Retirement & Financial Planning for Teachers in New Jersey

New Jersey Locations

Our Appreciation Financial agents in Newark and Roselle, as well as online via virtual appointments, provide teachers and public servants anywhere in New Jersey the resources, guidance, and solutions they need to plan for a secure financial future. You need a retirement plan specifically designed for teachers. Let our agents’ unique knowledge and experience help you build a portfolio that will result in the retirement of your dreams.

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New Jersey

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Newark: 40.737444, -74.174530
Roselle: 40.659107, -74.263003
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Newark
17 Academy Street Suite 517 Newark NJ 07102
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Roselle
129 Chestnut Street Roselle NJ 07203

Services We Offer to Public Servants in New Jersey 

Free Pension Review

If you’re a public school teacher or employee, understanding the ins-and-outs of your state pension plan is one of the first aspects of planning for your retirement. Our retirement specialists for teachers understand how the state pensions work in all 50 states. New Jersey’s State Pension is one of the most underfunded in the country at only 36 percent. We will review your pension for free and help you answer these and other questions: 

  • When should you start your pension?
  • Should you take your pension as a lump sum or monthly payouts for the rest of your life?
  • 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?
  • How does your pension money fit into your legacy goals?
  • How healthy is your state’s pension plan?
  • Where else should you be investing in order to build a secure financial future? 

Retirement Planning

A comprehensive retirement plan is a multi-step process that involves taking into consideration time horizon and retirement spending needs as well as a risk assessment of your investments. Our agents will seek to understand your retirement goals, provide you with a personalized analysis of your portfolio, and advise you on which retirement income sources bets fit into your vision.

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 public employees to save for their retirement. But which 403(b) plan should you choose and how should you fund it? Our experts can help you find a plan that will allow your money to grow for the future you imagine. 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

A traditional life insurance policy ensures that your loved ones will be provided for after you pass away. However, what happens if you are unable to pay for long-term care or growing medical bills as you age? Unlike standard life insurance plans that payout 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. 

Debt Solutions

Planning for a successful retirement requires debt elimination. One of our primary goals at Appreciation Financial is to help teachers and public servants with student loans or other debt get free. To do this, 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!

Education

At Appreciation Financial, we believe knowledge is power. The more you understand financial and retirement planning, the better outcome you’ll have. Our partner Encompass offers clients of Application Financial access to their online Financial Wellness Center where you’ll find outstanding financial and retirement management tools. Navigate budgets, home and mortgage payments, estate planning, investments, savings, college funds and more all in one place!

New Jersey Public Employees’ Retirement Systems

New Jersey’s defined benefit plan promises public school employees a lifetime annuity. However, as we mentioned above, the New Jersey State Pension is only 36 percent funded. Our agents in Newark and Roselle or online can help you maximize your assets in the State Retirement System while looking into other retirement income avenues that will set you up with a comfortable financial future.

 

Why Choose Appreciation Financial if You’re a Teacher?

Appreciation Financial is a full-service retirement planning company serving the unique needs of public employees and their families. With over 60,000 teachers as clients across the United States, we’ve come to excel at assisting public employees reach retirement successfully. Our mission is to help public employees make their income last their entire life because they deserve to have a comfortable retirement. Call us today to find out how we can help you build a strong financial future!

 

(877) 492-5158