Throughout this page, you will find links to our Exclusive Public School Employee Scheduling Page. Please utilize us as a resource!
We have been lucky enough to partner with local public school districts for a number of years to help employees truly understand what they have available to them. Our group has specialized in this area since 2003. We are independent financial advisors that pride ourselves on ALWAYS doing what is in the Best Interest of our clients first and foremost.
If you joined the pension system before January 1st, 2010, chances are you are in Tier 4. Highlights for those in Tier 4 include:
If you joined the pension system Between January 1st, 2010 and March 31st, 2012, you should be in Tier 5. Some highlights of Tier 5 are:
If you're not a Tier 4 or 5, you are probably a Tier 6 employee in the NYS Pension. This means you were hired in NYS after April 1st, 2012. Some highlights of your tier:
There are a lot of options which can be a good thing or a bad thing. It's bad because it can certainly be overwhelming especially when you probably haven't heard of a lot of the companies.
The good thing is with a lot of options, comes a lot of competition. You can think of it as a list of companies competing for your business! We would be happy to go over this list with you to determine what makes the most sense right now. Some things that you should consider before choosing which of these companies to utilize.
This is such an important question and one that is really so personal to you and your situation. The differences are below. Which one you should be emphasizing more depends on a number of factors and will most-likely change several times over the course of your career. Let us help you! Some school districts don't offer a Roth option, but there is other ways you can save on a Roth basis, like in a Roth IRA.