Pension & 403(b) planning resources

K-12 State Pension & District 403(b) Planning

Your State Pension Is the Baseline. Your District 403(b) Helps You Build Beyond It.

Your state pension can provide an important retirement-income foundation, but your projected benefit may not cover all of your retirement-income needs. We help K-12 employees evaluate their state tier calculations alongside local district 403(b) options to build a clearer retirement-income picture.

Schedule a Retirement Review Explore the planning framework
A teacher helping students with classroom work.
Retirement-income framework Illustrative
Time horizon
Duration
Inflation
Purchasing power
Income needs
Personal input
A planning framework showing the pension as a baseline alongside a district 403(b), other retirement resources, and key planning factors. Bar lengths are illustrative and do not represent financial outcomes.

Planning framework

Build Outward From Your Pension Base

A progressive step-by-step path to evaluate pension caps, inflation risks, and your 403(b) strategy.

01Baseline

Calculate Your Pension Income

Review service years, multipliers, and salary caps to establish your projected monthly pension baseline.

See what to review

02Inflation

Stress-Test Purchasing Power

Model how COLA caps and long-term inflation erode fixed pension checks over a 25-year period.

Explore purchasing power

03403(b) Strategy

Build Beyond the Pension

Use payroll contributions to build a separate 403(b) retirement asset alongside your pension.

Understand 403(b) role

Visualizing your retirement

See your pension and a 403(b) account in one clear view.

Your pension can provide an important retirement-income baseline. A broader review can help identify the difference between projected pension income, retirement income needs, and available 403(b) and retirement resources.

A district 403(b) account, where available and appropriate, may be one resource to consider as part of that broader retirement picture.

Explore retirement readiness

Retirement Paycheck Breakdown

Current Pre-Retirement Paycheck

100% Salary

Illustrative Pension-Only Income

55% Pension baseline45% Illustrative gap

Illustrative Pension + 403(b) Plan

55% Pension35% 403(b) account10% Other resources

Illustrative example only. Pension formulas, service credit, salary history, plan provisions, contribution levels, investment results, and other retirement resources vary by individual and retirement system.

Ready for your review?

Put Your Retirement Strategy to the Test

Get a focused retirement review of your expected pension payout, understand how inflation impacts your buying power, and create a straightforward plan.