Bringing You Closer to a Worry-Free Retirement

How confident are you about your retirement? If you feel a bit uncertain, you're not alone. We’re here to make sure you’re on the right track.

By participating in your employer’s 403(b) or 457(b) plan, you’re already taking a big step toward a financially secure retirement that supports the lifestyle you deserve.

The Power of Tax-Deferred Growth

One of the biggest benefits of contributing to a tax-deferred retirement plan is the potential for your money to grow faster. Dividends, interest, and capital gains can all accumulate without the burden of taxes until you start withdrawing funds, allowing your savings to build over time.

The Choices You Make Today Shape Your Tomorrow

Retirement should be a time to embrace life and explore new adventures—not to worry about money. With smart planning, your golden years can be full of opportunities. But without it, you might find yourself working longer than planned, cutting back on expenses, or even relying on family for financial support.

Avoid the Retirement Income Gap

Many individuals, especially school district employees, see a sharp drop in income after retiring—even with a pension plan. Will your pension alone be enough to cover increasing living expenses? Proper planning ensures you’re prepared for the gap between your pension and the lifestyle you envision.

What is a 403(b)?

A 403(b) plan is a specialized retirement savings option designed for employees of public schools, non-profits, and certain religious organizations. Think of it as a financial cushion that works alongside any pension your employer may offer.

With a Traditional 403(b), your contributions are tax-deferred, meaning you pay taxes on the money when you withdraw it during retirement. With a Roth 403(b), you pay taxes upfront, but your savings grow tax-free over time, giving you the freedom to enjoy your hard-earned money without future tax worries.

More Savings, Same Take-Home Pay

With a pre-tax contribution, you can save more for retirement without reducing your take-home pay. Here’s how it works:

As you can see, contributing pre-tax allows you to save more while keeping your take-home pay the same.

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Time is Your Greatest Ally

When you start early, even small increases in your retirement savings can make a big difference in your future. The earlier you begin, the more time your money has to grow, bringing you closer to the retirement you’ve always dreamed of.

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