Understand your teacher retirement accounts before you decide anything.
Your pension, your 403(b), and any old accounts from past jobs all work differently — and most educators have never had someone walk them through how the pieces fit together. That's what this site is for.
- How your TRS pension is actually calculated
- What an old 403(b) or 401(k) is quietly costing you
- Whether a 457 makes sense alongside your pension
- Questions worth asking before you sign anything
This is general education, not a recommendation for your specific situation. A personalized review requires a conversation about your own numbers.
Retirement plans for educators are more complicated than most people realize.
Between a state pension, an optional 403(b), a possible 457, and accounts left behind at old jobs, it's common for an educator to have four or five different retirement pieces — and no single source explaining how they work together.
You get the plain-language version
No jargon, no sales language. Every guide on this site is written the way we'd explain it to a colleague at lunch.
Education comes before any conversation
You can read every guide on this site, use the checklist, and never talk to anyone. The review is offered, never pushed.
Nothing here is generic advice
General information helps you ask better questions. Your actual numbers deserve a real conversation, not a guess.
A complimentary review looks at the whole picture.
Your TRS pension
When you're eligible, how your benefit is calculated, and what decisions affect the final number.
Your 403(b) or 457
Whether your current contributions, fees, and investment mix line up with when you actually plan to retire.
Accounts from past employers
Old 401(k)s, 403(b)s, and IRAs that may still be sitting where you left them, quietly collecting fees.
The gaps between them
Where your pension, Social Security, and personal savings may leave a shortfall — and what your options are.
Four steps. No pressure at any point.
Short questionnaire
A few minutes on your accounts and timeline — nothing binding.
Schedule a Zoom
Pick a time that works around your school schedule.
Meet with a professional
A real conversation about your accounts, in plain English.
Get your review
A personalized summary you can keep and think over.
What people say after their review.
"Working with him gave me real confidence in my plan. He stays on top of everything and walks you through every step — I trust his guidance completely."
"He made sure I actually understood how my 403(b) works, what could help it grow, and how to build a real plan around it — not just a sales pitch."
"Meeting him at a retirement seminar was a refreshing, no-pressure look into my options. He took the time to go through my accounts in detail."
A few things educators usually ask first.
Is this affiliated with TRS or my school district? +
No. TeacherRetirementHQ.com is an independent educational resource. We are not affiliated with the Teacher Retirement System, any school district, or any government agency.
Does the review cost anything? +
No. The retirement review is complimentary and there's no obligation to act on anything discussed.
Who actually conducts the review? +
Reviews are conducted by a retirement professional with HavenPoint Retirement Strategies, a licensed Texas retirement planning firm. You'll see this clearly before you schedule anything.
Ready to see the whole picture?
A complimentary review, at no cost, with no obligation.