After 15+ years of dedication, you deserve every dollar your pension promises. One wrong decision about timing can cost you $100,000-$300,000. We’ll help you optimize your final years and navigate the complex transition to retirement.
Generic financial advisors don’t understand teacher pensions. They push 401(k) strategies that don’t apply to defined benefit plans. They don’t know about WEP/GPO. They’ve never heard of the Rule of 80. You need specialists who understand YOUR retirement system.
Calculate your exact optimal retirement date based on:
If you enrolled in PSLF or TLF in your early years:
Calculate EXACTLY what healthcare will cost from retirement until Medicare at 65:
NEW for 2025! Calculate your restored Social Security benefits:
For teachers who:
Outputs:
Maximize your FAS during your final calculation years:
Strategies included:
State-specific guidance:
Some states offer lump-sum buyouts or DROP programs. Should you take them?
Analyzes:
Critical factors:
Your pension system’s funding level matters. We track all 50 states and alert you to concerns that might affect your benefits.
Strategic planning in your final years—timing retirement, maximizing FAS, understanding formulas—adds this much on average to lifetime benefits.
After working with us, 93% of near-retirement teachers report feeling confident about their financial future (vs. 31% before).
Best For: Self-directed teachers who want to DIY their planning
Best For: Teachers within 5 years of retirement who want comprehensive guidance
Best For: Teachers retiring within 1-3 years who want expert analysis and personalized strategy
Specialized financial guidance for every stage of your teaching career
Real financial strategies for real teachers. No generic advice, no sales pitches.
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