State Pension
Guaranteed monthly check governed strictly by state system rules, tier placement, and years of service.
Pension plus savings
Your 403(b) has two critical jobs: close the pension gap and defend your purchasing power.
A state pension provides your predictable income baseline. A 403(b) account provides the growth, control, and flexibility your pension cannot.
A useful starting point
Two distinct tools. One complete retirement.
Your pension and your 403(b) account are designed to do completely different things. Understanding how they complement each other is key to an intentional plan.
403(b) Account
Employee-controlled retirement savings that offer tax-advantaged growth, penalty-free options, and personal payout flexibility.
Two potential roles
Pension for stability. A 403(b) for flexibility.
Your pension check is fixed and predictable, but life rarely is. A 403(b) account creates dedicated resources for unexpected expenses, early retirement, healthcare spikes, or legacy planning.
Your pension handles the baseline budget. Your 403(b) account creates the freedom to fund the lifestyle, timing, and choices you want.
Every dollar has a clear role.
A fixed foundation
Your pension serves as your primary floor, providing steady monthly income in retirement.
The income gap
Without extra strategy, rising costs and lifestyle needs can create a shortfall over time.
Explore the pension income gapA 403(b) account
Utilize a 403(b) account to bridge the gap, safeguard against inflation, and preserve your cash flow.
A CONVERSATION CAN HELP
What could your pension plus a 403(b) look like?
See your future pension estimate and 403(b) options in one clear review to see how your complete retirement picture stacks up.
Schedule a Pension Review