Best Financial & Retirement Planning Advisors for Teachers In Colorado
Colorado Locations
Our branch in Englewood, Colorado serves teachers and public servants in the Greater Denver area. For anywhere else in Colorado, speak with one of our agents via virtual appointment. At Appreciation Financial, our goal is to help educators and public employees choose the investment and income solutions that work for them. Our experts in financial planning for teachers can help you build a portfolio that results in a comfortable, secure retirement.
Colorado Teachers Retirement
Free Pension Review
If you're a teacher in Colorado, the unfortunate truth is that your state-run pension plan is largely underfunded. 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?
Colorado Teacher Retirement Planning
Planning for retirement can be a confusing process. When it comes to public employees, it requires foresight and special knowledge about the retirement income sources available to you. That's where we come in. Our field agents in Colorado can leverage their existing knowledge and extensive training on your behalf to ensure your family's needs are uniquely addressed with your 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. Our experts can help you find a plan that will allow your money to grow for the future you imagine.
Living Benefit Life Insurance
A comprehensive retirement plan must take the eventual realities of long-term care and increased medical costs as you age into consideration. At Appreciation Financial, we'll work with you to find the best retirement income sources available that will give you peace of mind should these expenses come your way. One product we recommend is a living benefit life insurance that allows the policyholder to access advanced payments should they need immediate help covering the cost of medical expenses or long-term care.
Debt Solutions
For so many in America, debt elimination threatens their ability to plan for a comfortable retirement. If you're a teacher or public servant with student loans or other debt, Appreciation Financial is here to help you achieve financial freedom. 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 your best options for getting out of debt and if you qualify for the teacher loan forgiveness program.
Education
As financial advisors to teachers, it's only fitting that one of our core values at Appreciation Financial is knowledge. Our partnership with Encompass enables us to offer our clients access to their online Financial Wellness Center. Their incredible resources will empower you to take control of your financial future with educational videos and articles, planning calculators, and other retirement management tools.
Colorado Public Employees’ Retirement Association (PERA)
Colorado PERA provides retirement and other benefits to the employees of more than 500 government agencies and public entities in the state of Colorado. It offers resources and a plan for every career stage, and provides a number of unique funds and programs that are tailored to fit your life. Our agents in Colorado or online can help you maximize your assets in the State Retirement System while optimizing and diversifying your portfolio outside of the system.
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!