Services We Offer to North Carolina Teachers
Free Pension Review
The first piece of the retirement puzzle for most public employees is their state pension plan. Our retirement specialists for teachers will 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?
In addition to your pension, you’re probably considering other retirement income sources and planning strategies. Our field agents in North Carolina will 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
You may be familiar with what a 403(b) is, but you may not be sure how to optimally fund a 403(b). Like most retirement income options, there are numerous 403(b) plans out there, and selecting the right one can be difficult. When you speak with one of our retirement planning agents, they’ll help you select the options that 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.
If you want to plan for a successful retirement, debt elimination is key. 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!
We’re financial advisors to teachers, so one of our core values is knowledge. Our partnership with Encompass allows us to offer our clients access to their online Financial Wellness Center. Their resource center provides outstanding financial and retirement management tools that will help you navigate budgets, home and mortgage payments, estate planning, investments, savings, college funds and more.