Services We Offer to Indiana Teachers
Free Pension Review
As retirement specialists for teachers, we believe that it’s never a good idea to rely solely on a public pension plan when states are facing so many financial challenges. At Appreciation Financial we’ll review your pension for free and 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?
- Where else should you be investing in order to build a secure financial future?
Planning for retirement is not a straightforward task. As educators, you have numerous retirement income sources available. But which are the best for you and your family? That’s where our field agents in Indiana can leverage their existing knowledge and extensive training to ensure your needs are uniquely addressed with a comprehensive retirement plan. 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 selecting the right one can be difficult. Talking to one of our retirement agents can help you plan the formula that would work best for you. If your school system matches contributions to your 403(b), we recommend choosing the best mutual fund options included in your plan and contributing enough to receive the match.
Living Benefit Life Insurance
An often overlooked aspect of retirement planning is the potential expense of long-term care. Unlike standard life insurance plans that pay out when you pass away, living benefit life insurance allows the policyholder to access advanced payments should they need immediate financial help. At Appreciation Financial, we’ll take a look at your unique retirement portfolio and see if a living benefit life insurance policy would be right for you.
The first step to planning for a successful retirement is debt elimination. If you’re a teacher or public servant with student loans 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. Take control of your finances today!
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 partnered with Encompass in order to offer our clients access to their online Financial Wellness Center. Their financial and retirement management tools will help you navigate budgets, home and mortgage, estate planning, investments, savings, college funds and more.