403b

Should I Stop Investing When the Market Is Down? 3 Reasons to Keep Going

Should you stop investing when the market is down? Learn why pausing retirement contributions backfires, with simple dollar cost averaging examples.

TRS 2 to TRS 3: 4 Reasons You Shouldn’t Switch Plans

Thinking of switching from TRS 2 to TRS 3? See what you give up: half your pension, plus new risk, fees, and taxes, with real…

Roth IRA vs Roth 403b for Washington state employees

Roth IRA vs Roth 403(b): 7 Key Differences for Washington State Employees

Roth IRA vs Roth 403(b): the 7 key differences in limits, income rules, funding, access, and RMDs, plus which one Washington state employees should use…

TRS 3 Plan 3 strategy for Washington State employees

TRS 3 Strategy: 6 Things I Would Do If I Was on Plan 3 in Washington State

On TRS 3, PERS 3, or SERS 3? Here are the 6 steps I’d take: the 5% rate, Roth vs pre-tax savings, investments, TAP annuity…

Roth DCP vs TRS 3 and 403b for WA school employees

DCP and 403(b): 2 Reasons WA School Employees Should Switch to the Roth DCP

Should you switch from TRS 3 or your 403(b) to Washington’s DCP? Learn how the Roth DCP gives school employees more control over contributions and…

Retirement savings limits for Washington school employees

How Much Can You Save for Retirement as a Washington School Employee? 4 Accounts Explained

Washington school employees can stack the DCP, a 403(b), a Roth IRA, and an HSA to save 0,900+ a year in 2026. See the limits,…

TRS Plan 2 retirement steps for Washington teachers

TRS Plan 2: 5 Steps I Would Take as a Washington Teacher

On TRS Plan 2? Here are the 5 steps I’d take: open savings, pick Roth or pre-tax, know your TRS annuity options, and weigh the…

403b fees explained for Washington school employees

403b Fees Explained: The 4 Layers of Fees Washington School Employees Pay

Learn the 4 layers of 403b fees: admin and M&E fees, expense ratios, advisory fees, and TPA fees, plus how to weigh cost against the…

Is it too late to start a 403(b) for school employees

Is It Too Late to Start a 403(b)? 5 Things School Employees Should Know

Close to retirement? It’s rarely too late to start a 403(b). Learn the tax perks, the business-loan trick, and the fees and surrender charges to…

How to withdraw money in retirement tax buckets

How to Withdraw Money in Retirement: 3 Tax Buckets Explained

Which retirement account should you withdraw from first? Learn the 3 tax buckets, hidden shadow taxes, and how to plan withdrawals for Washington employees.

Your Washington Retirement Benefits, Explained

When can you retire? How much will your pension pay? What happens to your healthcare? Join our free community for Washington teachers, school staff, and public employees to explore easy-to-follow videos, ask questions, and better understand your retirement options.

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TRS 3 & DCP Investment Advice System

Washington teachers, if you’re feeling overwhelmed by your retirement investments, say goodbye to your anxiety with the TRS 3 Investment Advice System! The TRS 3 Investment Advice Service is a personalized resource that helps you manage your retirement investments with ease.

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Working with a Financial Advisor Who Specializes in TRS & PERS Benefits is Different

Retirement doesn’t have to be stressful for Washington state employees. Schedule a meeting with us to start planning today and experience the freedom and security of a well-planned retirement.

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403b

Your Washington Retirement Benefits, Explained

TRS 3 & DCP Investment Advice System

Working with a Financial Advisor Who Specializes in TRS & PERS Benefits is Different

Learn More

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