career.
Free 403(b) review. Free pension maximization analysis. No cost, no obligation.
Side-by-side comparison of your current 403(b) fees, caps, and surrender terms against better available options.
Run the numbers on single-life vs. joint-and-survivor pension elections and whether a life insurance offset makes sense.
Pair your pension and 403(b) with a tax-free income stream so you're not 100% dependent on taxable withdrawals.
If your district offers a 457(b), we coordinate it with your 403(b) and personal IRA to maximize tax-advantaged dollars.
When you retire or change districts, roll your 403(b) into an IRA or FIA without triggering a tax bill.
Some teachers are affected by WEP/GPO. We model claiming strategies that account for both.
Many 403(b) variable annuity products carry 2-3% in combined M&E, fund, and rider fees, dragging real returns to almost nothing.
Picking joint-and-survivor without modeling the alternative can permanently reduce lifetime household income by tens of thousands.
Most teachers retire with everything in taxable buckets. A small tax-free layer protects against future rate hikes.
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Stanley Gauss personally takes your call. No pressure, no jargon, no obligation. Just a straight answer to your question.
Available Mon–Fri, 9am–6pm ET.