In Texas, various pensions are offered, from ERS, which covers state government employees, to TRS, which covers educators. These pension systems are generally
It depends. There are two critical laws that Texas teachers should know about that can impact whether you will receive Social Security.1
The Windfall
Unfortunately, many educators have bad choices regarding 403(b) defined contribution plans. These are plans to set aside money in each paycheck that goes into
When separating from civil service or retiring, I often get asked what to do with the money in my old Thrift Savings Plan or TSP?
There is no one easy answer
A recent 2020 survey of members of TRS showed that younger active TRS members are less confident that they will have enough money saved for their retirement.1 T
The federal government has a more generous retirement program than most other levels of government and the private sector. You essentially have three components
Investors are always looking for safe investments, especially in times of market volatility. We are indeed in unusually times with inflation levels not seen in
Typically, investing is not made simple by the industry. Pundits talk about how they have the next great investment—the cure-all for your investment woes. There
If you work in a tech startup, one of the perks of this job is employee equity. The standard type of equity offered to early startups before they IPO is
The Thrift Savings Plan (TSP) is one of the best 401(k) plans out there. It has meager expenses and is straightforward to manage. You are only dealing with
