Retirement & Financial Planning for Teachers in Pennsylvania

Pennsylvania Locations

Teachers and public servants need a unique retirement plan. Our Appreciation Financial agents in Pittsburgh and Philadelphia, as well as online via virtual appointments, specialize in providing teachers and public servants anywhere in Pennsylvania the resources, guidance, and solutions they need to achieve the retirement of their dreams.

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Pennsylvania

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Pittsburgh: 40.439113, -79.772077
Philidelphia: 39.933595, -75.076414
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Pittsburgh
4099 William Penn Hwy Suite 401 Monroeville PA 15146
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Philidelphia
7010 Kaighn Ave at US Hwy 70 Pennsauken, NJ 08109

Services We Offer to Public Servants in Pennsylvania 

Free Pension Review

State pension plans can be confusing and, oftentimes, their poor funding levels result in the need to expand your portfolio outside of the state system. Pennsylvania’s funding ration is under 60 percent. Our retirement specialists for teachers understand how the state pensions work in all 50 states. With our free pension review, we’ll analyze your portfolio and help you answer these and other common questions: 

  • How do your benefits accrue over time?
  • When should you start your pension?
  • What are your pension payment options? 
  • Should you take a lump sum or monthly payments? 
  • How will your pension payments be taxed? 
  • If you leave early, can you take a partial employer contribution with you?
  • How does your pension money fit into your legacy goals?
  • Where else should you be investing in order to build a secure financial future? 

Retirement Planning

A comprehensive retirement plan requires a multi-pronged approach. Most teacher retirement plans involve a 403(b), life insurance, a debt elimination strategy, and more. At Appreciation Financial, our financial advisors will advise you on how to develop a comprehensive retirement portfolio based on your unique needs and goals.

403(b) Investment Advice

A 403(b) plan has become one of the best ways for public employees to save for their retirement, especially if their employer matches contributions. Our experts can help you determine how to fund your 403(b) and understand the options available to you. 

Living Benefit Life Insurance

A traditional life insurance policy pays out a set amount of money to the beneficiary after the policyholder passes away. With living benefit life insurance, the policyholder has access to advanced payments should they become chronically ill and need help covering the cost of medical expenses. 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. We know the world of finances is complex. That’s why we’ve partnered with Encompass to offer our clients access to their online Financial Wellness Center. Their investment, savings, and budgeting tools will help you figure out how to avoid and eliminate debt, purchase a home, save for college tuition, and plan for your retirement.

Pennsylvania Public School Employees’ Retirement System

All new teachers in Pennsylvania are automatically registered for the Public School Employees’ Retirement System (PSERS). The PSERS is a defined benefit plan that offers you a monthly pension once you perform a specified amount of service and then retire. However, as we mentioned above, the Pennsylvania State Pension is only 56 percent funded. Our agents in Pennsylvania or online can help you maximize your assets in the State Retirement System while investing in other retirement income avenues that will provide you 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