You’re in years 6-15—your highest earning potential as a teacher. But with pension complexity, 403(b) fee traps, and retirement uncertainty, most teachers leave $200,000-$500,000 on the table. We’ll make sure you’re not one of them.
Generic financial advisors don’t understand teacher pensions. They push expensive 403(b) annuities with 2-3% fees. They can’t help with state-specific pension formulas, WEP/GPO elimination, or the unique challenges of mid-career teachers. We’re different.
Calculate exact benefits for CA (2% at 60/62), TX (Rule of 80), NY (Tier 4/6), OH (STRS), IL (TRS), and 45+ other states. Understand multipliers, vesting, COLA, and final average salary.
Enter your current balance and provider. We’ll show you total lifetime cost of your current fees vs. low-cost alternatives. Average savings: $400K-$557K by switching now.
See exact pension increase for working 1-5 more years. Real example: NY teacher age 55 with 29 years gets $29,400/year. Work one more year → $42,000/year. That’s $12,600 more EVERY year for life.
The 2025 Fairness Act eliminated WEP/GPO. If you’re in one of 15 non-SS states but worked elsewhere, you now get full benefits. Average increase: $360/month + $6,710 retroactive payment.
See exactly what you’ll forfeit by leaving now vs. staying until full retirement. Includes pension reduction calculations, lost COLA, healthcare gaps, and PSLF impact if applicable.
Combine pension + 403(b) + Social Security (if applicable) + any other savings. See if you’re on track for comfortable retirement or need to increase contributions. Scenario modeling included.
You’re in the critical optimization window. Most teachers who reach year 6 stay until retirement. Make these years count.
Average teacher in 2% fee annuity vs. 0.5% low-cost index funds. Every year you delay switching costs $30K-$50K more.
Up from 1% pre-2024. If you still have student loans and are mid-career, you’re likely eligible. 1 million+ teachers have been approved.
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State pension calculator (50 states)
403(b) fee comparison tool
Social Security Fairness Act estimator
Retirement readiness quiz
Basic “one more year” calculator
PSLF vs TLF decision tool
Email newsletter with tips
$199
One-Time Payment
Everything in Free, plus:
8-week guided email course
State-specific pension optimization guides
Advanced retirement income projections
403(b) provider negotiation templates
Career transition decision frameworks
Monthly Q&A webinars (1 year access)
Downloadable planning worksheets
$499
One-Time Payment
Everything in Mastery tier
90-minute 1-on-1 video consultation
Personalized retirement projection report
State-specific pension optimization plan
Complete 403(b) portfolio review
Career Transition financial analysis
Social Security coordination strategy
30-day email support follow-up
Annual check-in session included
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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