Services We Offer to Florida Teachers
Free Pension Review
In Florida, the state-run pension plan is still a strong option for teacher retirement income. But with all the moving parts, a pension can be complicated and hard to understand. Pension analysis with Appreciation Financial will help you answer these questions:
- When should you start your pension?
- Should you take your pension as an annuity or a lump sum?
- If you leave early, can you take a partial employer contribution with you?
- How do your benefits accrue over time?
- What type of survivor option should you choose?
Planning for retirement can be a confusing process. What retirement income sources should you fund or invest in? How much should you be investing? How do you optimize and diversify your portfolio? What insurance plan should you choose? These are questions our experts at Appreciation Financial are uniquely trained to answer for public school employees and public servants. We’ll provide you with a personalized analysis of your portfolio and advise you on the best ways to invest for a successful retirement.
403(b) Investment Advice
As government funding of teacher pension plans decreases, investing in a 403(b) has become one of the best ways for teachers to save for their retirement. Like most retirement income options, there are numerous 403(b) plans out there and choosing the right one can be difficult. Our experts can help you find a plan that will allow your money to grow for the future you imagine. Some public schools will match 403(b) contributions.
Living Benefit Life Insurance
In the event that long-term care is necessary and medical bills increase as you age, it’s important to have a plan in place that will help you cover those costs. At Appreciation Financial, we’ll take a look at your portfolio and see if investing in living benefit life insurance would help you prepare for these needs down the road. A living benefit life insurance is unique in that it allows the policyholder to access advanced payments should they need immediate help covering the cost of medical expenses.
One of the key factors to successful retirement planning is debt elimination. If you’re a teacher with student loan or other debt, Appreciation Financial is here to help you get free. We’ve partnered with the debt reduction experts at MPowering America who have helped thousands of people cancel millions of dollars in debt and interest. They’ll help you determine if you qualify for the teacher loan forgiveness program and which ways for getting out of debt are best for you.
As financial advisors to teachers, it’s only fitting that one of our core values at Appreciation Financial is knowledge. That’s why we’ve partner with Encompass in order to offer our clients access to their online Financial Wellness Center. Take control of your financial future with educational videos and articles, planning calculators, and other retirement management tools.