Comprehensive Wealth Management
for Educators
At Teachers’ Path Financial Planning, we offer specialized financial services tailored to the unique needs of K-12 public school teachers. Our goal is to help you navigate your financial journey with confidence, from your early career through retirement.
Retirement Planning
for Educators
We understand that teacher retirement plans can be complex. Our services include:
- 403(b) and 457(b) Plan Optimization: We'll help you maximize your tax-advantaged retirement savings through school district-sponsored plans.
- Pension Analysis: Get a clear understanding of your state pension benefits and how to integrate them into your overall retirement strategy.
- Social Security Coordination: Navigate the complexities of Social Security benefits for educators.
Investment
Management
Our investment strategies are crafted with educators’ unique needs in mind:
- Risk-Adjusted Portfolios: We'll develop investment plans that align with your career stage and risk tolerance.
- Socially Responsible Investing: Explore options that align with your values as an educator.
Student Loan
Management
Many educators struggle with student loan debt. We provide:
- Loan Forgiveness Programs: Guidance on navigating the Public Service Loan Forgiveness (PSLF) program and other forgiveness options available to teachers.
- Repayment Strategy: We'll help you develop a plan to efficiently pay down your student loans while balancing other financial goals.
Tax Planning
for Educators
Maximize your take-home pay with our tax planning services:
- Educator Expense Deductions: We'll help ensure you're taking advantage of all available tax deductions for classroom expenses.
- Summer Income Strategies: Plan for the tax implications of summer jobs or supplemental income.
Career Transition
Planning
We support educators through various career transitions:
- Sabbatical Planning: Financial strategies for taking extended time off for professional development or personal growth.
- Administrative Role Transitions: Navigate the financial implications of moving into school leadership positions.
Estate Planning
for Educators
Help protect your assets and legacy with our estate planning guidance:*
- Will and Trust Creation: We'll work with your estate planning attorney to help ensure your assets are distributed according to your wishes.
- Beneficiary Designation Review: Strategies designed to optimize your retirement accounts and insurance policies for efficient wealth transfer.
*Our firm does not provide tax, legal or estate planning advice or services.
Our Approach
As your financial partner, we promise:
- A commitment to always put your interests first
- Transparent, ethical advice tailored to your unique situation
- A thoughtful, detail-oriented approach to your financial planning
- Clear, jargon-free communication to help you understand and feel confident in your financial decisions
Remember, we’re not here for sales pitches or small talk. We’re here to have meaningful conversations about your financial future in a comfortable, judgment-free environment.
Note: While we provide comprehensive financial planning advice, we recommend coordinating with a CPA for tax filing and an estate attorney for legal document drafting when necessary.
